davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MA)

I am the new Secretary/Treasurer of XXXX XXXX XXXX. I am currently trying to obtain statements showing the XX/XX/2022 and XX/XX/2022 value of CDs held by Truist ( formerly Sun Trust Bank ). I tried to find these on the online banking application, but the system would not return any documents. 

I called the bank XXXX to try to obtain statements on XX/XX/2022, the first call was at XXXX XXXX. The XXXX time I called, the person on the phone told me that they don't have statements for CDs. I reviewed my predecessor 's statements for the calendar year and can not find any statement regarding the value of CDs. 

After speaking with my predecessor and conducting online research on what kinds of records banks should be keeping, I decided to call back at XXXX XXXX. I spoke with XXXX person who gave me the accrued interest, but was unable to tell me the principal of the CD at the beginning of 2022. I said that information was no help because the online banking only tells me the current value of the asset. There is no way for me to audit any of this information provided to me online. I was then transferred to some investment specialist who told me they can't help, but would transfer me back to banking. The investment specialist put me on hold and then said that there is an error in their system and I need to go to a branch. 

This is unreasonable as I live in Massachusetts and the nearest branch is in New Jersey. I don't know why they can not provide documents to me. I have full access to the bank account. Truist generally provides poor service, people at the branches are unable to assist, and seem unknowledgeable. 

I don't know why Truist can not put all this information on a consolidated statement. Looking through a year 's worth of statements, Truist has changed the way they report information.
Consumer complaint received 2023-02-13
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. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (AL)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (WA)

Initial contact was XX/XX/XXXX with a voice message from XXXX XXXX at Procollect Inc. I called back on XX/XX/XXXX to inquire about the message and was told a debt was being collected for an apartment in Florida. I am a long term Washington resident and have never lived in Florida or been involved with anyone who has rented an apartment in Florida. I provided a dispute via email as requested by XXXX XXXX on XX/XX/XXXX including a police report and copy of my drivers license for identity verification. The first entry on my credit report occurred at the beginning of XX/XX/XXXX. 
I did not receive any written documentation of the debt or a right to dispute the debt. I called back on XX/XX/XXXX to inquire about the dispute and was told by XXXX XXXX that it may take XXXX days for a resolution and that I should call back on XX/XX/XXXX. On the Procollect Inc website I requested documentation to be sent to me of this debt. I then followed up with a certified letter to Procollect Inc requesting verification of debt and expressing my dispute of this debt. I then received back a final bill from XXXX XXXX apartments in XXXX, FL with the same first and last name for an apartment rental ending XX/XX/XXXX. This letter also had a address in XXXX GA for the debtor in question and a reason for move out of XXXX XXXX. 
I called ProCollect on XX/XX/XXXX in inquire about the status and was told I could now only send email to fox@procollect.com. I sent the email and received a response the next business day stating only that I owe the debt. I did respond asking if we are no longer working in good faith to correct this responsibility. 
In my email on XX/XX/XXXX, I did provide a suggestion as to the correct debtor, as it is easy to find a person with my name who lived in XXXX GA and went to school in XXXX FL in XXXX and happens to have been drafted to the XXXX Texans in XXXX.
Consumer complaint received 2023-02-21
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an email saying that my phone number had been updated on my Capital One account. I forwarded the email to their Fraud department in accordance with their website. 

A few days later, I received a Capital One credit card in the mail which I did not apply for in any way. I called Capital One and told them the situation and asked that they immediately close the account. 

They finally agreed to close the account, but refused to tell me if any charges had been made so far. My fear was that the card info was being used for online purchases. Anyway, I don't know if charges have been made before I contacted them, or if I was sent this card as a deceptive practice performed by Capital One.
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : its also states a consumer report furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My home was foreclosed in 2009 and I was denied a modification for my home in XXXX XXXX XXXX. But the house in XXXX  was approved for a modern. I am the same person with the same credit scores. In my opinion I was denied in XXXX because I had equity in the home. While the XXXX  house was under water. It cost me a fortune to get back up to date with all the fees and other costs
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (MI)

