davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On or around XX/XX/, I encountered a concerning issue with Truist Bank that has prompted me to seek assistance and potentially involve legal action. Despite verifying and authorizing all charges on my account, which ranged from {$3.00} to {$3800.00}, the bank placed my account on a 90-day hold. This decision was communicated to the bank 's EFM department by a senior banker who assured them of my verification of all charges. However, despite these efforts, the EFM department refused to lift the hold on my account for 90 days. 

The repeated attempts by the senior banker to resolve the situation were unsuccessful, and my account remained on hold. This action led to the decline of all charges on my account, resulting in late fees, return check fees, and other financial penalties. I assert that there were no questionable charges on my account, and all transactions were thoroughly verified by me but a hold of 90 days and 0 access to my account in branch, making a transfer and online was not allowed by Truist. Despite this, Truist Bank chose to enforce a hold on my account for 90 days, causing financial hardship, giving me no access to my own funds and inconvenience. 

I suspect that the bank 's decision to place my account on hold for 90 days may be driven by a desire for personal gain. I am concerned that they may be exploiting the funds in my account for their own benefit, possibly by lending or investing without authorization. This practice is unethical and, in my opinion, warrants investigation by regulatory authorities. 

I am particularly troubled by the impact of Truist Bank 's actions on my financial obligations. The hold on my account led to the bouncing of my mortgage payment and other checks, resulting in additional fees and late charges but are not limited to. This mishandling of my account has had severe consequences for my financial well-being. 

In response to these issues, I have decided to involve my attorney to address the situation and seek appropriate remedies. I strongly recommend an investigation by relevant authorities, possibly including the FBI, to scrutinize Truist Bank 's practices in holding customers ' funds without valid reasons. My goal is to prevent other customers from experiencing the distress and financial consequences that I have faced due to the bank 's actions. 

I am willing to provide any necessary information to aid in the investigation and resolution of this matter. 
Best regards!
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (GA)

I called earlier this year to settle my debt with the debt collector. I was told that they can only settle with a payment of XXXX. Last year I was told that I had to pay XXXX. That is not the correct amount that I owe for the apartment. I did go on XXXX and try to dispute the wrongful amount. I sent in copies of what I owe the apartment and what was given to me. I also highlighted the amount that did not match up with the amount that the apartment claiming that I owe. After doing that, I called back the agency and I asked for documentation of what I owe. The agency sent me the same documents that I had already sent in to XXXX. every time I call the agency, they are always telling me a different amount. The first option was to pay XXXX. The second option was to pay XXXX. The third option was to give him XXXX on Monday and XXXX on Friday and that deal was only going to be for that week. I was told that that was the special for that month. I recently called XXXX XX/XX/XXXX of XXXX and now I am being told to pay XXXX and if I wanted to get on a payment plan that I will have to pay the whole XXXX. All of this sounds like a scam to me that I am receiving different amounts. I do have documentation showing what I owe when I left the apartment in XXXX. I was email my Last billing for my water bill and my sew bill that is paid directly to the rent office where it shows how much that I owe for that month in the previous month. The other charges that was put on the letter that was emailed to me stating that I owe XXXX for this apartment its wrong. There was already things wrong with the apartment when I moved in and I was not supposed to get charged for it. I should not have a settlement for XXXX or XXXX because the amount of XXXX is wrong. I have tried to settle with this agency multiple times with a lower amount and they would not accept it
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (MN)

I have sent Equifax, the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately also I have fraudulent inqury appearing on my credit report as the following goes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect
Consumer complaint received 2023-11-24
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: AMERICAN EXPRESS COMPANY (WV)

I placed an order for an item that was to be delivered in 10-20 days. This was a standard item ( a XXXXXXXX XXXX desk organizer ) that was billed at a price about half of other companies. I was immediately charged {$25.00} on a XXXX account which I had charged to my American Express account charge was made on XX/XX/2023. When myAmex statement arrived showing the charge I disputed it ( on XXXX ) as I never received any confirmation from the purported " seller '' nor have I have of of this date received the item I ordered. American Express closed the dispute on the bizarre basis that charge was justified with no explanation provided. I have demanded the charge be reopened as of even date. 

Any preliminary investigation would have determined that the immediate transfer of an Amex charge to XXXX which I never authorizes, the failure of seller to ever confirm the order and the failure to deliver merchandise after near 2 months is transparently fraudulent. I am entitled to a credit for {$25.00} and a recognition by Amex of its failure to comply with applicable law.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In the month of XXXX, I received a letter from XXXX XXXX XXXX XXXX telling me that the institution will be sending me a new XXXXXXXX XXXX XXXX. I don't remember the reason, but I do remember that I was kind of confused because my card wasn't expired and I haven't report any suspicious activity neither.I believe in the month of XXXX I received my new card. 

After that I received a letter from the bank telling me that my monthly payment was pending. I was surprised because I have all my credit cards in monthly automatic minimum payment set up, but, since they sent me that letter, I checked my account and noticed that my minimum payment for {$89.00} dollars had been already processed. I thought maybe the letter was only a mistake and I disregarded the notification. 
For me, my auto-payment set up was in its place. 

On XXXX the XXXX, I received an email from XXXX XXXX and another from XXXX letting me know that I had a 30-day late payment reported to the credit agencies.

I immediately called the bank asking the reason for this action against me and the person on the phone told me that the bank had unsettled my automatic payment because they changed the credit card company that manages the bank credit card department.

When I asked why I was not notified about that change in my set up payment made without my consent she said that she didn't know. That maybe was because they changed my credit card number. I told her that that is not a reason to throw away my set up, letting my payments uncovered without any notice.

Then I asked her if they unilaterally undo my automatic payment, why they automatically processed one payment on XX/XX/XXXX for {$89.00} dollars in the same account making more confusing the situation for me? 
Her answer was that maybe the former company used for the bank received the payment because I had my set up payment and after that, they decided to send the payment to the new company in charge. They just made it once but maybe they can't make it again. 

I asked her : Are you serious? so that means that the bank and its credit cards companies have been doing whatever they want with my account without my acknowledgment then, suddenly they change my set up, they stop transferring payments between then and at the end they do not process my XXXX payment and decide to report my account with a 30 days late payment? 
On top of that, the bank is charging me two late payments of XXXX each. 
Her response was that she can't make nothing and recommended me to place this complaint on the credit agencies. This is what I'm doing now. 

For me, this is unfair. I was never notified that once I receive my new card, I had to make any new set up for my payments and I didn't do it. 
My payments history was clean and nice until now. 
My score credit was affected with XXXX points in one day and I need this error to be fix. 
I'm asking this bureau for your help in this matter.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (NJ)

I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof. I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my credit.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX Update the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-07
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-17
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 reviewed my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete & inaccurate. According to the Fair Credit Reporting Act ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681i 5 ; ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

In addition, according to 15 USC 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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

XXXX XXXX XXXX {$7200.00} Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00} Date : XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.