davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (WV)

I have been charged many times for an overdraft on my account. In the past I haven't had enough proof to actually do much about BB & T charging me these fees due to the fact that when I called to correct the problem my app was showing different information then it had prior. This time I was smart enough to take a screenshot on my phone showing dates and times along with emails to prove that BB & T is taking full advantage of its lower income/class customers! Daily processing occurs over night and all accounts are updated with first deposits and then deductions. Well that's at least what BB & T clams. During daily processing last night I was charged a {$36.00} overdraft fee. That's really not a lot of money but at a time like this that's the difference of my water getting shut off or not so it's a lot of money to me and my family. My account was definitely running low. I will not deny that. It's been extremely hard for me to keep my family 's heads above water. At XXXX XXXX I received an email from BB & T that stated my account was negative {$35.00} after daily processing. That in itself would mean that my account was XXXX cents in the positive and was still charged a XXXX dollar overdraft fee. Please tell me how that is possible let alone ethical? I really wish that I had proof of the multiple times that this has happened in the past but sadly I do not. BB & T is one of the most unethical banks I have ever encountered. And I know that I am not the only customer that this is happening to. Please do something about this! At a time in American history when there are already so many American 's struggling to keep a roof over their head and food in their mouths the last thing we should have to worry about is a greedy bank stealing the last few cents of our hard earned money!
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I had a LOC with First Citizens Bank which was originally included in a ChXXXX bankruptcy originally filed on XX/XX/XXXX. The bankruptcy was discharged in XXXX XXXX when I began paying the bank directly again. From XX/XX/XXXX until XX/XX/XXXX when my home was sold and the balance was paid in full, I was never late with my monthly payment. Currently First Citizens Bank is incorrectly reporting to XXXX a late payment in XX/XX/XXXX. XX/XX/XXXX I closed on the sale of my house and the outstanding balance of this HELOC was paid through closing. Furthermore, the status of this loan states included in bankruptcy. Its been11 years since the bankruptcy was filed and 8 years since the bankruptcy was discharged and shouldnt be referenced at all on my credit report.
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I have returned the merchandise and stated categorically that I am not interested in any store credit but they keep bouncing me back and forth and after a year, they are not stating that there is no record that the merchandise was returned.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (CA)

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1602g .CARMAX has violated my federally protected consumer rights, knowingly and willingly giving false and inaccurate information as pursuant to 15 usc 1611 ( 1 ) in connection with a consumer credit transaction and the consumer credit transaction application. I am the consumer, the natural person and original creditor it is my right to extend credit as pursuant to 15 usc 1602 ( f ) CARMAX unlawfully again violated my federally protected consumer right .As pursuant to 1605 ( a ) the finance charge does not include charges of a type payable in a comparable cash transaction.And yet CARMAX furnished deceptive forms as pursuant to 15 usc 1692 ( j ) to create a false belief that a person other than me, the natural person the original creditor would be participating in collection of an alleged debt .And presented the forms to me as " finance options '' stating that I the consumer the original creditor needed to make a downpayment, in order to exercise my right and extend credit. CARMAX unlawfully discriminated against me as pursuant to 1691 ( a ) ( 3 ) when I was denied my right to extend credit as pursuant to 1602 ( f ) without a cash down payment. I have sent an affidavit certified mail along with Exhibits and a invoice. I can't believe this type of direct disregard for my federally protected consumer rights has taken place.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NY)

I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a XXXX XXXX  inquiry from XX/XX/XXXX & the XXXX was another inquiry made via OneMain Financial on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2017, I received a letter confirming my credit freeze after the security breaches that occurred during that time. I have tried to unfreeze my account via their website and they are assuming or claiming that the same information that was provided to them almost three years ago is incorrect and I have to send them " identity information. '' I engaged in the same process with XXXX and XXXX and was able to successfully lift my credit freeze for both institutions in less than 10 minutes. When I tried calling the number to speak to a representative, all I received was a robot that either ( 1 ) gave me no option to speak to a representative ; or ( 2 ) simply hung up on me. 

Now, due to this freeze, I am unable to consolidate my student loans via a private service provider and in a perilous position due to negligence. Since the information provided in XX/XX/2017 is still valid, why do I, the customer, have the burden to prove my identity since they already have all that information on record? Furthermore, why is Experian the only of the three credit bureaus that is unable to complete this task? Even if i proceeded with said lengthy process that is imposed on me, I would probably have to default on my loans since the freeze is the only obstacle between my loan consolidation ( and default ).
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IA)

A company listed by the name " Phoenix Financial Services '' claims I owe a medical debt of around {$230.00} for an emergency room visit around the middle of 2017. They claim they mailed me a letter, which I did not ever receive. When I called them, they did not even ask me to verify my information, and read my entire social security number aloud. They will not dispute any charges which is my right under the FDCPA. They claimed the 30 day window has passed, but it is not valid since I did not receive a letter. They were very hostile and argumentative with me on the phone, and their demeanor indicated this is not by any means a legitimate or professional company.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (PA)

As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable. 

Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.
Consumer complaint received 2022-02-17
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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. (DE)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX NA - Date of Inquiry XX/XX/2021 XXXX
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (PA)

I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.
Consumer complaint received 2021-11-03
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. (GA)

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, U S DEPT OF EDXXXX XXXX , and U S DEPT OF EDXXXX XXXX.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I'm writing due to an email I recently received from my credit card company regarding their unilateral decision to reduce my credit limit. 

In this email, I was told that the credit limit on one of my credit cards was being reduced by {$5000.00} dollars. When I called their customer service line, I was told by both the front line customer service representative as well as the senior customer service representative that there was no means to dispute the change. This reduction is in addition to their decision several years back to completely close one of my credit cards ( again with no means to dispute ). In both cases, I have been clearly qualified to maintain my account at the level it was at in terms of income and history of repayment. 

My complaint in both situations is this : by allowing a credit card company the ability to make unilateral decisions to reducing credit limits and close credit card accounts, with no notification or forewarning and not allowing any dispute or reversal options, these companies are negatively impacting the personal credit scores of their customers. In addition, for those like myself who use these cards as an option for funding emergencies, that option is impacted or completely removed. Especially during a pandemic, one would hope that a credit card company would at the very least refrain from impacting someone's access to emergency funds, but that appears not to be the case. Even outside of a pandemic, this should never happen. 

Ultimately, I signed the terms and conditions of the card, and this is something that I should have known about. With that being said - how is someone expected to read the 5-10 pages of the terms and conditions retain every minute detail? And when the terms and conditions change nearly every year, how is one to be expected to remember whether something has changed or not?
Consumer complaint received 2024-02-22
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Hi, I have sent three certified letters to Experian in order to receive my free credit report. I have not received a reply to any of them. I sent them a copy of my Drivers License, proof of residence as well. I have been declined for a loan and I need to see the actual reporting from this Bureau. I have received reports from XXXX XXXX, and XXXX already. 

Thank You,