davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX - I did send an email to Truist - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THIS IS MY XXXX CFPB COMPLIANT AGAINST TRUIST BANK, CUSTOMER ADVOCAY TEAM AND EXECUTIVE MANAGEMENT. 

There has been XXXX fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} XXXX FRAUD COMPLAINT : - XXXX Fraud Dispute was filed on XX/XX/XXXX, Fraud Cases # XXXX, Truist Fraud Department cancelled my card and sent a replacement. In response to my XXXX compliant to CFPB in XX/XX/XXXX, XXXX XXXX XXXX from Truist Advocacy Team has provided inaccurate information that fraud claim for {$2400.00} is closed in my favor and my account is credited. I called XXXX XXXX at XXXX in early XX/XX/XXXX and explained the issue also, I even followed up with an email on XX/XX/XXXX. Since XX/XX/XXXX there has been no update from Truist, I was even informed by XXXX XXXX 's that a Supervisor by name XXXX XXXX XXXX will call me, as of this afternoon there has been no response from Truist nor I see any credits to my accounts in the amount of {$2400.00} and {$24000.00}. 

What is more shocking is that Truist XX/XX/XXXX statement still state the amount of {$2400.00} is still under dispute. Please refer to Truist Statement for XX/XX/XXXX, XXXX XXXX of XXXX ( yellow highlighted section of the statement ). 

XXXX FRAUD COMPLIANT : A repeated fraud has occurred my Truist Credit Card, this time in the amount of {$24000.00}. A part from the credit card there has been on my Checking Account # XXXX, Case # XXXX for {$700.00} and ACH Transaction, Case # XXXX. Police Report was also provided to Truist Bank Staff. 

At the advice of the bank staff I called credit card customer service, a fraud case # XXXX was issued. Since then I have called Truist Fraud Department multiple times since XX/XX/XXXX. As of today Truist has NOT PROVIDED ANY EVIDENCE that I have benefitted from this transaction. 

There is no resolution being provided by Truist. I also sent an USPS Certified Letter on XX/XX/XXXX, with Tracking # XXXX. The attached evidences clear show that XXXX has credited my accounts and also debited, I am in loss of {$2400.00} and {$24000.00}. 

As informed to Truist, XXXX XXXX and Truist Advocacy Team, if Truist do not resolve the issue in next 30 days, I will forced to take legal action against Truist Advocacy Team and its Executive Management and Banking Ombudsman for further intervention as customer complaints are being closed with inaccurate and misleading information.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX  added a XXXX account to my credit report and refuse to remove it. It has affected my credit and credit score. I sent a certified letter ( dated XX/XX/year> ) to XXXX XXXX, President ; a letter ( dated XX/XX/year> ) to XXXX XXXX, Office of the President and email ( dated XX/XX/year> ) to XXXX XXXX, Senior Specialist. They all refused to resolve this issue. XXXX stated that I am not responsible for paying the bill. They want my Social Security number and a copy of my drivers license. They did not have this information when they added the account. Clearly, this is fraudulent intent. Why do they need my sensitive information? Bank have been involved in these illegal activities, example : opening accounts in peoples names without their knowledge.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX and TransUnion are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX  XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the XXXX  of the XXXX XXXX, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/year> for which I paid as a XXXX Consumer. Also my Vehicle with XXXX XXXX XXXX is being suppressed as well in it's intentions by XXXX, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both TransUnion, XXXX and XXXX to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a Chime account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with Chime on several occasions and they've confirmed that they've never Reported a Balance due on this account, XXXX undo your Threat to me personally as a XXXX XXXX  Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, XXXX take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in Federal Court, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and XXXX XXXX  against me as a XXXX XXXX XXXX. XXXX I'm on to your threat and your Game, but leave me alone, Stop with the White Supremacy threats, I FIGHT BACK but only in the Courtroom.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply concerning matter involving my recent experience with Capital One 360 banking, which has caused significant financial distress and threatens to leave me homeless. I am seeking your assistance to address this urgent issue. 

On XX/XX/2024, I initiated the process of linking my XXXX Bank ( XXXX XXXX ) to my Capital One account. Following this, on XX/XX/XXXX, Capital One made XXXX deposits, each less than {$1.00}, into my XXXX XXXX account, requiring subsequent verification. After completing this verification process, Capital One confirmed the linking of my XXXX XXXX account on XX/XX/XXXX. 

On the same day, I transferred {$5000.00} from my XXXX XXXX to my Capital One 360 checking account. I received an email on XX/XX/XXXX, acknowledging the acceptance of my {$5000.00} payment, with an assurance that the funds would be fully available by XX/XX/XXXX. However, on the following day, Capital One decided to remove XXXX XXXX from the list of approved accounts, citing it as a prepaid card. 

This sudden change is perplexing and distressing, especially considering the extended verification process, successful linking of the account, and the acceptance of my substantial payment. Despite these confirmations, Capital One is now holding my funds until XX/XX/XXXX, claiming it is due to the prepaid nature of the XXXX XXXX. 

This situation has severe consequences for me, as I am currently living in a motel and urgently need access to these funds for housing by XX/XX/XXXX. I feel unjustly punished for a policy I was unaware of, particularly when Capital One approved and confirmed my transactions. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and prompt Capital One 360 to honor the agreement made in the email, ensuring that my funds are fully available by XX/XX/XXXX. This resolution is crucial in preventing homelessness and rectifying the undue hardship caused by this situation. This is not the steps that I wanted to take and love capital one otherwise, but I have made numerous attempts to seek resolution, and not only been met with unwillingness to help but rude management as well so I feel I have no choice but to resort to this. 

I appreciate your immediate attention to this matter and thank you for your assistance.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (IL)

Ive been asking Crypto.Com to close my XXXX crypto card for MONTHS. I sent all details and proof of ownership and identity as well through email. They kept emailing me weeks later telling me they apologize and that since a lot of time has passed since my request ( DUE TO THEM INTENTIONALLY RESPONDING LATE EVERY TIME ), to re confirm whether I want to close the card. THIS SAME XXXX HAS BEEN GOING ON FOR MONTHS. 

WHAT THE XXXX IS THIS? HOW IS THIS OK? Im extremely frustrated so posting here. THEY GAVE ME THE SAME RESPONSE AGAIN TODAY. They could keep doing this forever like this. 

WHO DO I CONTACT? This is driving me crazy. This is extremely shady. 

I know I dont NEED to close my card and can freeze and empty the balance which I did. But I want to close it and should be able to. 

Is there any agency I can report this to? Ive used very strong language with each passing email response telling them I AM SURE I WANT TO CLOSE IT AND TO CLOSE IT FOR GOOD FOR SURE INSTEAD OF DELAYING. They just wont do it. 

They keep stalling and telling me to resubmit the request or re email them back BECAUSE THEY KEEP TAKING FOREVER TO RESPOND. IVE EMAILED WITH MULTIPLE REPS AND RHE SAME THING KEEPS HAPPENING.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( CASE XXXX ) ONEMAIN FINANCIAL GROUP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will counter sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (NV)

I had a student loan with Navient and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Navient ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. Then my loan was transferred to XXXX XXXX for the repayment plan. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive noticed unauthorized hard inquiries on my credit report that conflict with 15 USC 1681b ( c ) ( 2 ). These are affecting my credit, so please remove them immediately.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (NC)

Auto lease was purchased by BMO from Bank of the West. As I attempted to make my normal monthly payments, BMO was unable to locate our ( co owner is XXXX XXXX ) account. After I tried through the automated system which was our normal monthly practice, I was unsuccessful as the system couldnt locate the account. I had called customer service. They couldnt locate our account and said they would look into this and have someone get back to me, even asking if Im sure the account is with BMO. This was in XXXX. My last payment to Bank of the West was XXXX. After a couple weeks at no return call from BMO, I reached out again. I got the same response from customer service and again, waiting for someone to call me back. Another couple weeks go by and now we need to escalate this because we dont want any dings on our credit. This time I called several different numbers with BMO and asked for higher ups to help get us some answers and was referred to the collections department who was able to locate our account but why was it in Collections? After speaking a few times with someone the collections department we finally got a PO to mail an actual check to, since BMO is not set up to service lease accounts and we couldnt make our payments online or over the phone. So we started sending checks but continued to ask that the situation with our account get fixed as we had no way to track our account or even follow up to verify our payments were being credited, properly. After many unanswered attempts to contact the only person in the company that seemed to be able to find our account ( the COLLECTIONS department ), I was frustrated that our calls and emails were not being answered any more and no way to track our payments and our credit scores have both plummeted. I am running out of room to continue this but the summary is. Our payments were not credited. Our account has been charged off and sent to recovery. Credit scores lost over XXXX points. Still not resolved.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Called into Bank of America for information about an account that was charged off many years ago. When I asked the representative about the account she was very rude. I asked her about the way they were reporting as past due and a charged off account, she responded that She didnt have to take to me about the account. I asked her how could we come together to find and a solution and again she responded rudely and told me to call another company ( who isnt showing on my credit report ). I told her that I was pursuing a home and just wanted to clear up the reporting and her response was I dont have to tell you anything and as a matter of fact I dont even have to stay on this phone speaking to you about this.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (KY)

I went to Check Smart on XX/XX/2024 and took out a {$400.00} cash payday loan. Checksmart is saying they gave me a {$500.00} loan. That is not true, this company is stealing from folks who are already struggling financially. They have sent me to collections because I refuse to pay them back {$590.00} as if I took out a {$500.00} payday loan. I took out {$400.00} so I Should only be paying them back {$470.00}. I called them to report this fraudulent activity and I was supposed to have gotten a call back from someone at Check Smarts corporate office no never called me back as promised. I received a letter in the mail today for collections. I am very upset about this I am already struggling and I don't need anything else added to my credit. I am happy to pay back {$470.00} I am not paying any more than I am supposed to.
Consumer complaint received 2024-02-26
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: DISCOVER BANK (FL)

On XX/XX/year>, I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Discover regarding the Discover card account ending in XXXX. 
The investigation concluded on XX/XX/year>, asserting no fraud had transpired on my account. I find it both amusing and concerning that the company completed such a serious investigation within a mere XXXX days. Their reliance on public records to verify an email and phone number, neither of which I recognize, seems questionable. Public records, as they suggest, do not guarantee accurate attribution of information to individuals. Furthermore, the company 's defense appears laughable ; conducting my own investigations, I discovered numerous individuals with the name XXXX XXXX spanning from across the US from Florida to as far north as Maine to far west as Alaska, casting doubt on their claims. 

While I appreciate their attention to this matter, I must firmly reiterate that I strongly dispute the information provided and maintain that this account is a result of identity theft. Despite the documentation their investigation provided, I have not authorized the opening or use of this account, nor have I consented to any transactions associated with it. 

The Cardmember Agreement and privacy statement Discover enclosed do not change the fact that I did not initiate this account. Furthermore, while I understand the need to report the account as 'disputed ' to credit bureau reporting agencies, it is imperative that I continue to contest its validity. 

I have to to reiterate regarding the investigation conducted Discover Fraud & Disputes team, I am deeply concerned by the outcome. The details they have provided regarding the verification processes, including the email address and phone number, do not align with my personal information or actions. It is evident that my identity has been compromised, and I urge Discover to revisit the investigation with this in mind. 

I am willing to cooperate fully with any further investigations necessary to resolve this matter. However, I can not accept liability for fraudulent activities that I did not authorize or engage in. 

Please escalate this issue accordingly, and I kindly request your continued assistance in rectifying this situation.