davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I had a checking account with sun trust bank location in XXXX Georgia, during the period of time that this account was active sun trust bank on a monthly basis took from my account because of overdraft fees in excess of XXXX in one month. during this same period I was charged an overdraft fee and if the overdraft was not paid I would be charged an additional {$72.00} from my account. In one month a deposit was made from the veterans administration in the amount of {$1700.00} and after Sun Trust withdrew and deducted there fees I was only left XXXX at which time the account was closed. During the time this account was in existed which was less than one year, Sun Trust withdrew over {$3500.00} in fees. When I attempted to bring this issue to the branch manager i was always given an explanation that they were entitled to charged my account these fees. A brief discription of these charges were, 1 }, carry a XXXX  balance ; 2 }, having a negative balance, 3 ], not paying overdraft fees within a certain period, 4 ), maintaining fees for an open account. these are some of explanation however its not limited to those listed above. 
As mention above the straw that broke the camel back was when my compensation payment from the veterans administration was received and i received less than 50 %,
Consumer complaint received 2023-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023 I notified XXXX that on XXXX separate occasions, there was fraud on my accounts and someone stole money. On XX/XX/2023 someone stole XXXX out of my account, On XX/XX/2023 someone stole XXXX out of my account. On XX/XX/2023 someone stole XXXX out of my account. They transferred the money to XXXX separate XXXX XXXX transfers. None of these XXXX XXXX accounts belonged to me. All three of these transfers were done online. Synchrony bank has credited my account XXXX back into my account, but they put a restriction on the account and wont let me have access to any of the money until the investigation is completed which could take up to 90 days. I need this money to pay my monthly bills and they won't let me have any of it.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CA)

On XX/XX/XXXX, I was making a purchase at XXXX XXXX XXXX {$15.00} and as I put my payroll debit card ending in XXXX in the device and the register froze. The cashier advised me that the purchase did not go through and to reenter my debit card so I chose to use another card ending in XXXX. Five day later, I noticed a purchase was approved on my debit card ending XXXX, which is my wisely payroll debit card that I used in the beginning. I called wisely to dispute the charges which I did not agree to, and was told that I will receive a form in the mail to dispute, however, a letter was sent to me but no form attached. Wisely payroll has been giving me a lot of problems as far as forms being sent l, disputing the charges, and a hassle not contacting the merchant. On XX/XX/XXXX spoke to manager at XXXX 's and had corporate forward a copy of the charges that were made on XXXX and have no record of any charges on my debit card ending in XXXX.
Consumer complaint received 2024-02-15
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. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX : Account number : XXXX, The reported balance is inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX BANK ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX BANK XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts. 
XXXX ( Original XXXX XXXX XXXXXXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-01
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. (NY)

THIS COMPANY EQUIFAX IS STILL REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT XXXX   ACCOUNT XXXX. I AM ENCLOSING THE FTC FRAUD AFFRADAVIT WHICH REQUIRES EQUIFAX TO TAKE CERTAIN ACTIONS ON THIS ACCOUNT BEING REPORTED AS XXXX ACCOUNT XXXX
Consumer complaint received 2023-06-01
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)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 2022-05-16
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX 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 delete the following accounts completely from my Credit Reports : EXPERIAN : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting 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 am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 
However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Consumer complaint received 2022-05-16
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. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
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. (GA)

I was taken advantage of due to mail-practice while several laws were being broke under the FCRA by your company. This has caused me financial injury, deformation of my character, finding employment, I cant apply for credit, I cant apply for a car, I cant apply for a home, I cant apply for a SBA or Personal loan due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My wife and I have tried to refinance our current mortgage with Roundpoint Mortgage. We have now hit the 4 month mark and they still have not finalized the refinance. I have talked to multiple people and just receive double talk and a promise of a returned call or email but never receive one. We have been prompt in providing Roundpoint with information they request from us but they take weeks at a time before moving on to the next step. I continue to call and ask what is going on but never receive a response.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (MD)

this debt collection company has placed on my credit reports that I owe {$2400.00} to XXXX XXXX. Ever since I canceled with XXXX XXXX the statements I received stated the debt as {$1900.00} which is {$480.00} less than what this debt collection agency has posted to my credit reports. The amount they are trying to collect is inaccurate.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NC)

I am at the end of my Lease with a vehicle through Ally Financial. They have given me a buyout amount in my lease contract ( to buy the car ) and quoted me through their customer service team. I have been approved for financing through my credit union, and Ally Financial refuses to send the proper documentation to my credit union so I can complete the buyout. They have only given me the option of financing the buyout through them ( XXXX ) at a much higher interest rate than my credit union, paying cash, or going through a dealer. The dealer option has dealer fees associated with it, and the payoff is higher than the quote I got from Ally ( dealer buyout is different amount? ). Ally will not allow me to use a lender of my choice, and are forcing me into a loan for this car that is not reflective of my credit. 

My Credit Union approval was for {$24000.00} at 2.75 % APR for 60 months XXXX XXXX ( Ally 's company they will let me finance through ) approval was for {$24000.00} at 4.49 % for 60 months The dealerships said they can match my credit union rate, but have a $ XXXX document fee, and a higher buyout ( {$2500.00} higher ) from Ally Financial than what I have been quoted. 

I have a chat transcript from Ally on XX/XX/11 that states they will not send the lease buyout documents to my credit union or any 3rd party for that matter.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business since this month of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Here was my original complaint : Originally, I had made a claim with Bank of America because I was scammed, a fraudulent charge where I did not receive my item. On XX/XX/XXXX, I had initiated this claim for approximately {$250.00} that I had sent to a merchant through XXXX. XX/XX/XXXX, BofA had sent this dispute to XXXX, to which they had messaged the seller asking for anything such as tracking information, etc. XXXX did not get a response from the seller, further proving my case which then they had sent that response back that they did not hear back from the seller on XX/XX/XXXX. I have now since checked the claim, and it has been set as " resolved - claim not paid '' even though I was clearly scammed, and I have proof of direct messages between both the seller and I, and that I had not received my item and still have not. Attached below are screenshots of the direct messages that the seller and I had exchanged, I had deleted my address out of the direct messages. But, at the end his profile is shown to show that he blocked me, I have no way of further communicating with him and I still have not received my item so I was scammed. 


I was scammed. 

Here is the response that was given from BofA : XXXX *XXXX  is a third party who's responsible for transferring the money from your account to the recipient. We recommend you contact the recipient directly for further assistance with your dispute. 

I had called XXXX, and there is nothing that they can do, because the seller did not respond, and they forwarded that information back to BofA and I have still been denied. If there is a mark that the CFPB can meet with BofA, the money is still on hold for {$250.00} on that person 's account, but I have not recieved my item and I can not " contact '' the recipient directly for further assistance because the person has blocked me. I have even shown them the same previous screenshots of evidence I had shown in the previous claim, to which I will place here again for reference. I just really hope I can get my money back, and not have this person go run away free with my XXXX dollars. 

Please review the suggested evidence from 1 through 5 which is my interaction with the seller, and where I exchanged details, paid him, and then blocked at the end and still have not received anything since XX/XX/XXXX.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt