davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

My wife and I have had a bank account with BB & T ( Truist ) for 18 years. We added a student checking account for our son when he was XXXX years old, and he is now XXXX years old. 

Approximately XX/XX/XXXX, he was robbed at gunpoint and they stole his debit card as well as his online bank login. He did not report this to the police at the time because he feared for his life. Starting on XX/XX/XXXX, BB & T has photographic evidence of other individuals depositing fraudulent checks into our son 's checking account at a BB & T ATM. The signatures on the checks did not match our son 's signature. On XX/XX/XXXX a check for {$3500.00} was deposited, on XX/XX/XXXX a check for {$3500.00} was deposited, and on XX/XX/XXXX a check for {$3500.00} was deposited. None of these deposits were caught by BB & T, and all of the funds were allowed to clear the following day. Subsequently, the money was transferred out of the account by XXXXXXXX or XXXX. We were never made aware of any fraudulent activity or overdrafts until XX/XX/XXXX by email, when we saw our son 's account was approximately - {$10000.00}. 

BB & T initiated a fraud investigation, and said that they needed the police report and for our son to come into a branch to look at the photos of the people who deposited the fraudulent checks. We filed the police report, and that investigation is ongoing. Our son went to look at the ATM photos, but he did not recognize any of the people making the fraudulent deposits. We were then treated quite rudely by several BB & T employees as we tried to understand why these fraudulent checks were ever cleared by the bank. We were lectured about how we should be better parents and our son should be more responsible. We were told that the investigation was closed until the police report was submitted. No one could answer our questions about why these checks were accepted. Deposits into our son 's account rarely ever exceeded {$300.00}, but somehow three {$3500.00} check deposits were not even flagged or looked at more closely. The signatures didn't match, the addresses did not match. With such relaxed check policies, we were shocked that BB & T was attempting to hold us liable for the fraud. 

XXXX, in the payments department, told us that we had until XX/XX/XXXX to set up a payment plan or until XX/XX/XXXX to pay in full. We sat on hold for an hour on XX/XX/XXXX to set up a payment plan but were never able to speak to an employee. The following day, BB & T force transferred every available dollar from our savings accounts ( {$5500.00} ) to pay for the negative balance. XXXX, in payments, then denied ever telling us we had until XX/XX/XXXX or that we could set up a payment plan. 

Now that BB & T has taken our money without our consent, we are doubtful that they will ever re-open their investigation once the police report is available.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Friday XXXX XXXX, 2016 I called Transunion and XXXX to let them know that they were inaccurately reporting personal information, specifically addresses on my credit report. XXXX agreed to delete inaccurate addresses that I am no longer associated with specifically the address : XXXX XXXX ca XXXX - Transunion added this address to my credit file and i have NEVER been associated with this address. This address can not be verified by any means as i have never been associated with this residence. They also added XXXX XXXX XXXX XXXX an old address i am no longer associated with. Reporting these addresses on my file inaccurately is putting me at a high risk for identity theft.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 ensure the 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 investigated. 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 : XXXX XXXX BALANCED {$11000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$4800.00} XXXX XXXX XXXX  XXXX BALANCED {$11000.00} XXXX XXXX  XXXX BALANCED {$7700.00}
Consumer complaint received 2024-09-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

I never opened credit with barcley. I attempted to contact company several occasions to clarify debt on several occasions up to recently. 

In 2018 they sent me a letter stating they were unable to verify debt. Therefore according to legal Fair Credit This item needs to be removed from credit
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (GA)

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, Equifax, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (MI)

Someone use my debit card for a purchase of XXXX with XXXX and the company is not complying with the card company XXXX XXXX payfair this has been going on since XX/XX/2022 and all I get is lies told to me and not a refund.. Now I'm currently XXXX and lost my job and car. Can someone please help me
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (NC)

on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later i haven't received a response yet. i feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.
Consumer complaint received 2024-10-27
Product: Credit reporting 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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Conduent Incorporated (MO)

On XX/XX/2020 I order a replacement card for XXXX XXXX XXXX On XX/XX/2020 Missouri dept of unemployment issued funds of {$610.00} dollars. That I did not receive I have been contacting for over 3 to for consecutive days now Nd yet to have received my funds
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare. 
Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment. 
Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me. 
The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (CA)

Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX  - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.
Consumer complaint received 2024-10-27
Product: Credit reporting 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. (DE)

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. 

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 Equifax 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 Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 2022-06-17
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: Experian Information Solutions Inc. (MD)

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions