davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NY)

Certified Mail Letter mailed, received and signed for by XXXX XXXX on XX/XX/XXXX, a representative of recipient of this letter and Banking Institution I wish to place a complaint on to facilitate closing my deceased parents ' bank accounts at this Branch ( formerly known as SunTrust Bank ) My last correspondence is as follows : Truist Bank of XXXX XXXX, Attn : Branch Manager or administrator, XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Re : SunTrust Accounts : XXXX, XXXX XXXX and XXXX ( Both Deceased in XXXX ) Former Florida Address : XXXX XXXX XXXX, XXXX XXXX Personal Money Rate Savings - XXXX and Truist XXXX - XXXX To Whom It May Concern : On XX/XX/XXXX, I sent a letter via XXXX XXXX Mail to the above address, also to the attention of the Bank Manager , and I have yet to receive a response from this letter, nor to my many voice messages and emails sent to XXXX XXXX XXXX who I initially spoke to with regard to the closing of the XXXX accounts referenced above per the Second Amended Order of Summary Administration ( copy enclosed ), following the directives of the Last Will and Testament of my parents, XXXX XXXX and XXXX XXXX XXXX customers of your bank when it was still SunTrust. 

It is unclear to me what is holding up the disbursement of the balances of the XXXX accounts to the beneficiaries named in the Order, namely : XXXX XXXX, XXXX XXXX and XXXX XXXX - all mailing addresses are also reflected in the Court Order. As a retired life-long secretary ( retired from a 20+ career as a secretary in a School District, with experience in Real Estate Banking and XXXX XXXX 5 years in hospitality as an administrative secretary - the XXXX XXXX, XXXX and the XXXX XXXX, NJ XXXX I am astonished with the unprofessional manner in which this delicate matter has been handled by Truist Bank. 

Im not sure if anyone at the Branch ( which was still SunTrust ) remembers my mom and dad, but they were an adorable couple and my father, true to his spirit, was the friendliest customer you could ever hope to meet. I am enclosing a photo of them with the hope that someone will recall them and how cute they were ( married 61 years when they passed away ) and take care of this for us. Its been quite challenging, to say the least, to settle their affairs when they both passed away suddenly and within XXXX weeks of XXXX another, all during XXXX XXXX, in the Spring/Summer of XXXX, as Im sure you can appreciate and imagine. It is my hope to have this final matter concluded by the end of this year. 

Again, I would appreciate it if someone from this bank branch would contact me via phone, text or email upon receipt of this letter. I really dont want to have to file a claim with the Florida XXXX XXXX XXXX XXXX XXXX however, upon our XXXX XXXX advice, we may have to if my efforts continue to be ignored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-16
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. (NJ)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX*Date Opened : XX/XX/2010 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (UT)

I placed an order and signed up with Affirm to make XXXX equal payments. As soon as I received my order, I realized it was wrong and returned it. I received confirmation of receipt of returned item and was told refund made and I did not owe any payments. I get daily email messages stating I am past due on my payment. Unable to call these people. I have responded to their email letting them know I dont owe this. They asked me to send copy of the email I received stating item returned and refund issued to Affirm. They still send me past due messages. Today I received notice they have reported to the credit bureaus. I want that immediately and permanently removed from all credit reports and for the to cease and desist the collection emails
Consumer complaint received 2022-09-16
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. (TX)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

There seems to have been an account opened for Upstart under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with Upstart and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
Consumer complaint received 2019-12-20
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-06
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)

Complaint to Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXXXXXX XXXX XXXX XXXXXXXX section XXXX .States I have the right to privacy XXXX. XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Delete this account ASAP
Consumer complaint received 2022-09-16
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. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NM)

The debt collector hired a lawyer to seek payment for a debt, the lawyer went through the courts, and hired a server to serve documents to me requesting a response to these documents. The document were not secured in an envelope for privacy, and were bound by a paper clip and delivered to my father-in-law at his residence. Thus allowing him and any other residence easy access to confidential information about me. Furthermore I have not lived at that residence for over two and a half years.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, Experian, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any discover card you will automatically be denied. I have XXXX  hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or XXXX stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Consumer complaint received 2023-02-09
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. (MD)

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 12 months to no available. I have been disputing 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 2022
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card. 
On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store. 
Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date. 

On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts.

I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding. 
Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX. 

The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail. 

I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?
Consumer complaint received 2022-09-16
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. (AZ)

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of ed, account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # 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 reportion agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-06
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)

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MI)

PayPal permanently limited my account and I have funds in it that I sold from crypto. It then became my PayPal balance. Here is what I wrote to summarize : I am respectfully requesting that the hold on my funds/account be lifted immediately. I do not want this account to remain open nor do I want PayPal services any longer. I have previously requested a review/appeal of my case which was denied for some reason which I do not understand. Regardless, I feel that holding my funds for 180 days for some non-fraudulent violation of PayPal Acceptable Use Policy is excessive and an abuse of power, I will be filing complaints with the appropriate agencies on XX/XX/year>, if I am not satisfied with your response to this request to release my funds. 

Please be aware that replying with the standard procedure is part of the terms of service that you agreed to/ will not satisfy my request, or deter me from filing my complaints with the appropriate agencies. I am simply seeking a resolution that is fair and in the best interest of both parties.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

IC System at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$640.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-06-16
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. (NY)

I've contacted Experian several times regarding the fradulent accounts they refuse to remove from my file. I've sent supporting documentation as well as the other credit bureas have also corresponded to them as well advising these accounts were indeed removed due to fraud and they refuse to remove it. I even called regarding an authoroze user account that I have no clue about and they wouldn't even assist me with that. I't like they have my account blacklisted to some degree even when I pay my credit cards they refuse to fix these problems. I feel like this is some form of discrimination and this needs to end. There is no way that my utilization changes and there are no updates to my file. I've attempted to contact Experian several times each time they spoke to me as if I'm a liar as if they haven't received supporting documentation as well as the other bureas have contacted them as well. I've mailed in doucments which I know they have received because they were sent certified
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the XXXX Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.