davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MI)

I received an Indigo credit that I didn't apply for, I called the company and informed them that I didn't apply for the card and that I wanted them to close it. They said that it would be closed, so I sherried the card. so yesterday when I was trying to get my credit score I noticed that it had changed from XXXX to XXXX. So I pulled up my report and, the Indigo card was there. So I tried to call them three times, but all I got was a recording, that cut off after stating that my account was going to be sold. So at this point all I want is for it to be fixed. This is the phone number I XXXX
Consumer complaint received 2019-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a method of verification letter through certified mail which was received by TransUnion on XX/XX/19 in regards to a bankruptcy that theyre reporting. I intern received a generic letter dated XX/XX/19 that the information they received was verified as accurate and they disputed it again and verified it ( all in a matter of 3 days time ). TransUnion failed to provide proof of the information I requested in my letter as to names of people spoken to, phone numbers and addresses along with documentation they received through a previous investigation. I also stated that an e-Oscar verification was unacceptable.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-24
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. (MD)

In accordance with the Fair Credit Reporting act. XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, have 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 an account without my written instructions.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Consumer complaint received 2024-03-09
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. (CA)

Accordance with the fair credit reporting act. The account below has violated my XXXX  XXXX  consumer rights to privacy and confidentiality under 15 USC 1681.Acct # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

This is the 2nd time this year my checking account has been hacked through Truist/BB & T Bank . This time they initiall text me at XXXX XXXX XXXX on XX/XX/XXXX to let me know I been hacked they then called me and went over charges that went through that they can tell were fraudulent because it came from another state. They blocked and declined some of the attempts but did not lock my account so it wouldnt happen again. They cancelled the {$900.00} XXXX attempt and the {$1100.00} XXXX attempt but allowed two others to go through knowing it was fraud. 15 minutes after that called they allowed the scammer to XXXX themself {$200.00} and {$640.00} and did not block it which would have been avoided if they put a hold on my account when they first called. So I called again and the person stated they had no recitation that someone called me previously which I have the emails, text and call log as proof. She told me they could not do a claim until payment post. On XX/XX/XXXX I called them back because payment posted and they put in claim but basically told me its likely I wont get my money back which is illegal. I did not authorize those XXXX payments and they already know I was getting fraud attacked because they ( the bank ) are the ones that alerted me. I have issues with this bank almost twice a year where someone hacks my checking account and the bank gives me a hard time to resolve the issue. I have put in a police report since the bank does not seem to care. Which I have been a loyal customer of Truist bank which use to be BB & T for over 15 years. I would really appreciate this getting resolved as over {$800.00} has been taken from me.
Consumer complaint received 2022-05-24
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: CCS Financial Services, Inc. (AL)

I am a consumer, natural living breathing person. I am writing this complaint with my own free will and I am not being coerced by any third party or agency. I am aware that this company, " Credit Collection Services '' has used my personal information without being in accordance with the law. As of XX/XX/2021 I am aware that this company, " Credit Collection Services '' has been fraudulently using my personal information and furnishing items to my consumer report which should be excluded according to 15 USC 1681 ( 2 ) ( A ) ( i ). I have never given Credit Collection Services direct consent to furnish a consumer report on my behalf which also violates 15 USC 1681B ( 2 ).
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
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. (FL)

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. 
Account name : Money XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
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. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : 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 XXXX 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. 
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 XXXX 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 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My complaint is with USAA Banking. I needed to change my checking account statement date to either the end of the month or the beginning of the month, versus the middle of the month where it currently is at now, for accounting purposes. This doesn't seem like a tall order, nor worthy of the insane effort I've had to put forth to get to this point, but alas here we are. I made the first of several phone calls back in XXXX of XXXX. Most representatives tried to change the statement date but were unsuccessful not offering any other solution to the problem. Twice I was told it was changed but would need to wait until the next month 's billing cycle to take effect. The next month came and it did not change. Finally one representative said he'd been hearing about the problem and would submit an incident ticket number in XXXX of XXXX. I never heard back. I tried a chat and then was told on the phone that this was closed as they tried to reach out by email ( I have no email record of this reach out and I receive and download all my billing statements via email from USAA so not sure how that got missed, and no voicemails either ). I am now being told as of XX/XX/XXXX that my statement date CAN NOT be changed per a new policy. So if my issue had been addressed in a timely manner by competent representatives, this change would have been able to be made BEFORE this policy took effect. The very fact that I can not get this changed now at all is unacceptable, this should NOT be a policy, but the fact that it could have taken place 5 months ago prior to enacting the policy, is utterly infuriating. I have been with USAA banking for 19 years. I am now seriously considering leaving this bank as this is not the first problem I've had with them over the past few years. I don't know what is happening with this company but it is feeling not good.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (PA)

After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

EQUIFAX First letteXXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!! 

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

I presently have a Wells Fargo Free Checking account ( ending in XXXX ). The stipulation when I opened this account is that it is free checking as long as I have direct deposit from my employer. I have maintained this requirement to date. On XX/XX/XXXX and XX/XX/XXXX I was charged a NEW {$12.00} Monthly Service Fee. I reached out to Wells Fargo and explained this fee is in error as I have FREE CHECKING per the arrangement in writing upon opening my account. On XX/XX/XXXX, Wells Fargo opened CASE ID number XXXX. On XX/XX/XXXX, Wells Fargo refunded {$3.00} for XX/XX/XXXX and another {$3.00} for XX/XX/XXXX. They did not refund the entire fee which was unjustly charged. At this time, I am owed {$18.00} from Wells Fargo for unsubstantiated Monthly Service fees.
Consumer complaint received 2015-06-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process.

The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me.

Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval  as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic.

I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I made a withdrawal from a XXXX. ATM for {$750.00} ... On XX/XX/XXXX. I attempted to make another withdrawal for $ XXXX.but the money did not dispense. And did not give a receipt. The screen stated that I need to contact my bank to dispute ... Ameican express bluebird .. I did that submitted the request dispute in writing.. I was advise that .. it will take up to 10 days.. on XX/XX/XXXX i received and email stating that they closed the dispute and i would not get my money ... I call back and was told there was nothing that could do they received documents that said it dispense.. I asked for a copy and all it show is the atm location and the debit amount.. I ask to speak with a manager there is never one available ... ask how i can submit a complaint and I was given a fax number. That money was to pay my rent .. I now have less than 5 days to vacate my home ... American Bluebird customer service or dispute Dept is no help .. I just want to get my {$750.00} I cant just walk away from this I have to pay my rent and other bills. i just want some help