davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (SC)

I held an account with Truist for over a year prior to my enlistment in the XXXX and stopped using the account in XX/XX/XXXX without realizing there were still several autopayments being charged to it. I paid off the amount and attempted to stop payments and close the account around XX/XX/XXXX, both had been clearly ineffective as I continued to accrue a negative balance. I made numerous attempts to contact the company but would be immediately hung up on rather than connected to an agent. I paid the account off and froze my card. I continued to call them and finally got through to an agent to close my account around XX/XX/XXXX. I have an XXXX XXXX of {$170.00} on XX/XX/XXXX in my XXXX XXXX account to my Truist account to pay off my debt. I have since received 3 debt collection letters for the amount of {$160.00}, with the last two being sent on XX/XX/XXXX and XX/XX/XXXX. After the first letter, which I can not recall when I received, I called the company several times until I got back to an agent who confirmed for me that the debt was settled and that I could ignore the letter. I can verify the account is closed by my inability to access the account, and their phone system being unable to verify the account number when the number is spoken or typed into the phone.
Consumer complaint received 2022-11-03
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)

At the time I was homeless and living out of my car. Had all my personal information in there and someone XXXX XXXX XXXX XXXX  They were able to use my debit card and do all kinds of fraud transactions. I filed the police report immediately but did not have access to a phone. I spoke with the bank and they denied my claim I provided further information such as the police report and even had them speak with XXXX about my situation and they confirm that it was fraud. But they still denied my claim.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (CA)

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 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 XXXX CREDIT BUREAUS they are willful 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2022-11-03
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  account XXXX Inaccuracies among the reported lates between the three bureaus. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit one credit card I closed a long time ago I agreed to do payment plan with then did 2 payments of {$130.00} and I had one more now its showing that I owe them {$320.00} again its not fair I will pay for remaining balance but not all
Consumer complaint received 2018-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account in reference is my XXXX Bank Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue XXXX : Date of last payment [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue XXXX : Account numbers differ ( see attachment ) Issue XXXX : Date closed details [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-11-03
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. (FL)

I recently checked my credit report and saw that there is inaccurate accounts being reported that is not mine, I understand that these credit reporting agencies are not supposed be reporting false and inaccurate information.
Consumer complaint received 2022-11-03
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)

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 2022-12-05
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. (NC)

My name 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 2022-10-18
Product: Credit reporting, credit repair services, 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. (AZ)

Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc. (CA)

On or around XX/XX/XXXX, I leased a vehicle from Tesla Finance. At the time, I was a XXXX XXXX and I took possession of, and registered, the vehicle in XXXX. To date, I am in full compliance with my lease agreement, having timely made every monthly payment. 

In XXXX, I relocated to XXXX. Pursuant to XXXX law, I am required to register the vehicle in XXXX within 30 days of relocating. In order to do so, I need a copy of the title from Tesla, along with a power of attorney or other document authorizing me to register the car. 

On or around XX/XX/XXXX, I wrote to Tesla requesting the necessary documentation to register the vehicle in XXXX. In response to the request, I was told I should have the documents in about 4-6 weeks. To date, I have still not received the documents and have not been able to register my car in XXXX 

I have attempted on numerous occasions to contact Tesla to find out about the status of the documents. When calling the only phone number that is public, I was directed to send an email and/or leave a voicemail on a " general '' mailbox. I have left numerous messages ( both voicemail and email ) and the only responses I have received have been non-specific, with statements on the order of " Its probably some delay at DMV. '' Despite my requests, I have not even been provided with anything to confirm when ( or even if ) any request was actually made by Tesla to have the title documents pulled from DMV and sent to me.
Consumer complaint received 2022-11-03
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ Transunion shows XXXX XX/XX/2022, XXXX shows no date, XXXX shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, XXXX shows {$1200.00} ] Issue 4 : Account status [ Transunion shows charged off, XXXX shows closed, XXXX shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2024 I authorized my Square payroll account to make a payment to one of my contractors. The payment was sent to the wrong account ( a closed account with XXXX XXXX  ) due to no fault of my/contractors own - the new account for payroll payment was verified Prior to the payroll payment. 

Square is claiming that XXXX still has the funds. XXXX is saying no, we don't hold funds, they go back immediately ( which has been true for 2 other transactions that went back to origin immediately ). I've contacted Square 's payroll and customer engagement departments multiple times requesting they provide the info from an ACH trace or the ref # provided by the bank ( XXXX ). I've also requested a manager call in which they said they would in 24-48 hours but have not at all. They refused to assist and even closed my case stating that the money is just lost and I will not be able to retrieve.
Consumer complaint received 2022-11-03
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. (FL)

This complaint is being made without the aid of any credit repair organization or any other party. 
A consumer report received dated XX/XX/2022 as a result of a dispute for unauthorized use and revocation of any and all express consent of personal information and highly restricted personal information as defined at law of 18 U.S. Code 2725 and for which this complaint demands deletion of nonpublic personal information in compliance to the Fair Credit Reporting Act, Fair Debt Collection Practices Act and Fair Credit Billing Act for compliance to the following enumerated consumer laws. 

1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (DC)

I had an active credit card with Navy Federal, and this time Navy Federal refuses to return {$120.00}, back to an external account from which an, authorized monthly payment was made by a third-party associate. 

Navy Federal rejected that payment on an unfounded basis that the payment stemmed from fraud and closed the credit card on that basis. 

Navy Federals actions to close my credit card resulted in adverse, irreversible actions to my credit report. 

Lastly, Navy Federals actions are blatant, and evidence of this lies in the fact that they have refused to respond and ignore my written inquiry.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 Capital One closed my credit card without consent, however, Capital One still accepted a payment to a closed account on XX/XX/XXXX. The company advertises no late fees or overdraft fees, I also made all my payments on time. The moment I have a returned check causing me to overdraft on my account, the company closed my card and reported my balance extremely over to the major credit bureaus 27 days before the statement date. 
Defamation of Character and false advertising.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (FL)

This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.
Consumer complaint received 2022-11-03
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. (NJ)

I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Equifax is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Equifax credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Equifax is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Equifax for their predatory practices that need to be stopped immediately!
Consumer complaint received 2023-05-04
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. (IN)

There are inquiries that are reflecting on my report that i did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I deposited cash money in my account it didn't post to my account until Monday. I was charged {$36.00} for an overdraft of {$3.00}. Then it continued through out the week where Truist rearranged my transactions each time resulting in {$3.00} XXXX to incur an overdraft charge. I have asked them to take this overdraft off of my account XXXX XXXX XXXX refused to remove it. Stating that Ive already receive a courtesy removal of overdrafts which was the same thing. Being charged for Truist rearranging charges to incur a fee.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-03
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)

I am a natural person, I am a human being, I have rights under 15 USC 1681. 

Experian and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. 
I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give Experian and XXXX written permission to furnish these accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 Agency can not furnish a account without my written instructions.