davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

This is in direct relation to the following case : XXXX XXXX XXXXXXXX I have a Business Checking account that I noticed is receiving excessive overdraft fees in violation of the Overdraft Protection Act. 
Truist bank charged me overdraft fees even after the system tells me I had sufficient funds at the time of the transactions. I brought this issue to the Business Banking Support Teams attention. The fees were not refunded. I also spoke to a Banking Representative on the phone at the branch but nothing was done as I requested refunds. So far I have been charged a total of 13 Overdraft fees at {$36.00} each in XXXX of XXXX. 26 Overdraft fees in XXXX of XXXX. 15 Overdraft fees in XXXX of XXXX. 21 Overdraft fee in XXXX of XXXX. 7 in XXXX of XXXX. XXXX in XXXX of XXXX. 4 in XXXX of XXXX. 1 in XXXX of XXXX and 5 in XXXX of XXXX. Many of these overdraft fees were given even after the system showed sufficient funds at the time of transaction. Total amount of overdraft fees is {$3.00}, XXXX. Of which many times I was charge more than 5 overdraft fees in 1 day. The most I was charged was 11 overdraft fees on XX/XX/XXXX. I am seeking a refund and a change to how these fees are being charged to business banking accounts. I also made a request that the bank stop paying overdrafts but they said they can not stop for business banking accounts.
Consumer complaint received 2023-06-23
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (NC)

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.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) XXXX, XXXX
Consumer complaint received 2023-08-16
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. (SC)

I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I chose to close my New York and Company card with Comenity years ago, but still continued to pay down my balance. The company had done some upgrades to their website back in XXXX of 2022, and users were unable to log in. They stated work was completed sometime in XXXX and that users by then should've regained access to their accounts. Come XXXX, I still could not log in. I gained access like a week into XXXX and then paid my bill. I was charged a late fee that they refused to remove. 
The last statement that generated on my account was for XX/XX/2022, with a balance of XXXX. For months no other statement had generated yet I continued to pay, up to a total of XXXX. In XXXX I decided to login and check my balance, which still remained more than XXXX, despite the account being closed, {$170.00} dollars in payments and interest that was only about {$2.00} dollars. I submitted questions and another request to remove that late fee for when their website was not working and I got the same generic response and refusal. I also explained that my balance was not dropping despite payments to no avail. Fast forward into a request to launch an investigation because I feel comenity is committing fraud on my account, they continue to post late payments and report to the credit bureaus that I am late and now those months of not having statements generated magically show up on my account. I took screenshots of all of this. 
They hound me by calling me about 10 times a day, from different numbers and/or blocked numbers. They sometimes don't identify themselves, and I've had instances where the reps hang up as soon as I pick up. I guess they want the call to show up on the log but they want to get paid for harassing people.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XX/XX/2023 I sent a letter to XXXX  on XXXX XXXX in XXXX, Georgia and to National Credit Systems ( a collection agency ) asking them to validate the alleged debt on my credit report by producing the original contract with a wet ink signature. I sent the letters on XX/XX/2023 via certified mail and gave them 10 days to respond. On XX/XX/2023, National Credit systems sent a letter, non-certified ( which I received on XX/XX/2023 ), stating that their client ( XXXX on XXXX XXXX ) authorized them to extend a special opportunity for a " 50 % debt discount '' offer in which they offered 50 % off the alleged debt if it were to be paid by XX/XX/2023. Neither XXXX  on XXXX XXXX or the debt collector National Credit Systems provided the original contract with wet ink signature nor was the alleged debt validated in any way shape or form.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Re : case number XXXX complaint number that you keep deeming closed for duplication. 

What we need is there to be charges pressed against XXXX XXXX XXXX who forged a XXXX check with XXXX XXXX XXXX 's Citibank Checking account dated XX/XX/XXXX. The day that XXXX XXXX XXXX Passed Away. 

You have been sent the forged check. The check was written to XXXX XXXX XXXX XXXX Who also had illegall transferred over {$12000.00} out of XXXX XXXX XXXX XXXX account at XXXX  XXXX XXXX XXXX ( yes I know you are not XXXX  XXXX XXXX ). You Also have been given all documnet so prove the forgery was for fact done by XXXX XXXX XXXX. 

he needs to be reported to the athorities. I can not do it because you won't give me the proper documents to do so. IT is know almost 1/2 through the XXXX  year and my father pased in XXXX. This is too long. yes you got the money back but you did not press charges and what XXXX XXXX did was go manipulate the money out of his XXXX XXXX XXXX mother. She was diagnosed with XXXX  XXXX in XX/XX/XXXX and I was her full time care and full time trying to protect her from my brother stealing from her. She passed away in XXXX and because you refused to press charges so I can protect my mother as I requested a dozen times. XXXX tod my mother that someone stole XXXX from him and she beleived him and gave him the money to pay Citibank back. That is not okay. In her last month of her life she cried alot and she told me that XXXX had managed to get over {$45000.00} out of her the last year of her life. I also watched him get her to write him a XXXX check in XXXX XXXX days after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I could not stop it because it would upset her. it was horrifying. The last month of her life she told lawyers and mysef that she did not want any son around her due to their stealing, manipulation and actions to her and to my father, XXXX XXXX XXXX. Citibank should have pressed charged or reported to the authorities the first moment you were made aware of this forgery and stolen money done to XXXX XXXX XXXX in XXXX of XXXX you added major stess on me going back and forth with you over and over again. and I was very clear and said something needs to be done legal to STOP them from doing the same to my mother. You didnt. 

