davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove the following right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
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 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Consumer complaint received 2019-07-27
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: Innovative Funding Services, L.L.C. (TX)

On XX/XX/XXXX, after receiving a prepproval from a company by the name of innovative funding services, they then ran my credit without my permission twice. With two different inquiries now populating on my report. Then, only to email me and deny me approval. I stated that the inquiries were made without consent to miss XXXX XXXX, finance advisor with the direct line of XXXX and yet they remain.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (SC)

XX/XX/2019 - Around XXXX called XXXX XXXX XXXX at XXXX to reestablish online access. Was given a very difficult time and the refused to verify me even after providing my drivers license number. I would have to call my CPA to get the tax ID number for the LLC and they would not verify the last two deposits even though i was holding the paper statement and reading it to them. The supervisor was less than helpful and despite verification of my drivers license still would not move the process forward. 

I am also being charged a maintenance fee when I have been trying to resolve a fraud claim and close this account. 

Statements for XXXX show more fraud debit card transactions but were never provided by the bank.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION ()

1. Opened a HELOC in XXXX, XXXX. Never missed a payment 2.Opened another HELOC in XXXX, same Bank ( Truist ), {$110000.00}. in XXXX. After 7 months they told us we need to pay of the remaining balance from the first loan for XXXX which they already gave us a Disbursement letter that they paid it off. We would not have accepted that if they told us we had to pay that off before we could get another loan. 
3. So now they have put that on a revolving option loan and the interest keeps going up. Our loan payment from he XXXX was fixed at {$630.00} and now we have to pay XXXX was our last payment. 
4. They gave us a XXXX XXXX. Acct which has XXXX and we have a line of credit for XXXX that we are supposed to be able to draw from but they have frozen both accounts. We did not create and They won/t do anything about it. My husband just had to retire due to XXXX and we are in our XXXX 's. This is just not right.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX/XXXX XXXX
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX/XXXX XXXX****
Consumer complaint received 2024-03-12
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

XXXX XXXX  XXXX corrected and then RE-MISREPORTED FALSE LATE STATUS Everyday of false reporting is a LARGE COST to me that XXXX XXXX XXXX WILL BE PAYING. 

Need help from CFPB
Consumer complaint received 2022-12-16
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. (TX)

On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their cloud storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXXXXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX   XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-18
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 (FL)

I have a checking account with Bank of America ( preferred member ). On Friday XX/XX/XXXX I received an email that my balance was low. I checked my bank account and found there was an unauthorized transfer of more than {$39000.00} out of my account to an unknown account. I called the bank immediately and asked them to stop it ( it was shown as " processing '' at the time. They told me the money would be back in my account that evening. The next morning, I saw that not only the money wasn't back but the transaction had cleared. I called again that morning ( Saturday, XX/XX/XXXX ) and they told me that a form needed to be completed to file a complaint. They said it would show up within 24 hours. The next morning, Sunday, XX/XX/XXXX, I check again and no form. I call the bank again, and they said it takes more than 24 hours because it is the weekend. I called again on Monday morning because there was no form. Again, they tell me it will take 24 hours. The money finally appeared back into my account on Tuesday, XX/XX/XXXX. 
However, my account is now locked and there is nothing I can not have access to it through the online system. I have been calling to try to transfer the money to a new account but they put me on hold for long periods of time, with no option for call back. I have called twice today, was put on hold for around 30 min each time ( with the same annoying message playing constantly ) and had to hang up both times because of work obligations.

I find that the response of the bank is unacceptable. This is serious crime that is affecting my ability to pay bills etc., and they are not taking it seriously. It is maddening that I can not contact anyone to get access to my money. They are extremely slow to respond, and my impression is they are not taking this seriously or doing much about it. Furthermore, I have no information from the bank regarding what happened, how was my account compromised, and how to protect myself. When I asked during one of the calls I was told that anyone with my account number can take money out of my account. I can not believe this is true, otherwise this would happen very often ( credit card fraud happens frequently, but I have never heard of anything like what is happening to me ). 
I have tried to contact the bank in many different ways ( XXXX, on-line help, calls ) and I get nothing from them. 
I would much appreciate a response to this and whether I can pursue action legally.
Consumer complaint received 2021-07-22
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: CORELOGIC INC (TN)

