davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I opened a bank account with Truist. I deposited my IRS check into my account in the amount of {$36000.00}. A hold was placed, and {$5500.00} was released the next business day, XX/XX/year>. The remaining amount would be available XX/XX/year>. Since opening my account, I have used it as normal, depositing my pay checks, paying rent, utilities and occasionally sending my wife money. On Saturday XX/XX/year>, my wife and I decided to go to the mall to do summer shopping, a normal day. We went into XXXX XXXX and I wanted to make a purchase in the amount of {$3000.00} with my Truist debit card, and I could not, I was advised to call the fraud department because of suspected fraud, which was understandable. After calling the fraud department and staying on the phone while attempting to use the debit card to make the transaction, my card would still not work. I explained to the rep the issue still persists and I was told that my spending limit needed to be adjusted and that department was closed. I was frustrated and agreed to call the following business day. On XX/XX/year>, I went into XXXX to get groceries and renew my membership, while attempting to renew my membership my Truist debit card declined yet again. This time, no one contacted or emailed regarding the decline of my card and I reached out to customer service and I was told that my account is under investigation Following XX/XX/year>, I have called everyday 2-3 times asking for an update and being told I will receive an email with further information. I asked a representative on the phone, if I could just withdraw money instead and was told that I could go to a local branch. XX/XX/year>, I received a letter in the mail stating my account would be closed, and that all deposits needed to stopped. I called again to ask about an update and again no update was given. On XX/XX/year>, I went inside a local branch to try to withdraw funds and the teller told me theres a note on my account that says do not release. I was confused as to why I was told to come inside a branch to withdraw and then theres a note saying do not release. I asked to speak with the branch manager, and he called truist as well and a representative on the phone, said I would receive an email with further updates within 2 business days. There has been no update since going into a local branch, XX/XX/year>, when I was told an update happens every 7-10 business days. It is now, XX/XX/XXXX and I have had my paychecks deposited into my account that I have not been able to obtain and I have not received any correspondence by mail, email, or phone.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$530.00} XXXX  XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act : 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.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (GA)

The online finance/loan company named Upstart, I have been requesting a breakdown of how my payments are getting applied, ( XXXX requests ) because it seems as though the balance is not changing very much at all, for some reason they are stalling and not providing the info that I requested, what they emailed me was the balance on the loan, and the interest rate, and that info I already have, and is not the info that I requested, and they also stated that they don't provide statements,,?, in which I thought was a little odd/strange??, it seems as though this company, Upstart, is possibly hiding something that they do not want to disclose or do not want me to see how my payments are getting applied, and I know some company 's try to take advantage of some/certain consumers, especially consumers with low credit scores. I am a consumer who have rights, and expect this company to provide requested info to the consumer, especially when it comes down to making payments, I am requesting that CFPB, to please investigate this company to make sure there are no violations, and that they are in compliance with the laws and regulations and following all the guidelines that are in effect.I am requesting for a breakdown of what exactly is being applied to principle, and what exactly is getting applied to interest.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AR)

On XX/XX/XXXX I sent I.C. System letter requesting to provide proof of documentation with my signature in accordance with Arkansas 4-59-101 ( a ) ( 2 ) Arkansas Code Title 4 statue of frauds. I.C. System continues to report false informaiton on my consumer file without providing legal enforceable documentation in accordance to Arkansas Law.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my address.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between Equifax, XXXX and XXXX are all different and inaccurate. Please remove from my consumer report.
Consumer complaint received 2024-06-25
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. (NC)

XXXX  is in clear violation of this law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 has reasonable cause to believe that the information is inaccurate. 

This account has been sold to another lender which means they don't have OWNERSHIP of this account and is reporting inaccurately on my credit report. 

This account does not exist on my XXXX credit report and needs to be removed from TRANSUNION XXXX XXXX immediately for reporting inaccurately
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NC)

I Have made 3 attempts to make my payments to PHH mortgage Services, they have transferred my account from XXXX XXXX XXXX and joined with them, but they have returned my electronic checks from my bank to make payments on my mortgage, they have offered other options to make payments thru debit cards and they too have not been accepted and returned
Consumer complaint received 2024-05-05
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian and XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

These are unauthorized hard inquiries on my Experian and XXXX credit file. I need these inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/year>
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Account XXXX XXXX XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$810.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In reviewing my credit file on XX/XX/24. I discovered an account listed as XXXX XXXX XXXX XXXX for XXXX XXXX being reported as Discharged through Bankruptcy XXXX however, this account was not included in a bankruptcy. I am requesting the removal of this record for inaccurate reporting.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am being asking for a refund on the Sales Taxes that Chrysler Capital ( XXXX XXXX XXXX XXXX ) asked me to pay them, but then when I went to the Florida XXXX I was asked to paid them again because it was not listed in the bill of Sale. Since I paid already twice my Sales Taxes, I am asking for the refund to Chrysler Capital. XXXX. I received my XXXX XXXX on XX/XX/year>, for {$36000.00} including the Sales Taxes amount of {$2100.00}. XXXX. I sent a check for that amount of {$36000.00} that was received by Chrysler Capital on XX/XX/year> XXXX. I received a Bill of Sale on my mail on XX/XX/year> for only {$34000.00} with Sales Taxes in {$0.00}. XXXX. When I did the change on the XXXX on XX/XX/year> they asked for my bill of sale and since it showed {$0.00} on Sales Taxes, they charged me again the amount of {$2100.00} for the Sales Taxes plus fees I am been calling, sending faxes and asking for refund since then. They sent me a corrected XXXX XXXX XXXX on XX/XX/XXXX and asked me to go to the Florida Department of Revenue in order to get my refund. The Department of Revenue then asked me to get a signed XXXX form from XXXX but it is impossible to get help from them after you payoff your lease. 
In calls they say that my account does not exist and that my VIN number does not appears in their system. 
I need the refund for the Sales Taxes that I paid either by Chrysler Capital or the requested Form and a direct contact that can help me with this concern after 3 months of asking for this
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I lost my phone in a bar in XXXX XXXX. My Phone was lost for about 24-48 hours. I filed a police report stating these facts and the phone was recovered and in my position on XX/XX/XXXX when I received my phone back I realized that fraudulent payments had been sent to a random person through my XXXX XXXX and Cash App applications on my phone I tried to report these fraudulent charges to each app and instead of assisting me in recovering over XXXX dollars in stolen funds they closed my account. I then disputed this charges with my bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. After a month they explained to me that they were unable to dispute because XXXX XXXX and Cash App would not allow them too. I then reached out to both companies demanding in events they had that the police report and my claims were false and did not share any documentation. I need assistant in recovering the money stolen from my account.