davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to file a formal complaint against Truist regarding their unauthorized maintenance fees charged to my account despite assurances that I would be exempt from such charges, since I was being ported to a another account type that does not have these fees. 

On numerous occasions, Truist has levied a maintenance fee of {$12.00} against my account, despite consistently maintaining a sufficient balance in my savings account to waive these fees. My combined savings and checking balance was significantly in excess of the {$1500.00} they claim I needed to maintain, again, despite being told that my new account type does not carry these restrictions. Despite repeated attempts to rectify this issue, the problem persists, causing undue financial strain and frustration. This blatant disregard for their own commitments is both unacceptable and unethical. 

Moreover, Truist agreed to refund XXXX late fees erroneously charged to my account. While they have refunded XXXX of the fees as promised, the second refund is yet to be issued. Surprisingly, their customer service rep stated that she could not see XXXX maintenance fee charges on my account, when in reality, there were XXXX. Despite assurances that they would promptly investigate and rectify the situation, I have not received any updates or communication regarding the status of this refund. When I contact Truist, I am told that they will have a " supervisor '' look into it and that is that. 

This ongoing pattern of incompetence and negligence on the part of Truist has not only resulted in unwarranted financial losses but has also eroded my trust and confidence in their ability to manage my accounts effectively and responsibly. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Truist is held accountable for their actions. I seek a full refund of all unauthorized maintenance fees charged to my account, as well as immediate resolution regarding the outstanding late fee refund. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely,
Consumer complaint received 2023-11-20
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)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX account closed with a total of {$4300.00} XXXX - XX/XX/29 I have called for the return of my money and continually get the runaround As of XX/XX/29 money has not been returned Company has not given a time or actions needed for the return if ny money
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to submit a formal complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX AND TRANSUNION has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX AND TRANSUNION has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC. (CA)

I was trying to open and account, had some questions. I called and spoke to a male operator who did not know the answers, I asked for a supervisor when he hung up the call on me. 

I called again, and this time I got a supervisor on the line, but the supervisor did not know the answers and started giving me misleading responses. 

I called a third time and got another supervisor on the call. I asked her to get the bank 's executive office to contact me, she said she will escalate this to the executive office and they will reach out to me within two business days. I never heard back from the executive office.

It appears that starting from the phone operators up to the executive office all people at Ally are XXXX XXXX XXXX.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The student loans found on my credit report for all three major reporting agencies show a balance due. All of my student loans are currently at a XXXX balance as of XXXX this year, verified through the FSA website.
Consumer complaint received 2023-11-20
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. (MO)

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (OR)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-18
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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: EQUIFAX, INC. (TX)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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: JPMORGAN CHASE & CO. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-11-20
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. (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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-24
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. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope the disputed account is updated. 
Please validate the listed account : CHILD SPRT XXXX Balance Owed : {$30000.00}
Consumer complaint received 2023-05-01
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. (GA)

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 items 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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (OH)

There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the XXXX  below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Experian Information Solutions Inc. (TN)

I believe that this decision is unjust and not reflective of my true creditworthiness. I believe that arbitration will provide a fair and unbiased platform to address my concerns and seek a resolution. I am exercising my right to request arbitration to resolve this matter fairly and impartially.
Consumer complaint received 2023-11-20
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. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture from XXXX XXXX  1 year ago with a promotional rate if card was paid in 1 year My card went from XXXX to well over XXXX when the year was over I never received a notification or printed statement from synchrony bank. I called synchrony and was told that in XXXX I signed for paperless statements ( I explained that I signed up for synchrony last year In XXXX with XXXX  XXXX  and never signed that I want electronic statements. The special interest just expired in XXXX when I saw my XXXX XXXX notification of change in the amount I owe. 

I called synchrony 4 times and they wouldnt help me if I paid in full and refused to give me a complaint email all 4 calls. Its a terrible scram and sham that is happening. 

They told me it was my responsibility to watch my card. I asked to open a complaint and they took information but were very rude to me.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CO)

On XX/XX/2024, I settled with Discover Credit Card for over {$760.00} to pay my charge off. They reported my account last week to all 3 consumer bureau reports as charged off and delinquent with a balance of {$1000.00} owed.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Thank you for taking the time to read this. Since   XXXX   I have had a Best Buy credit   XXXX   that was backed by Citibank to make a few large purchases that I did not have the cash to spend on at the time. I realized last month that I was being charged for a debt protection program. I called to inquire about it and they told me that I signed up for it when I opened the credit card. I definitely DID NOT authorize these charges. Over the course of the years I was charged over {$700.00}! I canceled the program and asked fora complete refund as I did not authorize these charges. I was sent a letter stating that I was not owed a refund and told that the only way to communicate with that department was through mail. There are no phone numbers. Be aware!
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (PA)

I am writing for the record that FIRSTSOURCE ADVANTAGE LLC is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including FIRSTSOURCE ADVANTAGE LLC, and has decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).