We purchased a new XXXX  XXXX XXXX on XX/XX/2020. We did sign a, " Truth In Lending, '' form from the dealership. We were a wear that was part of the purchasing agreement. How ever we were not a wear that after the 12 or so lender they used for the propose of the finance would be reported negatively on our credit. So instead of one or maybe even two, there were several found by XXXX XXXX on our credit that had to be removed. This should not be. Just because a seller chooses to use multiple banks, should never effect the consumer in such a manner. This causes a consumer credit rating to drop drastically. It is my hope that one day this is something that congress takes into consideration for the working people. None of us can afford for this to happen. We knew we were going to have to refinance, and try to get a better situation. But how can you do much better with these kind of things on your credit history pulling you down!
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Blue bird Amex has shut off my account, withheld my money and will not take my calls to resolve this issue. I have done nothing violating their terms. 
XX/XX/2020
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent out a request form to annual credit report via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 days.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

Gap store ( Synchrony Bank ) closed my account because I was making payments with automatic payment since XXXX never missed a payment, I stopped the automatic payment in XX/XX/XXXX and made manual payments for XX/XX/XXXX and XX/XX/XXXX, they said I never stopped the automatic payments so you can't have two stop payments in a 12 month period even though I made the payments manually, they still closed my account without notifying me telling me that there was a problem with the automatic payment, I didn't know what was going on, I had talked to four representatives they had me thinking I missed two payments when I didn't, they said they can not reopen my account because I should've removed the automatic payment. Now it's gon na be on my credit report as a closed account, when I never missed a payment.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I requested to close my checking account at the beginning of the year prior to the merger with Truist but Suntrust neglected to close account. There were some APO payments that came through during that time causing negative balance off account. ash trust paid them instead of declining due to closed account. This caused account to go negative. XXXX XXXX sent a XXXX payment to my finance but had my name listed as contact person and was deposited to this closed account with XXXX XXXX. Suntrust took the money and then closed account and charged off. I went to the branch location who stated that they are unable to take money out of account nor return it back to sender due to account locked for charge off. Spoke with charge off department and they referred me to XXXX. Spoke with XXXX department and they stated account locked by charge off department and only ones who can assist. Spoke again with charge off department and they advised that theres was nothing they could do since payment completed through XXXX. I have been trying to get access to this money for last month and a half. The sender has tried to file a complaint with their bank and was told that they cant do anything since my account status is the issue. I need this resolved ASAP to prevent additional lawsuits pending. Thank yiu
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I applied for security service at XXXX XXXX XXXX XXXX XXXX, TX it was a temporary installation on a new construction that did NOT have a contract on. I spoke with the XXXX  representative that insured me that I did not have to sign a 3 to 5 year contract it was only a month to month. The rep did state that this was not the normal policy and that permission was granted from the supervisor. I canceled service in XX/XX/2019. XXXX  is currently trying to recover payment for early termination of contract. I've disputed this with XXXX XXXX  XXXX XXXX XXXX CORRESPONDENCE CANCELLATIONS TEAM XXXX. I have also requested a copy 's of both the docusign. The first one was not correct the second on XXXX refuses to give me. The licensed rep is XXXX XXXX XXXX. 1ST DOCUSIGN XXXX 2ND DOCUSIGN XXXX. The first docusign was voided. 

I would like XXXX and Credit Collections Services to cease and further collections on this account and bring my current collection account of XXXX to a balance of XXXX.
Consumer complaint received 2022-05-18
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)

Experian you are reporting inaccurate and unverifiable information on my credit report. Experian you are Hereby Put on Notice that you reporting information that are inaccurate. 

The Information is not information relating to any transaction by the consumer. Block all information relating to identity theft report deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2022-05-18
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)

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Consumer complaint received 2023-02-08
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

I, consumer XXXX recently reviewed my consumer reports from XXXX, XXXX, XXXX and saw that Self Financial Inc reported the status of the account with them as " closed charged off '' as per 15 USC section 1692d ( 1 ) my consumer rights has been violated. Any alleged unvalidated remarks or best furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. I never had a balance this company to be reported as charged off. The information reported are incorrect and is causing me stress and demand the organization remedy this situation as soon as possible. I plan to seek remedy for damages as a consumer and legal measures if Self Financial continues to tarnish my reputation.