davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1200.00} 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 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP (NJ)

On Friday, XXXX XXXX, I purchased an item on XXXX using my debit card and then had it refunded. The item amount was {$14.00}. After seeing that the purchase and refund had appeared on my checking statement online, there was an open authorization for {$14.00} still being held from my available funds. I was told that it had to stay on because of " the system, the banking system '' until Friday, XXXX XXXX. On Friday the XXXX, I was told it would drop and be noteable on Saturday. Between which I had another previous item refunded for {$15.00} making the available on Saturday, the XXXX never reflecting their putting the withheld {$14.00} back into my available balance. When I asked about, they said, the balance I was showing was accurate. This clearly did not reflect what I saw all week and brought to their attention from my careful scrutiny of my account. Let me say, I've noted other times recently when money disappeared from their bad bookkeeping.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

This morning I attempted to pay my bill and I could not pay through the app due to " technical issues. '' I have complained about the unreliability of this app and their response has been, " I'm sorry, here 's the phone number of our black hole call center full of wait times and accents you can't understand, good luck! '' I want a federal investigation into the reliability of the Citi mobile app.
Consumer complaint received 2017-12-01
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)

I have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I had two unauthorized transfers on my checking account at Navy Federal Credit Union. There were two transfers for {$50.00}, totaling {$100.00}, stolen by a person claiming to be my son. My son was XXXX and I have not seen him or spoken to him for almost XXXX years. He also does not even know that this bank account exists. Also, even if he did know about this account, he would never transfer money out of it without discussing it with me first. I told the fraud team at the bank all this information and they called me a liar. They said that the person who took the funds out of my account was in fact my real son and his name was XXXX XXXX. First of all, that is not my son 's name. And second, I don't know anyone by the name XXXX XXXX. No one has ever used this account except me. No one knows about this account except me. The message from the bank said I would need to discuss this transaction with XXXX XXXX. I do not know anyone by that name. And no one has my permission to take money out of my account. The fact that the bank fraud team were denying my claims suggests to me that there are suspicions for bank fraud. I also show that there is someone accessing my online banking from a XXXX computer using a XXXX browser. They are hacking my account. I do not ever use or own XXXX products. This could very well be the same person that fraudulently transfered funds out of my account. I would like to get to the bottom of this fraud claim and have the funds that were stolen fully reimbursed to my account.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This pertains to Paypal 's 'frictionless ' payment platform that automatically makes all platform users available to receive payments by default via their email address. Users do not have a way to turn this feature on or off and are consequently saddled with the fees and obligations that go along with that if a sender disputes a payment. There is currently no way to opt out. Basically as a paypal account holder, my email address is 100 % available for anyone to ( a ) send me a payment ( b ) dispute the payment and ( c ) leave me with any associated fees. 

On XX/XX/XXXX I received a " final reminder '' email from Paypal about a buyer who had sent {$51.00} to my paypal account using my email address. I have a very simple email address on gmail which people routinely send emails to mistakenly. I did not invite this person to send me money and I am not a seller of anything. Next this person 'disputed ' the payment to reclaim their money and Paypal ended up charging me a {$16.00} fee ( {$1.00} transaction fee + {$15.00} dispute fee ). The fee was waived after a lengthy conversation with customer service over XX/XX/XXXX and XXXX where I was told I was getting a " special exception '' as a long-term customer. Paypal in their self-interest toward 'frictionless ' payment does not allow *any way* for account holders to prevent people from sending you money erroneously and then disputing those payments. I can only block specific senders, I can not turn off this feature.
Consumer complaint received 2023-10-30
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. (KY)

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 XXXX XXXXXXXX Account 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 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

My XXXX XXXX XXXX did not know what he was doing as he was clicking the " buy '' button on his XXXX controller and by mistake, charged over {$4500.00} to my debit card. 
The money came straight out of my checking account and when we called XXXX, they told me I had to call the bank to have them reverse the charges. Anyone can call XXXX and verify this is exactly what they tell you. As soon as we did this, XXXX cut all of the access off to my son 's XXXX. He lost every single game I paid for over the last 2 years. The bank declined the charge back even though this was an error and XXXX honored the mistake by cutting off his access to XXXX. 
My banker at the branch said this is not fair and had the fraud team open the investigation back up. She said, Truist will fix this. I put XXXX of dollars in the bank, I gave them my mortgage, car loans and business/personal accounts. 
The bank declined the dispute a 2nd time and XXXX said there is nothing they can do about it. So the money is gone AND the games are all cut off. So now I am out everything. This is highly unfair. If I file a dispute, I expect my money back. I give Truist all of my business and they do not even look out for me. They should be in big trouble for stealing my funds. I am filing as many complaints as I can. I want my {$4500.00} back. NOW.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NC)

