davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX ( XXXX  ) i discovered that XXXX different unknown people initiated XXXX transactions via XXXX and stole {$14000.00} from my Truist personal checking account. I immediately called the Truist customer service phone number and was told that they were closed and to call back during normal business hours. The next morning I visited my local branch office and informed the bank officer. She froze my checking account and we opened a new account. She also initiated a fraud investigation by Truist. Since then, I have met with the branch manager and several other employees. They all offer great sympathy and understanding by none seem willing or able to do anything to help. I was told at one point, that my problem is with XXXX and not Truist. I filed a complaint with XXXX via their web site and they responded the next day via e-mail and told me it is not their problem and that I should take it up with my bank. I then received a letter from Truist stating that " I initiated the transactions and benefited from them ''. Therefore, they have closed the case. I then sent a letter to CEO of Truist, XXXX XXXX. To date, I he has not responded. Moreover, I received another letter today from Truist referencing a complaint I filed on this matter on XX/XX/XXXX, which only further illustrates their complete incompetence and ignorance. I never filed a previous complaint and the fraudulent transactions did not occur until XXXX XXXX, XXXX. Please help me recover my money and spread the word to other unsuspecting consumer about XXXX and the big banks that own XXXX. Thank you.
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 THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NCB Management Services Inc. (CA)

NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, Today, I tried to use my reward certificate of your company, which number was XXXX with one djembe drum of XXXX priced originally {$49.00} but changed the clearance price {$3900.00}. However, I could not use this certificate and was told by a casher to call the office and tell the number. However, as I have already reported to your company the same issue, which my two certificates were unusable, I have decided to write a letter to complain this issue. I would like your company to explain why the incidents which I continuously receive the unusable gift certificates, even though your company states to give the certain rewards, which were unusable. I beseech to check the following certificates which I could not use at one of your shops : XXXX XXXX XXXX ( XX/XX/year> ) Since having mentioned in the letter of XX/XX/XXXX of XXXX, your company credit card issuer employee, XXXX XXXX XXXX, senior client affairs specialist of Synchrony Bank, stated to add XXXX points into my credit card reward and would issue {$20.00} rewards certificate next billing time, I request the mishappen amount of today, {$10.00}, also should be added to my next billing time. Therefore, I should receive extra {$30.00} reward certificates more. 
I seriously regret the happening today, that I have not been able to use my {$10.00} reward certificate to buy at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX Rt XXXX, XXXX, NJ XXXX to get Djeme drum made in XXXX, which usually cost about {$110.00}. I wanted to get one last summer at the street fair. That one was beautifully painted by the artist, and I immediately thought it was so expensive since I could not sell so much. My drum has such a pretty painting on the body and the casher, and I chatted pleasantly because it was so cute and made us so happy. She told me it must be joyful to play at nighttime. 
Sincerely,
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Tax preparer input incorrect account number on my tax refund. 
IRS sent my tax refund to that incorrect account number. 
The tax refund direct deposit should have been reversed back to IRS because name of direct deposit and account name does not match.
Consumer complaint received 2019-03-06
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. (FL)

From XXXX on my trans union report in the amount of {$1100.00}. Original day was XX/XX/XXXX and I disputed on XX/XX/XXXX. They did not remove it from my report, however, they did remove one from XXXX on XX/XX/XXXX in the amount of {$2100.00}. 

This is a gross error.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states I have the right to privacy, 15 USC 1681, section 604a, section 2, also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.
Consumer complaint received 2024-03-13
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: Sunbit, Inc. (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering. 

Demand deletion of this item and compensate for the violation.
Consumer complaint received 2020-11-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

For over 3 months, I have been trying to get the Private Mortgage Insurance ( PMI ) removed from my mortgage loan. I qualify for it based in Wells Fargo Home Mortgage criteria. I initially requested to have the PMI removed and was informed that forms would be mailed to me. I call Well Fargo Home Mortgage back a month later due to not receiving the forms. I requested for the forms to be sent via email ( which I was previously told could not be done ) and they were sent to me. I completed forms and enclosed a {$320.00} dollar check for an appraisal to be continued. The check was cashed 1 month ago. I have called multiple times to try to get them to remove the PMI. Each time, I am told the same thing ( we can't find a person to do the appraisal ). I am given different answers every time and in the meantime I continue to be billed for the PMI. I called again today and asked specifically when the appraisal would be done and when the PMI would be removed. The answer was " we don't know. '' I am aware of the deceptive practices Wells Fargo Home Mortgage has used in the past. In fact, I was part of a government class action lawsuit and I received a small settlement due to the deceptive practices used by Wells Fargo Home Mortgage in a previous mortgage loan. This time around, my mortgage loan was sold to Wells Fargo by a broker and I had no say in this process. Otherwise, I would not have selected them to be my mortgage holders. My loan # is XXXX. I seek a simple resolution - complete appraisal and remove PMI. I also request that this is done retroactively and that all PMI payment that are being currently made be refunded to me. Wells Fargo Home Mortgage continues to use deceptive practices to take advantage of customers. I now ask for CFPB for help. Thanks you.
Consumer complaint received 2024-03-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Camelot Financial Services, Inc. (CA)

