davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (OH)

I attempted to open a checking account with Truist Bank 6 months ago after coming across an online advertisement for their services. The initial online account setup process was smooth and efficient. 

After successfully opening the account online and depositing an initial sum of {$50.00} as required for the checking account, I received no indication or notification about the need to physically verify my identification at a Truist branch. My account was inexplicably frozen the next day, rendering it inaccessible for use. I never received essential items like a debit card, checkbook, full account number, or any means to access my funds. I found myself locked out of the online account, unable to manage my finances, and deposit additional funds. 

To my astonishment, I was informed that, in order to unfreeze my account, I must undertake the arduous task of physically verifying my identity at a local Truist branch. The nearest branch is situated in another state, a daunting 200 miles away from my current location. Considering the considerable distance, travel expenses, and the total lack of foresight regarding this requirement, I made a humble plea to have my account closed, as it had become evident that this experience was far from the banking convenience I had anticipated. Regrettably, my plea for account closure was met with resistance, as the bank insisted that a branch visit was mandatory before they would even entertain the idea of closing my account.

The situation took a turn for the worse when I received an alarming call from the bank today. They informed me of an overdraft of approximately {$10.00} on my account, caused by monthly fees being deducted without my knowledge or consent. This revelation was the first time I became aware of this issue since I had no access to critical account statements or related information from the bank. Shockingly, I was told that due to my account being frozen, they could not accept a payment over the phone or through any other feasible method, and they could not close my account. Instead, I was instructed, yet again, to make the 200-mile journey to a local branch in person to settle this outstanding balance. Moreover, the bank threatened to send my account information to collections, a prospect that greatly concerns me as I am actively considering the purchase of a home, and maintaining a positive financial record is crucial for this endeavor. 

This ordeal has left me deeply frustrated and perplexed, as I have never encountered such rigid and impractical procedures with other banks, many of which offer seamless online account management and resolution options. I kindly request the assistance of the CFPB in helping me resolve this problem. Your intervention would be greatly appreciated. Thank you so much for your attention and support.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX, I made a dispute with the Early Warnig company where he kindly demanded that certain information be reviewed in my credit report, which was outdated, incomplete and even without information. 

I requested that this information be disputed with the corresponding companies so that it could be modified, corrected or removed from my report. Unfortunately, as the weeks went by, these companies reported that the information was correct and accurate. On XX/XX/XXXX, I made the dispute again detailing the information that is wrong and even the outdated or incomplete information of my report, so that it was again corrected, or removed from my report. 

On XX/XX/XXXX, I received an email notifying me that my dispute is frivolous and that I can not dispute this information because it is correct, where in the tests you can see that it is completely incorrect, but in a very unpleasant way, the agent who attended me informed me that they can not do anything that they do not have the obligation to report anything again or remove any information, where they are violating the FCRA laws that requires that all the information they present in my report must be correct and accurate or Otherwise, this information should be removed immediately.
Consumer complaint received 2023-11-21
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)

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausXXXX XXXXXXXX, and TransUnionwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
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. (MS)

This complaint is in regard of EXPERIAN INFORMATION SOLUTIONS. I am requesting EXPERIAN 'S 'Method of Verification ' in regard to the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These companies have been disputed thrice to no avail. Each time I have disputed with EXPERIAN regarding the accounts with those companies, they all end up reported back inaccurate with no changes, yet EXPERIAN marks the accounts on my reports as " Update and Verified ''. I have given detailed disputes about what is wrong with each account and they still comeback unchanged. Does EXPERIAN actually do real re-investigations?? I have reason to believe there are FCRA violations in regard to non-compliance and treatment of investigated disputes after they have returned inaccurate. I have requested multiple times for the accounts to be deleted because of persisting inaccuracies. Please provide me the 'Method of Verification ' per 15 USC 1681 FCRA.
Consumer complaint received 2024-03-15
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. (OH)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I recently received a bill for XXXX XXXX dollars from capital one. 
The cost of renewing membership with XXXX XXXX. 
I never applied for a capital one credit card nor did I activate a card. 
When I joined XXXX XXXX I agreed to the automatic renewal.I received a XXXX XXXX credit card which I activated. 
XXXX change to capital one. 
I never heard from capital one.i assume that was the end. No further action required on my part.I was not going to renew anyway. 
I dont believe capital one should have accepted a charge on a card that I never received or activated. 
Talking with capital one staff lets say they just wouldnt listen. They seem to think that XXXX has the authority to open a credit card account on my behalf. That wrong! 
Capital one also had access to the business that I had conducted with XXXX XXXX. I dont think that should happen either. 
This account should vanish with any effect to my credit score
Consumer complaint received 2023-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like LVNV Funding LLC to remove all these accounts from all consumer reporting agencies.
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act 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 furnishan accountt without my written instructions
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account XXXX To Whom It May Concern : I am responding to your help with cerulean credit card complaint. while paying my account as Agreed, with auto pay. I was not notified the annual fee is coming due for {$150.00} charge, which put my credit card over the limit to {$2200.00}, with a minimum payment due {$240.00} by XX/XX/year>. I received a notice from the credit bureaus stating my credit scores dropped by XXXX points. According to the Bill passed by Congress last year, credit card companies can not overcharge their clients with inflated fees. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
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 is 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint because the consumer reporting agency has failed to respond to multiple dispute requests submitted on my behalf by my Power of Attorney. These disputes were sent more than 30 days ago, and I have not received any response or confirmation that an investigation has been initiated.

All necessary documentation was included in the dispute requests, including my identification, proof of address, Power of Attorney, and a detailed list of the items in question that require investigation. Despite providing everything required, the consumer reporting agency has not taken action, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB intervene to ensure the consumer reporting agency conducts a thorough investigation and provides a timely response as required by law.
Consumer complaint received 2024-10-04
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. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (NY)

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to Experian regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Consumer complaint received 2023-09-15
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-11
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I deposited a check on Friday, XX/XX/2023 for {$5500.00} thinking that it would be available for the holidays because me and my family are traveling to Virginia. They have placed a hold on my account and refuse to lift the hold to access my funds until XX/XX/2023 leaving us stranded. When I spoke to an associate they were unable to loft the hold. The XXXX is able to but refused to. Im frustrated because Ive been with them for 13 years and its frustrating that their policy for check deposits is XXXX to XXXX business days. What are we supposed to do? Sleep on the road?
Consumer complaint received 2024-04-06
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collectors Corp. (WI)

I called professional collector corporation on XXXX  XX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. XXXX is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXX XXXX  XXXX  and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXX XXXX  XXXX  sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the XXXX is committing fraud by changing these bills and putting different amounts what is owed to them and bhs. You will see that the bhs and pcc are both committing medical billing fraud. There is one bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. XXXX still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXX XXXX  XXXX  and XXXX  need to be investigated for fraud. This is my XXXX attempt to get this removed off my credit bureau in the last XXXX in a half weeks. I will not stop making complaints until this is removed. Why wont XXXX remove this off my credit report?
Consumer complaint received 2023-04-29
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. (TX)

In accordance with Fair Credit Reporting Act .The list of accounts listed below violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX five different account same company
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.