davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

My experience with Suntrust banking in the last month has been a nightmare. I am a family doctor who has wasted maybe 10 hours of my time that could be used much more productively to counteract borderline criminal business practices of XXXX   banking. I've had Suntrust for XXXX years for a mortgage. To get a better rate I had to open up a checking account with suntrust. At the new year my mortgage was increased by XXXX dollars. Unfortunately I didn't update my automatic withdrawal setting to reflect the XXXX dollar increase so instead of notifying me they charged me a XXXX dollar fee and a week later charged me another fee. I was not notified until I got a letter in the mail weeks later and that day I resolved it and had to go to the branch and talk to dozens of people to get it resolved on just a XXXX dollar over draft that would have costed me XXXX and potentially more. Potentially more because once I settled the XXXX dollar fee. mortgage has yet to communicate with checking so checking still thinks my account is overdrawn. So I have to waste time out of my day to make sure they communicate with each other. Their strategy in business is to exhaust the customer by separating each division where one division can not contact the other division. Whenever I call banking it's mortgages issues and vice-e-versa. Today it was when i called banking it was an online banking issue. Next issues is today I noticed ANOTHER TWO SEPARATE XXXX dollar fees. Checking is saying that I did not have enough money to cover the mortgage so there is a return fee. The mortgage takes the fee of the XX/XX/XXXXof each month. I set up automatic payments for the XX/XX/XXXX of the month. It says the transaction processed. My other bank sent the funds on the XXXX. For some reason suntrust did not process until the XX/XX/XXXX. So I now get charged XXXX fee 's on the XX/XX/XXXX and the XX/XX/XXXX for them not processing in time. I spent an hour talking to them but they said they can't refund the fee because they did it last month. Just so you know a little about me. I am a XXXX  with a credit of over XXXX. I take pride in paying my debts but will not accept extortion. 

I have some screen shots of the incident to better explain the situation : Including the scheduled automatic payments that was processed on the XX/XX/XXXX, my statement from my other bank saying the funds were taken from my account on the first of XX/XX/XXXX, and my checking statement of back to back fees without notifying me until the second fee. This is simply unethical and not right of suntrust. They should refund my money and investigated for further unfair fees to other customer. 

Thank you for your time.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Good morning, XXXX XXXX XXXX, I'm declining this response. I'm not sure if you knew that the XXXX XXXX was signed into Law. For Creditor 's to work with consumers with payments and ETC. the thing is you wasn't in my shoes during the XXXX disaster. How can you apologize and say what you said in your letter. As human being we all make mistakes nobody 's is perfect but I fill you are holding this account over my head purposely to prove a point, that's not how you do business or treat anyone of my race.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I took out a auto loan with Credit Acceptance Corporation in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. Credit Acceptance does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to file a lawsuit against transunion for Illegal practices, they hide all credit reports and scores behind a {$30.00} paywall, and Inaccurately processed numerous amounts of my credit reports.every score is accurate except for transunion, you dont have access to anything regarding your credit score or report unless you pay, they have been damaging and inaccurately been reporting my credit score and Ive had enough, if you cant help me in finding legal action I will find it myself and keep this conversation noted for my records, this is unacceptable my credit score is reported XXXX points lower then what I actually get to see which will always put me in a position of denials when I think my score it up to par. And I have no delequencies on my account!! I personally had enough of transunion shady activities. You guys need to do something. 

Also XXXX XXXX is supposed to be accurate, They need to explain why my score is XXXX there but when I got denied all of a sudden my score is XXXX on transunion end??? NO they have to pay for the inaccuracies. This effects my livelihood.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I got a XXXX Credit card from Comenity Capital Bank in XX/XX/year>. I applied at the store and they gave me a temporary cardboard XXXX. I never got the real one. I remember calling in XXXX and was promised they would send out a card. they never did. I called again today and was told that again they would send out another card. After 4 months of waiting you would think thery might want to be a little more customer friendly. 
I have XXXX confidence in my requests. I asked them to send it overnight. They refused. I am XXXX XXXX XXXX and am running out of time. This is a terrible way to treat an old person, any person. I think Comenity Capital Bank is a terrible, unreliable credit card bank. I am beyond upset.
Consumer complaint received 2024-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Musicians Friend XXXX XXXX  XXXX XXXX On XX/XX/XXXX I ordered a guitar and my Capital One card was charged for {$490.00} XX/XX/XXXX, see attached order. I called them, said the pickup selection switch was defective & they said they would send out a replacement to arrive by XXXX, which it did, see order date XX/XX/XXXX. I sent the original guitar back, see XXXX shipping ticket dated XX/XX/XXXX. 
I called Musicians Friend to tell them the pickup selection switch was defective on the replacement guitar. I sent back XX/XX/XXXX, see XXXX shipping ticket, they said they would need to charge me for the XXXX guitar pending receipt of the XXXX guitar, see charge card dated XX/XX/XXXX {$490.00}. 
I called Musicians Friend to tell them the pickup selection switch was defective on the XXXX guitar. I offered to keep it if they would discount it {$150.00} & I would buy the part & pay someone to fix it. Through a series of emails, attached, the customer service person, XXXX, said they would need to talk to someone to get approval. At some point I called a different customer service person with the same back & forth several times and no result. They said the credit for the initial {$490.00} had been approved and I needed to contact Capital One to see why it wasnt credited to my account yet. Capital One told me it could take some time. 
I eventually had a third customer service representation at Musicians Friend give me the {$150.00} ( posted {$160.00} including tax ) on XX/XX/XXXX. However, he said the {$490.00} credit was closed out, since he indicated he was new, it sounded like processed. On XX/XX/XXXX, Capital One told me it wasnt ultimately issued. 
I have one guitar in my possession, I have been issued a discount for it. I still need a credit for the original {$490.00} which shows on my charge statement XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (VI)