I can see a identity theft of my account. I also had documents pertaining to my account with a XXXX and XXXX XXXXXXXX XXXX data breach reported to XXXX and my account was trialed without a jury and violated my account rights in litigation. I asked to follow up with my account and check my investigation out with my bank fraud papers. I posted some money to my account and received a bank report erroring my account. Some reports from XX/XX/2022 showing XXXX XXXX XXXX hacked my personal account with bankruptcy errors leaving my account unstable with XXXX XXXX and XXXXXXXX XXXX XXXX. Showing my report was declaring fraud from XXXX XXXX XXXX and XXXX XXXX research. Cryptocurrency from my XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : 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 2023-10-31
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. (IA)

Last week i spoke to a rep regarding needing information that had my loan repayment amount and when the next annual review date would be so I could proceed with buying a house. I was not able to get the correct payment amount without the next annual review date. The rep was not able to access this information to me without submitting this as a correspondence letter. He said they are able to generate this as an email. He had not mentioned how long this would take. I contacted today, XX/XX/XXXX to follow up as I am signing a purchase agreement with a closing date of XX/XX/XXXX, that needs the annual review date they have given verbally over the phone. I waited 3 hours on the line and spoke to 3 supervisors that were not able to give me this information via email and said the letter would be reviewed to send in 7 weeks. We informed them about the closing date and the need for the letter. They have all the information and kept telling me my review date was XX/XX/XXXX and I asked if i could get a pdf scan of that page to submit while i wait for the letter and they said it has to go through a different company. I need this letter to close on a house.
Consumer complaint received 2023-10-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (MD)

Lendmark Financial continues to call my employer. My human resources department and any line in the company. They are harassing my family with daily phone calls as well. I have sent numerous communication via email and told them on phone to cease calling. this has not stopped.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2023-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

On XX/XX/2023, I contacted Chime bank after receiving an unsolicited debit card in the maIl that was attached to a checking account. I asked the representative to provide me with account opening details such as when and how was the account opened. Or was this an unsolicited account opened by Chime using my information. The representative advised me that they could not provide me with that information, but proceeded to send me an email closing the account with asking for my information. I again asked the representative if Chime is opening unsolicited accounts and she repeated that the account was closed and could not provide additional information.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, XXXX I attempted to purchase a round-trip set of airline tickets thru XXXX. I received emails shortly thereafter stating that my transactions had n't gone thru. 

However, the charges for the tickets were already pending on my card at this time. 

Given that I did not want the cost of tickets to hike up, I proceeded to purchase my tickets through an alternate service at that point. I emailed the customer service email address supplied by XXXX to request that that the charges not be attempted again, though they did not respond. I also called their customer service phone number and their agent tried to reassure me that the purchase of my flights actually had gone thru, despite the emails I received. 

The amounts of the charges were {$23.00}, {$170.00}, and {$170.00}. 

I made it clear to XXXX 's customer support via telephone *and* email that given the confusing emails I 'd received, I 'd already made alternate arrangements. 

XXXX falsified documentation in the fraud claim I made to my bank and my bank has apparently sided with them in this case. They made this decision without consulting me, nor asking me for any documentation or proof of my claim. This would be the first time in my history with this bank that a fraud claim was *not* decided in my favor. So it is quite clear that I do n't make a habit of purchasing items and then charging them back. I am in the XXXX XXXX myself, not to mention that that, in itself, *IS* fraud. 

I have already notified my bank that if this case was not decided in my favor, that I would end my relationship with them. Of course this is a major inconvenience considering the age of my account and how I, historically, have ranted and raved about how awesome their customer service was. This changes everything I think about the bank. I will proceed to take my business checking and savings needs elsewhere if this is not resolved via CFPB. 

I will also take legal action to recover the funds I am missing as a result of Bank of America 's lack of due diligence when it came to investigating this blatant fraud perpetuated by XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX XXXX XXXX was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and XXXX accounts so far.
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

Due to some complications we received from a previous lender, I decided to move forward with XXXX XXXX from Sunwest Mortgage as our new lender as he assured me that we would close on time and there would be no issues. On the day before closing at around XXXX, he decided to call me and tell me there was an issue and that I had to bring another $ XXXX to closing to get it fixed. As you can imagine, this threw me completely off guard because two days prior to closing everything was fine and Sunwest confirmed we were good to go. 

Due to this nonsense and the company 's evil practices, we had no choice but to ask the builder to delay closing to figure something out. The builder in turn, was not going to delay closing and were planning to charge {$250.00} per day for the extra time. This of course led to us having to cancel our contract because we did not have the extra funds, nor were we given any help in attempting to fix it. 

Sunwest Mortgage company has now cost me my deposit ( {$5000.00} ) and {$600.00} due to the appraisal I had to order because they were unable to switch it from the other company. I am now without a new house to move into and having to explain to my XXXX XXXX XXXX son that we must find an alternate location to live due to the incompetence of Sunwest mortgage.