davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (KY)

On XX/XX/ XXXX  at around XXXX I discovered that my checking account was empty when I went to get something to eat on XX/XX/XXXX at around XXXX I drove to Truist bank ( fornely know as BB & T or SunTrust ) when I arrived at the bank I asked the bank teller at Truist if I could see my bank account details because my card balance said it was at {$0.00} and that did not make any sense to me and when the bank teller showed me my account history I immediately saw where {$1000.00} had been withdrawn from my checking account on XX/XX/XXXX ( 1 day prior to me discovering that someone had cleared out everything I had in my checking account ) upon me discovering that someone had made an unauthorized withdraw I immediately told Trust bank to shut my account down and I immediately drove to the local police station and filed a police report on the {$1000.00} that had been stolen out of my bank account and upon further review I noticed that there were many unauthorized purchases dating back to around XX/XX/ XXXX XXXX  in total I counted 63 unauthorized purchases that I never noticed because they were very small amounts until on XX/XX/XXXX when {$1000.00} was stolen from my checking account and after finding that out it was a total of {$1900.00} that was stolen from my checking account. I called Truist Fraud department everyday for 3 hours a day constantly being put on hold and constantly being treated like I did something wrong this has been a nightmare and Truist Bank has not corrected anything and Truist Bank has put me through XXXX and has done nothing except for reinburse me a measley {$200.00} of the roughly {$1900.00} that was stolen from me through unauthorized purchases and Truist Bank has fought me and made me feel like I did something wrong when it is Truist Bank who has put me through XXXX and will not correct what happened. 

The local Police Department where I live ( The XXXX Police Department ) has done everything they can to try to find out who did this but to no avail. The Detective assigned to my case did a very good job in trying to find the thief who stole from me but for right now he said this is going to remain an open investigation. And so when I called Truist Bank for the 30th time to tell them what is going on they still refuse to put the money back into my bank account
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My Citi-Bank Card account mainly serves as a vehicle for XXXX Store Purchases which ends in the number XXXX was compromised with Costco Anywhere Visa card by Citi with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW XXXX OBTAINED MY CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD. 

This compromised security breach of XXXX & COSTCO ANYWHERE VISA CITI CARD had caused harm by suspending my purchases opportunity at XXXX RETAIL AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY XXXX CREDIT PROGRAM. MY XXXX IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, XXXX IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the Citi-Card representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit Citi-Card Anywhere Costco Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the Citi-Card Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XXXX credit agency. The Citi-Card Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order Citi-Card to remove there false negative credit reports to all 3 credit bureaus due to Citi-Cards Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE CITI-CARDS POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST CITI-CARD CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE 720 'S RANGE. 

THANK YOU AND XXXX BLESS.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed the inquiry with TansUnion. No response The below named company that accessed my report via TransUnion was contacted and reported not having an authorization from me. 
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2023-08-23
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. (PA)

I have a heloc taken out in XXXX XXXX. I have called Experian several times and the few times I was able to get a human they have not had a XXXX call me back. In the beginning they told me to file a dispute although I told them it wouldn't resolve it because my credit union reports it correctly and is categorized correctly with XXXX and XXXX. Only Experian categorizes my heloc with my credit card accounts instead of under XXXX XXXX, thereby making my utilization ratio not calculate correctly with XXXX. By their own words on their website the XXXX does not affect utilization ratio because house is secured. Yet, even with my credit union notifying them of this and me sending them info, they have not done anything in this last almost year. All they need to do is move the Heloc from credit card acts and put under XXXX XXXX and XXXX is set up to then calculate it correctly.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

My trial agreement plan for mortgage assistance began XX/XX/XXXX the 1st trial payment was due XX/XX/XXXX, 2nd XX/XX/XXXX, 3rd XX/XX/XXXX I made all 3 payments. BSI was contacted to inform them I had not received the final modification agreement. I was informed {$2800.00} was being held in a separate escrow account and was not applied to my loan. I was also told by BSI Customer service they did not know when I would receive the final modification agreement. It is XX/XX/XXXX I don not want to lose my home to foreclosure because BSI has not serviced my mortgage loan Please Help
Consumer complaint received 2022-12-08
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. (DC)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the account below : Account : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

I sent prove that the debt was paid on XX/XX/2022 and they refused to remove. 

I requested what they had on me to prove the debt was mine, and they did not provide. 

They are not able to prove the debt is mine, and I sent proof that the debt was paid.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In the end of XX/XX/XXXX I received a phone call from Bank of America regarding a requested reimbursement of a bill payment on my account and if it I had made the request. I informed BoA that I had never made any such request. 
BoA immediately informed me that the account had been hacked and that fraud was committed regarding my account. 
BOA immediately closed that card number down and advised that a new card will be in the mail soon. 


