davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (CA)

On XX/XX/2018 ; I was defrauded out of {$19000.00} by SunTrust Bank XXXX customer XXXX XXXX, acct # XXXX in XXXX, GA. This individual scammed me by leading me to believe he wired an overpayment of {$20000.00} to my XXXX XXXX acct. This was done by hacking my computer and fraudulently transferring {$20000.00} from XXXX of my XXXX XXXX accounts to another making it appear that the overpayment was legitimate. I subsequently wired {$19000.00} to SunTrust Bank customer 's acct. at his request. I received an alert from XXXX XXXX that an account transfer was made between two of my XXXX XXXX accounts. I notified XXXX XXXX immediately of the fraudulent/unauthorized transfer. I asked XXXX XXXX to recall the wire transfer and to notify the SunTrust Bank branch in XXXX, GA that a fraud had occurred and to freeze the receiver 's account at SunTrust Bank. Both XXXX XXXX 's and SunTrust Bank 's fraud department were notified within an hour. I called SunTrust Bank and their fraud department but could not find out what was happening to stop the funds movement. SunTrust Bank would not tell me anything that was going on, nothing about their customer, or if there was any funds in the account. The next day I gave a police report to the XXXX XXXX police department. Their investigator told me the SunTrust Bank Customer used an address of an empty lot in XXXX so there was no way to find this scammer. SunTrust failed to recover the funds, made no effort to recover the funds, or investigate the fraud. SunTrust Bank facilitated the scammer by opening an account without properly vetting the customer and did not adhere to bank regulations requiring Knowing Your Customer ( KYC ). Banks have the responsibility to protect consumers against fraud. My efforts to get SunTrust Bank to recover the funds were futile. Therefore I am requesting SunTrust Bank 's reimbursement of the lost funds, {$19000.00}.
Consumer complaint received 2023-11-27
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PatientFi, LLC (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits on XX/XX/. They furnished this account that we didn't agree upon and I didn't sign an agreement on in the amount of XXXX dollars. 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 make this unfair practices. According to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 i have disputes on bank of america by my debit card charge many times from XXXX aabout XXXX after that they closed my account and not sent notice or something else after 10 days send letter to mail box and tell my acounnt bank closed and cant reopen in the futher also give me another letter and tell should to give back {$620.00} from that dispute was to asked them about overdraft fee but didnt heard back from BOA Thanks
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA XXXX {$21000.00} USAA XXXX {$16000.00} These accounts are reporting inaccurate on my credit report and I have been victim of identity theft I have provided all legal proof and documents to support my claim and I request you update your system and remove all inaccurate reporting items immediately
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/23 I was contacted from Truist bank fraud department stating they had identified someone trying to make purchases using my debit card. The man proceeded to ask me questions about the charges and I stated it was not me. He then said he would block those charges and ask me to give him the XXXX time code to resolve the problem. He successfully did XXXX wire transfers of which I was not aware of until I drove up to Truist Bank. The XXXX charges are as follows : Wire transfer of XXXX, wire transfer of XXXX and a wire transfer of XXXX. The bank is not refunding the money back to me.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this XXXX concern, My name is XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

Subsections 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand immediate removal of the listed accounts in my report and in this file. These accounts were added without my expressed written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts in my statement. Additional Unauthorized Inquiry : XXXX, XXXX XXXX Bank, XXXX XXXX Na, XXXX XXXX Na, XXXX XXXX, XXXX XXXX Na, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

On or about XXXX XXXX XXXX denied my wire transfer when I talked to approximately 7-8 different people on the phone to restore my funds that was frauded. This business was very very rude, however the conversation ended with one of the employees hanging up on me. I don't have any money to waste I definitely learned from this but to have a bank I trusted with my money to deny and talk to me crazy like that hurts for real.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Complaint against Bank of America From XXXX XXXX XXXX and XXXX XXXX, husband and wife In the year XXXX my wife, XXXX XXXX, and I set up a Health Savings Account through the Bank of America. In the subsequent years I made deposits into this account, as well as make disbursement requests from our banking accounts. The account number was # XXXX under my wifes name. Our mailing address and email address has not changed over the years. These were no problems for several years. 

