davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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. (VA)

I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2021-10-12
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: CITIBANK, N.A. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-01
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)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2017-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (GA)

The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship. 

If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately. 

Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020, my husband noticed that he had been locked out of our joint USAA bank account. He proceeded to call USAA to see why he had been locked out and re-establish his online access. When he was on the phone with USAA, they told him that they had decided to no longer do business with us and close both our checking and our savings account. We asked them why this was occurring as we have, to our knowledge, not done anything which would warrant such a decision. We asked them if they had sent us a 30 day notice in advance of this decision and they said that they had not. Furthermore, when we asked how we would have access to our money, they said that because the account was in the process of closing, they would hold our money for the next 60 days. It is now the XX/XX/2020 and we have bills and a mortgage to pay but no access to our money with no clear idea of when we will again have access to our money. We also were never given a 30 day warning in order to prepare for this event.
Consumer complaint received 2020-12-01
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (PA)

I do NOT bank with BB & T bank and I got notices in the mail on XXXX that " I '' opened a checking AND savings account and I also denied overdraft for these accounts. I called them on XX/XX/XXXX when I got more notices from them about the same accounts I did not open ( with my name but incorrect address ) she told me that she was noting them as a fraud accounts and that they were blocked as identity theft. Then I got the debit card for the account in the mail. so I drove to XXXX PA and went IN the actual bank to report it and ask to get it taken care of. The lady in charge was VERY RUDE and told me that they opened HUNDREDS of online accounts and that they knew about them and were looking into them. I said well are you taking care of it or what? she said YOU better deal with YOUR social security number because they HAVE IT and they are using it. I said I ALREADY DID I called the XXXX and put a lock on all my credit. with all 3 credit companies. then I get letters on XX/XX/XXXX telling me there is a XXXX on the account and XX/XX/XXXX telling me I have a XXXX and there is a XXXX and a XXXX on the account. then on XX/XX/XXXX letter telling me that i need to deal with my overdraft of XXXX or they are closing my accounts and reporting me to XXXX. Then on XX/XX/XXXX i get a statement from Truist ( they now own BB & T ) telling me I still have a XXXX balance. and now on XX/XX/XXXX I get a letter form Truist telling me that the account is closed and XXXX is now reported to XXXX and I need to pay it asap. what happened to reporting it as fraud and taking care of it for me????? it seems to me they did NOTHING about these accounts that were open in my name and there only goal is to ruin my credit even more. I just got off the phone with their recovery dept and they sent me to claims and that lady told me there was nothing she could do for me and that she was clueless as to how long it takes for fraud cases to go through and be notified and there was NOTHING she could do for me. they ARE USESLESS. she told me i was NOT a client of theirs and that she could nto help me!!! really I have 2 FRAUD accounts in my name with YOUR bank that I do NOT want and I am NOT a client that you can HELP.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TN)

Early XXXX I had an unexplained large drop in credit score. Credit reporting did not offer explanation. The only change I had with my financials was using a Synchrony Bank card ( care credit ). The large drop in credit was not justified by the small usage on the already established card. I contacted the company directly and explained the issue. They never followed up with a response or solution, but a few days later I saw where my credit score had an increase. I was grateful they fixed their issue, but then a few days later I saw where another one of my cards with Synchrony Bank ( TJmaxx rewards card ) had been closed. I didnt authorize the closure, I use the card, theres no required usage amount in the agreement so I reached out to them. They were very rude and told me it had been closed due to inactivity. I explained I use the card and that it was odd that it just so happened to be closed after I had to dispute a credit report factor with the company days prior & requested information be sent to me. They offered no help & never sent the info I requested. I contacted the company again this time requesting a supervisor. The supervisor was just as unhelpful and told me it had been closed due to inactivity or so the note for closure said. I explained their wasnt anything in the agreement that stated it had to be used so often nor did I receive a notice about it. After a long hold she said they can close my account for any reason any time. I explained to her that I believed the reason my account had been closed was due to the fact I had to dispute a credit report factor with them days prior to the closure & it was done as a way to bully & spite me. I honestly do not care about the account being closed and me being unable to use the card because the max limit was very low anyways, but what I do care is how it negatively affected my credit score by XXXX points! Thats a large drop! I used my card every so often just to keep the account active to avoid the credit drop. I feel theres been some very serious bullying and discrimination coming from Synchrony Bank and their employees. I will not be satisfied until justice is served and my credit report is back to how it was before the account was closed and dropping it XXXX. I have given the company every opportunity to make this right & my next step if unresolved will be legal action. Thanks.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Someone stole my credit card number two months ago and USAA has been giving me the runaround ever since. Their fraud alerts knew it was fraudulent, as they are the ones who originally alerted me to the issue at the end of XXXX. I immediately called them and had them cancel my card and supposedly they filed a claim. I didn't get my temporary funds back and never got a confirmation of the claim and had to call back four times over two weeks. Finally they got the claim processed in XXXX and gave me the temporary funds. 

It took them two months before finally coming back last week and saying the {$5.00} charge was fraudulent but the {$400.00} charge was not. These charges were made within minutes of each other all by the same scammer. I called the merchant where the {$400.00} charge was made and it took them only 10 minutes to confirm it was absolutely fraud, that despite the person having my credit card number and address to process the payment, they were at a completely different address three hours away from me and had used 5 different cards all from different people to pay for multiple orders. 

