davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (NY)

I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

i keep receiving phone calls from XXXX claiming to be ERC collections wanting me to pay about {$1200.00} for a phone bill from XXXXXXXX XXXX XXXX i have never had a account with XXXX XXXX XXXX and when i call XXXX XXXX XXXX they tell me that i do not owe them any money.
Consumer complaint received 2023-11-17
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. (TX)

I am formally requesting this letter to update the following items 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Due to Risk and online fraud.I was told to go into a banking center.I went into a banking center.I spoke with a Financial Center Manager and Asst Vice President XXXX XXXX XXXX..I went into the Bank of America located XXXX XXXX XXXX, MD XXXX XXXX.He was very unprofessional He throught it was a joke and his customer service was poor.I grew upset and called him a clown and told him I will see him in court.I was told by the risk dept to go into a banking center.So they could call risk dept verify who I am and open up the account.I would like my account reopen asap.It causing me emotional and mental distress ... .Why wasn't I able to open to open an account.I did everything they told me to do.I was still denied equal access to the bank opportunities.I want my account opened back up.Why was the account open ... .I want my account opened back up.Mr.XXXX XXXX XXXX need to be reprimanded for not be professional and not having the awesome customer service.I would like to know why didn't he do his job.Why didn't he make the necessary calls to Bank of America Risk Closure dept to let them.I was at the banking center and want to open up an account ... They told me All I had to do was go inside a banking center verify myself and the account would be reopened. 

If my accounts are not reopened.I will file a Federal Class Action Lawsuit for XXXX XXXX dollars in Federal Court US District Court .The lawsuit will be against Mr. XXXX XXXX XXXX Financial Center Manager and Asst Vice President and Bank of America
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (OH)

I recently received a copy of my ( XXXX, Equifax, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Consumer complaint received 2023-04-24
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. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true.

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. XXXX sold account balance paid in full XX/XX/XXXX
Consumer complaint received 2023-11-17
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. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an account passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX.
Consumer complaint received 2024-01-02
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. (FL)

Hard inquiries in my credit report that i dont recognize: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
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: EQUIFAX, INC. (TN)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX Trans Union and XXXX or XXXX debts that they do no investigation on this is a violation of the fair credit
Consumer complaint received 2018-04-03
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: Riverwalk Financial Corporation (TN)

I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report. XXXX XXXX XXXX responded stating that they received payments from me. I never made any payments to XXXX XXXX XXXX. All of my payments were to XXXX the original creditor. I have documentation to prove my payments and that the account has a {$0.00} balance.
Consumer complaint received 2023-12-20
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 did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit report.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/XXXX : check {$1800.00} for {$3100.00} issued to XXXX XXXX. My USAA bank, misread the amount, and only paid him {$310.00}. I called many times. Finally, on XX/XX/XXXX, they issued a 'bank ' check adjustment to XXXX XXXX bank ( XXXX XXXX  ), for {$2700.00}. XXXX XXXX NEVER GOT THE BALANCE. NEVER. He showed me his mobile bank account. 
USAA debited MY account for the {$2700.00}. 
XXXX XXXX came to my door, asking for the rest of the money. It had now been XXXX MONTHS! He never got the previous money, before XXXX or XXXX! He was angry. Rightly so. 
I had to give him a another check, personally, for {$2700.00} ( ck # XXXX ) on XXXX XXXX. 
I am now out almost {$6000.00}! 
Usaa is still saying they sent the money XX/XX/XXXX, and it's now HIS bank 's problem. 
THIS IS NOT MY PROBLEM. THIS IS NOT XXXX XXXX PROBLEM. 
I WANT THE EXTRA {$2700.00} REFUNDED. 
I have NO IDEA, where USAA sent the check adjustment. I am not a private bank XXXX. 
THIS IS 100 % THE BANK 'S PROBLEM. My bank was supposed to put a 'stop payment ' on the XX/XX/XXXX check adjustment. Now they say they can not get the money back, and i have now DOUBLY PAID XXXX XXXX! XXXX XXXX is NOT happy. He waited > XXXX months to get paid. I'm not happy, because i have now spent hours trying to fix this problem, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.please help me.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (DC)

I found out I owed a missed toll to XXXX XXXX XXXX XXXX  and tried to pay with them directly, but they had sent the account to collections - Credit Collection Services XXXX CCS ) at XXXX. I called CCS and they told me I could not pay the toll violations, as I am not the person/entity linked to the account. The entity linked to the account is my leasing company, XXXX XXXX XXXX. I asked CCS if I could pay the account as I am the lessee, and I have also not gotten any communication from XXXX about the fees. I called XXXX to be sure that they have nothing on their end regarding the unpaid tolls/fees, and they told me nothing was sent to them. I asked CCS to help me try to pay the debt as I'm afraid it will affect my credit as time goes on. CCSXXXX XXXX refused to give me more information to help me resolve the issue. I am unable to do anything about this debt until the collections agency/XXXX reconcile the lack of clarity between themselves and my finance company. Otherwise, I am not authorized to pay anything even though I am willing to cooperate, especially so I can avoid any bad marks on my credit report. I would really appreciate any help you can offer, as I am stuck and worried about the situation.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN ALLIANCE BANCORPORATION (FL)

Alliance Association Bank handles the monthly payments for my XXXX XXXX XXXX XXXX XXXX XXXX Myself, and many other owners, are enrolled in auto-draft to have our monthly dues ( {$590.00} ) pulled out of our account on the dates and frequnecy we input. 

On XXXX, {$590.00} was mistakenly withdrawn from my bank account and many others in my XXXX. I have my auto-draft set to the first of each month. If every unit in my association was signed up for auto-draft, this would have the potential of being a {$150000.00} mistake ( XXXX units x $ XXXX fee. 

Alliance Association Bank acknowledged the mistake, but it took 3 full business days for the {$590.00} to be deposited back into my bank account. 

This is more than just a trivial mistake. This is an operational failure that had a significant impact in hundreds, if not thousands, of consumers. I am lucky to be able to handle this amount being taken away for 3 days, but imagine those who are not so fortunate. That is one reason I am filing this complaint. Somewhere at Alliance Association Bank that was a complete breakdown of controls to allow this to happen.

The group responsible for this mistake needs a very deep review by the audit and operational risk management functions at this bank.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION ()

I am an XXXX citizen and had an account with SunTrust. I had no problem with SunTrust. Unfortunately Truist took it over. Now I can't make any XXXX payments. Bank has not bothered to inform me about this. I have contacted them several times but the issue has not been fixed.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's  permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust. 
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018. 

SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class. 

SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.
Consumer complaint received 2024-03-21
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. (AZ)

hello back on XX/XX/24 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION (MD)

WHY MY 12-DIGIT HOME LOAN NUMBER WERE CANCELLED OUT AND IMPROPERLY DIGITALIZED FROM XXXX TO XXXX THEN TO XXXX JUST DOING A REFINANCE THEN TO A LOAN NUMBER XXXX AS A CONVENTIONAL LOAN? VA LOAN GIVEN BY THE VA HAS UNIQUE LOAN NUMBERS FOR PROCESSING LOANS TO LENDERS. LETTING THEM KNOW THAT IT`S A SPECIAL LOAN FOR STANDALONE PROCESSING. LIKE GIVING A SECRET CLEARANCE TO A PERSON IN THE GOVERNMENT. AND THAT NUMBER STAYS WITH THAT INDIVIDUAL FOR LIFE AND CAN NOT BE TAKEN AWAY. MY VETERAN PREFERENCE IS FOR ME TO HAVE THIS BENEFIT. AND YOU AS A LENDER JUST TOOK THAT AWAY FROM ME CAUSE I WANT A HOME FOR MY FAMILY.