davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

I contacted Suntrust, which is now truist back in XXXX about fraudulent activity involving XXXX purchases, I never made. My case ID was XXXX. I was later told my claim was denied and my account was closed shortly there after. They say one has nothing to do with the other, but its there bank and they can close an account at their discretion. Fine. However, I have been fighting for going on XXXX years with XXXX to retrieve my funds back. I filed an FTC report, XXXX report, etc. finally as of Friday, XX/XX/XXXX, of XXXX, an XXXX corporate office representative called me and expressed their remorse, they looked into everything and said, they would be more than happy to return my funds, however, they never received a chargeback request from Suntrust now truist. Thats right for 2 years I have been in the battlefield fighting to get my funds back from XXXX, and my bank at the time, NEVER even sent a chargeback request to XXXX on my behalf. Furthermore, the agent verified that the address the items were being sent to, was different than my address I gave. The agent said their was very little they could do, without receiving something from my bank at the time SUNTRUST ( XXXX ). I worked my butt off for my money and Suntrust did an independent investigation, and not once did they request anything from XXXX, or request a chargeback. The XXXX agent said they cant just issue any refunds because it has to come from the bank, and i definitely understand that. This entire time Suntrust had me thinking XXXX denied my chargeback. Ive spent XXXX years learning and understanding the banking system, just to figure out how to retrieve my hard earned funds.
Consumer complaint received 2023-11-25
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: TRUIST FINANCIAL CORPORATION (TX)

I have been billed twice and I am disputing the charge to XXXX XXXX. Truist credit card has done nothing. I circled charge on the Truist statement.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (FL)

Experian, XXXX XXXX did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with Experian and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated XXXX XXXX sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXXXXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.
Consumer complaint received 2023-09-06
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. (TX)

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 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX XXXX.. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
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 an account without my written instructions... 
15 u.s.c. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
UPGRADE INC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, anxiety, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-10-08
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. (NJ)

In according to the fair credit reporting act. XXXX  account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

I filed a complaint with the CFPB in XXXX, the company responded to the complaint saying they would take specific actions they did not take. 

The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. This is not what occurred with ProCollect in XXXX, or today in XXXX. 

Please review my initial complaint. The company sent me a letter, I contacted them directly to dispute the debt, as I had no knowledge of the debt whatsoever. I filed a complaint with the CFPB and contacted the credit bureaus to dispute the charge. The charge was only placed on XXXX and XXXX removed the negative information from my credit report as required by law. 

Years later, ProCollect added the debt to my XXXX and XXXX credit reports and earlier this month reported the debt to XXXX. I have disputed the charge with all three credit bureaus.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I believe I maybe eligible for the lawsuit with Wells Fargo. I was an account holder multiple times in different years all ranging from XXXX I was treated unfairly by them and was charged excessive overdraft fees and was told it's all in the contract I signed when I opened the account. I was even charged maintenance fees for a FREE account!
Consumer complaint received 2023-11-25
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: JPMORGAN CHASE & CO. (CA)

On XXXXXXXX  my credit card was used to make a reservation on XXXX for the amount of {$2400.00} {$2400.00} I called XXXX and the hotel the booking was made at numerous times to get them to reverse the charge. 

XXXX stated there was a no refund policy and that I would have to call the hotel. 

I called the hotel they said they would reverse the charge all I needed to do was send an email stating the amount and date this happened and they would reverse the charge. After several days nothing was reversed I then called the hotel again they asked I resend the email which I did. 

Finally the hotel responded saying I should just file a claim through my credit card to have it reversed and they would not give XXXX the permission to reverse the charge. 

I filed a claim through my credit card. And called them to ask if they needed any more information from me. They stated they did not and that I should just wait until the investigate the matter. 

Just to cover my basis I called XXXX once again and the hotel to make sure that the booking would be canceled and not used and to reiterate that this was fraud. 

The booking was not made under my name nor under my account so the hotel said they wont help me. They stated in an email that I could be the one who stole the credit card so I should just communicate with my credit card company to resolve the matter. 

After a couple months Chase informed me they find the charge valid and I am now responsible for this charge on my card. 

No information was asked from me to prove my claims they simply decided a charge not under my name was valid.
Consumer complaint received 2023-05-06
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

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 an 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 2023-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: SandP Solutions, Inc. (CA)

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.bitcoin.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX to XXXX with the help of the scammer. I transferred my virtual money from bitcoin.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.bitcoin.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.bitcoin.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this!
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (TX)

Please see the attached AUD form and response letter from XXXXXXXX XXXX and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

On XXXX XX/XX/XXXX- I applied for an American Express XXXX Credit Card which had a Promotional Offer of 0 % APR interest for 15 months for a balance transfers and XXXX  % APR interest for new purchases for the first 15 months of opening the account. The Balance Transfer fee was XXXX  %. 

American Express made me read the Terms and Conditions of the card and I printed them out at XXXX PM ( See Attachment XXXX ). At XXXX PM, I received an email that I was approved for the card ( See Attachment 2 ). 

I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged were {$120.00} and {$30.00} dollars, respectively. ( See Attachment 3 ). 

When I received my statement today XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$64.00} Interest and and additional {$1.00} Interest Charge on Promotional Balances, which is an additional interest charge on the Balance Transfer. ( See Attachment 4 ) I was supposed to get XXXX months, XXXX  % Interest on this card for my Balance Transfer. I called American Express and told them I printed the Terms and Conditions at the time of application. The representatives bounced me around to different representatives and would not help me. I told them I was filing a CFPB complaint for not complying with the conditions they promised me.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (TX)

I had a mobile phone account with XXXX  until XXXX of 2023. That month I switched to XXXX ( attached bill ). 

However XXXX continued to debit my XXXX XXXX XXXX XXXX after the service was switched to XXXX. My credit card was charged for another 12 months until I discovered the charges from XXXX. 

At that time I contacted XXXX for a refund, the person on the phone stated that there was nothing they could do. 

I contacted my credit card company and disputed the charges, and some of them were removed from my card during the investigation. I later got a letter from XXXX XXXX saying too much time had elapsed since the charges were made by XXXX. 

XXXX owes me {$1400.00} in overpayments charged to my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I received a push notification on my phone saying that my Apple Card ( Goldman Sachs ) had been closed. When I connected with customer support, they said they had no information but that an email about the closure had been sent. The email cited violation of customer agreement, however after reviewing the customer agreement, I had no indication of what violation I had made - the card had never been used for illicit activity, gambling, or fraudulent activities, and I had always made my payments on time and in full each month since opening the card. The customer support agent said he'd open a case, and that it could take up to XXXX business days to resolve. 

Additionally, the high yield savings account I had opened via the Apple Card was locked, and I am unable to withdraw or transfer the funds. I connected with customer support again on XX/XX/XXXX, who was unable to provide any information outside of " the account is being closed. '' I was given the option to receive a check, or have them open a case to enable me access to the account for the purposes of transferring the money. I opted for the latter, because I was scared of the check getting lost in the mail. 

No one at XXXX - Goldman Sachs has been able to provide me with the cause of closure of my Apple Card or the restriction of my savings account.