davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF THE WEST (AZ)

So I got a money transfer and I go to the XXXX XXXX  on XXXX and XXXX XXXX XXXX Arizona and they tell me that they can't give me the money until the funds are posted to my account okay at this time the phones are processing they're not posted yet okay so I go couple days later I go to the other bank on XXXX XXXX and XXXX  and the money is still processing and they gave it to me with no problem they said nothing about it having to post my account before I got the money nothing about we can't give you the money until the money posted nothing about none of that and it really kind of irked me because why is XXXX come XXXX business doing this and the same business but a different place of business is doing this I don't get it so I made a big old fuss and that was it
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.
Consumer complaint received 2023-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NY)

Couple of years ago, my student loan was transferred to XXXX. I was enrolled on an XXXX XXXX XXXX XXXX. As requested by XXXX, I was making my students loan payments on a timely manner. In the early part of last year, I had financial difficuties and I contacted XXXX to see what I can do. The Representative I spoke to told me that she will have my student loan in pause because of the XXXX and XXXX XXXX student loan pause that was in effect. 
XXXX XXXX, I received a collection call from Aspire Servicing Center that my loan was one month defaulted. I tried to explained that my loan was in pause with XXXX. She told me that XXXX was no longer in business. I futher explain to her about my financial hardship and also informed her I was not working due to a car accident that I had. She continued to ignored me. I further requested information about the transition of my loan, As of today 's date, all I have received are statements of late and accumilations of non payments of my student loan. I have called and also send letters via regular mails and cerified mails to Aspire to explained my concerns, my request has gone nowhere. Instead, all I havereceived are statements which far more exceeds my XXXX XXXX XXXX that was originally with XXXX. XXXX Aspire Servicing Center has destroyed my credit and I am frustrated and dont know what to do. 
Please, I will appreciate and greatful for your assistant to resolve and rectify this matter. 
Thank you.
Consumer complaint received 2023-02-28
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. (IL)

They claim that I activated the card that I have NEVER received. I called them to complain and let them know that I did not have a card, they claim that it was activated from my cell phone.IT WAS NOT, NEVER WAS, BECAUSE I NEVER HAD THEIR CARD, Now they have added this to my credit report, and it has drastically lowered my score. I WANT THIS REMOVED AND TO CLOSE THIS CARD ACCOUNT that I DO NOT HAVE.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, XXXX and EXPERIAN. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed from my credit report.
Consumer complaint received 2023-01-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-26
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)

Experian is willful non compliant when given the evidence of documentation of account not reporting accurate. i have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : XXXX ) XXXX account # XXXX, ( XXXX ) XXXX XXXX account # XXXX, ( XXXX ) discover bank account # XXXX, XXXX ) XXXX XXXX XXXX account XXXX XXXX what real person was the one that verified these accounts. What are their names? what extencion number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents did the get that they should share with me as evidence to back up their XXXX XXXX XXXX says to me that they do not have any record of the account at all. and that experian never contacted them???? so forth and so forth... Experian is in violation of the statue that clearly says they must follow the law. under Facta act i need to get a copy of the records in my hands.
Consumer complaint received 2023-02-28
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: GOLDMAN SACHS BANK USA (FL)

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 end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
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. (MD)

Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (CA)

On XX/XX/23 I discovered an unauthorized charge on my XXXX  banking account for XXXX  XXXX XXXX XXXX for XXXX . It seems someone has fraudulently connected my bank account to an XXXX  account. I DO NOT have an account with XXXX  and have never opened signed up for any of there services.
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXXXXXX XXXX : Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XXXXXX/XX/XXXX : I filed a dispute with XXXX XX/XX/XXXX : Dispute completed by XXXX, reported that the account was not fraudulent which is incorrect
Consumer complaint received 2023-01-25
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: ALLY FINANCIAL INC. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXXccount # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (WV)

Synchrony Bank had an issue with their website that resulted in my IRA funds being put into a non-IRA CD. ( Clearly, the web designers never talked to the IRA department about the differences between opening an IRA CD and a non-IRA CD. The problem has long since been corrected. ) When I finally got someone to move the funds into the proper IRA CD, I was penalized {$1800.00} for an early withdrawal. Yes, I was being penalized for their mistake. The customer rep acknowledged the problem and said he would get back with me. He never did. Over the past three years, I have called Sychrony many times and have written two letters to senior managers. Only one person has contacted me and like everyone else in the company, she forwarded my complaint to someone who has yet to call me back ( after three weeks ). Synchrony 's pattern of arrogance towards its customers is undeniable.
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

I decided to consolidate my bills due to financial situations I could not control.  I contacted XXXX XXXX XXXX to see what options I had in this matter and decided to go with the company.  I was informed no to have contact with my credit card companies because they would be taking over from that point.  I have been receiving seven to eight calls a day but the once I received a call on my job I felt this has gone too far.  The number that showed up was an XXXX number and a recorded message said, Please hold the line while I connect you I waited and the person on the other end said is XXXX XXXX and I said it is pronounced XXXX.   He went on to say he was from Synchrony Bank and asked about a payment, I told the man that I had consolidated my bills and during this time, I had customers and co-workers within a foot from my desk.  I tried to whisper because I did not want everyone to know my business but it keep replying, what did you say as if he could not hear me.  I told him that I have told you once and provided the number.  He told me that he was not calling and informed me of a payment that was do and again I gave him the same information and told him he cant hear because his phone keeps clicking.  I started to get upset and my tone was beginning to change so I hung up.   When I got off the phone, I was embarrassed.   While I was sending this complaint, I received another call.  I NEED my job!

Contacted my job dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Contacted my cell: XX/XX/XXXX , XX/XX/XXXX (6x)   XX/XX/XXXX (9x)  XX/XX/XXXX (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX (6x)  XX/XX/XXXX (8x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (10x) XX/XX/XXXX  (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (4x)   XX/XX/XXXX  (1x) so far
Consumer complaint received 2023-01-25
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)

I disputed a collection on my Experian on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated HIPAA. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by XXXX, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I was robbed at XXXX XXXX  and had everything taken from me including my wallet along with identification and ss #. I have a police report as records and from thus robbery accounts was opened up in fraud in my name and was put in chex systems.
Consumer complaint received 2023-02-27
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. (OH)

MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation (NY)

I have 20 inquires back to back starting XX/XX/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 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
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (PA)

I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX  XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I requested validation of alleged debt twice from BUSINESS PROFESSIONAL SERVICES.I have no contract with BUSINESS PROFESSIONAL SERVICES and there is no debt owed to them. The first request for debt validation was sent on XXXX and was responded to on XX/XX/XXXX. A second request with detailed information including the full name, senders return address and last 4 of social security card number. BUSINESS PROFESSIONAL SERVICES responded with an identical copy of the first response, requesting information already provided. As well as a clear decription of the documents requested by sender, possible violations by BUSINESS PROFFESIONAL SERVICES, with ample opportunity to remedy. BUSINESS PROFESSIONAL SERVICES has potentially violated 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others I will be contacting the Securities Exchange Commission as well regarding this matter
Consumer complaint received 2016-09-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Zenith Financial Network Inc (CA)

I have been contacted by ZFN associates on multiple times before XXXX. These calls are coming from XXXX as recent as Tuesday XXXX XXXX, 2016 at XXXX PST.