davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (GA)

I signed up for a Best Buy credit card ( probably ) 5 years ago. The bank no longer possesses records before XX/XX/XXXX so I have no official way of knowing. At the time I signed up for this credit card, there was never any mention of a debt protection service, nor was I ever charged a monthly fee for my first few purchases. When I purchased a new refrigerator in XX/XX/XXXX, it appears that somehow this service has been added to my account and I was never notified. Due to consistently utilizing an automatic payment system through Best Buys website ( which estimates how much I need to pay monthly in order to pay off my purchase within the 0 % interest time frame ), I never noticed the monthly additional charges of this unwanted service until now. I have requested my oldest statement be delivered to me ( from XX/XX/XXXX ) so that I can attempt to add up the total value of this fraudulent service 's charges. For XX/XX/XXXX the total amount I was charged was {$320.00} and so far for XX/XX/XXXX I have been charged {$190.00}. I assume that I was also charged XXXX {$100.00} for the 3 months of my purchase in XX/XX/XXXX. I contacted them at XXXX regarding being signed up for a service I never requested nor never have previously. I was informed over the phone that the service is now cancelled and that I would be mailed some information within the next 2 weeks regarding a potential refund. 

I have browsed numerous results on XXXX for the exact same issues, but most of the issues dated back to when XXXX was in control of the account. I also discovered that the debt protection service was discontinued with the cards roughly 1-2 years ago. I am very upset that somehow after the service was discontinued ( after the class action lawsuit, which I was completely unaware of ) that it was somehow set up for my account. Also, I have noticed that the amount I am charged each month for the debt protection service, that I did not sign up for, has increased steadily over the duration of my 0 % interest purchase. The oldest statement I have access to through their web service ( XX/XX/XXXX ) shows the monthly charge for the debt protection service as {$27.00} and the charge for the debt protection service on XX/XX/XXXX is {$34.00}. 

Due to this entire situation, I am at least behind {$520.00} due to fraudulent activity by my lender ( ) and am very upset that I did not catch this much sooner.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 and XX/XX/2022 Truist charged my account {$36.00} in overdraft fees. I contacted Truist to file a complaint, XX/XX/2022 @ XXXX ( EST ), and was told that a manger would be in-touch with me with in a few hours. I was also told that someone from another department would be in contact with me within 48 hours. Neither has happened. Truist banking system will show a postive balance and during the course of the day the positive balance would change to negative balance, causing accounts to be charged overdraft fees. Truist transition has cost consumer many over draft fees, among other issues, part of the reason for the " CLASS ACTION LAWSUIT ' against the institution. I was told my debt cards were mailed XX/XX/2022, and did not receive them until XXXX after having to go and reorder several times. Doing that time my business account was charged overdraft fees. This transition has made consumers suffer, while Truist is pocketing money in varies fees. My contact information. XXXX XXXX, XXXX or XXXX.
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

The weekend of XX/XX/2022 someone went and got a vehicle in my name. The loan they got was thru Toyota Motor Credit. Upon checking my credit a week later I notices a ton of inquiries on my report and a loan from Toyota Motor Credit in the amount of {$39000.00} the account number is XXXX... This is not mine I did not purchases a car, I have been fighting with toyato over this for months now. I file a police report and sent it to Toyota .I have spoke with several people at Toyota and each time it a different outcome.In XXXX I spoke with them and they said that the investigation was in process and that they sent a request to the credit bureaus to be remove. Monday XX/XX/2022 I call toyota again after seeing that it is still appearing on my credit report. When I talk to them they told that they cant prove if it mine or if it was fraud,, This is total XXXX. Now there is XXXX late payments on my credit that is effecting my score. I have sent in everything proving this wasnt me and all the calls to them and im getting no where with them.. I need your help in resolving this matter. I should not have to go thru all this just because I was a victim of identity theft.
Consumer complaint received 2022-05-30
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: Army and Air Force Exchange Service (AP)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (PA)

Why hasn't First Advantage contacted XXXX yet to report to them that it's fine to allow me to reapply for the CSR, work @ home positions. I was told that they are waiting for me to do some thing, but I was never told what ... In fact, I have gotten emails requesting me to complete surveys about how they handle the investigation after they closed the case out with you. So, how is it that I needed to do anything. It was never requested. It see, s like they are trying to delay or stop me from being able to reapply for these positions. This is happen right after my XXXX pass the required inspections for the position ... This is all.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (GA)

Since XXXX I've sent Frost Arnett four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want this account, XXXX deleted!
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Discover Bank, Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Consumer complaint received 2022-12-18
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: Designed Receivable Solutions, Inc. (CA)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (FL)

On XX/XX/2022 Amount of {$4900.00} I sent this company a Debt Validation/Cease and Desist letter requesting this alleged debt be validated and to stop all communication until this information is provided. As of today 's date, XX/XX/2022 you have failed to prove that this alleged debt belongs to me, and you never responded to my letter request. You have violated my consumer rights under the FDCPA 15USC 1692 ( g ) b. Validation of debt. I also stated that you cease and desist communication but not limited to any collection attempts and or reporting of this account to any consumer reporting agencies. 15 USC 1692c ( c ) Ceasing communication. You have also violated my rights on a state level because you are not registered in the State of Florida to collect on an alleged Debt. You are in violation of the FCCPA. No person shall engage in business in this State of ( Florida ) as a consumer collection agency without first registering in accordance with this part [ Sections 559.553 and 559.555 ]. This law firm and another debt collection agency trying to collect on the same account at the same time
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Consumer complaint received 2022-12-18
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. (FL)

TransUnion, XXXX, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Consumer complaint received 2023-04-19
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. (NY)

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
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. (PA)

THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT XXXX
Consumer complaint received 2022-06-20
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. (TX)

I am a consumer/natural living breathing person attempting to correct inaccuracies on my consumer report. I am aware that my rights are being violated as my privacy has been breached as these accounts should be excluded according to the Fair Credit Reporting Act because the accounts contain transactions and experiences. I have recently made a report to Experian to correct these inaccuracies, in regards to the accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX and received correspondence from Experian which states that after the investigation the accounts are accurate, and as I am not content with the results, I now require a copy of the investigation that took place which proves why these accounts are in fact accurate.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX failed to report accurate information to the XXXX major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. XXXX XXXX offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting XXXX XXXX to remove all derogatory marks from my credit report
Consumer complaint received 2023-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I will be suing all 3 credit bureaus for false placing medical records on my credit report for years that do not belong to me. I have filed many disputes over the last two years. First and foremost I have full medical insurance so my company is always billed. Second I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I have not authorized any companys to share my medical information under the HIPPA laws this is a violation. Third. None of the medial bills listed belongs to me and Ive reached out to the hospitals as well documented and recorded everything this is becoming an harassment to my life financially and I will see them in court for falsely placing medical bills on my credit report.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.