davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I went in with my XXXX  to the Truist Bank Branch at XXXX XXXX XXXX XXXX, FL XXXX to remove my XXXX  from a secondary account holder and add her as beneficiary. We were both there to sign the necessary papers. XXXX XXXX the service representative, told us that we couldn't modify the existing checking account. 
She said we either close that checking account and open another with me as the account holder and my daughter as beneficiary or we could leave the bank and close the account. I was forced to open another checking account and my XXXX  was listed as beneficiary. Then she said she couldn't give me in writing that my daughter is a beneficiary. She said that information is internal. This has been the worst experience of my life. 

I have a very old checking account that has many benefits that I am not willing to loose. I left the old checking account with {$100.00}. The new checking account I was forced to open I withdrew the funds and only left {$6000.00}. I am not very happy with this bank. This bank needs to give their customers a copy of the signature card were the beneficiary is listed. That information is not internal. The customer needs that information for their records. Also, I didn't want a new checking account. I wanted to modify my existing old checking account and list my daughter as beneficiary. I have gone to many other banks to inquire about this and none of them treat their customers like this. I'm XXXX XXXX XXXX shame on you Truist Bank. This is elderly abuse. 

XX/XX/XXXX XXXX XXXX filed a complaint on my behalf with Truist and the way they do business. I put another complaint with the supervisor about XXXX XXXX the service representative. XXXX XXXX is very rude and shouldn't be dealing with the public. She needs listening skills. 

XX/XX/XXXX I went to XXXX XXXX the supervisor at the same Truist branch for help on my old account she sent an email so my daughter could be removed as secondary account holder and listed as beneficiary. I also requested a copy of the signature card. 

XX/XX/XXXX Truist answered her email and refused to modify my old checking account. They gave XXXX XXXX the supervisor the permission to give me a copy of the signature card. How ridiculous, what I went thru to get a copy of the signature card. 

XX/XX/XXXX I received an email from Truist Bank so I can rate the service I received. 
I gave them the worst rating possible. Then I put my phone number so they can call me. From the first complain to this one I have yet to receive a phone call. 

Please help me. I'm XXXX XXXX XXXX. I've had this checking account for almost XXXX  years. I don't want a new checking account. I want to modify my existing checking account.
Consumer complaint received 2023-12-23
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 (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX XXXX XXXX XXXX XXXX I wrote transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

I contacted Citi bank originally in XX/XX/2018 to tell them to cancel my account when they lowered my credit limit over unrelated information. XXXX wouldn't give me the 30 days dispute I was allowed so I told her cancel send me my bill. I was never sent bill. I call back to tell them they sent the wrong amount with added fees and late charges that I am not due because they did not send me the bill as I asked when originally requested when closed. But they kept calling and calling all of XXXX and XXXX. I called two agents in XXXX and XXXX to resolve this. Finally today after I requested they cease and desist back in XXXX and the agent corrected the bill over the phone and placed me on do not call list I got another call today by Citi bank again and still never received the correct bill in mail as discussed. I am tired of being harassed. and Not being sent the corrected bill to let me pay by mail since my account is closed? We agreed that the amount was XXXX after deleting all the extra fees and additional lates addendums that they were adding plus percentages that they calculate. but I have been trying to get this bill corrected since XXXX!!! maybe before actually but I know I spoke with minimum 3 reps. and I won't speak to anymore.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

This was a business account under XXXX XXXX XXXX, and they attached the debt to my personal social security number. This has been presented to the company in question via phone conversations in XX/XX/2024, and again in XXXX of XXXX. This is affecting my life and making it hard to obtain credit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear AMERICAN EXPRESS , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account NumberXXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws.

If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-13
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I have been unable to set up bi-weekly payments. I had to supply the required documentation 6 times before they agreed that they were received and by then, I had to pay them another full payment before I could set up bi-weekly autopay. Every call to them is 30 minutes ( after hold time ) at minimum and never results in resolution. I feel that they want to keep me from making bi-weekly autopayments as it will save me interest over {$32000.00} over the course of the loan. This company seems less than reputable and I am sad my loan servicing was transferred to them.
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (FL)

I reside in XXXX XXXX had checking account established with US Bank XX/XX/XXXX via on line. Occasionally deposit money by check thru the mail service. Seen they were offering a pretty good cd rate so called an had banker transfer XXXX for 7 month CD.on XX/XX/XXXX with maturity date of XX/XX/XXXX. Called XX/XX/XXXX to see if rate would stay same and if not transfer to checking. Confirmation number XXXX. When I received new statement in mail seen CD had not been transferred to checking. That is when I first called XX/XX/XXXX and found out the CD was renewed at ,05 % I asked at that time for it to be transferred to checking on XXXX XXXX. Have made contact with them speaking to four different bankers and each time they refer to another department.My last contact was with banker XXXX on XXXX he said Supervisor XXXX would call and fix problem. Well one again no call and CD remains where it is with I having no access to it. 
Call dates again are XXXX XXXX. Direct Tel # yo XXXX XXXX ( sp ) XXXX XXXX XXXX have called and left message with no return calls Please help I'm XXXX XXXX and this is very troubling. 

Thanks In Advance Tel # XXXX cell XXXX
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Discover Bank Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies.

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it.

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within XXXX  days, as required by the GLBA
Consumer complaint received 2023-12-31
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

Best buy credit card from Citi bank, I used to pay $ XXXX withdrawn automatically. Their customer service failed to update my payment method after I provided to her, resulting in an accumulated large balance in my account of {$220.00} however for 2 months the amount due os {$60.00}. 
Also, when I purchased the product from Bestbuy, I was informed that this card had no interest, that was the offer during XXXX for XXXX, so how come they charged me extra charges? taking into consideration that I provided the card number to the customer service to attach it to my account and do auto payment as I used to make since I bought the laptop. 
I tried to talk to customer service of bestbuy citi bank with no result to resolve the problem. 
It is my right to remove the extra charges and interest incured as it is not my fault, and the deal was no interest for XXXX.
Consumer complaint received 2017-05-17
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. (FL)

I am a victim of identity theft. Someone opened an account with  XXXX   XXXX  using my information in  XXXX   XXXX  and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. The account number is "  XXXX  ''.     In  XXXX , I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. I want to add that this account is not even reporting on  XX/XX/XXXX  and   XXXX    anymore. They deleted it from my report so I do n't understand why Equifax is refusing to address my concern.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: MECHANICS BANK (CA)

I sent payments via mail to the addresses provided to me by Mechanics Bank. I sent a payment back on XX/XX/XXXX via Registered Mail. USPS confirmed it was delivered on XX/XX/XXXX to XXXX XXXX XXXX. 
My account was not properly credited to reflect the new balance and late payments were sent to the credit bureaus. In my correspondence with customer support, they claimed they never received the payment and would not take the tracking number I have as proof to investigate internally. 
I sent a payment in full to the address where payoffs are required to be sent on XXXX XXXX XXXX XXXX XXXX I sent on XX/XX/XXXX and USPS confirmed delivery on XX/XX/XXXX. I got a call from Mechanics Bank stating my account is XXXX  days past due and they've put in a notice of repossession. I told them that I sent a payment in full and she stated on the recorded call that they did not receive such a payment. They have locked my online account and told me that I can only pay over the phone moving forward. 
I've attached proof of receipts and delivery from USPS on the dates specified.
Consumer complaint received 2023-12-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have been a Bank of American Small Business Customer for 2 years going on. I have never received a monthly {$14.00} fee for my checking account with BofA until XX/XX/18 which caused my account to accrue 2 overdraft fees for {$35.00} each making my checking account in a negative status $ -XXXX. I was told by the representative who answered when I called to speak to a small business specialist that I could not have the fees removed, I told her that I can not afford to pay the overdraft fees and that I would hate to have to close my BofA account after 2 years as a customer over this, her reply was " you will have to close your account then '' I asked politely to speak to a Supervisor, the rep kept me on hold for close to 10 mins only when my husband said that she was having me hold purposely to agitate me is when the rep said she had a supervisor ready. The Supervisor got on the phone and said her name is XXXX located in Delaware. The Supervisor said that she could not remove the overdraft fees and did not seem to care if I closed my account with BofA. I explained to the Supervisor XXXX that I am experiencing a hardship and that I just found out my baby inside of me is not alive and does not have a heartbeat and that I will be having a procedure to remove the fetus, and addition to that my family and I just moved to a new location and we have had financial hardship as well as the emotional sad news about our unborn baby not being alive. After telling my whole hardship story to the Supervisor XXXX, she said she was sorry to hear that but that she still can not remove the overdraft fees. I am very distressed and dissapointed and I am asking that you will have Bank of America remove the 2 {$35.00} overdraft fees so that I do not fall into anymore debt. I appreciate all that the CFPB does and stands for. Thank You.