davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (IL)

In accordance with the fair credit report XXXX accounts XXXX XXXX {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-03-01
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted 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
Consumer complaint received 2023-06-19
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)

Debt included in or discharged through Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or XXXX through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE. Can you delete this ASAP and send me and update.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AZ)

I was notified by XXXX that I was in collections with Sunrise Credit Services. I contacted the the company and was informed that my ex married name and SS # was used at XXXX XXXX XXXX in the amount of {$1500.00}. I did not give anyone authorization to use my name or SS # and I have no idea who made this purchase. Sunrise Credit is currently investigating this incident.
Consumer complaint received 2018-03-07
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. (CO)

The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this information.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I walked in to the Bank of America located at XXXX XXXX XXXX. XXXX XXXX, CA with all the correct credentials and opened a student checking account with my student refund check received from XXXX XXXX XXXX XXXX XXXX. The check was held for 24 hours, clearing the next business day. for two weeks after I used my account without any issue. On or about XX/XX/2023 I started having problems of not being able to access my account online, use my debit card, or access the app. 

On XX/XX/2023 I called the customer service department of Bank of America and was told that my account was being closed. I was giving no reason why. After speaking with several representatives I was finally transferred to a " manager '' who stated that my account was in good standing and I should be able to go into a branch and access my funds. 

I in fact was not able to access my funds and was told there was a " verification issue '' with my account opening and it was being closed. I was further told I could not access MY funds in the account and that the bank would send a check by XX/XX/2023. 

This is totally unacceptable! Bank of America is holding my money XXXX. I am a XXXXyear old student living in XXXX California alone with no family. I now have no way to pay my bills or rent, or buy food because Bank of America is holding my money and telling me there is nothing they can do. I have no explanation of why the account is closed but most important and the only thing I care about is that Bank of America will not let me access my own money.
Consumer complaint received 2022-11-23
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. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (WA)

I deposited a personal check amounting {$1700.00} through online banking after doing that Citibank blocked my account. This Happen in XX/XX/2023. Ive been trto resolve this 2 months now this is my second complaint through this agency. The first complaint I was told that theyre going to close my account and within XXXX days I will receive all the funds thats in my account but I only received {$25.00} which the amount that I put in to open the accounts I didnt receive the money that I deposited which is {$1700.00}. I tried to contact customer service I spoke to multiple agents theyve been transferring me to different departments all of them are telling me the same they can not release the funds to me and and advise me to contact the XXXX XXXX to file a dispute. I had a 3 way call with the check XXXX and his bank and they said that they cant stop the payment nor dispute it because the check is already been cashed into my account which I have no access to it. So the other bank cant do anything in their end because it is not a fraud check and a legitimate check But Citibank is not willing to release the funds to me or return the funds to the XXXX XXXX I requested Citibank to just return the funds to the XXXX XXXX but they are not taking an action and keeping my money. Citibank is not helpful at all theyre not giving me other options. Even their executive department told me to request the XXXX to file a stop payment or dispute thats the only option theyre giving me but I was already told by the XXXX XXXX that they can not do that. So I dont know what to do now. Even their Executive department is not willing to help me. All I want if they cant release me my money is to just Return the funds to the XXXX so they can pay me in other way instead. I am willing to provide a verification of the check from the XXXX XXXX  if its needed. I really need help. I deserve to get my money.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