I have now been calling USAA for four days in a row to attempt to get in touch with someone who I can conference in with the merchant so the merchant can confirm the fraud and get me a refund. They are giving me the runaround again. They said they would provide me with the documents they used to claim the fraud wasn't fraudulent but they didn't. They said a fraud specialist would call me from the fraud department but they didn't. They also took the funds back out of my account this morning. When I called again to express my exasperation they gave me the exact same spiel that they did the first time I called and said they would schedule a call back. 

This behavior is reprehensible. Not only have they massively mishandled this claim from day one they are now massively mishandling my attempts to prove the fraud and get my money back. They called me a lair and stole from me. I need your help in making this right please, CFPB.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (IN)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2023-03-25
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report 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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I have been waiting for 9 months for BBVA to return the money from a checking account closed by the Enterprise Fraud Department in XX/XX/2021. My checking account was closed by BBVA in XX/XX/2021, due to my daughters ' unemployment benefit checks depositing to my account as they had been for the previous 10 months, my daughter was not a signer on the account. There had been no problem with the ACH deposits for 10 months so I assumed it was okay. I received a letter explaining my account had been closed and after a mandatory 10 day waiting period they would send me the balance or send the money back to the XXXX  XXXX XXXX if there were any disputes as to the rightful owner of the funds. I waited a month then began a daily routine of calling the XXXX Fraud Dept. at BBVA to be put on hold for a minimum of 45 min usually to be hung up on as the phone was answered this went on for 5 months during that time I spoke to 5 different people who all told me the money had been sent to me by US mail as a check. I continued to call after never getting a check and was told by someone that I had withdrawn the money myself months ago, also told by another person that the money was sent to XXXX which it was not. I have spoken to the state comptroller to verify. I got another letter in the mail informing me my accoount was now frozen an they would be sending the balance to my address on file in 10  days. That was over 40 days ago.
Consumer complaint received 2020-12-01
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. (TX)

Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a checking account and savings account with Bank of America. I have a line of credit available to me through my mortgage. It is called a HELOC line of credit. 

I deposited approximately {$120000.00} into my Bank of America checking account sometime around XX/XX/2020. 

I have a line of credit with Bank of America that is tied to my mortgage, similar to a home equity loan. It is called HELOC. I waited the appropriate time and on XX/XX/XXXX, I went on line and transferred {$100000.00} to my HELOC line of credit. I have had the HELOC with Bank of America for about 12 years and I have regularly drawn off the line of credit and made payments to the line of credit. Almost all of these transfers were conducted on line. 

As of today, Bank of America can not tell me where my money went. It was not applied to the HELOC and it is not in my checking account. 

I have been in their branch and on the phone with numerous people with Bank of America and no one can tell me what happened to my {$100000.00}. I have had two bank representatives tell me that it has happened to many other recently. 

I have spoken to people on the phone and two people, one of whom was the bank manager, and none of whom can tell me what happened. The bank manager keeps telling me that they will figure it out and get back to me. It has been 15 days and the bank still can not tell me where my money is today.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (TX)

Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.
Consumer complaint received 2020-12-01
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. (TX)

Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I received unbeknownst to me from XXXX XXXX account # XXXX for several months $ XXXX " portfolio management fee. I never requested or was advised that I had portfolio management or that there was a fee associated with it, and do not want and will never want such services. After complaining I was told that I had been sent a letter which I never received " informing '' me of this fee because my balance was below {$25000.00}. Why? Because without my advise or consent XXXX sold off part of their asset management business to a third Party which included my XXXX money market account XXXX which contains {$25000.00} as of XX/XX/2019, leaving me to pay for their greed. I spent several hours working with them and they told me that I could only solve this by going to my local branch in XXXX. which of course is closed because of Covid. Their case # is XXXX XXXX XXXX XXXX XXXX. Most dishonest bank in U.S.,. Have I not had my other autopsy, ssi, etc.,. Linked with this account for 36 years I of course would change banks. Help me. I am trapped at age XXXX!
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I filed a dispute of fraudulent charges on my Bank of America pre paid debit card from XXXX. Claim # XXXX. I had just found out that someone intercepted my card and spent the money {$20000.00}. Since XXXX 2020 I have called repeatedly to BofA prepaid card, services been on hold over 20 hours and when I do reach a human, they are unable to tell me anything about my claim except its processing which tells me nothing. I have submitted everything I was asked to and they say they have received it. I have not received anything in the mail, no email, no text msg or phone call. I have not received a credit to my account. BofA has supposedly has " Zero Liability '' for fraudulent charges. I guess just not for me. EFTA states banks have to investigate claims and/or credit the account within 10 days of original report, this clearly has not happened. The stress of having someone steal from you is sickening but having to deal with the stress that Bank of America is putting me through is unbearable. I am a widow, a single mom, its the holidays, rent is due and I have mouths to feed and no money. The victims of fraud are being treated worse than the people who committed the fraud. There has got to be something that someone can do to help me but yet I have found no one. Any advice?