davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (NY)

Subject : Complaint Regarding Unauthorized Account Changes and Unfair Practices by Truist Bank Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Truist Bank for unauthorized actions on my bank account that have resulted in unjust overdraft fees and collection attempts. Specifically, Truist Bank changed my account to a " College Checking '' account without my knowledge, request, or authorization at some point in the past year. This change altered my overdraft policies without my consent, leaving me unaware of the risks associated with transactions. 

Further compounding the issue, Truist Bank closed my account without any notice to me. I only became aware of the closure when they began sending collection letters for overdraft charges and fees totaling around {$130.00}. The bank has no documentation or signed agreement showing that I requested or approved the change to a College Checking account, and if it does, then it is falsified. Notably, I am not even a college student, making this change entirely inappropriate. 

This situation suggests that Truist Bank may be engaging in deceptive practices similar to the ones for which XXXX XXXX was previously investigatedmanipulating accounts without customer consent to potentially inflate performance metrics and deceive shareholders. 

I am requesting the following actions : A cease and desist from any collection attempts regarding the fees and overdraft charges associated with this unauthorized account change. 
Investigate Truist Bank for deceptive and unauthorized account modifications. 
The banks failure to obtain the necessary consent and documentation demonstrates clear misconduct. I expect the CFPB to intervene in this matter to protect consumer rights and prevent further harm to other customers. 

Thank you for your attention to this matter. Please let me know if you require any additional information from me to facilitate your investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (OH)

I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that information.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My  XXXX  account was hacked I spoke with  XXXX  and the refunded what they could on their end and emailed.  Letter instructing the bank on how to retrieve my money that was stolen and my financial information was compramised and I filed a dispute with. Huntington bank in the ban k mysteriously and the copy of the email from  XXXX  and the dispute was lost I still retain my copy of both then I had to refile on a different day then I was told after checking on it that only  XXXX  dollars would be refunded even though  XXXX  were stolen and that there was only a  90day windo w from the time it was reported well they never  went 80days ba ck because I went through the bank statements with the banker in my branch and sent them a total as well as phone banking reps I feel like this decision was made with prejudice and I am being discriminated against because the process and procedures were not folles as well as being refused and hung up on once I requested to speak with a compliance  officer  and I have that right several of my rights were violated and this is not faut
Consumer complaint received 2024-10-30
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: CITIBANK, N.A. (NE)

I booked a hotel room for 1 night for a charge of {$420.00} ( including all taxes and fees ). The hotel charged me {$580.00}. I noticed right away and went to the front desk where I was informed the manager would need to fix it and he was out. They gave me his card and told me to email him. I never received a response from the manager so I disputed the charge with the credit card company. I faxed and mailed them receipts showing I booked for a total of {$420.00} and of course they could see I was charged {$580.00}. After over a month they informed me they were siding with the merchant and I was to pay the {$580.00}.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX Citi issues denial letter for cc based on XXXX XXXX report showing bankruptcy. 
XX/XX/XXXX XXXX XXXX report shows NO bankruptcy. 
XX/XX/XXXX XXXX found file where Citi attempted this same tactic of claiming a bankruptcy where none existed in XXXX Letters to Citi XXXX for copy of the XXXX report they relied on were ignored. XX/XX/XXXX XXXX filed CFPB complaint ( case # XXXX ) against Citi. CFPB closed case without resolution. 

This is now twice that Citi has provided false information to deny credit to an otherwise creditworthy consumer.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
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: AMERICAN EXPRESS COMPANY (CO)

I settled with AMEX in XX/XX/XXXX. I have proof of this settlement and payment receipt from AMEX. AMEX had me served in XX/XX/XXXX for an amount they say I still owe them. I have been in constant contact with the attorney AMEX hired to serve me, with no resolution as of today, XX/XX/XXXX. All I'm told is they are waiting to hear back from their client, AMEX. I have no idea what the issue is at this point. I have provided proof to the attorney and AMEX. It is still showing as a delinquent/derogatory account on my credit report and I want this corrected ASAP.
Consumer complaint received 2024-10-25
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: Diverse Funding Associates LLC (GA)

I was attempting to buy a property and checked my credit report and realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report, it's a defamation to my character.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NM)

Tried to make several payments to my  XXXX /Comenity Bank credit card and every time I make a payment it is reverted back to my account. Also,  Comentiy bank continuously calls and harrasses me about a bill that should not exist and every time I get a " manager '' everything is back to being ok. These people h ave asked for my representing lawyer to give them a call. When asked why they want an attorney to call, they state because they want to know if you are going through bankruptcy. I want my complete account gone from Comenity for these comments and harassment or I have an attorney call with a lawsuit!! Also, on my credit report it shows perfect payments bes ides 3 pay ments and then perfect payments again, yet I have never been late on my payment, it is a failure of them actually accepting the payment
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Account Balance : {$32000.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

I was looking at my recent credit report and I have some concerns regarding two charge-off accounts reported by Discover on my credit report. The reported information contains inaccuracies, which violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a comprehensive disclosure of Discovers documentation and procedures supporting the data provided to credit reporting agencies. 

