davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

On or about XX/XX/XXXX, I opened a business checking ( acct # XXXX ) and savings ( acct # : XXXX ) account AND a personal checking ( acct # XXXX ) and savings ( acct # XXXX ) account at XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX. On or about XX/XX/XXXX, I received multiple letters stating that my accounts were closed due to " suspected fraud. '' When I called the customer service number, I was told XXXX XXXX put an alert on the account, so they closed the accounts. I was then told to reach out to XXXX XXXX to resolve whatever issue appeared. I have received no written correspondence from XXXX XXXX. 

Sometime the same week, I returned to the branch where I opened the account and spoke to the banker with whom I opened the account. She looked up the history and confirmed that the account was restricted. She called into customer service and sent an email to her Regional Manager. 

When I followed up with her after the new year, around XX/XX/XXXX, there had been no movement on the account, and it was still closed. At that point, I asked for my deposits back ( {$750.00} in cash made via XXXX confirmation # XXXX and a check for {$520.00} ) ; since I no longer had access to the account, I couldn't make the transfer myself. I was told to return later in the week since the funds would be distributed via a check. Once I returned, there was no check, and my funds weren't returned. 

I returned to the exact branch location and had customer service at XXXX multiple times until I moved from the area in XXXX. I have since called customer service several more times, only for my phone call to be disconnected. Despite the supposed account closure, I have received a monthly statement every month thereafter ( up to and including XX/XX/XXXX ). 

I do not wish to re-open the account with Truist and want my money returned. Thank you.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

Citibank has wrongfully refused to credit my account with {$120.00} in Dividend Dollars. Balances of {$8100.00} on my XX/XX/XXXX statement and {$3900.00} on my XX/XX/XXXX statement, which were both paid in full in a timely manner, were not credited with a total of {$120.00} in Dividend Dollars. By letter dated XX/XX/XXXX Citibank stated that the " Dividend Dollars earned on your statement Dated XX/XX/XXXX caused your total Dividend Dollars for XX/XX/XXXX to surpass the {$300.00} maximum. '' What {$300.00} maximum? 1. Although I always understood that only {$300.00} in Dividend Dollars could be redeemed in any year, in previous years in response to my explicit question Citibank representatives informed me that Dividend Dollars would continue to accrue to my account and could be redeemed in future years. 2. In all previous years that I have redeemed Dividend Dollars, Dividend Dollars have indeed continued to accrue to my account beyond this supposed {$300.00} limit. 3. The statement from Citibank accompanying my redemption check, dated XX/XX/XXXX, stated " remember to use your Citibank Dividend Card everywhere-the more you use it, the more cash you earn! ", but Citibank 's refusal to credit me the {$120.00} in Dividend Dollars makes this assurance completely false. Indeed, this supposed policy of not allowing Dividend Dollars to accrue after a {$300.00} redemption would be counter-intuitive even from Citibank 's perspective, as it discourages their customers from using their card! 4. At or about this same time, although I did not request it, Citibank increased the credit limit on this card to {$20000.00}, stating " with an increased revolving credit limit, you can use your card for more purchases and continue to enjoy 1 % cash back on all purchases. '' Again encouraging me to use the card and assuring me that Dividend Dollars would be credited to my account, an assurance that Citibank now refuses to honor. 5. In an effort to resolve this situation, I called Citibank on XX/XX/XXXX and discussed the facts with a Senior Customer Service Representative called XXXX. XXXX could not tell me why I had not been credited with the Dividend Dollars, but referred the matter to their rewards audit department, resulting in the letter referred to above. If this supposed {$300.00} limit were really the policy, how is it that a Senior Customer Service Representative did n't know about it, and if she did n't know about it, how should I, the customer, know about it? If there is such a policy, and I had known about it, I certainly would have used a different credit card to make purchases after redeeming the {$300.00}. For all these reasons, I again request that Citibank credit my account with {$120.00} in Dividend Dollars.
Consumer complaint received 2024-04-17
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (PA)

I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (SC)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I submitted copy of identification 3 times, copy of SSN 3 times, I submitted Utility bills 3 times, I submitted paystub all reflecting current address of 7yrs 3 times. Bureau continue send stall letters instead of correcting the misinformation after submitting the recommended documents they requested to verify my address.
Consumer complaint received 2024-04-17
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. (AL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-12
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)

The Credit reporting agency has not thoroughly investigated this account and been reporting damaging information to my credit report. The company has violated my consumer rights. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. The presence of this fraudulent account is severely impacting my ability to obtain credit.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On Experian " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-22
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 have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-22
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. (AZ)

In accordance with the Fair Credit Reporting act the following XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-22
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. (PA)

I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).