davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

Yes I deposited a check in my account for my sister XXXX XXXX XXXX. I was told funds would be available XX/XX/2021. The check deposited belonged to my sister and was deposited through the ATM at Truist due to her not having proper identification to get it cashed. So it was signed over to me. I waited and heard nothing. All of a sudden my account wasn't working. The manager said she tried to reach me around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I wasn't able to take my sister to the bank to sign a paper. I had no knowledge of a paper needing to be signed. We thought we did right when she signed it over. Well since then my sister has been XXXX XXXX XXXX XXXX and has been asking have the funds been released yet and they won't release til they get a signature. It's been over a year and I'm her POA as well. We didnt know about signing a XXXX they made my account dormant which isn't fair as well. Please help me get these funds released so I can send some to my sister for the things that she needs while being XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-12-31
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (MA)

****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy New Years! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported XXXX different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Investment Retrievers, Inc. (TX)

On XXXX XXXX XXXX XXXX XXXX from Investment Retrievers contacted my brother about a debt they claim I owe. They contacted my brother at an email that was never provided to them. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also contacted my brother about a debt on behalf of Investment Retrievers. They contacted him at an email that I never provided. 

XXXX Investment Retrievers is based out of XXXX XXXX XXXX XXXX XXXX XXXX is based out of XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-11-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I sent a wire transfer on XX/XX/2022. Was called by Capital One Fraud Department. Asking me questions about the wire. I received 2 wire transfer in a total of {$11000.00}. That is how much the wire was for. It is to fund my XXXX account. They did not like that I was using a wire for a wire. they ask me all kinds of questions. The person I was talking to said she would call me back. She called back and said they would not send the wire transfer. So, the money went back into my account. I check my account the money was back in. But also, my account was locked. I received an email say my account was locked and may be closed. I have received ONE phone call with no information about why. I have left many phone messages and emails. No answer. The call on Sunday was the last I received with no information at all. They say they will call back in 48hrs if they need to talk to me. I need to talk to them. They had no right to lock my account without telling me why. No commutation at all on their part. I would like some answers. And access to my money. I would like some help in this matter. Thank You.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

My PSLF has not been calculated correctly. It is showing as XXXX when I have had time in forbearance and previous payments. Im just trying to get ahead and continue to be knocked down. They also havent factored in my wifes XXXX plan with mine and are impossible to contact.
Consumer complaint received 2024-03-09
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX, OPENED XX/XX/XXXX.
Consumer complaint received 2023-09-05
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. (MS)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXXXXXX  and XX/XX/XXXX. I have tried to get this updated because its affecting my credit.
Consumer complaint received 2021-08-30
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: CITIBANK, N.A. (CA)

On XX/XX/2021 XXXX  XXXX has done a hard inquiry without my concent or approval. I alredy have credit with XXXX  XXXX so there is no need to ask for new credit inquiry.
Consumer complaint received 2023-07-20
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. (NY)

In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my report : 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 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

I am filing this complaint because I believe that Bay Country is guilty of deception business practices. On XX/XX/XXXX, I contacted Bay Country at XXXX because I received a second loan pre-approval notification. I asked a representative to verify the validity of the correspondence. The representative said that I was pre-approved, however, I would need to payoff a previous debt ; a debt that was included in a XXXXXXXX XXXX XXXX bankruptcy. When I challenged the accuracy of her statement, I was transferred to a Branch Manager who told me that even though the debt was included in a bankruptcy, I was still liable for the debt because the loan was a secured loan. I asked for this information in writing, was told they would send it ; to date I have not received. They did however send me another pre-approval letter. 

I am reporting this incident for two reasons. First, I believe that XXXX XXXX bankruptcy law is quite clear on this subject. Unless I re-affirm the debt ; it is discharged. However, this business is giving contradictory information. Secondly, I believe that this business is operating deceptively by sending out pre-approval notifications; telling people that they are pre-approved to trick them into applying for a loan. In my case, I believe it was a tactic used to try and deceive me into reaffirming a discharged bankruptcy debt under the pretense of a pre-approved loan.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, Experian currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX, 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. XXXX is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.
Consumer complaint received 2023-01-31
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. (NY)

XXXX XXXX showed my account late, XX/XX/XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 usc, section 602, states, I have the right to privacy.15 usc,04a section has my civil liberties violated.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I was attempting to temporarily lift a security freeze today ( XX/XX/24 ). When I logged into the experian website, it forced me onto the page to order my free credit report ( which I did not want to do ). There was no way to bypass this screen to get to the security freeze page. When I broke down and entered the information to get the free credit report, it took me to a page that said it didn't work. There was no way to bypass this screen to get to the security freeze page. Every time I went to the sign in page I was forced to go thru this process. I went thru this same process in XXXX, XXXX, on my laptop, on my phone with the same result. There is no email address that I can contact them with and when I called could not get a human.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After sending 10 letters, The credit agency failed to verify the accounts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

XXXX and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to Equifax and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as XXXX XXXX XXXX XXXXXXXX XXXX details XXXX XXXX  paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am XXXX XXXX and I am reporting this on my own behalf. XXXX, Transunion, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Consumer complaint received 2021-01-17
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. (CT)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

I have tried to have my existing lender correct the property taxes on my house to the correct property taxes with my XXXX ( XXXX ). I faxed the letter from the tax assessors office to Mr. Cooper ( my lender ) on XX/XX/2022 @ XXXX XXXX. I have called a number of times and Mr. Cooper refuses to lower my property taxes to the correct amount with my exemption for being XXXX. Now I am getting documents from Mr. Cooper telling me my mortgage payment is going up because I now have an escrow shortage because they are collecting and paying out the wrong ( higher ) tax amount. The old taxes are {$3100.00} and the new ( lower ) taxes are {$2300.00} with the XXXX exemption.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.