davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I deposited a settlement check, upon the deposit I understood that verification of funds needed to be done before funds cleared. As of XX/XX/23 funds are not available, I called to verify and found my account to be closed and check still on hold stating to be fictitious. I have been a customer for more than 4 years and feel this is unjust, discriminating, and uncomfortable being the consumer. The same issue happened to my wife and we even contacted the issuing bank and they've provided proof of funds clearing their account as XX/XX/23 the bank has resolved her account as of yesterday and now I'm experiencing the same negative profiling. Truist bank XXXX department and XXXX XXXX the banker who made the deposit are combative and unapologetic
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX  XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HI 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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (MI)

I received an offer in the mail from Rate Genius stating I could possible lower my car payment with a new loan and save {$180.00}. 

The letter directed me to a website. On the evening of XX/XX/23 I visited the website and selected just checking my options, completed the required information and before submitting the application I read the details of the offer. The website clearly stated my credit report would not be pulled until I selected an offer from one of their lenders. 

By the next morning, I was receiving alerts that my credit report was being pulled. I tried logging into the Rate Genius account that had been created and the link was broken. I called and spoke to an agent who said the application she was viewing indicated I agreed to have my credit pulled, I had been approved for a loan and loan representative would contact me. 
I waited 3 hours and called again. The next agent said they would send another message to the rep and assured me my credit had only been pulled once and submitted to 150 lenders, I said again, I did not agree to that. 
15 minutes later the rep called. I was approved for a loan at the same rate I already had with my current lender. Wouldnt make sense to accept the offer. 
I asked again, why was my credit pulled. The explanation was not sufficient but my application had been submitted to 40 lenders but one approved me. Something about they have multiples companies and a disclosure statement. I still cant access the account that was linked in the email communications I received. My credit score dropped 2 points immediately. My co-applicant had a 5 point drop. 

The offer I received was misleading and the explanation as to why they pulled my credit was inadequate. 

I revisited the site tonight and the application page has been updated to include terms that include I grant permission to have a credit check done. 

I have to give them credit for fixing their website but that doesnt help me at this point.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (IL)

I've always had problems with this particular PLS location downtown XXXX. Through my relationship for years with them they have always given me bad attitude problems and bad customer service. Repeatedly they have malfunctioned my accounts and my debit cards with them. So the district manager that just started working here about the most recent incident, as I usually have complained in the past and they won't do nothing. When I called her cell phone or she called me she told me that she would fix the most recent issue. She told me to go back down there in person so that the issue can be fixed but I didn't show up because of personal crisis. When I did not show up she told that store do not deal with me anymore because this is what they told me when I finally came in person. I then text messaged and told her that they didn't want me in the store no more and they refused to cash my check. They also were talking about me like a dog. I also spoke to her on the phone she was mean and hung up in my face and started forwarding my phone call now she doesn't want to talk to me. I went back into the store on 3rd shift and it was a XXXX XXXX XXXX girl in her XXXX XXXXXXXX  working there by herself, she told me to give her my check and she put my check into the machine, then she told me I'm blocking your profile here and I just snuck and put Fraud on your check so get out and don't come back. I didn't believe her and went to XXXX to cash my check, and XXXX gave me a printout that shows that this girl placed fraud on my check. I contacted the fraud line and no one works there, it's just an automated machine so at this point I'm in a bind.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Date Account opened was allegedly : XX/XX/XXXX Amount of Debt : Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months This doesn't make any sense. It says here that the terms were for one month.. which seems really odd in any case. 

I also have a phone bill already with XXXX and have for years under my moms account. We have been with them for XXXX. 

I have attempted to dispute this as well in hopes that they will dismiss this from my account. 

I was also made aware that I have been a victim of identity theft as someone claimed to have made XXXX in income in my name.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America allowed someone to create a checking account in my name with NO social security number or form of ID. 

I contacted BOA about this issue and assured me there was no checking account under my name. Two weeks later I find that there is and a user has been able to update all of the contact information on my account with none of my knowledge. 

I asked BOA to wipe all of this info clean. I found today that the fraudulent email is STILL the primary contact on my account and I am unable to delete it. 

BOA has also asked that I send out a form to them with a photo of my social security card and license which is ridiculous since none of this was required for the account to be set up.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, 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. (MD)

I have submitted disputes the XXXX, XXXX and Equifax to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (IN)

on XX/XX/XXXX we filed for XXXX  XXXX bankruptcy Navient removed the debt from my credit report after the filing meeting of creditors was on XX/XX/XXXX, there were no objections raised by any creditors whatsoever. none even attended the call my credit report stays blank all thru XXXX and XXXX bankruptcy was discharged on XX/XX/XXXX with no contests or any exceptions whatsoever case number XXXX on XX/XX/XXXX or shortly thereafter, Navient re-listed the debt on my credit report, sent me a demand for payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal lawsuit AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, which was found in federal court to have defrauded attendees and borrowers of federally backed student loans. 

the money was loaned to me by Navient, a company accused in federal court of defrauding and misleading me and thousands of others and trapping them in these private loans unfairly and with known collaboration with the education institutions to hike the prices and make the common person foot the bill
Consumer complaint received 2023-05-29
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)

I told the XXXX Transunion, and XXXX to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I constantly get the following message when I access my Capital One Credit card app : " Receive a statement credit up to {$100.00} on your next hotel booking through Capital One Travel. * '' Good until XX/XX/2023 I got the message today and when I called, I finally was told that the offer had gotten used up, that it is only good for a certain number of customers. 

When trying to book this travel, the system would not let me book the travel saying that my credit card information was wrong. I spoke Capital One, they assured me that the problem was fixed, they transferred me to their travel department ( this is a separate entity that does business as Capital One Travel. The inability to book the travel due to system glitches entailed multiple transfers from Capital One to Capital One Travel. Each time, they assured me that they would resolve the problem. After two hours of this, I was told that the {$100.00} offer was only {$25.00}. I have been a good customer of Capitol One, always paying on time.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

Ive tried to get XXXX to send me my credit report for over 4 weeks. Im unable to access my reports ( XXXX ) online (? ). XXXX agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on Equifax and XXXX My name is XXXX XXXX XXXX NOT XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$240.00} U.SXXXX Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.