davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Six months ago SunTrust Bank ( Truist ) unilaterally inactivated and closed my account seizing all funds. ( {$14000.00} ) During this period of time, I flew two times to the United States and visited several Bank Branches to get more information regarding my account status. No one was able to professionaly address the problem and explain to me how to solve it. 

In XX/XX/XXXX, I had to file a complaint through CFPB ( Case # XXXX ) in order to get a formal response from the Bank. I've got a final response letter explaining what happened and how to follow up, I will like to comment a few things regarding that letter : XXXX. I still dont know which Rule and Regulation for Deposit Account guideline or paragraph I allegedly violated?

2. Trusit inactivated my online account 6 months ago, how am I supposed to check those 19 transactions they said are out of the normal? If I have no access to my old bank statements.

3. I need the Bank to send me a detailed statement from XX/XX/XXXX through XX/XX/XXXX. Every day it goes by, it is more difficult to track all transactions. 
4. Back in XX/XX/XXXX when I opened the account, living and having proof of address in the United States wasn't a mandatory requierement. Why do they require that information now to be able to solve the problem? I have two addressess at the US, but I dont currently live in.

5. For this kind of process they should assign an agent to have fluid and constant communication with me. Their customer agent telephones ( XXXX ) are a nightmare, you can take hours for someone to answer your and when they do ; they do not know what to tell you...
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1800.00}. Please update ASAP.
Consumer complaint received 2024-03-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CT)

I have sent the rescission letter to Mercedes Benz of XXXX and Mercedes Benz Financial Services legal department. I cc the Connecticut Attorney general, Connecticut State Comptroller, Federal trade Commissioner, and OCC. My notarized rescission letter is attach to this complaint. 

YOU ARE NOW ON NOTICE. YOU HAVE 10 CALENDAR DAYS TO RESPOND WITH MY DEMANDS.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.
Consumer complaint received 2018-02-05
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. (IL)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-03-02
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I contacted them because I had a check on hold and yet again they have a hold for more then 5 days. Knowing we are going through a pandemic they normally send me a notification when Im overdraft and that to deposit to cover funds which I had available in my other account and they talked about how I have been over draft 17 times they only helped with 1 overdraft and didnt acknowledge in helping but saying they can help file a complaint.
Consumer complaint received 2021-05-04
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)

I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.
Consumer complaint received 2019-09-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I was added onto this account as an authorized user in an effort to help with my credit score. I am not related to this individual, it was done through a company for me to make my credit score better. USAA Bank has been called by me several times for me to be taken off as an authorized user. Initially I was added on to help increase my  score. I asked to be taken off of the primary account because their balance started to go up and damage my utilization. This card account has never been registered, I have never even had a card to this account nor do i know the person personally. A business associate of mine arranged for me to be added on to help my credit. I asked them in XXXX to take me off and was told it was done and it wasn't. Every month since then it has hit my credit and they are using almost all of their card limit which hurts my score. I have sent the attached documents into USAA on more than one occasion, on XX/XX/2019 and again today on XX/XX/2019 with no resolution. USAA says they can not take me off the account and take it off my report unless the primary calls in. I am unable to reach the primary and i want off of this acccount asap. USAA has yet to help me with this. They mentioned the user blocked the card ( which it was already blocked ) but never deleted me off. I need help.
Consumer complaint received 2021-11-06
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. (MD)

XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX
Consumer complaint received 2018-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequoia Financial Services (CO)

This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. XXXX  XXXX XXXX XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

JEFFERSON CAPITAL SYSTEMS LLC has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (MD)

Last month Suntrust who is the Lender of my Vehicle wrongfully repossesed my Truck when the payment was not due. I had to call the Police thinking it was stolen and the XXXX XXXX XXXX. I lost two days of work and suffered serious mental stress because of this. I called the Towing Company who had taken the Vehicle and also Suntrust. I explained to Suntrust the payment was not due until the XXXX of the month with the grace period. Suntrust had to release the truck and the towing company had to return the Vehicle that night. I then had to contact the Police and XXXX and try to explain what had happened. I have asked Suntrust to send me the statements but for two years they refused and also to refinance it in my name alone. The major party of the loan is in bankruptcy but I am not and I have made the payments for 8 plus years but Suntrust refuses to do anything and I have filed two previous complaints, but this is the last draw when they steal the truck when the payment is not even due, only to have to return it.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/22 I went to XXXX XXXX XXXX on XXXX XXXX XXXX, in XXXXXXXX XXXX  to get an appraisal of my vehicle. I didnt know they were going to run my info with Capital One when Im already financing the trade in car with Capital One. My complaint is why run me info with capital one when im already in a loan with them?? my Second complaint is Capital sent me a letter of denial for an auto loan because of recently returned payments on existing capital one accounts due to insufficient funds! I have several accounts with Capital One, one being an auto loan and three credit cards along with savings and checking accounts and all accounts are active and in good standing! it was very insulting to say the least that there were returned payments it was one time that happened all because my auto pay was set up with the wrong account! 
I am ending my complaint by saying XXXX shouldnt have ran my info with Capital One when I have an active loan with them and Capital One should not base a decision off of one returned payment that was not recent and nonetheless I am a LOYAL CUSTOMER AND I HAVE BROUGHT BUSINESS TO THAT COMPANY BY GETTING PEOPLE TO GET THEIR CREDIT CARDS THAT THEY WERE APPROVED FOR! HOW DARE THEM!!!!!!
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (NY)

On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account XXXX XXXX XXXX XXXXXXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

I have a collection amount with National Credit Systems in XXXX Georgia. I have written multiple letters and telephoned requesting a statement breaking down the debt, who its from, what is owed etc etc. They refuse to provide me that information.They have also lied to me over the telephone and told me they dont need to provide me any information regarding the debt and that they dont need to work out a payment arrangement.