davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, OPENED XX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/XXXX I went to Truist Branch ( XXXX XXXX XXXX XXXX ) and met with XXXX XXXX to transfer {$50000.00} from my savings account into a money market account. That day I was not happy with all the very bad customer service I had received from Truist since they had taken over BB & T. I let XXXX XXXX know of the many poor customer service incidents. When I asked what rate Truist would offer me, XXXX said " he wasn't sure and it it all depended ''. So, I asked depended on what? I told XXXX XXXX, that I had been a customer there for more than 20 years, had a credit score of XXXX, and was going to put {$50000.00} into the money market account. So, what would my rate be? It took XXXX XXXX over XXXX minutes of working on his computer and walking in and out of his office to finally state " I can offer you 4.5 % ''. To this I told him that 4.5 % was a horrible rate! I further stated that I could go to any number of banks and get 5 %, 5.15 %, 5.30 % or more. I even showed XXXX XXXX the letter I had from XXXX XXXX XXXX guarantying 5.30 % until XX/XX/XXXX. Well, even though the rate Truist was offering was awful, I told XXXX XXXX to go ahead and transfer the money and open the money market account. I additionally, advised XXXX XXXX that I would be ultimately closing all of my accounts at Truist because of all of the previous bad service ( which I will not go into ). XXXX XXXX did show me a paper that stated 4.5 % was my rate. However, he never gave me that piece of paper. The XXXX forms I received when I left his office were XXXX. Truist One Time Transfer XXXX XXXX. Truist Checks XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. Switch Your Draft/Payment Close Your Old Account Forms. I was never given a RATE DISCLOSURE FORM!! This is ILLEGAL!!! When checking my money market account I saw that the rate was only 3.9 %???? WHAT they XXXX!!! This is FRAUD!!!!! On XXXX I went back to the XXXX XXXXXXXX and spoke with XXXX XXXX. I advised him of everything that had taken place and of just how angry I was with Truist and the FRAUD They were committing. XXXX XXXX emailed the Branch Manager who was meeting with other customers. In response the Branch Manager offered to increase my rate to 4 %. I responded with " XXXX NO!!! '' " This isn't Let 's Make A Deal '' Truist doesn't get to lie to customers and defraud them of money they owe them, and then try to negotiate a lower percentage than the already awful rate I was given on XXXX.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The three credit reporting agencies ( XXXX, XXXX, and TransUnion ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are XXXX of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.
Consumer complaint received 2023-10-30
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. (GA)

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being. 

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MO)

I never had chase bank or XXXX XXXX it's on my credit and I am not able to open any accounts due to it .XXXX My wallet have been stolen like 4 times so I am guessing that's how the accounts was made
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (MO)

Last XXXX I financed a XXXX with XXXX XXXX XXXX in XXXX Missouri, so many things were handled incorrectly from what we were told we were qualified for to the terms of the loan and even the purchaser and co purchaser are incorrect? My mom was not even present for the the signing as a co buyer and they had an employee drive and meet her in a lot 2 hours away several days after I signed. Now Im realizing the we have been given a fraudulent loan that had terms we never would have agreed to ever, these 4-5 line items were never disclosed and now we are facing issues with ally auto over financing terms and apr and even who owns the car? The dealership has been no help and ally is impossible to work with and keeps threatening repo instead of helping me
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The amount of {$6000.00} was fraudulently transferred out of my Bank of America XXXX  debit account between XX/XX/21 and XX/XX/21. Multiple fraud claims were made and lost by Bank of America. I even personally filed a police report. Over a year has gone by and no reimbursement for the stolen money has been made. Claim numbers XXXX and XXXX. 
I have now gotten an Attorney involved.
Consumer complaint received 2024-02-25
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 (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

I agreed to a joint vehicle loan on XX/XX/XXXX with Wells Fargo. On XX/XX/XXXX, I XXXX   the joint user on this loan. He was responsible for the loan per court order, however, he had the vehicle repossessed. In XX/XX/XXXX, Wells Fargo illegal opened another joint loan with my name. Time after time they have declined to correct this and it continues to show on my credit report. I did not agree or sign any documents for the loam opened in XXXX.
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

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 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

I have made several attempts recently on  XXXX   XXXX   2017 , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  XXXX  with a default loan which hurts my credit.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (NY)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}
Consumer complaint received 2023-09-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (OH)

I initiated a transfer of {$100000.00} thru synchrony bank from my XXXX bank account to open a CD with synchrony bank on XXXX XXXX. My XXXX bank account shows the money was withdrawn on that day. On the same day ( XXXX XXXX ) that synchrony received the money they had also closed the XXXX that the money was going to. Since there was no account for the money to go to synchrony was sending the money back to my XXXX account. as of XXXX  XXXX XXXX that money has not been returned. I have made numerous calls to both XXXX and Synchrony regarding this situation. At first I was told by Synchrony the money would be in my account within 5 to 7 business days. then 4 more days then tomorrow. The next information I got was the money was being held by XXXX XXXX, that handles the ACH transfers for Synchrony. XXXX would not speak to me about this issue and would not confirm that they were holding the money. I had asked XXXX on several occasions, at the direction of synchrony to do a Debit Reversal, however, on a conference call with myself, XXXX and XXXX we were told that XXXX would not talk to XXXX about this matter because there were not a client of XXXX. Synchrony continues to insist that there is nothing they can do and that XXXX has to retrieve the funds which they can not. At this time Synchrony is not returning calls to me or providing information when I call them. Each bank tells me the other bank has to retrieve the money and there isn't any more they can do. For the past 30 days I have repeatedly tried to get both banks to get involved with finding this money to no avail. There is NO where for me to go to resolve this matter if neither bank is willing to, Yet my {$100000.00} is still missing and earning no interest.
Consumer complaint received 2023-10-30
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. (GA)

I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX  credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.
Consumer complaint received 2018-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (SC)

Amcol called to say i owed a debt to XXXX XXXX  for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.
Consumer complaint received 2023-11-30
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (AZ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2023-11-30
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)

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 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HF Holdings (NY)

I ordered vertical blinds from XXXX for {$340.00} on XX/XX/XXXX  The blinds arrived with defects on XX/XX/. I asked for a Return Authorization so I could return the defective product. The refused. After several emails where I provided photographic proof of the defective product, they still would not answer my request for a return authorization. 

I disputed the charge with my credit card company, XXXX XXXX on XX/XX/XXXX  providing them with the email interaction and photos of the defective product. On XX/XX/, they ruled in my favor and reversed the charge of {$340.00}. 

In XXXX, XXXX, I started receiving harassing calls from a collections agency called, HF Holdings , Inc. and on XX/XX/XXXX  they got a collections report for {$340.00} on my XXXX Credit Report.
Consumer complaint received 2023-11-30
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (AR)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is outrageous! Despite my repeated attempts to rectify the inaccuracies on my credit report, the errors persist unchecked. It's unacceptable that my creditworthiness continues to suffer due to these unresolved issues. I demand immediate action to correct these errors and restore the accuracy of my credit report!