davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX please 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 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

While visiting the branch, I was offered a 0 % and XXXX fee credit card offer which I accepted - branch rep repeatedly told me that " clear value : card has no fees. 
However, upon receipt of the card I was refused XXXX fee part - and old attempts to convince otherwise have failed and my balance transfer still caused 4 % fee being charged. 
I am requesting review of this charge and refund as its existence was not disclosed during the application.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries on credit report
Consumer complaint received 2023-08-14
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. (NJ)

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 a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-10-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (VA)

I consolidated all my credit debt at the end of 2022. My bank paid off the remaining balance to TD BANK, who held my XXXX XXXX account. TD BANK then canceled my automatic payments without notifying me in any form. They then allowed XXXX to continue charging a XXXX XXXX  monthly insurance charge. They NEVER notified me that they canceled my auto payment, so when I received a statement each month I assumed it was taken care of, by the system that I had set up ahead of time. After being royally screwed over by this credit company, I understand that I should have been more proactive in making sure the auto payment processed, but I find it completely unethical, crooked, shady, that they can cancel my automatic payments without notifying me. I have had Auto payments set on everything for years. This missed payment is NOT my fault, bc if the credit company had notifed me that they CANCELED MY AUTO PAY, I would have made sure to make the payments myself. Not only that, but when another account of mine slipped to just 30 days late due to recent financial hardships brought on by this credit crisis, that creditor called me, texted me and emailed me immediately. TD BANK did not even try to get in contact with me. They did this very much on purpose. I had enough money, the credit card company just didn't do a very good job on their end to collect it. In fact, they literally prevented themselves from collecting it by canceling payments. it was done intentionally, like retaliation, to try to collect interest bc I paid off the account EARLY. I know XXXX XXXX and XXXX did similar to their customers. I believe that is what TD BANK did to me, something shady and unethical. After my debt consolidation, my credit score was XXXX. After TD BANK canceled my auto pay, it dropped to XXXX. It's been 10 months since TD BANK RUINED MY LIFE, and my credit score is only back to XXXX. I worked hard my entire adult life to build a good credit score, my mother always told me I would never be good with money and I'd probably have horrible credit, so I did it to spite her. This is completely unfair and has severely negatively impacted my life. I can't even afford to finance a car because of how high interest rates are for my credit score. I've been rejected for a school loan because of the one missed payment from XXXX. Everything I need to do in my life to get out of this horrible personal situation I'm in, has been halted because of this one failure to communicate from TD BANK. ive spent the last 10 months trying to dispute it with them and get a 'GOOD FAITH ' removal, but they just keep saying the information is valid and are being real jerks. I try to call and their system hangs up. I email, and it takes a long time to get the same stonewall response. This isn't right. And it's not fair, and I don't deserve this black mark. Hopefully someone here can help me, but at the very least, if you have the option to NOT finance or not do anything with TD BANK, don't do it, choose another lender.
Consumer complaint received 2023-08-14
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. (FL)

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I disputed the XXXXXXXX XXXX 30 day late payment over 60 days ago and have not received proper dispute results from XXXX or XXXX XXXX, Equifax sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

Commenity bank visa closed the credit card account on XX/XX/2022. The account had been paid in full every month and on time since it had been opened. Yesterday the credit limit of XXXX was decreased by XXXX. This is very wrong! How can a company change the credit limit after the account has been closed? The change was recorded with XXXX. The change lowered my credit score!!! I contacted commenity bank and have not been able to get this corrected.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I added {$440.00} from my Bank Of America checking account to my XXXX XXXX It said declined from XXXX but withdrew the funds from my checking account anyway. No record on XXXX. I called in on XX/XX/23 to dispute the transaction and the original rep told me that it is covered under regulation E and that if there was no resolution within 10 business day I would recieve a provisional credit. 10 business days go by and I call in to BofA to get an update. I am now being told the original rep gave me misinformation and that in fact the transaction was not covered under regulation E. Some back and forth and I ask to speak to a supervisor. XXXX from XXXX said that she is sorry I misinterpreted what the original rep told me.Putting the blame on me. I said no, they certianly told me it was covered under regulation. I do some research on exactly what is this regulation and to me " electronic funds transfer '' seems to be covered. XXXX went on to say how services and digital goods are not covered. I asked her to point to me where it says that. She became irrate saying " its not her job to help me understand the bill. If I have a problem with it to take it up with congress because they are the ones who write them. '' I asked them to explain to me what guidelines are and why this isn't covered under electronic funds transfer. She just continued belittling me and putting the blame onto me and then hung up on me. Just blatanly lying to my face.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

I am writing to formally file a complaint against Truist Bank regarding a distressing experience I encountered on XX/XX/year>, while attempting to open a new account at their XXXX, XXXX XXXX branch. On the aforementioned date, I deposited {$10000.00}, and while the check cleared, I received a letter notifying me that my account had been blocked and closed without any explanation. In my attempts to resolve this matter, I reached out to the bank multiple times and met in person with XXXX XXXX XXXX, the Vice President Branch Leader III. During our conversation, I expressed my concern that I was experiencing discrimination based on my race. XXXX XXXX acknowledged my concerns and recounted similar cases he had witnessed over his 20 years in banking, including one involving another African-American customer who had opened an account with {$70000.00}, only to have it closed without reason shortly thereafter. I am deeply offended by Truist Bank 's actions in closing my account immediately after its opening and their failure to refund my {$10000.00} deposit, which has remained unresolved for several weeks. The lack of communication regarding the closure of my account, coupled with the experiences shared by XXXX XXXX, leads me to believe that discriminatory practices may be occurring within the institution. This experience has been profoundly disheartening, and I have never encountered such overt prejudice throughout my life. I respectfully request a thorough investigation into this matter and appropriate action taken to address these concerns. Thank you for your attention to this serious issue. I look forward to your prompt response. My telephone number is ( XXXX ) XXXX, my email XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXF XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
21. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-08-14
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. (TX)

XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-08-14
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 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 XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-13
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately.
Consumer complaint received 2022-10-23
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 account XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have filed disputes Ive made a phone call and correct it addresses that werent valid and gave correct address correct spelling and proof of my name and my identity have asked to remove hard inquiries and disputed several accounts and asked for removal of those accounts and student loans and yet nothing has happened
Consumer complaint received 2023-08-13
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. And also may be in violation of 15 U.S.C 1605. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My bank is  Fifth Third B ank On or about  XXXX    XXXX   I filled out a stop payment order. The automatic payment was for  XXXX   XXXX   XXXX  in the amount of {$720.00}. There was no problems in  XXXX  as the bank stopped the payment. On  XXXX   XXXX  the paid the draft even though they had a valid stop payment order.     The Bank representative  XXXX   XXXX   XXXX  said they had a valid stop payment order and she did not know why it was paid. She would investigate.  XXXX  days in a row I spoke with  XXXX  or  XXXX .  XXXX  finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it.   They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money.     Thank you,
Consumer complaint received 2022-11-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.