I will NEVER use citibank in my life. 
shame on citibank for allowing two seniors to be taken from financially. 

I want citibank to get XXXX XXXX in legal trouble for his forging XXXX the day my father died and XXXX XXXX for accepting that check and funds. between the both of them they stole of XXXX that I know about and fought for to get back. it took me hours and tears and dozens of phone calls and emails and nearly 2 years to get the funds back. NOt okay. XXXX XXXX XXXX and XXXX XXXX XXXX should both get in legal trouble for taking from XXXX XXXX XXXX a client of Citibank since XXXX.
Consumer complaint received 2023-05-14
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. (NV)

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 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. 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.
Consumer complaint received 2023-03-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank (FL)

Went to the Synovus branch at XXXX XXXX XXXX XXXX, XXXX FL XXXX on Wednesday XX/XX/XXXX to open a CD based on an advertisement I received ( and a variation of the ad happened to be on a desk within the branch : XXXX 4.6 % for 13 months ). Manager phone number : XXXX ; branch assistant ph number : XXXX. 

1 ) Notably the representative at the desk did not speak fluent English, but XXXX  ; 2 ) Immediately, he informed me that the promotion was not available for me, but only for existing customers, that I as a new customer could only receive 4.4 %. I went to the ad on the desk and it did not say that, it confirmed simply 13 months for 4.6 %. We brought this to the attention of others in the branch and then they said, ok if you open a checking account as well, you can receive the promo rate. Although the ad on the desk did not say that, I agreed ; 3 ) I requested that Synovus not mail paperwork, and they said they had to - no problem I agreed. I leave and then unexpectedly about an hour later receive a call from the no English speaking representative, telling me about opening the account on line or something of that nature in order to adjust the settings to no mailings. Ok, at this point I have concerned about this branch at Synovus and tell the lady who helped XXXX XXXX XXXX open the CD that I would need to part ways with Synovus, get my money back and go elsewhere. I am told the manager would call tomorrow ; 4 ) Branch manager calls Thursday XX/XX/XXXX, said sorry for my experience and troubles. Offered to close the CD and return my money tomorrow ( XXXX without penalty ) ; 5 ) XX/XX/XXXX is today, I receive a call from yet another employee in the branch informing that there will be a 12 day hold on my money - it'll be available XX/XX/XXXX - AGAIN, not what was agreed upon when the branch manager offered to close the CD and return the funds. So, it was trouble with their ad, outrageous that they have someone who can speak English making representations, and then another slick move in holding the money for 12 days without telling me what he intended.
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

When I logged into my Citi XXXX XXXX account today, XX/XX/23, I saw that one of my purchases, for XXXX, with a charge of {$210.00} was eligible for the " Citi Flex Plan '' at zero percent interest. No fees were disclosed either on the offer or the confirmation. I signed up for the 36-month plan. However after I did so, I saw that the monthly payment of {$7.00} would amount to {$250.00}, indicating that there were in fact fees involved. I never pay interest on anything, I always pay in full, so there is no way I would sign up for this if I thought there were fees or interest. 

I initiated a chat, however the person did not understand the situation and gave me a number to call, XXXX. I spoke to someone named " XXXX '' who kept checking with a manager and insisted the fee is disclosed on the website. I asked her to point me to that and she was unable to. She gave me a long url that redirected back to my home page. On one of the times she put me on hold, I was able to locate a link for Citi Flex Pay, and I got this message : Access Denied You don't have permission to access " http : //www.citi.com/credit-cards/creditcards/citi.action? '' on this server. 
Reference # XXXX Ultimately I did get transferred to a manager named " XXXX '' who reiterated that the fees were disclosed but could not point me to anywhere I could see this disclosure. I told her I had downloaded the confirmation page for the plan which did not disclose them, as well as having received 3 emails which did not disclose them. At that point she said she would waive the additional {$35.00} as a courtesy, but by then I was very suspicious and did not trust that there would not be some fine print somewhere and I no longer wanted to associate with the company. 

I told her I wanted to pay my bill in full today and that I would no longer charge anything to this card. She took my payment of {$370.00}. 

I am disgusted by this fraudulent business practice and I believe you should investigate this and take action.
Consumer complaint received 2023-07-25
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. (NJ)

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (FL)

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : 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 Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.