davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. I was a victim of fraudulent activity and this is another request to remove the information and inquiries from my credit file resulting from alleged fraudulent activity. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in the previous FTC report and letter & I am including it again here with a new FTC report # XXXX. Also, the information you provided on these items are UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your another WARNING. Please REMOVE the ITEMS resulting from alleged fraudulent activity.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a money market account at Truist bank for 34 days. However, when I went to the bank to close the account, the bank had only paid me 12 days of interest, and no one ever wanted to explain to me about the other 22 days of interest missing. I asked many times about this and if I have any options to avoid losing that interest money like for example keeping the money for another week to complete 30 days, etc., but the employee was in such a rush to close the account that practically just kicked me out of the bank. 
The reason I closed the account is because I discovered that the banker that opened my account lied to me. This banker promised a guaranteed 4.5 % APY for the whole year ( yes whole year even if this is a money market ), and when I started having doubts about guaranteed money market interest for one year, I contacted the bank again and I was confirmed that this person that promised the 4.5 % lied to me and it appears he told me this to make me open the account with him. 
I have a document that confirms there are no early closing fees, so I do not understand why the bank refused to pay the promised interest. Therefore, I went to the bank again for help and asked to escalate this problem to the corporate office who apparently " ran an investigation '' and the result of this " investigation '' was that nothing can be done and that I had signed a paper allowing the bank to not pay me that interest which is not true. I even requested a copy of this paper allegedly I signed but until this date I have not received it.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (UT)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts from XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; Equifax XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX  Data XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 without my written instructions.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-09
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I received a letter from XXXX XXXX XXXX XXXX on XX/XX/2023 stating that I owe a debt to PayPal in the amount of {$110.00} I have never taken part in any transaction via PayPal for {$110.00}. Additionally, there is no proof of any transaction for that amount in my PayPal history. This is a fraudulent claim.
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting this complaint in accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX  XXXX XXXX Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.
Consumer complaint received 2023-11-10
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. (CA)

I'm submitting this complaint in accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX  XXXX XXXX Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2023-09-05
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. (MA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NY)

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 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 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: EQUIFAX, INC. (SC)

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do nonrelated to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-10
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. (TN)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2023, I file disputes with TransUnion, XXXX, and XXXX regarding accounts showing balance 's after filing XXXX XXXX bankruptcy in the northern district of Illinois i have sent a total of 9 disputes to TransUnion along every time I would receive letters stating that all accounts were verified as accurate. On XX/XX/2023, I went to the bankruptcy clerk in person I was inform by the clerk that the court or pacer dose not report to XXXX, TransUnion or XXXX and XXXX also I was inform the clerk dose not verified any information to the credit reporting agencies. on XXXX XXXX I send a dispute to TransUnion requesting their method of verification and Transunion XXXX XXXX and XXXX XXXXetter dated XX/XX/XXXX, XXXX have sent a total of 9 disputes to TransUnion. please see all the Exhibits with this complaint. These companies do have respect for the Fair Credit Reporting Act 15 U.S.C. 1681 I ( A ). 15 U.S.C.1681 N, 15 U.S.C 1681 O continued willful and negligent noncompliance with FCPA . all 9 disputes are dated as follow XXXX XXXX, XXXX XXXX XX/XX/2023, XX/XX/2023. XXXX XXXX XX/XX/2023, TransUnion letters dated XXXX & XXXX XXXX. almost 7 months of disputes '
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX, I noticed fraudulent charges ( {$6200.00} ) on my bank 's checking account. Their computer declined the payment, however, when I called the bank, the customer service rep said they can't stop those charges, and they will go through in the night and be withdrawn from my checking account which they did. She said to call back in the morning, and then I can start a fraud case. So I now wait up to 30 days she stated for an answer or a refund. It wiped out my checking account, so I couldn't pay bills. This is PNC bank. The first rep told me that PNC would not release the money until the company trying to withdraw them proves it's a legit charge. So now I am screwed and PNC could care less. This is ridiculous.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (NV)

The Huntington Bank states that they can not locate my account. However, yesterday arrived a rather large payment from a company called " XXXX. '' Also, taxes have been paid to the IRS from my account. Whether it's the IRS, any banker, or the XXXX XXXX XXXX XXXX, they all can see my account as open. 

They can also see it's stolen, which is why I still receive SNAP benefits, as there is no activity, except incoming money ( and outgoing taxes. ) Attached, please find - an image of my still active TCF Bank debit card that expires this month ( they changed my account number, so that it stopped working ) - an image of a notification about a statement - a screenshot of a notification that my account is now a Huntington Bank account - a screenshot of a traceroute that shows the bank who lost their license for thefts now operates a spoofed site. 
- a list of suggested employees of this " bank. '' XXXX and shadier. 

To my surprise, the XXXX closed my last complaint as " double '' complaint. 

Here is the text again, and TCF/Huntington requested proof. Which is not necessary. My account is open, every banker can see that, and that is your proof. 

Original text The Hunting Bank has sent a dishonest, useless response. Therefore, I have to reopen the complaint, and I request that the CFPB take proper action this time. The same group active at the other banks I reported, where they hacked me out of my accounts ( XXXX theft via XXXX XXXX, XXXX, XXXX ( where I presented evidence of them admitting to the theft ), was active at TCF Bank, and now Huntington bank. Please see the live-streamed call below, that triggered the XXXX XXXX XXXXXXXX XXXX to remove their banking license. After they failed to inform their " customers '' within 24 hours about the loss of license, and offer a payout, their website was taken down. They now operate a spoofed site without a banking license. How illegal does a company have to act for the CFPB to take action? The FDIC ( as proven, see XXXX ) is completely overrun by XXXX XXXX. Parallel to the XXXX XXXX their ordered on me in XXXX, they stole all of my papers, debit cards, credit cards. They also took over my XXXX accounts I used for most communication. However, in the case of XXXX Bank, they overlooked that I used XXXX Mail for my Small Business Account, and that the debit card was in the pocket of my jacket. Attached, please find - an image of my still active debit card - an email announcing the availability of a statement - an email announcing the Merger or Acquisition - an image of a traceroute that confirms the bank is running a spoofed site, via low-class providers no bank would ever use Below, please find the live-streamed call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  informed me that my bank account is frozen. I'm in a homeless shelter ( as I already mentioned ), I need medical treatment, and money to live. Closing this complaint, without taking proper action, sends a clear message about complicity.
Consumer complaint received 2023-06-20
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR CREDIT PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.