On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and Experian. I believe someone tried to use my personal social security number to acquire a XXXX Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to Experian credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX Late Payment {$730.00} XXXX XXXX Late Payment {$100.00} XXXX XXXX XXXX Payment {$10000.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$7700.00} XXXX XXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$7300.00} XXXX XXXX XXXXXXXX Charge-off {$5600.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2022-11-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Saw some unauthorized charges on my checking account. The unauthorized charges appeared to happen in XXXX XXXX XXXX while I was in XXXX at that time. I filed a fraud claim with Bank of America immediately and followed up a few times through phone calls and online messages. However, Bank of America refused to credit back my account, although i did not make these purchases, did not sign any bill, and was physically in another country... The amounts are {$7.00} ( XX/XX/2022 ), {$9.00} ( XX/XX/2022 ), {$230.00} ( XX/XX/2022 )
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (UT)

I received my email from the US Dept. of Ed Borrower Defense regarding XXXX % discharge of my student loans. The email said to contact the servicer to make sure your address is correct for any potential refunds. I called them 5 times today. Their phone system is in such bad shape, that they all sounded like they were on a space ship on XXXX XXXX and XXXXXXXX XXXX! I told them this several times. I heard every 2 to 5 words because the phone was so bad. None of them were able to fix it. So apparently it's a company problem. Why don't they just shut down their phone system???? Good grief! I tried to get a supervisor too to see if that was an issue on their phone too. Never got one because I couldn't understand anything any of them were saying. One Rep named XXXX, repeated my SS # out loud, when I got angry with her for not being security minded or well trained, she decided to hang up the phone! Glad I got her name! This is likely the worst company I've ever had to deal with regarding my student loans! XXXX XXXX was way better, more professional. This company is absolutely pathetic! My fingers are crossed that I do not have to deal with them going forward when this discharge is taken care of.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I rented a car from XXXX  rental car on XX/XX/2022 and my credit card was charged {$860.00}. When I turned the car in on XX/XX/2022 my credit card was charged again for {$870.00}. The original invoice shows that the charge of {$860.00} was supposed to cover the rental period so the charge on XX/XX/2022 was a double charge for the same transaction. Chase Freedom Credit Card refused to resolve this matter. I rented with XXXX on XX/XX/2022 and my original invoice of {$940.00} was charged on XX/XX/2022. When I returned the car on XX/XX/2022 I did not receive a emailed invoice but another charge of {$1100.00} so again I was charged more than double for a rental car. Then on XX/XX/2022 I rented a car from XXXX and was charged {$950.00} on XX/XX/2022. When I turned that car in I finally realized that they had been charging me double because the charge of {$950.00} still remained on my credit card and then I received an additional charge of {$1100.00} on XX/XX/2022. In total I was only supposed to be charged {$860.00} + {$940.00} + $ XXXX {$1100.00} =. XXXX  Rental Car charged me {$7800.00}. Chase Freedom Credit Card claims department did not resolve this issue and in essence allowed XXXX to charge me a extra {$3900.00} fraudelently. These " ghosts '' charges would show up on my credit card account and increase my balance and then disappear without my balance going back down. I was adding cash on the credit card every time I rented a car to match the total cost of the car. You can also see that on the last transaction of XX/XX/2022 for {$1100.00} was for the same car that they charged me {$950.00} for on XX/XX/2022
Consumer complaint received 2019-11-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

Im a vet. Went to XXXX XXXX XXXX place 4 years ago. Very XXXX XXXX XXXX. Had just moved to north MS had not transferred primary provider from XXXX to XXXX Ms. VA refused to pay all of emerg room visit. I got bill from hospital and presented bill to VA. I refused to pay part of cost. The partial amount went to collections. Franklin collections payed to get the account. 
What is owed is XXXX. But the collections company has not sent me any documents indicating that the amount owed for debt is any different than the amount that is on all three of my credit reports. The amount that Franknlin collections is trying to collect is XXXX. 
Am I liable for any amount that is not reflected on my credit reports? This amount of XXXX has been reflected on my credit reports for 3 and 1/2 years.

Also, if I pay the amount indicated on my credit reports can Franklin Collections add more to my outstanding amount owed on credit reports? If so then this debt collector can indicate that I owe an outstanding amount ever you time I try and pay each outstanding debt owed on my credit report. An infamous loop to say.
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: EQUIFAX, 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. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 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: 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 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: VW Credit, Inc (MN)

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )