davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This invalid and inaccurate item with an Account Name : XXXX XXXX XXXX  - XXXX. that Transunion and XXXX department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.
Consumer complaint received 2024-04-21
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. (GA)

I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXX/Dept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a Suntrust account when I was XXXX old on XX/XX/XXXX. Prior to the pandemic, Suntrust merged with BB & T to create, Truist Bank. Today, I went to my local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL to conduct a same day wire transfer for a deposit on a rental. 40min after my arrival, the lady who was assisting me provided the completed paperwork to the banker for approval, in which he denied because he stated my signature was not the same. He then provided the lady who was assisting me with a printed copy of my Personal Account Signature Card from XX/XX/XXXX. His office was less than 10ft from her desk in the lobby, with his door open, and not once did he come out to explain the issue with my signature. Instead, all of the paperwork had to be reprinted and I was told to sign exactly like my signature was when I was XXXX old, without the banker even coming out to verify my identification in person with my ID in hand. My signature on my DL that was updated in XXXX is still different from my initial signature 20yrs ago, however, that has not stopped any banking transactions in almost 20yrs. They were so worried about their survey score that they had another lady talk to me to apologize about the situation and explain that they were concerned my signature was going to get rejected, and that it is necessary to update my Personal Account Signature Card, but because I was so visibly upset and confused after waiting an hour, they mentioned to come back another time. My response to them was the disgust in the lack of Customer Service from the banker, who could have easily explained the importance of my signature, that even they all agreed can change over 20yrs. If this is such a pertinent issue for transactions of this importance, then why is there no communication from these Banking Institutions ( Suntrust, BB & T, which is now Truist ) to update signatures. This experience was embarrassing and upsetting, which should have been a momentous occasion for me to celebrate my new home. Instead, they were more concerned about me as a transaction and not as a customer for nearly 20yrs. When sharing my story with family, co-workers and friends, the same issue has happened with them at Truist Bank. This is beyond unacceptable, especially when the customer is physically inside the branch being assisted by a banking representative. There's a reason why there's an " i '' in Truist. " I '' no longer trust this banking institution and look forward to opening an account elsewhere.
Consumer complaint received 2023-12-05
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. (MS)

XXXX XXXX XXXX has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened fraudulent
Consumer complaint received 2023-12-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-08-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BILL.COM, LLC (OK)

i participated in XXXX XXXX, a program that gives people money for moving to XXXX, and they recently changed the vendor that they use to send monthly stipend ( money ) from XXXX Payment to XXXX. Every at the end of the month for the past 11 months, i have always receive my money on time, until recently and after they changed to XXXX, out of the blue XXXX raised a case where they claimed that they cant verify my identity and they demanded me for documents about myself and the bank account that i previously used to accept money. 

I replied by uploading pictures of my driver licenses, utility bill, and a statement of a new bank ( XXXX bank ) that i use, i also told them i do not have access to my previous bank account as its already closed thus i can not provide them with the statement for the old bank ( XXXX bank ) i have raised the case but the XXXX Risk Operations team seemed to be illiterate since they kept asking pictures of my driver license which i already provided, and out of the blue they asked for 3 other accounts that they never mentioned before, and worst of all, it takes 1 day for them to reply to my case and their replies are not clear at all, it is very obvious that they are wasting my time and holding my money XXXX for no good reason other than " risk ''
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/year> wells fargo bank returned a validly tendered credit card charge for {$660000.00} FOR INSUFFICIENT FUNDS from my vendor XXXX XXXX XXXX on my BUSINESS CHECKING ACCOUNT UNDER THE NAME XXXXXXXX XXXX XXXXXXXX despite there being sufficient available balance on the account this fact being confirmed by an agent of the said bank above on a phone conversation on XX/XX/year> on or about XXXXXXXX XXXX
Consumer complaint received 2023-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a XXXX  parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to XXXX  and Capital One over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$5300.00} ; XXXX  XXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (TX)

I requested a copy of this signed agreement multiple times. This debt is XXXX old and I am just now getting signed agreement. However ; my signature was fraudulently placed on this document from the original sale order. I know this for a FACT because several pages are missing dates and customer ID information. Not only this but on page 3, the signed document has another person 's name, ID, and sales order information.
Consumer complaint received 2023-09-25
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. (TN)

I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Nissan Motor Acceptance Corporation ( NMAC )/ Infiniti Financial Services ( IFS ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until currently. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to NMAC/IFS negligence and fraudulent practices. NMAC/IFS is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to NMAC/IFS in XXXX, copy of written communication mailed to me about alleged NMAC/IFS debt from an unauthorized 3rd party collection company, and a copy of NMAC/IFS alleged debt validation response in XXXX.
Consumer complaint received 2023-09-01
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. (MI)

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 U.S. Code 1681. 

XXXX XXXX XXXX, Account # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 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. Code 1681s-2 ( A ) ( 1 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  **** Balance Owed : {$9.00} XXXX XXXX  XXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-05
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. (MS)

XXXX XXXX XXXX  has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened fraudulent
Consumer complaint received 2023-12-05
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I have held this credit card for over a year and have had no late payments, have used it quite a bit, and have also had no late payments on any of my credit accounts for years. On XX/XX/XXXX I submitted a {$2000.00} payment on my credit card that was at {$2800.00} ( at the limit ). A couple days later on XX/XX/XXXX they sent out my statement and at the same time a letter saying that they are reducing my limit down from {$2800.00} to {$960.00}. Which was left me just under {$30.00} of available credit, after making this {$2000.00} payment. In using this card for years and under the expectation I would have that credit line available to me, it is extremely damaging to my finances to completely unexpectedly lower my credit limit. On top of this, they stated it was based on a credit report that was pulled in XX/XX/XXXX ( over three months ago ). I'm not sure why they would do this, as I've been a loyal and timely customer, gainfully employed, they have maken plenty of interest off of my account no problem with me paying. It is a shock, as I'm trying to reduce my overall credit utilization across my cards, that now this card is basically reporting 100 % credit utilization, when it should have been down to 25ish % based on the credit line and how much I paid. I called them today on XX/XX/XXXX and they say they regularly do this every 3 months and I could ask for a credit line increase, so I asked to be restored to my original and never changed credit line of {$2800.00}, which they declined on the phone. Furthermore, when I called on XX/XX/XXXX to make the payment, there was nothing said about any review of my credit line or creditworthiness or anything like that. Ideally I would want the credit line restored back to normal, though I really don't want to pay another XXXX to this company. But I fear that if I pay it and close it out, it will further hurt my credit as a closed account. Please help with this matter.