davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

On or about XXXX XX/XX/XXXX - I opened the account with Truist. I never had any accounts with them during last 2 years. It was opened with an offer of {$300.00} cash back and for that i need to setup direct deposit. I already setup direct deposit for this account. 
Today ( XXXX XX/XX/XXXX ) -I got an email that - I can not take advantage of the offer. Called customer service... even after a wait of 45 minutes, the call is getting disconnected. 
Email states : Dear XXXX, Thank you for your recent enrollment into the Truist Checking Offer XXXX XXXX. 

Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. 

If you believe you have received this notification in error, please contact Truist at XXXX ( XXXX ). 

Thank you for choosing Truist. We appreciate your business. 

Sincerely, Truist Offers Team When i tried login into my account- even the online login is also not working. Truist didn't sent any reset email.
Consumer complaint received 2022-03-16
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. (NV)

ATTENTION TO XXXX, EXPERIAN, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK, XXXX Bank DELAWARE
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: The Aligned Company DBA Extra (WI)

I reached out to file a dispute on XX/XX/XXXX about clothes that were sent in the incorrect size and was told a dispute will be filed. I followed up and was told I would hear back but did not. I had to file an additional dispute on XX/XX/XXXX about a defective item that the merchant wouldn't accept a return for as the merchant wanted to keep troubleshooting it. I was able to finally get information on XX/XX/XXXX that it had actually not been filed as they had reached out to me for additional information, which I had not received. I sent the information and it was finally filed as of XX/XX/XXXX. 

On XX/XX/XXXX, I was advised the dispute had been resolved in the merchant 's favor. When I asked for the documentation, it was just documentation showing the merchandise had been delivered. I then discovered that on their dispute, they listed it as " XXXX not received as promised. '' I asked to appeal the determination as I had never said the merchandise was not delivered, but that it was incorrect and defective. They declined and then stated that they were able to properly state it wasn't received. When I asked about how that was appropriate for it to just require delivery and the merchant should have to provide proof that it was the correct size and not defective, I was told that their decision was final and they followed the CFPB regulations 1005. I advised them that they had broken their policy of provisional credit if not resolved in 10 business days, which I learned once sent the link that it was actually a regulation. 

They took 65 days to complete the investigation and never issued a provisional credit.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hello, My name is XXXX XXXX, and I'm reaching out to file a complaint regarding ongoing identity theft incidents. This is the third time I've filed a claim, and unfortunately, there has been no action taken. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. I believe that my rights as a consumer are being violated. As the victim in this situation, I'm feeling frustrated by the lack of assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will have no choice but to pursue legal action.
Consumer complaint received 2022-03-16
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. (TX)

TRANSUNION has violated my consumer rights under the FCRA 15 U.S.C 1681 by reporting inaccurate and incomplete information on my consumer report without my directly written instructions, and consent pursuant to 15 U.S. Code 1681b ( 2 ) which states that a comsumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. 
I XXXX ; XXXX the consumer never gave consent or any written instructions to Transunion to report any information on my consumer report. NO Consent is IDENTITY THEFT pursuant to 15 U.S.Code 1681c-2 consumer agency are to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft no later than 4 day after proof of receipt. The receipt is I never gave Transunion written instructions or consent to furnish any information on my consumer report. 
Pursuant to 15 U.S.Code 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, unless creditor has adopted reasonable procedures designed to ensure that each periodic statement the including information required by section 1637 of this title is mailed or delivered to the consumer not later than 21 days before due date.

I never gave Transunion or any alleged Creditor pay for Transunion SERVICES any written consent or instructions to furnish any information on my consumer report. 
These accounts are listed with late or missed payments and that is incorrect. The following accounts was NEVER late and should be listed paid or, paid as agreed. 
Account name : account number : XXXX XXXX I was never late on XXXX and XXXX of XXXX please update these accounts as paid/current. 
XXXX XXXX XXXX I was never late from XXXX to XX/XX/XXXX and I was never late from XXXX to XX/XX/XXXX please update the account as paid/current. 
XXXXXXXX XXXX  XXXX I was never late from XXXX to XXXX of XXXX and I was never late from XXXX to XXXX of XXXX please update account as paid/current These accounts have been illegally furnish inaccurately on my consumer report causing Me a financial injury and stress. By provisions of the Fair Credit Reporting Act, I demand that you update these items list above or show me concrete evidence and all documentation proving that I was late, signed under penalty and perjury in a affidavit of fact. 
Please update as I demanded any information that the creditor can not verify. 
If verified pursuant to 15 U.S.Code 1681a ( e ) which defines investigative consumer report, please give name and addresses of all friends and neighbors etc.. Who you use for this investigation with proof signed under penalty and perjury in a affidavit of fact.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (SC)

Chime Bank closed my mother 's account on XX/XX/2021. My mother died on XX/XX/2021. 