On my charge card statement due on XXXX XXXX for charges from XX/XX/XXXX - XX/XX/XXXX, I noticed two unusual, large charges listed as payment adjustments. I immediately contacted BoA and was informed that they had processed ( 2 ) reimbursement of payments. 
On XX/XX/XXXX, Bank of America added {$2900.00} to my charge account claiming that I had requested a reimbursement for my payment made in XXXX. On XX/XX/XXXX, they added {$1100.00} to my account again claiming I requested a reimbursement of my payment from XXXX. I informed them that I did not ask for any reimbursements nor did I receive any funds. After multiple calls over a couple of months and many different departments, it was finally resolved. When resolved, they informed me that they could not credit my credit card account for the charges but instead had to reimburse my bank checking account for the disputed amount. When I questioned additional interest charges because of these fraudulent charges, they assured all of them would be credited. On the statement immediately following my reimbursement to my checking amount from BoA, I paid them the full previously disputed amount. Prior to that statement, I paid for all legitimate charges in full but was told not to pay for the disputed amount or the subsequent interest charges. On that statement, I was charged {$20.00} interest which was eventually refunded on XX/XX/XXXX. On the statement dated XX/XX/XXXX, I was charged an additional interest charge of {$39.00}. I have continued to pay my bill in full for all actual charges, so this additional interest is based on the fraudulent reimbursement. I immediately contacted BoA and disputed the interest charges that I was previously told would be credited when the fraud was resolved. After many calls, BoA denied my dispute and will not take those interest charges off my bill.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX I received a CC from Capital One for a CC I never applied for. I called the fraud dept and they were very difficult to deal with as i was hesitant to provide my personal info due to multiple times of identity theft. I told the rep I want the card closed immediately as this is not a card I want or applied for. I ran a credit report today, and it is reflected on it but does not appear any action on it has occurred. The rep told me they will open a claim but would not confirm they would close the card! 

Captial One makes it extremely difficult to find an address pertaining to fraud as I wanted to send a certified letter to them to put them on notice to cancel the card. IMO they are violating the law and I am suspicious they may sent me the card to attempt to get me to activate. Looking at the poor reviews online it would not surprise me. 

The card # is XXXX XXXX XXXX XXXX Any additional info you might need please contact me
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (OK)

Ive exercised my rights to request validate debt and permissible purpose XXXX received no response. XXXX put on notice The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING. Its still reporting. Want removed off my consumer credit file also {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Disputes attached Equifax is reporting an alleged open date of XX/XX/XXXX while XXXX is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute attached.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. Kindly investigate on these items listed. XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was tricked into sending money through XXXX which left me with a several XXXX dollar loss and my bank can not help recover the funds. Someone looking to sublet my apartment through XXXX XXXX contacted me and asked for details and photos about my listing. After asking me to reserve the room for them they sent me {$3900.00} for rent via digital check which I deposited after they urged me to do so. The sublet fell through, they then asked me to send the funds via XXXX to someone else they claimed to be a moving agent and a new renter. I was not aware that the funds made available in my account were just expedited and that the check had not been cleared. Since the money was in my account, I thought it was safe to send their money back without risk to myself. On XX/XX/XXXX when a portion of the check was available, I sent {$500.00} to XXXX and the following day when the whole check was available, I sent {$2000.00} to XXXX over XXXX and the remaining {$1300.00} over XXXX to XXXX. So now I am back to my original balance in my bank account and I think I am in the clear. The next day I find the original check was charged back and I was left with a loss of the original amount. I contact Chase bank about filing a claim but they say they can only help me file for the XXXX transaction and to contact customer service at XXXX. XXXX has no protection against fraud. I call Chase bank again and report the XXXX transactions but am told that there is no guarantee of recovering the money. Neither of the companies claim they are capable of helping me recover my money.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. Trans union and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). 

This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. 

I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. 

I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. 

Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. 

The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. 

XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION used unfair and deceptive practices to remove {$23000.00} from my checking account. NAVY FEDERAL CREDIT UNION has reported by way of team members in their charge-off department that these funds were taken from my account for three charged off accounts. NAVY FEDERAL CREDIT UNION reported to me that a credit card 's debt was charged off on XX/XX/2017 ; a Checking Line of credit was charged off XX/XX/2017 ; a Personal Expense Loan was charged off XX/XX/2017. Each item that NAVY FEDERAL CREDIT UNION alleges is charged off debt is over XXXX and a half years beyond its charge-off date. As well, I have requested the 1099 C for each but have not been given such. Also, how can NAVY FEDERAL CREDIT UNION collect debts that are beyond the statue of limitations? NAVY FEDERAL CREDIT UNION took money that was not theirs to take and I qualify that as stealing in my faith based system. NAVY FEDERAL CREDIT UNION has not operated in good faith towards me as a consumer by stealing the funds from my checking account. At the time the funds were taken, the account had no negative balance.
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OneMain Finance Corporation (CA)

Hi XXXX XXXX on XX/XX/22 at XXXX p.m. try to acquire a online loan through one main financial. Phone number XXXX. The agreement was for {$10000.00}. They put {$700.00} in my bank wire check. When the check filled I then called the police and made the police report case number XXXX Tuesday XXXX it was reporting XXXX XXXX XXXX XXXX. The other phone number for OneMain Financial is XXXX. They have since called and tried to obtain the {$700.00} again saying they needed the {$700.00} it was a test run so that that deposit the balance of the {$10000.00}. At that time I was told by the bank officer while I was sitting at the bank with the bank manager at XXXX  XXXX XXXX stop the conversation.