Specifically, I am requesting the following : All Communication and Documentation Between Discover and the Credit Bureaus Provide all records of communication between Discover and the credit reporting agencies relating to my accounts and consumer report, including but not limited to : Emails, letters, reports, and electronic communications Any internal memos or other correspondence concerning my consumer report or disputed items. 
Comprehensive Documentation on Discovers FCRA Compliance Procedures I request all records detailing Discovers procedures for ensuring compliance with FCRA standards, including : Records of training sessions, including attendance logs, training content, and frequency of FCRA-related training Written policies, procedures, or guidelines outlining Discovers approach to ensuring accuracy in consumer reporting Reports or audit findings assessing Discovers adherence to FCRA standards. 
Complete Chain of Title for Both Accounts in Question I am requesting the complete chain of title for both accounts as maintained by Discover, including any account ownership transfers or changes since the accounts ' origination. This does not refer to billing statements but rather to all documents showing the history of account ownership and any transfers. 

Procedures for Resolving Consumer Disputes Related to Consumer Reporting Please provide documentation that outlines Discovers procedures for resolving consumer disputes or complaints, including : Any documents describing policies or steps Discover follows to handle consumer complaints or disputes specifically related to credit reporting accuracy. 
Original Note and Contract with Wet Signature Please provide the original promissory note or any equivalent loan agreement, signed by me with a wet signature, along with the full, unaltered original contract associated with each account in question. 

Under the FCRA, Discover is responsible for ensuring that it furnishes accurate information and that any information disputed by a consumer is verified appropriately. This request serves as an opportunity for Discover to fulfill these obligations by providing documentation that demonstrates compliance with FCRA standards and verifies the accuracy of information currently reported to the credit bureaus. 

Please send the requested documentation to my address listed above within 14 days of receipt I will have no choice but to file the attached arb demand with the American Arbitration Association respectfully.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year>, I made a {$100.00} payment via XXXX from my Wells Fargo account to a XXXX user named XXXX XXXX, who was selling a used car on XXXX XXXX. She requested the {$100.00} as a deposit to hold the car until I could see it in person and complete the purchase. After I sent the deposit, the seller disappeared from XXXX, and her profile became inaccessible. I quickly realized I was the victim of a service scam. 

On XX/XX/XXXX, I reported the incident to Wells Fargo and requested a dispute on the fraudulent transaction. Despite my providing full details, Wells Fargo denied my fraud claim without an option to appeal. I have screenshots of the conversation documenting the sellers intent to defraud me and proof of payment. 

I am filing this complaint with the hope that Wells Fargo will revisit their decision, as this was a clear case of fraud. I would appreciate the Consumer Financial Protection Bureaus assistance in ensuring that Wells Fargo handles this claim fairly and considers the evidence I have available. 

Thank you for your attention.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my XXXX and TransUnion is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts
Consumer complaint received 2024-07-14
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. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I am a XXXX XXXX XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

MACYS/CBNA is inaccurately reporting the balance on this account, which does not reflect my actual payment history and current balance, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, creditors and credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file ( 15 U.S.C. 1681e ( b ) ). Additionally, if a consumer disputes an item, furnishers of information are required to investigate and correct any inaccuracies, generally within 30 days ( 15 U.S.C. 1681i ). This misinformation has caused undue harm to my creditworthiness, as it incorrectly displays both late payments and an outstanding balance on a closed account. I am requesting the immediate removal of these inaccuracies from my report, including the elimination of any reported late payments and balance owed. Alternatively, I request the removal of the MACYS/CBNA account altogether from my credit file to resolve this issue promptly.
Consumer complaint received 2023-07-11
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. (NJ)

Ive reached out to Transunion several times regarding ( 3 ) collections on my report : XXXX XXXX, XXXX, and XXXX XXXX XXXX I disputed these item several times. Today, I spoke with the agent at Transunion and asked them to provide the information that they are using to verify that these are accurate and belong to me. The agent stated that they dont have that info and they only go by what the businesses are telling them. Thats insane! These companies are not providing proper documentation and the consumer ( me ) can not get a copy of the documents to verify that they belong to me. Ive contacted the companies directly and they havent responded. I need Transunion to get the proper documentation from these businesses and provide copies to me. My identity was stolen some years ago and I believe these are a result of that. I need to know what they are using to verify its me. I am so frustrated bc Transunion has become so laid back when it comes to their consumers credit. It is affecting mine greatly!
Consumer complaint received 2023-06-07
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. (MO)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the XXXX XXXX legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the XXXX XXXX investigation and the actions the Credit Bureaus have taken to rectify this situation.