davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (FL)

Dear XXXX XXXX Customer Service, I am writing to address an issue with the payment history reported for my XXXX XXXX credit card account. The account was opened on XX/XX/XXXX, and is listed as closed with a status of " XXXX '' for {$330.00} and written off. The credit limit was {$400.00}, and the highest balance was {$560.00}. 

The payment history for this account as reported on my credit report is incorrect, specifically from XX/XX/XXXX to XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, it is required that furnishers of information to credit reporting agencies provide accurate and up-to-date information. 

To resolve this issue, I request the following actions be taken : Correction of XXXX XXXX : Please update your records to reflect the accurate payment history for this account. The inaccuracies for the period from XX/XX/XXXX to XX/XX/XXXX should be corrected. 

Confirmation of Update : Once the correction has been made, please provide me with written confirmation that the payment history has been updated. 

Reporting to Credit Bureaus : Ensure that the corrected information is reported to all relevant credit bureaus, including Experian, to reflect the accurate status of the account.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

I filed a dispute with Truist Credit card back in XXXX ( the only dispute on the account and only dispute I ever had with them. ) after 2 weeks of filing the dispute I contacted truist for an Update every week for 5 weeks straight. ( until 7 weeks after filing the dispute ) each time they have advised me that they have no updates and no further information to provide me and I have to patiently wait till I receive mail. 

after 6 weeks of the dispute I was calling them and emailing them begging them to know what is going on but nobody that cared and that can provide me any word on it. meanwhile, I do not have access to my money and never received a credit. 

This dispute is very straightforward and no delays needed on it. I sent to truist bank direct proof from the actual person that I paid to showing that he himself is admitting that he scammed me and that he didn't provide me with the service that I paid him for. 

I never received any work or services he was supposed to provide me and he himself is admitting to it and agreeing to it. 

I provided them with all this clear proof and a full detailed message showing them my conversations with the person. 

at the same time that I opened this claim with Truist I also opened one with XXXX XXXX XXXX since there was 2 charges on that credit card also tot he same individual and the same situation. I provided XXXX with the same exact proof and documents on the same day I gave it to Truist, ( back in XXXX ) and they have closed this claim and returned me my money still back in XXXX 

I can not simply understand that we are now 3 months later, this dispute is still not resolved, not only it isn't resolved but there is nobody to talk to and where to get any answers or any updates, nobody to acknowledge anything, the money not accessible, and simply sitting in the unknown. 

I filed a XXXX complaint with Them 2 weeks ago in which I received a response that it is being reviewed and a email address of a person at Truist that I can reach out for further updates. I emailed that person twice in past 2 weeks and no response. this is truly a big shame!!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have purchased a bath tub for XXXX dollars from XXXX using my capital one credit card on XX/XX/2023 and when I received the item it was too big for the space provided so I requested to return it back to XXXX and XXXX approved the return request and the XXXX truck driver came and picked it up on XX/XX/2023 at XXXX XXXX. So XXXX has the item back in their warehouse. Case number with capital one credit card is XXXX The return authorization number from XXXX is XXXX and the tracking number Id XXXX. 
Capital one Visa card is denying my dispute claim and reapplying the charge back to my account even though I have returned the bath tub back to XXXX on XX/XX/2023. I am attaching photos of the return label and authorization from XXXX. 
I want capital one credit card to approve my dispute charge claim and credit my account for the disputed charge of XXXX dollars since I dont have the item anymore and XXXX has the item back in their warehouse
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

For MOHELA- I was proactive and applied for IDR before the start of repayment in XXXX ( XXXX XXXX? ), and also resubmitted when I was told that they couldn't accept the new IDR because I was not due, when I was, and the old plan expired in XXXX of XXXX. I reapplied for IDR in XXXX and told that it would be processed by the late-middle of XXXX, XXXX, but then received notification ( on XXXX ) that it would be up to 90 days for the IDR to be processed. I am also in the PSLF repayment, and was told twice ( once in XXXX and once in XXXX ) that they were going to count the days in the future, but then when I called to find out why I was put on a LEVEL plan, they said that the PSLF certification form was put in denied status. At that point, the service rep put in back as active, and helped me to resubmit an IDR request at that time. I got a bunch of notifications that I was still in the LEVEL plan and when I called back, they said yes, I was in the LEVEL plan, and that I needed to make a payment in XXXX, to a new date that I didn't request. I had requested back in XXXX for a payment date change to the XXXX of the month, but that was never looked at by the company. When I called XX/XX/XXXX, they reprocessed the date to the XXXX of each month, but didn't notify me at all that it had already been done ( why wasn't it processed automatically in XXXX? ). They also had told me that while they were processing my IDR, they would put me an administrative forbearance, but that didn't happen. Nothing is processing, NONE OF ANYTHING is being counted to my PSLF, which I need XXXX more payments to complete, and today ( XXXX ) they said that they'd put me in a processing forbearance, but that hasn't happened, either. I asked multiple times for a detailed summary of what we discussed during my calls but they refuse to do so. So now I don't even know where anything is, what I am supposed to do, other than watch for the next email to say what ever it is that they are doing with my account. Each time I call, it gets worse, not only the information, but the customer service.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

