davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

I deposited a check into my account on Tues the XXXX Truist finds in necessary to hold funds until the XXXX That's ridiculous not only are they creating more hardship on my behalf but the refuse to make any changes to the way they do business this isn, t the 1st time they've engaged in this practice in XXXX of XXXX  they held a cashiers check for 11 days claiming they had to make sure they receive the funds Yes I'm at fault for continuing to use the institution of banking Not only do I seek release of funds ASAP but the organizations that over see banking practices should have stepped in long ago Truist must be penalized for these abusive practices Truist which consist of the old XXXXXXXX XXXX XXXX  have a long history of holding clients money for unusal long period it's hard to believe Gov't agencies that monitor bank operations would agree with this kind of abuse
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IN)

I recently received two letters from citibank regarding a checking and a savings account in my name that had been apparently abandoned. The letter stated that the money would be returned to my state 's attorney general 's office unless I reclaimed the accounts by XX/XX/year>. So I sent in the info and reclaimed the accounts. Now citibank won't let me access the accounts because I don't have the full account numbers which weren't on the letters they sent me. They tell me I need either the debit card or bank account number, neither of which I have. Obviously if I had a debit card for the account, I wouldn't be contacting them. Their solution was either to go to the nearest citibank branch which is 8 hours away, which is not possible or to have a notarized, certified letter sent with my personal information on it sent to their location in Texas. Neither one of these are good options.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation (SC)

This account is incorrectly being reported as charge off account with a balance. Please provide proof of charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account is also being reported monthly as a chargeoff and should not be being reported monthly since account is charged off and closed. The balance update should not be reflecting XX/XX/2024. Also upon the chargeoff a XXXX C form was never sent to me showing the amount canceled and date of cancellation. 

WORLD FINANCE XXXX Account number : XXXX Account number : XXXX
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/year> was charged {$41.00} late fee becuase the payment was made XXXX min after the XXXX cutoff time whcih I did not see on the statement. Company stated they would XXXX a XXXX time courtesy. In XX/XX/year> I made the payment on XX/XX/XXXX becuase the banks had the power outage and my accounts were hacked. The bank not only charged me a {$41.00} late fee again, but they reversed the credit they gave me for XXXX because they stated that I was late in XXXX. This is insanity and not right!!! I calle them over XXXX times and tried to speak with supervisors etc. They said nothing they can do. The rule is the rule.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. XXXX and XXXX are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties.

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that XXXX and XXXX are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e. 

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (CA)

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 2024-08-16
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: CITIBANK, N.A. (IL)

I wrote formal letters to dispute the accuracy of the information being reported regarding my Home Depot/Citibank account , partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX  case number XXXX, in federal court. The XXXX  trustee notified all creditors, including XXXX XXXX XXXX XXXX the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX Depot/Citibank continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting agenciesXXXX XXXX XXXX XXXX The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but Home Depot/Citibank 's reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that Home Depot/Citibank review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Consumer complaint received 2024-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC. (TN)

I hope this email finds you well. I am reaching out to express my deep concern regarding the status of my loss modification review for my home loan, which I applied for on XX/XX/XXXX. As a mother of XXXX, the importance of stable housing is paramount, and the lack of communication and professionalism exhibited by your company has been incredibly distressing. 

I attempted to check the status of my application on XX/XX/XXXX, but I did not receive any response. According to the FHA guidelines, I should have received a review within the XXXX period, and it is disheartening to feel as if my family 's well-being is being overlooked. It appears that there is a significant gap in the service I am receiving, leading me to question the intentions of your company. 

I urge you to address this matter promptly and provide me with an update on my application status. My familys future depends on your timely response. 

