davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I am writing you about several issues with my Truist accounts and they will not do anything about it. I want this escalated immediately and my funds credited back to me and resolved. First I had a line of credit and I liked it. I was making payments towards it. Reviewing my Checking Account # XXXX, Truist forced posted XXXX from my credit balance to checking account XXXX overdrawing it then forced closed it while taking {$260.00} I had in my other account which was food/rent money and all I had. It is still showing up on my online banking, accounts cant close with a balance. Who processed the force post and authorized that transfer my money {$260.00} from my other acct before charging it off!! Talk about adding insult to injury. That was my food money and you took it! I am furious with their poor customer service and how you have treated me and my accounts. It is a mess thanks to them, caused costly fees, late fees, declines and its almost like you are doing it out of spite or on purpose for no reason! They didn't provide solutions or even give me a chance. How can you force post a credit line balance to a deposit checking account? These are XXXX separate products and it is unethical the way you have done me and my accounts. I want my {$260.00} back, or you could at least accept {$50.00} payments until its paid off if I owed a PRINCIPAL balance, not bank JUNK BANK FEES. Is this how they treat all your customers? On top of that we got hit with Hurricane Helene and knocked our power out for 8 days and looks like Hurricane Milton is coming and will knock it out again. We lost our food due to the outage and you took the money I needed to replace it. Put yourself in MY SHOES, how would you feel??? Truist has unethical and XXXX  ways and my situation is proof. They are the worst bank in the US. Ever since the merger between my original bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it has been one issue after another ... debit card quit working and changed my card number without my consent causing overdrafts, late fees and declines. ATMS quit working right and branches closed, rude employees or lack of support..Truist does not care about you.
Consumer complaint received 2024-09-19
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-19
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-19
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I was approved for XXXX benefits in XXXX. However, by XXXX I still had not received a debit card with my benefits. Upon calling the card issuer, Money Network Financial , LLC ( d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they told me the card had been activated on XX/XX/2024 and that the entire balance save XXXX cents had been withdrawn or spent at ATMs and grocery stores in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I live in XXXX, and had never received the card, much less activated it, so I was completely baffled as to how this happened. I have informed delivery with the XXXX postal service, which shows me all pieces of mail that are delivered to my home. The envelope with the card was never even mailed. From there, I filed a police report, contacted Money Network, and told them everything that had happened. They put in a claim for me so that the fraud was now officially listed and in an effort to get those funds back to me. They said a new card would be sent. I never actually received that XXXX card! Then, on XX/XX/XXXX, when I went on the XXXX website to certify for benefits ( you do this every XXXX weeks ), I was told XXXX already been done on the XXXX over the phone. This money was released to Money Network and I never received these funds either. Money Network was unable to tell me where these funds went. 
Also on XX/XX/XXXX, I received a notice from Money Network that I would not be reimbursed for the money that had been stolen, as they had electronically verified the account. Meaning, they used a PIN when making the purchase but thats because the fraudsters set their own pin when they activated the card! 
I filed a claim for all monies with the CFPB and after more than a month, I received a check from Money Network for the funds that had been put on the XXXX card -- a total of {$1300.00}. However, I never received a check for the money that was placed on the XXXX card ( that I also didn't receive ), even though this account was also closed. It's been XXXX + months now and I'm still out {$810.00}, so I'm obviously just beside myself! 

**Note : I do NOT have have the pre-paid card number of the XXXX card that was stolen, as Money Network would not provide it to me. However, I DO have the XXXX card number, and both cards were " under my name ''. The XXXX card number is : XXXX XXXX XXXX XXXX. I did not want to list this on the following page, as I was concerned it might make things confusing without being able to explain.
Consumer complaint received 2024-09-19
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am utterly disappointed with the results of my previous complaint- as I thought my request of getting these inaccuracies removed would have been favored, but nothing has been done. I am getting frustrated as the day passes by and it's affecting my mental health.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Called Experian disputes and fraud department to correctly display my address as the wrong and not factual addresses are being displayed, also to many incorrect addresses are being displayed to my credit report. making the credit report inaccurate since I do not live at these other addresses. I also disputed names that do not belong to me and they did not remove it.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive been trying to dispute some different name variations from my credit report Ive been successful with XXXX and XXXX but Experian is giving me the toughest time Ive explained to them that I only have one name and I need to get the others removed via phone and he basically said theres nothing he can do knowing its incorrect information I only use first and last name for any credit I apply for XXXX XXXX
Consumer complaint received 2024-09-19
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-19
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. (CA)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-09-19
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. (NY)

I't never happen to my account I am a good payer, and I also paying on time, please understand the late remarks on my report and paid as aggreed, I'll settle all the late remarks on my report, and I also don't want to had a bad record on to you please.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I received a letter on XX/XX/XXXX that my Best Buy Credit Card account, which was in good standing, had been closed. The reason for the account closure was one or more occurrences of late or returned payments in the last 6 months. Here is what actually occurred : I decided to consolidate the debt from my credit cards to pay one payment monthly. I am in good standing on all of these credit cards and my credit is good so I was given a loan by XXXX XXXX XXXX XXXX. They sent me physical checks with the creditors names and amounts on each. I was assured that these checks could be used electronically/mobile ( XXXX., that they would be accepted over the phone if I provided the routing and account numbers on the bottom of the check ). I proceeded to call and pay each creditor. Some of them told me that I would need to send the physical check in, which I did. I called Best Buy and they took the payment over the phone, told me to check the status of my account in a few days. I checked the status and it appeared to go through. I even called Best Buy back after my account appeared clear because I was charged interest, which the representative removed. I then received an email on XX/XX/XXXX telling me that my account was CLOSED due to 'one or more occurrences of late or returned payments in the past 6 months ' and could NOT be reopened. 
I have called Best Buy, Citibank, spoken to multiple representatives of each. They have told me that there is nothing that can be done. Best Buy told me to go to Citibank. I physically went into a Citibank location with the check itself and was told they were not authorized to take my check. They directed me back to Best Buy. I feel that this is extremely unfair practice all around. I have now been penalized for simply attempting to pay my bill- even early, I was not late on a payment this month or any other months, and my account has been closed, which will hurt my credit. I was not even told that the payment was rejected or warned that my account was in danger of being closed because the check was accepted and then rejected. I am/was a good customer, this is atrocious and abhorrent treatment. 
On XX/XX/XXXX I submitted copies, via certified mail with return receipt request, all of this information, the letter regarding my account closure from Best Buy, the statement showing the reversals, and a copy of the check stub for {$4400.00}, as well as what I am requesting as proper resolution, to both Citibank AND Best Buy. I also mailed the physical check in to the Best Buy Credit Services payment XXXX location.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-19
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not authorized and should not be reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-19
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. (CA)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 Experian REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a auto financed with XXXX XXXX and the it was paid off with an insurance claim but its still showing on my credit report and I am unable to purchase another car while the loan is still showing. I need to have this removed from my credit report.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX 8. XXXX XXXX Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
Consumer complaint received 2024-09-19
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. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!