Td Bank send us a letter dated XX/XX/2023 explaining when they open the account on XX/XX/2023 until closing the account on XX/XX/2023 and that they would be contacting the maker ( XXXX ) XXXX telephone XXXX of the check deposit of {$38000.00} to have them file a claim to send the funds back to them. We have reached out to the maker and they inform us they have not received any letter or phone pertaining to file a claim to get the funds return. The maker has provided their direct compliance department contact information to get this matter resolved. This information was provided to Td Bank in the branch ; as the branch manager emailed this information to their fraud department. And yet it's been about 5 months and we have yet to receive our funds back from TD Bank. As they stated they try to contact the maker and no answer and the maker states they having receive any communication with TD Bank. The maker is requesting information how to file the claim to request the funds back to them and still no answer by TD Bank.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

XX/XX/XXXX SENT NOTICE TO COMPANY ENTERING INTO BINDING CONTRACT GRANTING PERMISSION TO USE DATA WHILE COMPENSATING ME AT RATE {$500.00} PER MONTH DUE IN PAYABLE EVERY FIRST OF MONTH 2 % MONTHLY INTEREST RATE OR UNPAID BALANCE PLUS {$50.00} LATE CHARGE PLUS {$100.00} BILLING FEE OR ADVISE CAN NOT AND DO NOT HAVE PERMISSION TO STORE INFORMATION ABOUT ME.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

Upon checking my consumer report, I noticed an unknown hard inquiry on my consumer report. This is inaccurate information from a company unknown to me. 
Information to be deleted : XXXX XXXX XXXX Experian XX/XX/year> I also would like to show the fact that Experian has not allowed me access to my consumer report through Annual Credit Report or Experian.com I have had to rely on other sources to access my consumer reporting information. 

I would like an updated copy of my file and reports from Experian via mail and online through Experian and XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

Hi, Chase bank has failed to protect my identity and prevent fraud. They allowed a account to be open without my permission and failed to investigate it in a fast matter. I open a cclunt couple weeks ago and they close it 3 days later and refuse to tell me why and found out it was from a account i never open and took me 4 days to file a identity theft claim and failed to take my concerns seriously and refuse to reach out and lie about opening a new account only for it to close and keep saying it can take months before finding a resolution and finding more accounts open in my name I never open. Keep lying and changing their answers everything I call. Complaints and messages are missing from different people in the back office. I feel this company is fraud. They allowed employees to keep missing work and never focus on my case. I feel the company doesn't care and the executive office is failing to do their jobs and lying.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

That Wells Fargo account I had does not recall in my memory. I had it open for XXXX years. I want it dismissed and off of my FCRA report. I never used it really. I can't remember using it all if I'm being honest. Waste of space on my report.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

The information on my credit report is incorrect the accounts were not authorize with my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

At around XXXX on XX/XX/2023, I attempted to deposit {$800.00} in cash ( XXXX XXXX XXXXXXXX XXXX XXXX ) into my bank account using the drive through ATM located at PNC Bank XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ). I used my debit card and the ATM took my {$800.00} and said it was counting the deposit. After waiting for a few minutes, the ATM screen read that the transaction was cancelled and gave me back my card. It however did *not* give me back the {$800.00} cash, nor a deposit receipt. I called my bank immediately who looked into it and reported that they have no record of any ATM cash deposit because the transaction was canceled before there was a connection made. They told me there was nothing they could do and that I should contact the PNC Bank where I made the deposit. I was still at the location, so I then went inside the PNC Bank and met with XXXX XXXX, a manager at the bank. He took my information and told me that my money may be found when the ATM is reconciled. However, upon following up with him, he said that there is nothing they can do. I also called the PNC Bank customer service who said there was nothing they could do. So, in effect, the PNC Bank ATM took {$800.00} from me and didn't give it back.