Thank you for your immediate attention to 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. (AZ)

I am formally requesting the removal of late marks from the following accounts in my credit profile, as they are inaccurate and misleading. According to the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to do so will constitute a violation of the Act and may prompt an investigation by the Federal Trade Commission. The accounts in question are : XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======Equifax : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide proof that these accounts legitimately belong on my report and ensure my rights have not been violated. If no such record exists, please update the inaccurate information immediately.
Consumer complaint received 2024-08-18
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. (SC)

A company listed as CITI CARDS CBNA pulled my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, according to my XXXX report dated XX/XX/XXXX. I have attempted to get XXXX to remove these hard pulls in the past and they have not done so. XXXX 's automated system also keeps providing system errors so nothing can be done online. The number for CITI that I called states they are a XXXX XXXX XXXX and the answering service puts you in a loop that keeps asking about your age and if you want to apply for a XXXX XXXX bracelet - I called them on XX/XX/XXXX. My account was supposed to be frozen but I am seeing hard pulls that should not be on my report. Location : XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2024-07-29
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

In XX/XX/year>, I received a written communication from I.Q. Data International regarding a payment of {$10000.00} owed to XXXX XXXX  ( FL ). I contacted I.Q. Data International via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have an open case with the City of XXXX XXXX Police Dept ( XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : 1. Letter from I.Q. Data International describing the delinquent account at XXXX XXXX  ( FL ). 
2. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
3. Letter from Florida Dept of Highway Safety and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Consumer complaint received 2024-07-29
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. (NC)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

.
Consumer complaint received 2024-08-19
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: World Acceptance Corporation (TN)

Account was opened with World Finance Corporation in XX/XX/year> leaving a balance owed of {$0.00}. This account was stated to me by the debt collectors that this account was closed and would be approved to be removed off my credit profile.
Consumer complaint received 2024-08-18
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: LEXISNEXIS (FL)

I attempted to obtain my credit report after XXXX reported that they used information from Lexis Nexis to increase my rate. The LexiNexis site made it impossible to obtain my credit report. It repeatedly failed, and provided no actionable way to overcome the failure.

Essentially, LexisNexis is making it difficult to obtain credit reports. Ensuring that consumers don't have an opportunity to challenge or correct derogatory information that may be used against them.

Other credit reporting agencies, make the process almost painless. I believe that the practices used by LexisNexis are substantially in violation of the FCRA. The practices are similar to those used by XXXXXXXX XXXX and other scammers, that make it extremely difficult to cancel. In this case LexisNexis, makes it difficult to obtain reports. 

This is an unfair business practice, that adversely impacts consumers. It deserves attention, up to and including fines and the dissolution of Lexis Nexus. 

It should be further investigated whether insurance companies that use Lexis Nexis have any culpability, because they knew or should have known about violations at LexisNexis, yet continued using them as a data source.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

I was try to get an apartment however I changed my mind and I come find out they let someone else sign the lease on my name when I found that out I went to the apartment office I demanded them to remove my name from the lease which I didnt sign so they done that after months plus and now the landlord send me to credit now Im unable to get my own place and I also have proof where I went to the office they said I was not going to be responsible for any of that yet they send it to my credit report.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

TD bank cashed XXXX checks in the amounts of {$950.00} and {$980.00} against my account. Checks were not issued in my name, but someone else 's name. Obvious sign of fraud that the bank did not question. Now fighting to get my money back.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
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: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Some hacker must have compromised my email by signing with paypal. i don't see how that's possible but I started receiving receipts in my email about Paypal. My email was connected to another persons account and he most likely committing fraud to do it. I reported it to Paypal and they said in 48 hours my email won't be attached to the account anymore. It's been a week and they never answer. When I call them, they tell me to do the same thing or just wait. It doesn't make any sense as to why Paypal is allowing a criminal to use my email on a paypal account. I am kinda baffled by the situation at this point. I figured to report this because this is starting to feel criminal to me, like aiding and abetting. 

This is like a form of entrapment where a company and a criminal take advantage of a random stranger to commit fraud under the disguise of someone else 's email.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (AL)

I am writing to complaint to XXXXXXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.