davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Fraudulent activity in account. This savings account is one where we kept dollars for our association and only earned interest. We never had any other activity in this account. On XX/XX/XXXX I viewed the account and saw suspicious activity on the account and I feel a SAR should have been filed and was not. I called Truist Bank and was given a Claim #. At that time I questioned why no one reached out to us and they said they did send a letter which we did not receive for over 10 days. We needed a phone call from them. I then emailed them on the same day with all the fraudulent activity account as follows which indicated all of our {$160000.00} was taken basically by the same fraudulent company. The dates are as follows : XX/XX/XXXX of {$19000.00}, XX/XX/XXXX of {$10000.00}, XX/XX/XXXX of {$49000.00}, XX/XX/XXXX of {$50000.00}, XX/XX/XXXX of {$27000.00}, and XX/XX/XXXX of {$4800.00}. Other amounts also were trying to be taken on XX/XX/XXXX, and XX/XX/XXXX, but of course there was no money in the account. Needless to say, Truist Bank charged us fees of {$36.00} for these. To date, we have been able to obtain some of these dollars but Truist is still not willing to put the XX/XX/XXXX dollars of {$27000.00} back in our account. I have called the fraud department and emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our President of our non-profit corporation also emailed a manager and got no where. He actually said to let this run its course. In addition, something very disturbing happened on XX/XX/XXXX when I talked to a representative from Truist who advised me that the reason they were not refunding the XX/XX/XXXX {$27000.00} was because where the dollars went ( XXXX XXXX ) said this fraudulent company had a contract with us. Of course, that contract has never been produced. The representative from Truist also told me to call XXXX XXXX directly. Of course I did this and talked to an individual who was very nice but said that is not a way a bank should advise their customers. Which I agreed with. The manager from the bank also talked about a timely matter which the XX/XX/XXXX {$4800.00} was recovered and not the XX/XX/XXXX {$27000.00}. All we want is our account to be made whole by Truist. And, of course, interest has not been credited appropriately either. Any docmentation you need, I have. Thank you for your help in resolving this matter and any further advise is appreciated.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I have had this Discover credit card since XXXX and have never made a late payment. I paid the card off the card XX/XX/XXXX I came into some money and paid off all my cards.I had some credit issues on or about XXXX but have not paid late on anything since. I'm disputing some 2 medical bills that should have been paid by my health insurance that I know about. I feel discriminated because I was never contacted by anyone to tell me what I should have done to avoid having this {$500.00} credit limit card closed. Please advise on this matter so that I understand why I was treated like this.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (MO)

I have already submitted a complaint to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following fraudulent items completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$4600.00} ; XXXX XXXXXXXX Balance Owed : {$130.00} ; 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 XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX 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 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 2021-11-22
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: Experian Information Solutions Inc. (FL)

An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My loan had gone in default. Select Portfolio Servicing, inc sent a letter to my home owners insurance company stating that my home is in default and foreclosure actions is being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete brake down of were my money went. What did how much was mortgage payments, late fees, and all other charges. 

My insurance company request proof the my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me proof when I requested. My insurance agent ( XXXX XXXX XXXX ) also called SPS to request the information and was also dined onXX/XX/XXXX. SPS attorney never sent me the info as well. If SPS would have given me a letter or to my insurance my policy would have not been canceled. They didn't send me the info for the insurance until after I filed the XXXX complaint. 

Now they are charging me {$510.00} for their policy fromXX/XX/XXXX to XX/XX/XXXX. My policy was canceled because they reuse to cooperate so they can make money. I lost my policy and now XXXX XXXX XXXX will not reinstate it.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

Venmo has frozen my account and I have a balance in the account. Ive sent all of the documents there were needed as they asked. Its been frozen for XXXX weeks. The holidays are here and they are holding my money. I just want them to please look into my account and please release my funds.
Consumer complaint received 2023-10-09
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. (GA)

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 has violated my rights. Or a 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 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

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

15 USC 1681 Section 602 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 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

company first said i owed {$8500.00} have been making payment now company says my amount owed {$8000.00} with payments of {$3800.00} received yet i still owe {$4800.00} which equals {$8700.00} and is {$670.00} over the amount they say I owed. i also sent a payment of {$490.00} which i have not seen deducted from balance yet. is my money going to my debt and do they actually know the amount i owe the courts
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (DC)

I have been a customer of PNC bank for about 10y. And I just had a scary experience with this branch. 

On XXXX/XXXX/15 I stopped by to make a deposit and get a copy of my statement since I was going to DMV ... Which was a horrible experience too. 
The bank teller had the audacity to open a credit card account without my AUTHORIZATION or even mentioning it to me. The lady kept asking me weird questions which I found so unprofessional such as the area I live at is very expensive, how much I pay for my rent! I must make good money to live there ... These questions were very annoying and I should have sensed that she was actually cooking something for her own benefit. 

This lady opened a credit card account without my AUTHORIZATION!!! I find out later they get some kinda credit by opening credit card accounts for their customers ... They are trying to get as much customers as they can. This lady now most probably ruined my credit as we all know in order to get a credit card they run your credit and closing it also affects your credit. 
I 'm very frustrated that PNC bank put me in such situation where now I have to deal with things I never had to deal with and I 'm pretty sure I will no longer be one of their customers because I have lost my trust. If they were able to open a credit card account without my authorization they are also able to use it. And this is a fraud and illegal. 

Ah and the best part is some lady called me which I forgot her name and I think she s a manager at that branch. She was trying somehow to convince me that this is n't a big deal because I 'm a pre approved for a credit card and that 's why ... Lady no pre approved or not there is no way to open a credit card without me AUTHORIZING it.
Consumer complaint received 2021-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX has charged me interest on an interest-deferred student loan repeatedly. I have contacted them repeatedly, and even filed a prior CFPB complaint. Each time, they address the issue, slowly, and refund the interest and assure me it will never happen again. It has happened again. For the third time.
Consumer complaint received 2017-10-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against XXXX and Experian for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. Experian failed to respond at all and I still have not received any paperwork from them at all.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, XXXX is reporting XXXX, and Experian is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.
Consumer complaint received 2024-02-17
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. (CA)

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 those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 2022-12-16
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. (FL)

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (FL)

XXXX provides cell phone insurance  for lost/stolen or damaged to your cell phones with their US Bank credit card. After reading through the benefit I cancelled my cell phone insurance through my cell phone carrier XXXX. Part of their exhaustive claim process is to include : receipt for new cell phone, receipt for original cell phone, proof the cell phone bill is paid by XXXX XXXX, proof of credit card statement. Once all of this was submitted and accepted they denied the claim stating that the item mysteriously disappeared and due diligence. One could make that argument that anything lost or stolen could fall under this premise. If they would have highlighted these terms consumer could be more wary of a bait and switch scheme. After the claim process was started I received a letter that they will not be offering this benefit after XX/XX/2022 most likely b/c they had hooked enough customers to receive a credit card. I've given all documentation needed for a legitimate claim an am asking they fulfill their obligations. They have stopped communicating with me and are no longer returning phone calls or certified letters ( USPS tracking # XXXX ). My claim # is a XXXX their address is Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I was the victim of a scam. I thought I was talking to an associate on social media about doing bitcoin mining. She then put me in contact with someone else on XXXX page name XXXX. I decided to try it and they instructed me to purchase {$3000.00} of bitcoin then had me send to an external wallet that put the funds on this website XXXX. After the funds were supposedly there they started asking me to double my investment amount which led me to thinking it was a scam. I contacted my bank and put in a dispute. I also attempted to try and get them to return my funds but I was advised that Id have to pay {$4000.00} to get the funds.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.