davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I deposited a check from a relative 's workplace as a partial payment for my car. I forgot to endorse the check to my name, but I did write 'only for Truist mobile deposit ' on the back, as requested by the mobile app. The same day, I received an email from Truist stating that my account was on hold and the funds were unavailable. On the XXXX, I received another email saying my account was locked due to a fraud investigation. I called the XXXX department and explained the situation, offering to re-deposit the check with my endorsement. They asked questions about the check and said they would respond by XX/XX/XXXX. When I visited the branch on XX/XX/XXXX, the representative treated me like a criminal, stating that I had been marked for fraud and could never open an account with them again. They said my money would be sent to me by mail if it's cleared. I was shocked and confused. On XX/XX/XXXX, I received a letter stating that my account was closed, and the remaining balance might be seized, returned to the original owner, or sent to me by mail. I still don't understand why this is happening, why I can't access my account or my money, which has been frozen for almost XXXX weeks. This was my direct deposit account, and I had only had it for XXXX months.
Consumer complaint received 2024-05-23
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)

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.

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 2024-06-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

The Creditor agreed to remove collection and identified inaccurate information.They removed from XXXX  but I need the collection to be removed from XXXX immediately as well.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I noticed a banking error on Wells Fargo with my checking account. I called the online banking customer service line and spoke with them about the matter about XXXX EST. 

The issue was that 7 days prior, I had only one transaction and that was to pay my {$96.00} XXXX  bill. I received the confirmation email from XXXX. Then I received an email from Wells Fargo confirming my " new '' avaialable balance that was approximately {$97.00} less ( than before the XXXX payment. ) So, on XX/XX/XXXX, XXXX contacted me that the payment could not go through ans advised me to contact my banking institution. I did ( as mentioned before. ) Wells Fargo rep. 's spinned me around in circles around the issue stating there was no XXXX transaction that day. She also at one point denied Wells Fargo sending me the account balance updates ( via email ). I asked well how do you explain the missing amount from the account? And multiple days of the balance calculations being off on my posted available balance? 
I had previous concerns with my available balances being off at Wells Fargo, so I asked for an official investigation of the matter. The rep. explained the process and stated once submitted, that department would send an email to me. They did- the next day, XXXX. 
The WF Line of Business/ Concerns email stating they'd look into the matter and would get in touch in 10 business days. I never heard back, so I called Wells Fargo on Tuesday, XX/XX/2024 about XXXX : XXXX. 
The rep. named XXXX stated there was no record of my calling, no case posted as I'd described and no claim listed that correspond with the emails I received. He gave no explanation for theor lack of interest in my report nor apologized for their error and refused to transfer me to whom could help me better with my important financial concerns. He stated he was in Claims and I was speaking to whom I needed to ( him. ) With no help, no investigation and no expalnation where our money was... 
I concluded that a higher up, corporate level need to be informed of these errors, dismissals and lack of interests to a long time customer. I decided to report this also to CFPB.
Consumer complaint received 2024-05-28
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: CCS Financial Services, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

First of all my previous complaint which is directly related to this complaint is : COMPLAINT ID XXXX If you'd kindly look at my previous complaint that your organization greatly helped me with, it will shed light on this complaint. 

I did finally receive my payment of {$370.00} from XXXX which they have been holding since XXXX of last year. The {$370.00} should have been transferred directly to the Captial One Account since they assumed the XXXX  Account that I've had for many years... they did not. Many times throughout the past 8 months I have contacted Captial Bank to have the late fees and interest removed. Captial Bank graciously removed the late fees and interest to afford me more time to work with XXXX who said they would send me the check and did not. After finally receiving the check dated XX/XX/XXXX  for {$370.00} from XXXX, I immediately cashed it. Today I called Captial Bank to finally pay off my bill that I actually paid 8 months ago and move forward. After talking to Capital Bank 's Account Manager, she refused to once again eliminate the late fee charge of {$39.00} with my condition that I would immediately pay the balance of {$370.00}. Again, she refused even though they had removed the fees in the past. Included in my complaint will be a photograph of the check I received on XX/XX/. Please help me remove the {$39.00}. I pay all of my bills on time if not early and I am in awe of how the credit card companies do so little to help you when it is their mistake.
Consumer complaint received 2024-05-26
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)

I reviewed my consumer reports and noticed that I have multiple late payments on an account that I was falsely accused late for. The consumer reporting agencies have assured 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 this account and have proof of such. Included is a screenshot of the late payments thats listed on my report. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account Name XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

no resolution file since XX/XX/year> turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. XXXX XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe XXXX the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i EQUFAX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Consumer complaint received 2024-05-23
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. (MI)

My husband and I have filed disputes with the credit reporting agencies because someone changed our address fraudulently with the US post service. This fraudulent address shows up on our credit reports at all three agencies. The agencies refuse to remove it, even though it was part of an identity, theft scam.
Consumer complaint received 2024-05-25
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. (AR)

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assured 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 that I have included in the screenshot inside this complaint. On the dates of ( XX/XX/year>, XX/XX/year> ), 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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've been with Capital one for ten years had to close out this account because of the payment date never could get updated because of the this I've asked to move the payment date because of my payment from social security comes on the third Wednesday each month I asked them to waive late fees and change the payment date so I can get back on track
Consumer complaint received 2024-05-25
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. (TX)

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the banks have already approved of removing the accounts from my file, but a disregard for the suffering I have endured.XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

I initiated a transfer on XX/XX/XXXX. My bank deposited the money into Chime on XX/XX/XXXX. Chime withheld the funds through XX/XX/XXXX, well beyond the maximum 5 day limit.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with Bank Of America XXXX 14 Years ago.In XX/XX/XXXX I enrolled in National Debt Relief program to be able to pay my bills off. I was having a financial hardship.After enrolling I put stop payment on all XXXX XXXX deduction The date was XXXX XXXX. I had three other accounts that I allowed them to get payments from my account. I contacted all three and gave them the information of this Debt company. On XX/XX/XXXX The bank allowed XXXX   XXXX to once again take XXXX from my checking account I disputed this the bank gave me my money back.I put stop payments on this account to prevent this from happening in enough time. The bank told me th change my debt card. I did that and on XX/XX/XXXX The bank allowed this to happen again.XXXX deducted.The company got the money by changing their name to XXXX XXXX I disputed this the bank put it back in my account. On XXXX XXXX. The bank once again. Took this money from my account.This is fraud This company name is XXXX XXXX not XXXX XXXX The bank is wrong to give them my money. I have been on Social Security for 14 years and I put my trust in this bank. That money came from my disability check.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts and inquires on my credit report. Please remove all of the listed fraudulent accounts and inquiries from my credit report as it is hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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. (CA)

I was browsing through my credit information and was encouraged to apply for a loan of up to {$50000.00}, with the promise that it would have no impact on my credit score. Curious, I decided to see what they offered but did not agree to anything. To my surprise, they declined me based on my credit score, which is an exceptional XXXX, along with several other baseless reasons. This is completely unacceptable, not to mention the loan 's interest rates, which were outrageously high. I'm appalled by their dishonest practices and feel deceived.
Consumer complaint received 2024-05-25
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)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

My student loan transferred from Mohela to Mohela.studentaid and upon transfer interest capitalized and my payment was recalculated to a higher amount. My student loans are on an income based payment and pursuing public service loan forgiveness, and I am unclear how my payment can change when nothing else has changed ( Im up to date on income certification, etc ). I contacted them via telephone and was told the terms of my loan can change any time and was not provided with a resolution or option, and my payment is now due but the payment is significantly higher than my previous payments.