On XX/XX/2021, I filed her Last Will and Testament appointing me as her personal representative. 

Chime Bank has refused to issue a check or any form of payment for the funds that were available in her account before Chime closed my mother 's checking account. I have e-mailed and written a certified letter to Chime and they refuse to communicate with me or assist me in any way, shape, or form.
Consumer complaint received 2023-02-22
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. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. I'm looking forward that these will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AZ)

My name is XXXX XXXX. Im writing you in regards to financial aid I didnt receive but the school is stating I received these funds. I did register in XXXX of XXXX and I believe the first disbursement was XX/XX/XXXX. The school I was attending which was XXXX XXXX XXXX XXXX disbursed my first payment and I received it but soon as I did I stop attending right after. 

On my paperwork I just discovered it showed I was withdrawn and next to it was showing code 51 for reason. As of last year I started working on my credit and couldnt understand how I owed over XXXX XXXX dollars in financial aid when I did not receive that amount. 

I started investigating on my own an saw my financial aid application was showing two disbursement. One in XX/XX/XXXX and the other showing XX/XX/XXXX. I cant understand if I was withdrawn how did I register for the next semester. Also how I passed my class in fall when I only attended a few online classes until I received my disbursement. 

The school has committed fraud against me or it could be an error but the fact they wont give me proof where those disbursement went is telling this was intentional. I look into old bank statements couldnt find anything. I also was told by XXXX that school received those funds and sent them back to XXXX but now the school is telling me I received the funds. 

They advised me to reach out to you to request information where those funds went but soon as you can get me what I need it will prove I didnt get that second disbursement in spring of XXXX. I hope I can get what I need to prove Im telling the truth but knowing how the school acted Im already assuming this wont be much help but at least it will be on the record. I need XXXX XXXX to prove they sent me those funds. Either a deposit or check. 

If you need to reach me you can by email or my cell XXXX. Ive been at my address XXXX XXXX XXXX XXXX XXXX AZ for 9 years. If they needed to contact me they could have. So every sign is telling me the school has done this to me and others. I really hope to get this matter resolved before it becomes bigger than it is. All Im requesting is that the school provides me with proof they sent those funds in spring of XXXX to me either with a check or deposit. If I owe it Ill pay but I know I didnt receive those funds. 

I have attach my XXXX and XXXX tax return. I filed XXXX that I attended school and for XXXX I didnt so I didnt file. I know I need proof but its hard to prove something you never received so Im giving you all I have. When I attended I attended long enough to get my first disbursement. I enrolled in online classes and I completed a few and I mean a few. This school didnt withdraw me until XX/XX/XXXX although I stop in XXXX of XXXX. They where passing me just to receive the financial aid money. How sick is that I guess its normal seeing no one has any intentions on helping me. I really hope someone here will.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

In the recent days ( past 3 months ) I have made multiple additional principal payments to my mortgage account. However the loan service company is reflecting these payments as regular payments and directing the funds towards escrow, interest and principal. I had to make several customer service calls to fix this issue. On last encounter with same issue the company has assured me such incidents will not repeat. However my recent additional principal payment was again reflected in the same way. This is a serious issue mismanaging my funds.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

PLEASE HELP! 

I mailed AmeriHome a letter on XX/XX/2022 requesting debt validation. As of today I have yet to receive any type of correspondence from AmeriHome. This account is showing closed on my consumer credit report and reporting negatively. AmerHome first failed to respond in the required time allowance. AmeriHome has also failed to abide by the law in regards to debt validation. 15 USC 1692g. Due to the fact that AmeriHome has failed to validate that this account that is reporting negatively on my consumer credit report I demand that this closed account be remove from my consumer credit report.. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. I feel like AmeriHome is bullying me! I never authorize nor gave permission for AmeriHome to report anything on my consumer credit report. AmeriHome needs to respect the laws of a Consumer. As a consumer I have rights and AmeriHome is in violations of my rights. AmeriHome closed the account and continues to report it to the credit reporting agencies and a negative remarks. I don't understand how these companies can continue to report items. This account is causing me an inconvenience and so much stress because or the negative remark. I am trying to purchase a home. Due to the fact that its invalid and against the law if I am not able to get them to remove this closed account, I will be force to file a litigation. AmeriHome has failed me as a consumer 15USC 1692e, 15USC 1681b
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.
Consumer complaint received 2022-03-17
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, Everything has to be 100 % accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX5 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission. 

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.