American Express Credit Card Monthly bills debts are obligations of the United States per 18 U.S. Code XXXX, XXXX XXXX XXXX, and XXXX XXXX Code XXXX. American Express Credit Card Monthly bills debts are also a bond ( Top Part ) and check ( bottom part ). XXXX has been sent but no any remedies. XXXX was also sent to the XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Risks Related to XXXX XXXX Notes on Page XXXX of the FORM XXXX REGISTRATION STATEMENT UNDER THE SECURITIES XXXX OF XXXX it says that " An active trading market for XXXX XXXX notes XXXX not develop. 
There is no existing trading market for either series of exchange notes. -- -- -- -- -- -- -- -- -- [ We do not intend to apply for listing of either series of exchange notes on any securities exchange or for quotation through any automated dealer quotation system. ] -- -- -- -- -- -- -- -- -- -- -- -- Even if a trading market for either or both series of exchange notes develops, the liquidity of any market for such exchange notes will depend upon the number of holders of the relevant series of exchange notes, our performance, the market for similar securities, the interest of securities dealers in making a market in the relevant series of exchange notes and other factors. Accordingly, no assurance can be given as to the liquidity of, or adequate trading markets for, either or both series of exchange notes. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -Only gold and silver coin a tender in payment of debts Article XXXX Sec XXXX of XXXX XXXX -- -- -- -- -- -- -- -- Banks created the money and credit upon its own books by bookkeeping entry as the consideration for the Note. All of the money or credit which was used as a consideration was created upon their books, and it is the standard banking practice exercised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). -- -- -- -- -- A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- A debt is not paid by the giving of a note ( Federal Reserve Note/Cash/Paper Money ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- - Giving a note ( federal reserve note/cash/paper money ) does not constitute payment XXXX v XXXX of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) -- -- -- -- -- -- -- -- -- ----
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo somehow has added an unknown business to my mortgage account. I have mortgage and a checking account. Someone added a 3rd account. Ive called my Wells Fargo Bank and spoke to them with no help. Ive been calling XXXX numbers and have been sent to automated calling with no help. Ive manually gone in to Wells Fargo. Com and tried deleting this 3rd account added. There was a change made also to an unknown phone number for this 3rd account. Ive gone online and deleted it. I have copies of the business name and number that was put into my Wells Fargo account.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Monterey Financial Services LLC (CT)

purchased a opal ring at XXXX jewelry store. XXXX days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. XXXX the store clerk asked if I wanted to look and I picked out a XXXX ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ XXXX. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a XXXX Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ XXXX Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ XXXX This was a yr ago this past XX/XX/XXXX. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was XXXX and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ XXXX was in fact a charge of {$310.00} ... so I in fact paid for something I DO N'T HAVE
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (IL)

My identity has been stolen and I am in the process of fixing it. There are however a few accounts still on my credit report that I need to report. It is Truist Bank and XXXX Resolutions. There is an address associated to my social security number which does not belong to me, I have never lived in Florida. XXXX XXXX XXXX # XXXX XXXX, FL XXXX.
Consumer complaint received 2023-02-28
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. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had a checking account with Wells Fargo I was putting my money into my account and someone else was taking out the money without me knowing During this time I was taking care of my father. I wasn't getting any statements during. I made a complaint to the bank. However, they wouldn't help me. Please help me by getting my money bank from the scammer. Thank you and God Bless. XXXX XXXX
Consumer complaint received 2024-04-17
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: Bread Financial Holdings, Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTORIA SECRET/ COMENITY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.
Consumer complaint received 2023-02-28
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. (NY)

I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WI)

XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for 1-auto loan I had with Santander/Lending club that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my credit score to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

My account was victim of fraud check deposit fraud scam from a virtual client provided a fake check and now I dont have access to my own account funds the bank told me the issue was going to be solve by todayXXXX and I have no access or any information about my money. Bank Truist
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have submitted my SAVE application on XX/XX/XXXX to reduce my student loans by XXXX to {$200.00}. During that time they said they would send an email every 10 days to know the status of your application. I have not heard anything since. On XX/XX/XXXX I was required to pay an absurd amount of my student loan even though I can not afford it and my save plan is still processing. I have tried calling every week since XX/XX/XXXX and every time I call, I never get a person on the line, I wait two hours and the phone gets disconnected, and I have tried emailing with no responses. This is not ethical.
Consumer complaint received 2022-11-23
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. (FL)

In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (NC)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (FL)

Since XXXX and as late as XX/XX/XXXX be trying to get TransUnion to comply with 15 USC subsection 1681b/ 1681 ( 2 ) ( a ) ( i ) and 1681s-3.