davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX  I was charged a late fee of {$39.00} by TRUIST. They said my recurring payment was not set up properly. On this day I was on the phone with a representative for about 45 minutes and had him make sure my recurring payment was set up properly so that this would not happen again in the future. They were kind enough to refund my late fee on this day and I was thankful for the refund. 

On XX/XX/ I was hit with another late fee on the same account for my recurring payment apparently not being set up properly. I was under the false positive impression that my recurring payment was set up correctly from my previous customer service conversation and late pay situation on XX/XX/. 

On XX/XX/XXXX  I was called by TRUIST in an attempt to collect a payment on my now past due account ( this was news to me ) I then explained to them that a representative would have helped me set up my recurring payment in XXXX why has it not been paying? They then told me today that my recurring payment was not set up properly and was cancelled ( I did not cancel this nor could they tell me who cancelled it or why it was cancelled ) I then was told about a different method to set up recurring payment today which requires me to send in a signed document ( this was never mentioned to me on my previous interaction with TRUIST in XXXX ) I was charged a late payment this time again of {$39.00} and they refuse to refund me for this late fee even though it is their fault for assuring me my recurring payment was set up correctly but it was not. 

These kinds of things happened to me when they were BB & T this is very unfair. I'm being penalized for their technical and/or customer service related incompetence.
Consumer complaint received 2016-07-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Keith D. Weiner & Associates Co., L.P.A. (CA)

keith d. weiner and assoc out of XXXX ohio, representative XXXX called to inform me about making a payment on my balance of XXXX dollars that has been payed down in the last 2 month from XXXX dollars. first he called my work and was never given permission to do so, after talking to XXXX and explaining my situation and why I was not able to make a payment until XXXX XXXX he later said if I did not pay today I would be sued by his law firm. out of fear for being sued I filed a complaint with the ATTORNEY GENERAL AND THE B.A.R OF OHIO
Consumer complaint received 2023-05-26
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-05-26
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.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes wich 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 2023-05-26
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX/XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I want all accounts removed immediately!!!
Consumer complaint received 2023-05-26
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. (VA)

Transunion continues to show a late payment on a account XXXX XXXX XXXX XXXX XXXX which is a direct violation of FCRA USC 15 1681 permissable purposes. Date of the late payment is XX/XX/2021
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is frau
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MN)

Sent this message to Wells Fargo on XXXX/XXXX/XXXX on their own contact us page. Your information says there will be no fees for ATM withdrawals for international withdrawals for premier checking holders. You have incorporated fees in the exchange rate that you are using for converting the XXXX that I withdrew. The transaction here you charged me an exchange rate of XXXX XXXX. On the same date XXXX XXXX converted transaction charged on my credit card with an exchange rate of XXXX dollars/euro. In addition to this transaction I had another ATM transaction for XXXX XXXX on XXXX at an ATM and a conversion of XXXX euros in your retail Branch office in XXXX Minnesota. The conversion in the branch offie the Bank officer told me there would be no fees for getting XXXX as long as I was a bank customer. These claims of no fees is disingenuous when you know you set the exchange rate to include a fee component. I believe you should self report to CFPB I followed up with the bank again in XXXX XXXX as they had not adequately responded to me on the issue and basically gave me the run around by referring me to the foreign currency department of Wells Fargo with no specific reference to a banker to direct my issue too. They did follow up in XXXX XXXX and I received a call from XXXX XXXX who could not comprehend my issue and escalated it to a supervisor. I do n't recall the supervisors name but he basically said there was no fee incorporated in the exchange rate and that there was nothing they could do for me. I do truly believe there is a fee incorporated in their foreign currency conversion rate and probably would not have a problem with it other than they sold me on a premier checking account on the basis that a certain number of these transactions per month would be without fees and I believe they are not standing behind their promises and disclosures. Maybe they should not promise things that they will not follow through on.
Consumer complaint received 2023-05-26
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. (NC)

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  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. Convergent Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I told XXXX XXXX XXXX to close my account because they dont credit my account for charge backs told me i was late in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary i finally told them I am type XXXX austim which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX XXXX XXXX am asking Transunion XXXX and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report files ask XXXX XXXX to close account because they refused to give me any type of credit and make unsecured
Consumer complaint received 2023-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (AL)

I called and requested a debt validation letter that included an itemized statement in XXXX of XXXX  and they asked me to send a request via email, which I did. I received no letter. I called again in XX/XX/2023 ( they have record of this phone conversation ) and requested the letter again. I waited 30 days, still nothing. I called today and ( XX/XX/2023 ) once again requesting the debt validation letter and asked why I hadnt received a letter after the last two attempts. 

They said they hadnt sent it out yet. Im so frustrated with the lack of response, I just want to see proof of this debt so I can pay get it over with. In the meantime they keep raising the debt owed with interest charges when I could have paid this months ago at the original price.
Consumer complaint received 2023-05-26
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX I opened a XXXX credit card account with Capital One under the condition that I will not be personally responsible for that credit card in any way. In XXXX, Capital One decided to report their small XXXX accounts to the consumer credit reporting agencies in violation of our agreement a year earlier. I have requested several times that they remove any reporting that has been made on my personal credit, but they continually keep reporting it. I have requested several times from Capital One to provide me with documentation showing that I authorized myself to be obligated to pay for the XXXX credit card or personally guarantee it, They have refused to send me any documentation. I would like to resolve this issue and request that you investigate this matter. I can send you documentation supporting my position.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-05-26
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX XXXX, Act Name : XXXX XXXX  Act Name : TXXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Name XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX XXXX, Act Name : XXXX XXXX XXXX, XXXX Name : XXXX Act Name : XXXX XXXX, Act Name : XXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CT)

I opened a JC Penney credit card in XX/XX/2023 and verified my current address and information on the pin pad while in the store and after a couple weeks I wondered why I never received it. When I called to make a payment on XXXX XXXX because I could not make a payment online due to not having my new card, I inquired as to what address my new credit card went to because I had not received it. I was told the address it went to was not the address that I had given them. It concerns me greatly because I had my social security number stolen and someone tried to open a bank account in my name at XXXX XXXX  XXXX recently. The agent at JC Penney did cancel the card that went to the wrong address, however I did address my concern on this matter but she didnt seem to be bothered by my concern which is also very concerning to me. I told her that I am going to make a complaint regarding this matter to CFPB.
Consumer complaint received 2017-09-08
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. (IL)

Equifax wrongfully exposed my full name, social security number, address, and other identification information on the internet, due to gross negligence of security practices. This has put me at lifelong risk for identity theft and credit fraud, requiring constant monitoring, time, and expenses for me for the duration of my life. This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets.
Consumer complaint received 2023-05-26
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2023-05-26
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.