davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jeffrey G. Lerman, P.C. (NY)

I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, demanding payment of {$370.00} for a COVID-19 test conducted on XX/XX/year>. This bill is surprising and distressing because COVID-19 testing was mandated to be free under federal regulations at that time, and I had insurance coverage from XXXX XXXX XXXX that should have covered any associated costs. 

The original testing site, XXXX XXXX XXXX, did not inform me of any charges at the time of the test. Furthermore, they did not attempt to verify my insurance before sending the bill to XXXX XXXX XXXX, which then billed me directly. This unexpected bill appears deceptive and potentially fraudulent.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife and co-owner of the bank account went to log in on the Truist website. She received a notice that the account was compromised and that they would call her. She had been phished and over the course of half an hour, she downloaded software to the computer that gave the scammers access to the computer, and she gave them login information. We got Truist to freeze the account before any funds were removed. They told us we could come into the branch to fix the problem. 

When we arrived at the bank, we were told we had to open a new account ; however, our old account was grandfathered, and this new account had several fees, most notably atm fees, but additional checks and other fees were associated with the account. When we suggested we wanted our old account but with a new number, we were told we had to open a Truist One account ( the other was Signature Advantage ). When we protested, we were told that the only way to keep the features of the old account was to sign a statement saying we did not hold the bank liable for any future fraud. 

I understand that banks change products occasionally, but requiring an account that was compromised in a data breach to be switched to a whole new account structure is not reasonable. Since we have no choice but to stop using the old account, the new account should have the same fee schedule and benefits.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OR)

Re : XXXX ID XXXX us bank has been very difficult to deal with directly after it closed my accounts. Once I leaned that accounts would be closed some representatives, who were friendly before, were now overtly hostile and did not even smile. Their demeanor felt like i was attempting to steal money from bank.More recently, representative stated that i had never had an account with us bank, even after i provided my ssn and several account numbers. Representative insisted that no accounts had ever existed under my name or business names, ssn, or account numbers. 

The bank responded to your office and stated that a cashier check was provided. Thus, I need for bank to provide the following XXXX date cashiers check was generated and where and when it was cashed XXXX letter for credit bureaus explaining that account was not closed of my own accord and that there was no criminal activity with accounts XXXX letter of explanation as to why accounts were closed I consider bank representatives ' actions to be immoral and unethical. They should not be above the law and should have responded to my inquiries in good faith vs brusing them off.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On or about XX/XX/XXXX, XXXX XXXX and his wife, XXXX XXXX, discovered that her grandson, XXXX XXXX XXXX, had been sending money from their checking and two savings accounts at Bank of America, to an account or accounts in XXXXXXXX XXXX name via XXXX. Said XXXX transfers were not known about nor authorized by XXXX and XXXX XXXX. XXXX XXXX has since passed away on XX/XX/XXXX. To this day, XXXX XXXX does not know how XXXX obtained access in order to steal these funds. The total stolen was {>= $1,000,000}. 

XXXX and XXXX XXXX sought for XXXX to be prosecuted, and he was. See attached Police Report ( Exhibit XXXX ), Criminal Summons and Application for Statement of Charges ( Exhibit XXXX ), True Bill Indictment ( Exhibit XXXX ), Resolution of case and Notice of Recorded Judgment in Restitution ( Exhibit XXXX ), and List of fraudulent transactions ( Exhibit XXXX ). Bank Statements showing fraudulent transactions are available by request, but would exceed the page limit. XXXX plead guilty to theft, and was sentenced, and a restitution judgment of {$14000.00}, was awarded to XXXX and XXXX XXXX. 

XXXX and XXXX XXXX want to Bank of America in XXXX, MD, as soon as they discovered the theft. They put in a fraud claim with bank manager XXXX XXXX. On or about XX/XX/XXXX, they received a letter from the bank rejecting their fraud claim. XXXX XXXX attached as Exhibit XXXX. The Calim number for Bank of America was XXXX. 

When they received said letter, they went to the bank and met with XXXX XXXX. She told them she was filing an appeal on her computer terminal. They did not recieve any documents about the appeal. They had initially been told that they would be required to press criminal charges against XXXX, which they did. They never received any documents or verbal information, to tell them the result of the appeal. To this day, Bank of America has not notified XXXX XXXX of the result of the appeal. 

XXXX XXXX has engaged XXXX XXXX XXXX, XXXX, to look into the fraud claim, but Bank of America will not respond to his phone calls or letters.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-07-27
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. (NC)

Company now shows that Dept of Education paid acct Number XXXX now the company had placed that I have been late XXXX XXXX late XXXX and XX/XX/year> this is incorrect and seems like retaliation for the fact that they had the information incorrect and I keep asking for them to correct the information. Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX my dispute to be reopened because I didnt receive my order and I have called the customer phone number at XXXX but they say they denied my dispute and I also want want yall to reopen my disputes because I disagree with the decision and reinvestigation the dispute or open a new dispute for the dispute and investigate it or change the dispute so I can get my money back for the denied dispute or give me a credit for the denied dispute for {$100.00} online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-08-28
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: CITIBANK, N.A. (CA)

I stayed around 10 days in hotel XXXX, at XXXX XXXX XXXX A, XXXX, CA XXXX close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least XXXX of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : AMEX/XXXX  Amount charged : {$520.00}
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

Equifax XXXX XXXX refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice Equifax increased it only XXXX XXXX showin on credit scores XXXX XXXX hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXXXXXX XXXX
Consumer complaint received 2024-07-27
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. (PA)

According to FCRA 1681b ( a ) ( 2 ) Experian is in violation of this LAW because as provided under FCRA 1681b ( a ) ( 2 ) I did not give instructions to Experian Credit Reporting Agency.

I want ALL ( XXXX  ) accounts to be DELETED from my Experian Credit Report. I gave NO INSTRUCTIONS and they should not be on my credit report without my instructions as stated in FCRA 1681b ( a ) ( 2 ).

I am a FEDERALLY PROTECTED CONSUMER and I did not give any instructions for the ( XXXX ) accounts to appear on my credit report. 
I did not give any INSTRUCTIONS as provided under the LAW 1681b ( a ) ( 2 ). 
DELETE ALL ( XXXX ) accounts listed below. 

XXXX XXXX XXXX # XXXX. 
XXXX # XXXX. 
XXXX  XXXX # # XXXX. 
XXXX XXXXXXXX # XXXX. 
XXXX # XXXX. 
XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX. 

Delete ALL accounts I have listed above for violation of FCRA1681b ( a ) ( 2 ) due to my not giving instructions to your agency.
Consumer complaint received 2024-07-11
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions. THEY DO NOT HAVE MY WRITTEN CONSENT!
Consumer complaint received 2024-07-09
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. (TX)

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 XXXX XXXX # # # # # # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXXXXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : TOTAL XXXX, ACCOUNT # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX 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 an account without my written instructions.

THEY DO NOT HAVE MY WRITTEN CONSENT!
Consumer complaint received 2024-07-27
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. (NJ)

I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (TX)

THIS IS MY XXXX TIME SUBMITTING THIS. I AM NOT LOOKING FOR THE ACCOUNTS TO BE UPDATED. I AM ASKING FOR THEM TO BE DELETED ACCORDING TO THE FOLLOWING LAWS. ( 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 an account without my written instructions .THEY DO NOT HAVE MY WRITTEN CONSENT! ) PLEASE STOP UPDATING THESE ACCOUNTS AND DELETE THEM. THANK YOU. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions .THEY DO NOT HAVE MY WRITTEN CONSENT!
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

I XXXX XXXX, am submitting this complaint without any influence from a third party or agency. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected consumer rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15USC 1681b permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offense amount to Aggravated Identify Theft pursuant to Title 18 USC 1028a. You have knowingly transferred, possessed or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. You are also in violation of 15 USC 1692g. My written instructions are for you to delete this account immediately
Consumer complaint received 2023-10-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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
Consumer complaint received 2018-06-02
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: EQUIFAX, INC. (AL)

I sent a letter to Equifax requesting them to please validate both bankruptcy information with XXXX. I received a response dated XX/XX/18 in which they show that this information was validated with XXXX. 
This is a blatant lie as XXXX has removed these bankruptcies from their files due to not being able to validate it. 

This is considered defamation, Negligent Enhancement of Identity Fraud and a Violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-18
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. (VA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-27
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)

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.