davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (PA)

I demanded a refund from XXXX for a washer & dryer I ordered online from them. The company they had supposedly delivering my products, were lying to XXXX telling them that I was not home ( I work from home ) and then told them they DID deliver it. XXXX did nothing except mark my order as " delivered '' - can you believe that? They made it look like they stole {$2500.00} from me. I demanded a refund and was ignored for weeks. 

I report this to Truist since I used my debit card and disputed the charge. The last response I received from truist was a piece of mail at the beginning of XXXX saying I have a high chance of getting my money back. Since then, they have not given me my money, XXXX tried to refund me, I sent that information to Truist, and nothing. No response, no nothing. 

I want the CEO of Trust and the CEO of XXXX both arrested for stealing my money. It doesn't matter what their intentions are, I don't have my money and one of them do. Both of them are negligent to the point of thievery. 

I guarantee Truist has my money and is just borrowing it for free. They need to be held accountable and responsible for this type of underhandedness.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-08
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. (NV)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you 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. These were already included in my prior complaint and I'm including them again. 

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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in XXXX  from XXXX XXXX
Consumer complaint received 2023-08-08
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. (NY)

Experian emailed me this letter on XX/XX/2023, XXXX about sending in supporting documents Email states : We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

I was able to upload the identity theft report but was unable to upload the remaining documents via Experian.com/upload therefore Experian opened up regular disputes instead of blocking Information all documents were sent via email to XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

been paying rushmore lona management on time for 5 years the payment is automated in that rushmore pulls directly from my bank account suddenly they reported the account delinquent when it is not for XXXX. my bank account shows two payments taken out in XXXX. they blamed me and my bank for the mishap when it is them who have the automated set up. they tacked on several fees, late charges. then they pulled these fees from my bank as part of one of the XXXX payments. 

then they sold my mortgage to XXXX XXXX and passed on some erroneous fees to XXXX XXXX as well they then reported my loan delinquent to the bureaus i am XXXX XXXX paid in full up to date with XXXX XXXX. rushmore has no basis for such treatment. i am a XXXX XXXX customer with XXXX  of XXXX in summary, they said i was delinquent when i was not. my account clearly shows two payments removed. they removed fees and extra charges that they should not have added ( erorneous error on their end ). and then they reported my account as delinquent. this is the only blemish on my credit report
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

In the year XXXX until XXXX Wells Fargo charged me numerous amount of banking fees which resulted in the closing of my account. I believe it was unlawful with no fault of my own. I reached out to them numerous times with no results. I am filling this claim to be reimbursed for over XXXX XXXX dollars in fees including fees from other companies that the bank rejecting due to the fees that overdraft my account. Thank you
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

From approximately XX/XX/XXXX until the beginning months of XXXX, I was the victim of severe identity theft and fraud on all of my financial accounts and personal technology. Additionally, in XXXX of XXXX I got sick and required hospitalization. I was not well again until the beginning of XXXX. As a result, I did not add any charges to the card during that time frame. Additionally, there was additional coverage on the car insuring the resolution of any outstanding balance if, in fact, I did become ill and could not otherwise resolve the dame. I therefore dispute the balance in its entirety.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2023-09-04
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

I disputed this debt via multiple credit reporting agencies. XXXX and XXXX. I dont own and never have owned any solar panel on done any business with XXXX XXXX XXXX XXXX XXXX Ive contacted them via email. They keep sending letters that I owe them money.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I got an email from them as chase bank And I assumed they are so I called them about my debt and after I gave my social security I realized they were scammer They were impersonating chase bank and being able to pull up my bank account This is the number ( XXXX ) XXXX
Consumer complaint received 2023-09-27
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. (GA)

My name is XXXX 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 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Financial Group & Associates (Closed) (GA)

Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (GA)

First Investors Servicing is the company I pay my monthly vehicle loan payments to. I send in payments on a weekly basis. I also send an additional amount which I want applied directly to principal. Based on the response from FISF, they do not accept principal only payments. I've asked them to send signed documentation stating this, but they have failed to do so. They have also failed to apply my additional payments to the principal. They are applying the additional payments to the interest. I would not send additional payments to have them applied to the interest because that does not benefit me. I keep explaining this and they keep saying they can't accept principal only payments. This is a simple interest loan and as far as I know I can pay extra which gets applied to the principal in order to HELP ME pay off the loan quicker. If my additional monies are being applied to interest, then I am only paying according the regular schedule which will not benefit me in any way possible.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (VA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

A Charge off are considered a certificate of indebtedness, and it is considered income. INCOME can not be reported on a credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2023-09-04
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}