I have sent Kimball and St.John documents numerous times stating someone used my social security number and name to open a fraudulent account including a police report. I have never lived in American and do not know of any accounts yet Kimball and St.John refuse to honor my ID, the police report and letter that were sealed and notarized from Federal Trade Commission
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (ME)

XXXX XXXX  XXXX ( XXXX ) sold my credit card to Comenity Capital Bank sometime in XXXX. I was on auto pay with XXXX. Shortly before the sale to Comenity, XXXX made some errors with the amounts they ( XXXX ) took from my bank account. The result was an incorrect balance on my XXXX account. I forwarded the correct information, along with my bank statements to Comenity on XX/XX/XXXX. I never heard from Comenity. Recently i received a collection letter from XXXX XXXX XXXX.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a letter to XXXX, Transunion and XXXX on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for transunion XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX However they said that they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. this account has several inaccuracies and this account needs to be deleted right now
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (IL)

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. 

The letters are stated with items and issues. 

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (ME)

XXXX  XXXX XXXX ( XXXX ) sold my credit card to XXXX XXXX XXXX  sometime in XXXX. I was on auto pay with XXXX. Shortly before the sale to XXXX, XXXX made some errors with the amounts they ( XXXX  ) took from my bank account. The result was an incorrect balance on my CC account. I forwarded the correct information, along with my bank statements to XXXX on XX/XX/XXXX. I never heard from XXXX. Recently i received a collection letter from XXXX XXXX XXXX.
Consumer complaint received 2023-02-25
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. (TX)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Disputed for specific items inaccurately reporting on my credit report THREE times via mail sent certified mail. Each time, Experian stated, in writing they verified that these items are being reported correctly? I requested written information requesting the name of the representation who the company verified the accuracy of these accounts or how they verified them? I did not receive verification as I requested. After no response, I supplied documentation confirming the items on the credit report are inaccurate. As of today, XX/XX/XXXX, the inaccurate items remain on my credit report First dispute XX/XX/XXXX Second dispute XX/XX/XXXX XXXX dispute XX/XX/XXXX RESENT AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL Fourth dispute XX/XX/XXXX CALLED TO SPEAK TO AGENT IN THE DISPUTE DEPARTMENT.AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX & XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I have two complaints against XXXX XXXX XXXX XXXX, XXXX ) of Mortgage Advisors/Powered By Rp Funding. The first is that she misrepresented a document she had us sign that was actually a rate lock. We were 60 days from closing and made it clear to her that we did not want to lock the rate. When we inquired about the document via email on XX/XX/XXXX, she stated that it was " just for their records '' and not a rate lock. This, in fact, was a rate lock and because we had signed this misrepresented document, our rate XXXX XXXX of a percent higher than it would of been if we had not signed the document. She stated this was in order to " transfer the rate lock ''. 

The second and more pressing issue is they are refusing to transfer the rights of an appraisal to a new lender that I'VE PAID FOR. After they jerked us around and tried to increase the rate 1.5 % higher than everyone else, we switched lenders. XXXX XXXX is refusing our attempts to transfer the appraisal over to the new company and keeps differing to a manager, stating the manager has to be the one to do it. Both myself, my wife, our new loan officer, and real estate agent have requested this manager 's contact info the past three days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) via phone calls, emails, and text messages, since we've never heard from " this manager '', and XXXX is refusing to provide it. XXXX is now refusing our loan officers calls. This appears to be a petty attempt to get back at us for not closing the loan with them. RP Funding and XXXX XXXX have been an absolute nightmare to deal with. They've been purposefully confusing, uncooperative, and retaliatory during this whole process. I have another loan through RP Funding and they have now lost this customer for life.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

as of XX/XX/24 the OAG child support and office of attorney general is unlawfuly reporting to my credit report as if I made a credit transaction I have not they are reporting account numbers that include XXXX, XXXX, and XXXX on my credit report.
Consumer complaint received 2024-06-09
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account was charged off on the following date : Since
Consumer complaint received 2022-11-08
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. (MI)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX