davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

Dear Sir/Madam : Thank you for your time. I have a small business checking account with Truist, and I always check my account before I use my debit card to conduct business. But recently I discovered that the bank was withholding purchases and placing them in pending status sometimes as long as weeks. Finally, when all the transaction are drop in the account it causes overdraft resulting in fees. I contacted the bank to resolve this issue, I was told by the young lady that it was the bank discretion on how long the items remain in pending status. The reason I used the debit card to make purchases. I have direct deposit from my social security, I am senior citizen on XXXX with a fixed income, and if nothing is done, I will not be able to make my rent payment on the XXXX of XX/XX/2023. This will be creating undue hardship. I need some kind of help, thank you, and XXXX bless. 

XXXX XXXX XXXX, ( XXXX ) XXXX - cell
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (UT)

I tried again to transfer my money from PNC Bank to my main bank which is XXXX XXXX XXXX XXXX ( XXXX ) and the money was again returned to PNC bank after settling into my account with XXXX. I contacted them again and talked to XXXX XXXX and she offered very little help regarding resolving the issue. With this recall XXXX of my accounts is in a - {$7900.00} and I am now responsible for repayment in 30 days. I sent XXXX a statement from XXXX 2023 from XXXX that showed the money came from my account, but since she could not tell me anything regarding the proof she has or their " research department '' found to say the funds I transferred in are fraudulent, she wouldn't give me other proofs that the money I deposited into that account were legit. One other detail is that No sooner after creating the account with PNC and before I even transferred money in the PNC account, it was frozen or being looked at. This was back in XXXX 2023. I had to get my account unfrozen in order to transfer money into the PNC account. This has gone on long enough!
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a customer at Bank of America and my Debit card has been hacked and i had to call them straight away. They came back to me asking for papers and receipts ( I was hacked ) which completely illogical. Ive talked to them for that matter but no one helped.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-05-13
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 am requesting the addition of an account to my credit report, as I have been unable to see it reflected despite several previous attempts to communicate with the Equifax team. Despite my previous efforts, the account has not yet been added to my credit reporting profile. I need XXXX account to be added to my credit reporting profile. I am human there is no XXXX party.
Consumer complaint received 2020-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Confused how naviant is using my payments on the loans. Cant call them because need a lawyer. The XXXX me everytime in repayment. I have bill and the make my payments to what ever loan to charge more interest. Naviant is defrauding the American student. Put lates for no reason on credit report and lie
Consumer complaint received 2020-03-27
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. (FL)

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting an inaccurate information on all three of my credit reports they have accounts open and closed on each different credit report previously XXXX XXXX, and XXXX XXXX
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

From XXXX to XXXX I had a checking later years I had a credit card and credit line. They were posting withdraws and deposits so I would overdraft and charging me fees then they opened me a credit card without my knowledge and put the overdraft on the credit card.
Consumer complaint received 2020-12-22
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. (TX)

XX/XX/XXXX ) did not have permissible purpose to access my credit report. The undated attached credit application was not signed by me and was fraudulent. XXXX continues to ignore me and will list this complaint as duplicate. I request Transunion and XX/XX/XXXX to have XXXX send proof of permissible purpose or remove negative listing form my credit report. XX/XX/XXXX does not have proof of permissible purpose. Currently I have almost 4 years of damage.
Consumer complaint received 2020-03-27
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)

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-27
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)

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-25
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. (AR)

I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-03-27
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. (GA)

I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX and XXXX have removed the account from my report, however, XXXX  and Transunion have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a XXXX XXXX is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OR)

Before XXXX XXXX put a hold on my account due to suspicious activity. They put another hold on my account due to money owed to them. 

My husband and I use a debit card tied to our checking account. So we've paid for all of our merchandise at the time of purchase. The only other money we owe them is on an XXXX issued credit card that's been on auto payments since the first month I received it. 

this has been going on for over XXXX weeks, and they still refuse to tell me how much I'm supposed to owe, or for what! They just keep taking reports, and not communicating the results.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

XXXX XXXX XXXX XXXX Bal XXXX Lateness - XXXX During whole period I had only one late payment ( very old ) which I paid off and I now have years of good standing credit with your company, with the exception of those few late payments. Those few late payments are extremely damaging to me in a lot of ways, mainly they are damaging my chances of receiving a promotion at work. 

I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just those few exceptions and I ask for you to please eliminate those late payments with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 

I am pleading with you to honor my request, which would mean so much. I desperately need to get this promotion, which would obviously come with a pay raise, in order to continue to support my family. Please take into consideration what a good customer I have been. 

Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter.
Consumer complaint received 2022-12-28
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. (WA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (WA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-13
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. (VA)

I tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting
Consumer complaint received 2020-03-25
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. (AR)

I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XX/XX/2023 i filed a dispute in regards to my XXXX XXXX prepaid card because my card was compromise by someone else then i had to request for a brand new card which i just received but I'm yet to receive the funds which i disputed on and still waiting for bank of America to give me a refund, please kindly get in touch with them so that they hasten my dispute on time.
Consumer complaint received 2022-12-28
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. (LA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

Attached is an identity theft report of all fraudulent accounts and inquiries that need to be removed from my Experian credit report. 

Experian Fraudulent account that the creditor agreed to removed ounce it was satisfied but never removed it 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

XXXX investigations results status remains as verified after XXXX reinvestigations. 
TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX