davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a checking and savings account with SunTrust Bank ( now Truist, but all online banking done under the SunTrust name ). 

On XX/XX/XXXX, I logged in to my SunTrust application on my phone to review my checking account. I noticed a {$300.00} transfer on that date via a XXXX payment to an individual with a name I did not recognize. I have never used XXXX for payments before, and I never authorized the XXXX payment tool access to my account, it seems SunTrust has integrated it into their online banking but I've never used it. This {$300.00} transaction was the first XXXX transfer from my Checking account. 

I immediately reviewed my savings account as well and noticed over {$4000.00} in XXXX transactions that I had not authorized dating back to XX/XX/XXXX, in amounts varying from {$50.00} up to {$300.00}. I immediately called SunTrust and reported the account takeover as a fraud claim on XX/XX/XXXX. They opened 2 claims, one for my checking account, and one for my savings account, and recommended that I change my online banking user ID and password. I was told I would hear back within 10 business days with a determination on my fraud claim.

I waited 11 business days and called again, and at that time was told that my claims had both been denied due to " inconsistent information ''. I've since reviewed their guidelines on fraud reporting and have confirmed I reported the claims timely ( 54 business days after the first savings account statement showing the fraud was sent to me, inside their 60 day rule ), and therefore I have no idea why the claims would have been denied. I was told on the phone it appeared my user ID was compromised, I could see in my account that my email address on file had been changed by someone else to an email I did not recognize, and this had been used to authorize the XXXX transactions. 

I was also told on the phone that I would receive a letter with the determination and rebuttal options within 2 business days in the mail. This call was on XX/XX/XXXX, and to date I have not received any documentation from SunTrust. I went to a branch location on XX/XX/XXXX, and was told by a rep that they have seen many instances of similar fraud using the XXXX app across many of their client 's accounts, and that they would email me the rebuttal documentation I'd need to get the claims re-reviewed within 24 hours, but to date on XX/XX/XXXX I have still not received anything from SunTrust regarding these claims and their denial, with no information on the investigation process or how to have it re-reviewed. 

It is quite clear that this was a classic account takeover, and per federal guidelines SunTrust should be obligated to reimburse me for the stolen money, but they've failed to do so and have failed to even provide me with any documentation regarding these claims at all.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

In the past I have been a victim of identity theft, and recently my credit alerts have been warning me of another derogatory item ( AARGON AGENCY INC ) ( Account Number XXXX ) which has now appeared on my credit reports. Balance of {$1400.00} I have no acknowledgement of this fraudulent account.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

I did a balance transfer to my card. They report the date of last payment to XXXX as XX/XX/24 when I got my XXXX report. The XXXX confirmation # is : XXXX However I have made payments in excess of {$3000.00} since that date. See below : Auto pay to XXXX XX/XX/24 {$500.00} XX/XX/24 {$4.00} XX/XX/24 {$11.00} XX/XX/24 {$40.00} XX/XX/24 {$250.00} XX/XX/24 {$510.00} XX/XX/24 {$500.00} XX/XX/24 {$300.00} XX/XX/24 {$500.00} XX/XX/24 {$490.00} {$3100.00} Additionally they are not reporting any of these payments.
Consumer complaint received 2022-10-14
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: SYNCHRONY FINANCIAL (NC)

I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (LA)

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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Id Type : Drivers License ID Number : XXXX Address : XXXX XXXX L XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I sent a XXXX dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a XXXX  dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2022-04-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : XXXX -XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (SC)

On XX/XX/year>, I received a letter from Shellpoint Mortgage who services my mortgage loan. The letter states they are returning a check to me because it was not endorsed on the back. It also states that it was an attempt to collect a debt and any information obtained will be used for that purpose. The problem is that the check did not belong to me. The check was made out to and addressed to a law firm XXXX XXXX XXXX and XXXX. Upon receiving the letter I called the contact number on the check XXXX and spoke to XXXX XXXX who is a representative for The XXXX XXXX XXXX. XXXX XXXX advised me that I shouldn't be talking to him and that this never happens. He asked me to return the check. Since I didn't know anything about a claim and was listed as the Claimant, I suspected fraud. After piecing the facts together I realized this had something to do with a lawsuit and nothing to do with my mortgage. The check must have been delivered to my mortgage company in error. Shortly after I talked to XXXX XXXX, I received an email from my attorney that XXXX, XXXX and XXXX  wanted me to return their check to them. So after their account number, routing number, and my full name was exposed and used in a way that in my opinion violated my privacy rights they reached out to my attorney in an attempt also in my opinion to cover up the incident. I feel like the incident should have been reported to law enforcement. I believe that Shellpoint was guilty of mail tampering and also accessed my personal data for an unauthorized use. And since nobody reported the incident, Shellpoint has no idea they did anything wrong. I'm mostly upset about how the incident was handled after the data breach was known to the Travelers. They take no responsibility even though I was given no privacy options and knew nothing about the claim.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

As I testified at the recent XXXX hearing, I wanted to get a credit card with airline miles with more destinations than the one I had. I read the reviews, weeded out paid for advertising, compared rates, and read all the online disclosures. I even called customer service to be sure I understood some vague terms. With that, I opted for the Chase XXXX card. It was offering bonus points if I spent a certain amount in the first two months. I did all of that. I tried to book a trip to XXXX and later to XXXX XXXX. I started off on the domestic XXXX site, put in my trip, clicked on the use points option, and was rerouted to the XXXX website to complete my booking. For the first time ever, I saw that there was a fee to book the XXXX XXXX flight to XXXX. It was + {$450.00} CA. To see how much I was saving, I went to XXXX to see how much airfare would cost outright. I found the same United flight-same day, airport, and time-for {$420.00}. It was cheaper not to use my points. The same happened when I tried to book my flight to XXXX XXXX. I called Chase, which transferred me to XXXX. When I asked why the website transferred me from US to XXXX, he replied " we're a XXXX company, what do you expect? '' When I pointed out for purchase I would stay on the US site, he repeated that statement. I asked him to explain why I was transferred if that would cause a fee. He said " I could explain it to you, if you want. Do you want me to explain it to you? '' I asked him to explain since that was the point of my call. With a deep sigh for his troubles as a call center employee, he explained in essence that since I was " buying '' the airfare with points, I had to be transferred to the XXXX website for the transaction, and while there, I had to pay a foreign transaction fee. I don't have historical conversion figures, but does {$420.00} US convert to {$450.00} CA on or about XX/XX/2024? These points and rewards offered by Chase and XXXX are completely illusory. I spent the money required for points that I will never use as it will always cost more than buying the tickets outright.
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have a Synchrony Bank card for Lowes. My credit limit is only {$1000.00}. I have no interest for 12 months. I have had the card less than 12 months and made XXXX payments. Latest payment was XX/XX/24 in the amount of {$84.00}. The paper mailed bill has the pay before date of XX/XX/24. When I requested why my account was closed but the bank is still calling daily and leaving voicemails for me to call and become current. I. am current! I have no intention of paying the remaining balance until more information is provided or lawyers become involved. I am at a lose on how a bank can cancel a store card when their own due date was met with the minimum payment but decided to close the account with no explanation and still harassing the account owner daily for additional payment. 
Remaining balance {$690.00}. 

If there is some assistance for the following to ensure the bank did not act unlawfully at the discretion of personnel regardless of financial laws Account #
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NV)

I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Managed Recovery Systems, Inc. (NC)

I disputed this company 5 times on my XXXX, XXXX  and XXXX credit report since XX/XX/XXXX and XXXX once again put it on my report. Even after they have deleted twice. Now it's back on my report again but now it says I opened the account on XX/XX/XXXX. The companies name is Managed Recovery of XXXX, S.C. I ; ve never dealt with this company nor have I any knowledge of them.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX XXXX XXXX account number XXXX -DEPTEDXXXX XXXX account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX  account number XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MS)

I have send in my full payment for payoff and havent seen anything or heard anything on the payoff. I sent in two certified letters with payment, affidavit, and a copyright notice. The company havent update my account or sent me the vehicle title.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 a account without my written instructions
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 a account without my written instructions
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

I applied for a job with XXXX. When I received a copy of my background check, a charge from last year ( XXXX XXXX ) that was thrown out / dismissed is showing on the report as if its ongoing which now eliminates me from being offered the job.
Consumer complaint received 2016-01-27
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (TN)

I attempted to use XXXX Gift Cards : ( XXXX ) XXXX ( 2 ) XXXX XXXX 3 XXXX XXXX valued at {$500.00}, {$500.00}, and {$42.00} remaining from a {$200.00} gift card at a XXXX on XXXX XXXX, 2016 ( Ref # 's XXXX ). All XXXX rang up as unauthorized. I was told it was a glitch in the system and that the money should have still been left on the cards. I then called the number on the back of the card and was told that the cards had been charged by XXXX when in reality they all XXXX came up as unauthorized and not used. I was told to fill out a form and wait XXXX to 90 days. I ca n't wait XXXX to 90 days to have {$1000.00} be placed back on the cards. This was not my fault and I would like immediate action in having this cards replaced or the money being placed back on them. These cards are backed by XXXX and distributed by Gift Card Mall/Blackhawk Network California