I hope this letter finds you well. I am writing to request an update to the status of my account to reflect " Open/Never Late '' due to an internal issue that has been resolved. 
MIDWEST LOAN SERVICES XXXX
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (KY)

Hello, On XX/XX/XXXX I received a letter that has the date of XX/XX/XXXX at the top from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX This is the company that administrates my XXXX XXXX Credit card, issued by XXXX XXXX XXXX that I have had a perfect record with for approx. 6 years. I have spent thousands and thousands of dollars on this card/account. 

The letter says that due to inactivity my account/card has been closed ( 24 months of inactivity ) and the closure is effective immediately. I called the company and asked why can not this be turned back on? I want it back on and to use it. They said they would love to ( this is the 1st, 2nd, 3rd, and 4th person I spoke to in progression of supervision ) turn it back on but the system can not turn back on an account that has been closed. 

This has effected me via my credit score. It has lowered my overall available credit dollar wise. It has also closed my second longest aged credit account. This will also force me into a hard inquiry to replace the card as well. So in many ways this has impacted my credit score and it is not fair as a consumer. 

I asked why I received no notice that the account was to close? No call or mail stating this would happen. The reps said well you could have used it online and I asked who buys diamonds online? Seriously? But if I had known I would have bought a smaller purchase just to keep the account open. 

The main issue of why I couldn't use this card this year is Covid. I didn't use it last year as I had just paid off several purchases and the jewelry for my wife and family/friends was all still pretty new. So I skipped XXXX XXXX and etc. XXXX is different and I have been actively going to the local XXXX XXXX as well as many across several states ( I travel as an executive for my business employer ) and none of the stores are open. 

I feel that this is an unfair act and the company is exercising it's terms in an unfair method outside of good faith to me as their credit consumer. A simple phone call, email, or letter would have not only avoided this but also gotten them a sale/profit. Instead they have closed this account without warning and using an extremely poor excuse to not be able to fix it. Basically once its done it is done. Well their IT people could fix this is they wanted to. 

I was under the impression that it was not " legal '' or allowed to close a consumers credit account during this pandemic. Is this true? Can someone help me? All I am asking for is the account to be restored to it's previous state and I will use it immediately and regularly. 

( I recorded this call the same as they told me they were doing and have the file available if need be but it is too large to upload in this complaint. Over 10 MB. ) Thank you, XXXX
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (LA)

They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.
Consumer complaint received 2022-01-16
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. (AZ)

I have previously disputed this account with Experian and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-03-15
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)

XXXX : XXXX : EXPERIAN The heck is going on. Ive contacted you guys time and time again since XX/XX/XXXX. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.
Consumer complaint received 2020-07-08
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)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

I received a bill on XX/XX/XXXX and spoke to XXXX at XXXX and advised that I was working in Florida as of the date of service and believe I was a victim of Fraud. The bill is XXXX XXXX XXXX XXXX. Trip # XXXX for XXXX XXXX which is my maiden name and I have not used since XXXX as I have been married since then. I was then advised that the bill would be address. This was for a frequent flyer XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 

Then on XX/XX/XXXX I received notice rom Mercantile Adjustment Bureau that I would be put in collection or {$3200.00} for the same visit listed above for the same person that they knew was not me and that I needed to provide a police report. I offered to provide my schedule to show I was in Florida working for my job and was not in NY at the time. I need this to be removed from my credit and it is causing irreparable damage to my credit and life.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (WI)

I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC (GA)

starting XXXX of XXXX i have attempted to get my transaction history for missing monies. Weekly contact by email to customer service and phone contact and I get no return calls or any correspondence. i have an account i pay through beginning XXXX but unknown reasons half of my account is dormant and no one has the ability to produce the information other than the corporate office. i have not received one return call or email and i am approaching a deadline resulting in legal issues if this is not resolved, i have no more time