davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit 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: TRUIST FINANCIAL CORPORATION (FL)

Truist Credit Card Fraud : On XX/XX/XXXX I had a series of fraudulent bookings/charges on the credit card. on that same day I notified the Bank. Since then they have credited several booking but are refusing to refund one booking.

They themselves have issued various frau claim numbers and have kept delaying the cancelations and the creditibg of these funds for -now- over 90 days. No promised calls have ever been returned.

Upon calling them today they " decided '' not to cancel the remaining booking. On top of it becoming top down and willfully arbitrary by after 90 days asking for 'documented proof '' of the fraudulent booking. HOW? They have the statements. There is nothing else. 

The remaining fraudulent amount is {$1400.00} and they've been charging interest for all of the amounts without crediting the interest of the balance amounts. 

Everyone new makes provides inconsistent, inconcise statements and kicks the tire down the road.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX I made a purchase for XXXX online from XXXX XXXX XXXX they took the funds from my account. Later on that evening the bank took a total of XXXX in two separate transactions one for XXXX and another for XXXX the online order from XXXX XXXX XXXX. I received an email stating that the items were shipping as two separate orders. This isnt the first time this has happened at Bank of America. Ive contacted them several times about this problem they always say its the company that you are ordering from. Im not sure but if its not the banking system then Ive been Hacke by a larger company.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (TX)

I disputed a charge with the merchant first and then called XXXX if her customer service and was told that I need to talk to the merchant they didn't handle that and the XXXX said they never charged my account but XXXX said yes it is and I've never been able to get my money back no matter what I do I have money already in my account they kept that money off so besides taking the {$49.00} out there was charged to my account by some merchant I never met it's off in XXXX I'm disappointed and and the sad with the day I tried everything to get my money back some picture of my photo ID everything was good that I've been required to do my account was closed for after 4 hours after making a deposit it's XXXX in the morning after I talk to them and they told me that there was no problems in my account cuz I had him order me a new card and they close my account because of that cuz I disputed one charge I would never trust him again and never been able to give my money back it's been over a year and I'm just finally complaining about them hopefully this helps completely frustrated can't believe I'm out that kind of money and I'm just born and everything was {$500.00} in my account recoup from I think an extremely sorry that somebody told me my account some good order it's good standing order me a card as soon as I make a deposit close my account I've never been able to get my money back I need some help on this a telephone number is XXXX XXXX XXXX you bye
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I am filing a complaint against Equifax, XXXX, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My XXXX XXXX bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years,
Consumer complaint received 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (GA)

I made a payment for my monthly statement balance on XXXX and an additional payment of XXXX on XX/XX/year> that was not on my statement but that representatives told me verally by phone I needed to pay to bring my account up to date. Despite these payments, I have received another late notice and my account still displays as past due. When will my account show as current? When will I stop receiving late notices?
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (VA)

On Friday XX/XX/XXXX, I called XXXX Credit Karma to update my email and phone number on my account, inorder to access my account. 

I chatted with two people regarding my issue due to being hacked and my identity being stolen that all my emails have been taken and needed to rid of the email and replace it with my new email address. 

They asked for my ID, which I was skeptical in doing, but they stated that it was a requirement that their company did. 

I told them that if I get hacked that I would report them!. 

I sent my light bill and a photo of my driver 's license, but they stated that my license did not show the four corners and the back of my license, which I did not send to them. 

That was when I told them to give me their phone number which is XXXX XXXX in order to handle my account. 

They hung up on me 3 times, because I asked them to close my account, instead of them trying to update my account. 

I told them that I was going to report them to the Federal Trade Commission for not closing my account. 

They gave me the case number and confirmation number combined together and the lady said that it will take a few days to close my account. 

This is the confirmation and case number : XXXX Please help me to make sure that they close my account so I won't get hacked again. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

i have been scam for money laundering. they took my {$250000.00}. and made deposit in Truist bank in south Carolina XXXX XXXX account. than made wire transfer to XXXX XXXX i hope you help me get my life saving money. Bank not helping.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXXXX/XX/2024, I wrote a check in the amount of {$3000.00} to the XXXX XXXX XXXX to secure a burial lot for my recently XXXX  XXXX At the time, there was approximately {$18000.00} within the account. XXXX days later on XXXX, XX/XX/2024, I wrote a check in the amount of {$14000.00} to XXXX XXXX... again for the burial expenses for my mother. Everything appeared normal and both checks were submitted and cleared on XXXX XX/XX/2024. 

On Monday, XX/XX/2024, I purchased a headstone via an over-the-phone transaction in the amount of {$530.00}. To ensure the transaction had been processed, I viewed my account online and noticed that it had. However, I also noticed that the XXXX checks that had been posted recently were reversed to a " pending '' state. I immediately called Customer Service at XXXX at XXXX XXXX. They advised me that since the transactions were pending, I would have to wait until XXXX the following morning to determine how the pending status was resolved. At almost the same time ( XX/XX/2024 at XXXX ), the Wells Fargo Fraud Detection team was attempting to call our mobile contact numbers. My wife received a cryptic message that sounded like spam and the Wells Fargo number that attempted to call me was blocked by XXXX 's XXXX XXXX. No contact was made, and the checks were reversed ... resulting in additional fees to both the XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. 

Since then, there have been a number of escalations and complaints filed. XXXX suggestion from Wells Fargo Fraud Detection team member was that I simply just write new checks. How likely are these XXXX vendors going to be to accept another check... especially given they now have fees associated with my original checks? I have also been told by both Customer Service and Fraud Detection that this happens quite frequently. No contact was made prior to the reversal ... no email notifications made ... no alerts provided online or my mobile app ... and customer service was not aware of the alerts when I called only an hour after Wells Fargo attempted to contact me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, and as a result, my credit report contains multiple fraudulent items that I did not authorize or initiate. Specifically, there are 5 accounts and 15 inquiries that were added to my credit report without my knowledge or consent. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I request that these fraudulent accounts and inquiries be removed from my credit report immediately to restore its accuracy.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/year>, I received five emails from Capital One notifying me of a 360 account opened in my name ( account number unknown ). I have never opened an account with Capital One. 

Immediately, I contacted Capital One customer service at XXXX and was transferred to the Fraud Department. The representative advised me to report the fraud to the three credit bureaus ( XXXX, XXXX, and XXXX ). While I appreciate this general advice, I was deeply disappointed by the lack of specific information provided by your representative on what to do when to contact these credit bureaus, and whether I should call or write to each of the credit bureaus. 

Specifically, I requested details about the identification or information used to open the fraudulent account in my name. Supervisor XXXX, with whom I spoke, declined to provide this critical information, citing security reasons. I find this unacceptable, as knowing what data was compromised can help me take further steps to protect myself. 
Furthermore, I received no guidance on how this incident might impact my Social Security number. I was told to contact the Social Security Administration if I felt my number had been compromised.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In violation of 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. In violation violation of 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In violation of 15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, states that consumer reporting agencies ( CRAs ) must respect a consumer 's right to privacy. The section also requires CRAs to act fairly and impartially, and to adopt reasonable procedures that ensure the confidentiality, accuracy, and proper use of consumer information.
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

You replied that the alleged transactions that you identified as late are verified. The following accounts are : XXXX  XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

After checking my consumer report I noticed 1st progress reporting an account open on XX/XX/year> without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, Experian and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. Experian and First progress are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX account XXXX XXXXXXXX, is reporting to Experian that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and XXXX is reporting the same XXXX XXXXXXXX account XXXX XXXXXXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and XXXX XXXX does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

You are showing a balance on a closed account is a violation of the law and the law states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.