davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I was signed up for an overdraft protection and not told the details of this new feature on my account. I was told that if I had money on my savings then It would allow the transaction and take money out of my savings, if I didnt have money in my savings then it would reject the payment so I dont have to suffer another overdraft fee. I did this because Truist bank would overdraft my account constantly. I asked for this feature to be added and spoke to two reps who said they would add it to my account and did not, resulting in more overdrafts. I was finally able to add it once speaking to a supervisor who assured me that my transactions would be rejected if I didnt have money in my savings so I dont have to suffer another overdraft. They failed to mention that if this is a recurring payment I would still be over drafted and the payment would go through. I received another overdraft on XX/XX/23 and called because I was puzzled this happened, I spoke with a very rude supervisor named XXXX who did not want to hear me out and constantly spoke over me. I asked her to review the call with the previous supervisor and that he failed to mention that a recurring payment would go through and still overdraft my account, she promised that if this was the case once the call was reviewed I would get refunded. Well that was not the case, they did find that the previous supervisor failed to mention the recurring payments part and still they refused to refund the overdraft amount despite what XXXX promised. I spoke to a manager XXXX about what happened, which she then said that if upon listening to the conversation with XXXX if they find she did indeed make that promise, I would be refunded. XXXX, another rude, hostile manager who is committed to speaking over customers blatantly lied and said they found no such thing. This bank has been making promises, keeping me on the phone with them for hours, only to waste my time and be completely disrespectful and further tell lies to cover their own behind.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

XX/XX/24 I deposited {$2600.00} into my checking account at my keybank branch ATM at XXXX in the morning. An hour later without my knowledge they reversed the transaction. I found out when I went to go get fuel to get home and my card kept getting declined so I filed a dispute.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Account included in bankruptcy- the customer service rep stated they XXXX XXXX XXXX do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OK)

See attached CFPB MOHELA full Complaint in PDF format for details. Summary : My account balances on the MOHELA and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF forgiveness, but MOHELA has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed three rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for MOHELAs failure to appropriately report correct information.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX and on XXXX I was a victim of fraud on XXXX of my cards. My Chase atm, XXXX XXXX, and XXXX XXXX  benefit card were all charged different amounts ( {$150.00} of XXXX  benefits, XXXX, XXXX, XXXX chase debit ) at the same a XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone : XXXX @ XXXX XXXX, XXXX NY XXXX. My XXXX  and XXXX XXXX didn't give me any stress about returning what was stolen. The first XXXX {$20.00} Chase gave me a full refund some push back but I sent them my XXXX travel and it showed I no where near the store when the transactions were made. However the {$36.00} charge, Chase and XXXX XXXX XXXXXXXX XXXX XXXXXXXX  refuse to refund my money knowing I can prove I wasn't even in the state of NY at the time of the transaction. I sent them my travel and it clearly shows I'm in Maryland and I used my card at a gas station for snacks, and gas. I used my bank card throughout my time in the XXXX. But they still claim my chip was used which is impossible. Not to mention I have never been in that store before yesterday when they hung up on me. The bank told me to contact the store for a refund but when I called they hung up on me and wouldn't answer when I called back. I then went to the store in person only to be told he has had multiple cases and there was nothing he could do. Even though he showed me how many refunds he's had to give in the past month. I called the bank while i was in the store and they both told me there was nothing they could do. I so angry that I trusted JP Morgan Chase with my money and this is the thanks I get. I'm not sure what you can do for me but I'm reporting them both because I'm not the only XXXX this has happened to. Thank you for your consideration.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Multiple times prior I have sent in my FTC report and stated that accounts from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Are fraudulent sent my FTC reports and identified I knew my rights of 609 and 605b under the credit reporting act with only to be told these items were verified. My most recent dispute received by transunion that was started on XXXX first I stated under 611 of the FCRA I request the methods in which these item were which I did not receive. After I started sending my disputes I no longer have access to my online reports which has been going on for several months which I believe to be retaliatory because of my disputes. These accounts are fraudulent I have asked in a response previously on this platform how can I prove these items are fraudulent besides my FTC reports with no response. I have sent in my documents showing that these accounts are fraudulent. I requested the documents used to verify these fraudulent accounts with no response. Also to be noted XXXX & XXXX removed these accounts because of the determination of fraud.
Consumer complaint received 2024-06-02
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NV)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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: EQUIFAX, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

XXXX. XXXX XXXXXXXX XXXX XXXX  as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. XXXX XXXX XXXX XXXX sold the account to XXXX XXXX XXXX in which I did not give consent 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NV)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (LA)

I have received results regarding the inaccurate tradelines resting in my credit profile. Upon recent review of the updated details, the accounts that were initially disputed are still inaccurate. 

Each of the accounts has not been corrected. The creditors failed to update this agency with accurate details regarding each of the listed accounts. I want to highlight a significant point as I am disputing these accounts once more. 

Regardless of the answers submitted by each creditor for each account disputed, if they instruct this agency to dub the accounts as updated and verified and the root problem of the dispute has not been rectified, this company will be liable for statutory violations of the Fair Credit Reporting Act and heres why. 

Consumer reporting agencies are to consider ALL relevant information upon notice of dispute per 15 USC 1681i ( 4 ) Consideration of consumer information and any information regardless of who it comes from must be accurate and complete. 

Consumer reporting agencies have been in business for decades, so each agency factually understands its duties and obligations set forth by the Fair Credit Reporting Act. This includes ensuring maximum accuracy of each consumer report to whom it relates per 15 USC 1681e ( b ) Accuracy of report.

WHAT DOES THIS MEAN AND MY POINT?

If a consumer reporting agency notices any inaccurate information apart from the consumer and creditor, they are to ensure the accuracy of that information and are prohibited from taking sides with any furnisher of information per the Consumer Financial Protection Bureau ( CFPB ). 

If a creditor tells a consumer reporting agency that information being disputed is verified as accurate when it is factually inaccurate and that CRA has confirmed the accounts inaccuracies, not only is the furnisher that provided them the false information unreliable but the account itself is considered unverifiable.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2024-07-03
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. (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 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I received a wire transfer to my account back in XX/XX/year> and citizen back has had my funds on hold since then. They sent me a new card and said they took the hold off my account and I still have not been able to access my funds in the account but I am getting bank statements in the mail every month with Citizen bank taking {$12.00} Fee 's out every month but I don't have access to my funds but they do and will not reimburse me for all the fees they have taken out as well as not allow me to remove my money out of my account.