In XXXX of XXXX, I went online to their website to request another medical expense for reimbursement. My password was refused. I called the helpline at ( XXXX ) XXXX. I was told by the agent that our account did not exist. I gave the agent all the information requested, including our names, social security numbers, and birthdates. I was told that they could not pull up the account. Calling back another day, I asked to talk to a supervisor. Her name was XXXX. She said she would look for the account in the back office to see if it was there. Calling me back, she had found it. We proceeded to reset our access into the account with a new user name and password. Subsequently I made two reimbursements requests, and the monies were deposited into our non-Bank of America account. 

In XX/XX/XXXX, I again went online to their website to request another medical expense reimbursement. My password was again refused. I again called the customer service number at ( XXXX ) XXXX. I was again told that the account could not be pulled up. After days of calling and talking to a different agent every time, I finally found one that listened to me. I suggested, and she confirmed, that I should scan and send supporting documentation from the account to her email address at Bank of America. I did this. I was later contacted by XXXX XXXX, Bank of America XXXX, Florida. We talked on the phone. She told me that the account was again found. XXXX stated that the account needed to be updated. She asked me to fill out two Bank of America forms, and send the supporting documentation to her email address. The address was XXXX. I have never received direct verification from anyone at Bank of America that my emails have been received by them. The forms I returned to them were an HSA Account Identity Verification Form, and a Name Change Request Form. These two forms and supporting documentation were sent on XXXX XX/XX/XXXX. We have not heard from them since.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

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 make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Federal Aid Loan ( s ) were forgiven. I contacted XXXX XXXX who currently has a Hold on my student transcripts I have repeatedly requested that my account be updated because of the Loan Forgiveness I received for the US Dept. of Education. I dont owe XXXX XXXX any money ; and would like my account updated to reflect that.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TD BANK US HOLDING COMPANY (TX)

I was attempting to get a loan with TD Auto Finance at the recommendation of my dealership. I was trying to purchase a new XXXX XXXX with XXXX XXXX in XXXX, TX. TD Auto Finance had already pulled my credit successfully and were trying to verify who I am by using my phone number ( something they say they have to do with a 3rd party software ). The software gave them an error and they were unable to verify my identity after doing a hard inquiry on my credit. Neither they or the dealership was able to provide me with answers. Shame on TD for doing a hard inquiry and not being able to proceed with the loan. I even asked for a manager or supervisor and was told that was not an option. It isnt fair that as a consumer my credit is damaged from a company I am trying, and fully qualified to get a loan with, for them to simply turn me away due to an error with their system. Their customer support is nonexistent and I am very disappointed in their response. The dealership is recommending I reapply with another bank which isnt fair to me because that results in another hard inquiry into my credit. The number I was given to contact TD Auto Finance is XXXX, option XXXX. I was instructed to ask for a bank interview with an underwriter. I have had my same phone number for 15 years and never had a different cell phone number. Why they insist on using a phone number verification I am not sure. But it seems like a poor system to do business with qualified people.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

Fifth Third has refused to close our XXXX account for our son and now is hanging up when we call to close our personal checking. 
We have moved XXXX hours away from the nearest branch and XXXX from our home branch. We are not driving XXXX hours to close an account. 
Close the accounts!
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (NY)

I received a letter from Allied International Credit Corp. dated XX/XX/2020, stating that they are " a debt collector '' attempting to " collect a debt. '' They list the creditor as XXXX  and cite an Account Number XXXX******, Reference Number XXXX. The amount they claim owed is {$780.00}. 

I have accessed my XXXX  account and have ascertained that my account balance is XXXX ( {$000.00} ). I can find nothing suggesting that I am indebted to XXXX  at this time, and in fact have not purchased anything through XXXX  for several weeks. 

The company lists its address as XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. XXXX. Telephone # XXXX. ( They furthermore provide an address at Department # XXXX, XXXX XXXX XXXX, XXXX PA. XXXX. I am not sure why the Pennsylvania address is pertinent, for they indicate that I should send my check to the former address. ) In addition, the letter states that I should contact " XXXX XXXX '' to discuss payment options. Phone # is as above. 

A XXXX search indicates that many people have received similar letters from this company. The letters seek payment in varied amounts.
Consumer complaint received 2023-11-27
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I took my son, XXXX, to the XXXX XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter for $ XXXX from his personal bank, XXXX XXXX XXXX XXXX. When he presented the approval letter to the salesman, he took it back to the finance department to get verified. 
The salesman returned and stated that the approval letter was verified by the bank and my son was " good to go ''. 

After my son, XXXX, selected a XXXX XXXX XXXX, for $ XXXX plus fees, the salesman took the paperwork to the finance department, and returned to us stating that the finance manager said they would let my son have the vehicle, but only with a " backup signature '' ( as he said it ). Little did we know that the salesman was hinting that they wanted me to co-sign, which we both misunderstood what he was trying to say. That's when I made the mistake of giving him my ID. 

The salesman gave us the contract agreement to sign. As I began to read the small print, I immediately told my son " Don't sign that paper ''! My son asked me why? I told him that they changed the numbers on that contract. And I think they ran my credit without my permission. My son 's bank, XXXX XXXX XXXX XXXX, approved him to pay XXXX XXXX/mo., 7.940 % and 72 months to pay it off. XXXX XXXX XXXX XXXX XXXX lot had changed the numbers to 15 % interest rate, {$900.00} a month, which is a significantly higher amount. My son stopped reading the contract, because I said " let 's go ''. I was furious. I told my son we were not going to sign those papers because they ran his credit as well as mine without my permission as well, changed the interest rate and increased the monthly payment. That's when we decided it was time to go. 

This did not make sense to us because my son 's approval letter was good for $ XXXX. That's when we realized they were trying to scam us in order to use their own bank to finance the vehicle for a higher profit. 

They did not have my permission to run my credit. They knew what the procedure was when some one presents them with a pre-approval letter from another lending institution. And this is not what they did. That's fraud. Now, there are numerous hard inquiries on my credit report unauthorized. I did not come to buy a car anyway. 

15 USC 604A section 2 states : state a consumer reporting agency can not furnish an account without my written instructions.

15 USCs 2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (NV)

**Subject : ** Request to Remove Late Payment Due to Autopay Error Dear Flagstar Bank , Im reaching out regarding the recent 30-day late payment notice on my account. This issue occurred due to an autopay error, not an intentional delay on my part. I had set up automatic payments to ensure my account was always in good standing, but unfortunately, the system did not allow me to allocate payments properly toward principal and interest. 

To resolve this, I made XXXX separate payments ( see pictures attached ), ensuring that all necessary payments were completed and or atleast attempted to be made correct as I made every effort to avoid a non-payment situation and was proactive in addressing the issue as soon as I became aware of It which will be reflected in the payment history attached. 

I humbly ask that whoever is reading this please take into consideration that I am asking for help. Given that payment attempts were made and received both on the day of the alert and the following day, I believe this demonstrates my commitment to fulfilling my financial obligations. For these reasons, I respectfully request that you remove this late payment from my credit report and reissue my credit standing. 

Thank you for your understanding and assistance in this matter.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (NM)

On XX/XX/XXXX I filed a dispute with Equifax when I discovered they were inaccurately reporting an open auto loan with XXXX XXXX XXXX XXXX XXXX as closed with date of last payment in XX/XX/XXXX. This account is currently open and paid on time each month. On XX/XX/XXXX I filed a complaint with CFPB when I had difficulty obtaining information online and at the Equifax telephone number ( XXXX ). Please refer to CFPB complaint number XXXX. 
On XX/XX/XXXX I received a response from Equifax dated XX/XX/XXXX, confirmation # XXXX with dispute results indicating they verified with XXXX XXXX XXXX XXXX that the account has not been closed however they continue to inaccurately report the last date of activity as XX/XX/XXXX.