davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (UT)

XX/XX/XXXX I called Ally bank to open an account with them. Talking to the employee I found out the account had closed because of insufficient funds. I told them that I still wanted to bank with ally and that I was happy to pay the overdraft that I had not known about. I asked for the amount, they told me the amount, payment method. I asked for this to be sent either email or mail for proof of records and they said they could not send me a record of the over draft amount, or proof my account would be reinstated after the payment. Unfortunately this situation is inappropriate and un-professional. A client should have either electronic or written communication about any transaction, and the fact that my account was closed means I have no verifiable way via app, email, or letter to document this conversation or requests of money from this institution. Because they cant offer this option I now cant open an account with them. I reached out to ally bank and notified them of this problem.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Im writing this letter to have my correct personal information reported on my credit report. The information listed is incorrect and I tried contacting the credit bureaus to update my personal information and they keep reporting the wrong information. I have attached my drivers license and current utility bill to validate my information.
Consumer complaint received 2024-02-28
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXXXXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

In 2011 SunTrust bank closed out my checking/ savings account stating I had a fraudulent check deposited into my account, and they refused to give me any type of explanation as to where the check came from or who deposited it into my account. 
I opened the account with {$100000.00}. 
As of now SunTrust has changed to Truist and I still can't get any answers as to where my money is. 
I appreciate any help in this situation. 
Thank you.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.
Consumer complaint received 2022-11-01
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: GOLDMAN SACHS BANK USA (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2023-08-23
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: TD BANK US HOLDING COMPANY (PA)

TD Bank is reporting to XXXX an account that doesn't belong to me. 

According to report, it was opened on XX/XX/2022 & closed a day later on XX/XX/2022 2022
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (PA)

XXXX is reporting incorrect information to EWS. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me
Consumer complaint received 2023-01-02
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: Early Warning Services, LLC (CA)

I received a copy of my consumer report from Early Warning Services which contained me personal information from XXXX XXXX XXXX XXXX ( XXXX  ). The accounts I hold with XXXX are personal checking and savings accounts. The terms and conditions for XXXX XXXX XXXX XXXX XXXX state on pages XXXX & XXXX that XXXX DOES NOT share personal information with nonaffiliates. Early Warning Services is a nonaffiliate. XXXX and Early Warning Services intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, XXXX and Early Warning services violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that XXXX ad Early Warning Services should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of XXXX. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically XXXX, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which Early Warning Services is a nonaffiliate. Other laws provided by the XXXX, FTC, XXXX, XXXX and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX ATTN : EXPERIAN DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged XXXX XXXX  XXXX referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The XXXX XXXX  XXXX would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX XXXX  XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EXPERIAN is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EXPERIAN consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EXPERIAN. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC  XXXX   C  O RESURGENT CAPITAL SERVICES  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC XXXX  (  XXXX  )  XXXX , has re-aged  XXXX  accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act.     Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor-  XXXX    XXXX    XXXX   XXXX   XXXX  Original Balance  XXXX   Date Opened- XX/XX/2017  Date Reported- XX/XX/2017  Creditor Name-LVNV FUNDING LLC Account  XXXX  Original   Creditor   XXXX    XXXX    XXXX   XXXX    XXXX   Original   Balance-    XXXX   Dat e Opened-  XXXX  Date Reported XXX/XX/2017
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

I purchased windows through XXXX XXXX XXXX. I paid a 50 % deposit on XX/XX/XXXX. The windows/door were installed XX/XX/XXXX. I requested the stickers from the windows XX/XX/XXXX. They were unable to produce the stickers, but we found XXXX sticker and a piece of cardboard in the trash that was too difficult to read to confirm they were what I ordered. After repeated requests for proof of specifications of the windows in which they refused, I put in a dispute on XX/XX/XXXX related to not receiving what I ordered and paid for. That dispute was handled very unprofessionally with the credit card company making multiple requests upon me for documentation in which I supplied to the best of my ability. They then stated the impossible, telling me I needed to prove the windows were not what I ordered. Since the stickers were not on the windows and door, I was to check the serial numbers on the windows/door. My windows/door do not have a serial number. I have checked multiple times and there isn't a serial number and I have told more than XXXX XXXX employee that along with the credit card company. If there is supposed to be a serial number and mine do not have a serial number nor the stickers attached to the windows/door ; I would think that proves they are not what I ordered. The credit card company then requested a XXXX opinion regarding the faulty installation. I obtained the XXXX opinion as requested and sent the documents in before the stated deadline, but they had already cancelled the dispute before the stated time. They then reopened the dispute, but then cancelled it again with no response from anyone. 

I then found out the company that installed the windows had let their business license go to inactive due to expired insurance. That occurred XX/XX/XXXX ; after we entered into the contract, but before they were installed. I once again requested a dispute on the charge. I have requested this over the phone and in writing. The information regarding the business was obtained from XXXX XXXX XXXX XXXX Department and I needed to obtain permission from them before any further action could be taken. I received permission XX/XX/XXXX and uploaded the document. I am writing this to not only voice my complaint regarding the handling of the XX/XX/XXXX dispute, but to hopefully have a more professional open review of the dispute charge. I am concerned about the credit card company 's honesty since the time limit has changed since the original dispute along with their previous frequent demands upon me and none from the manufacturer/installation company. Documents available upon request.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

Hello I had got my credit report from XXXX and seen that my report had 2 inquiries with THD/CBNA. This was a fraudulent I never authorized for THD/CBNA to run my credit and I would like to get inquiries removed due to fraud. 
It shows THD/CBNA ran my credit on XXXX and on XXXX.
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (KY)

XXXX XXXX XXXX XXXX XXXX Wells Fargo was the lender on my home and car ; for which both items were included in my bankruptcy filing. I lost the home but was told that the car would not need to be returned. Approximately three to four months after my bankruptcy was granted s discharge I received a phone call from Wells Fargo that a warrant would be issued for my arrest if I did not return my vehicle to the dealership within one week. I had moved three hours away by that time and they told me to drop the car off a dealership in XXXX and to leave the keys inside with the car locked. I was scared and naive that this was true, so I did what they told me. Many years later I received a letter from Wells Fargo stating that they were not attempting to collect a debt under law and included a check for XXXX dollars ; which I never cashed and still have. I have received a few letters from them since then asking me to please cash the check. I looked up information on my bankruptcy case recently and found that the car that I had returned was not needed to be returned at all. I was scammed and stolen from by Wells Fargo. I have tried to figure out how, and why they were able to get away with breaking the bankruptcy code and get away with it, but it is only because they didnt report it to anyone. I was left without a vehicle and still have not been able to get a car loan.
Consumer complaint received 2017-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.
Consumer complaint received 2023-05-24
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. (KY)

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus XXXX, XXXX, and Equifax. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX XXXX undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called XXXX to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submtted written requests with all XXXX  credit bureaus regarding XXXX addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove.
Consumer complaint received 2023-05-24
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. (TX)

I have been disputing this account on my credit reports for a few months now to no avail.This account was removed and then placed back onto my credit report. I have sent a reinvestigation letter, letter to the collection agency as well as method of verification and factual dispute. The date of last activity continues to be updated while in the dispute process.