davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( XXXX XXXXt ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AL)

I have tried to dispute via XXXX this account during XX/XX/2021 when I noticed this on my credit report due to identity theft along with a few other accounts. This company has still continued to call, send letters, and made attempts to collect debt on this account that I did not open. This is very frustrating as well this is allowing my credit score to not thrive property as it should be.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I received a letter from The Huntington National Bank dated XX/XX/2021. The letter was received XX/XX/2021. A copy is enclosed. The letter was a confirmation regarding a new Asterisk-Free checking account. I did not open this account. 

This is a fraud scheme. 

I called the Bank today and spoke to a MsXXXX XXXX XXXX. She confirmed that my social security number had been used to open this account. She stated that the matter would be referred to the Bank 's Fraud Investigation Unit. The Reference number given to me is XXXX. 

I decided to also send this Complaint to your office. 

The Bank Officer advised me to destroy the Debit or AM Card, if received.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc (MI)

Recieved a letter from NSB collections stating that money is owed and if not paid they will suspend driver 's licence and have the licence plate removed form my car. I have no knowledge of any such dept.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I have attempted to log into my Experian account for days now. It is currently XX/XX/. I have reset my password multiple times but keep receiving the same error message. I have uploaded screen shots. 

Screen shot : Experian Page -This is the page I see and I simply go to create your account at the bottom. 

Screen shot : Experian Error - After a click create your account I receive this error message. I have tried resetting my password multiple times but can not get past this step. 

Overall, the most frustrating part is that the error message tells me to contact the Experian toll free number but when I call the " robot '' self-service can not help me and refuses to pass me to a human representative. The robot basically points you to the website to read the help section which provides no detailed information.
Consumer complaint received 2021-05-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

I have been trying to get this resolved since back in 2020, I am so frustrated and angry, because NISSAN MOTOR ACCEPTANCE CORPORATION want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me.NISSAN MOTOR ACCEPTANCE CORPORATION refuse to remove this fraudulent account from all three of my credit reports, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me. NISSAN MOTOR ACCEPTANCE CORPORATION said they are unable to locate an account with the information i provided, but yet they are still reporting this fraudlent account. They are asking me for a VIN number for a car i never owned. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which i never made, and is a violation of the FCRA which re-ages the account.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

National Credit Adjusters , LLC is attempting to collect a debt that does not belong to me. They sent me multiple letters including the attached notice on XX/XX/2021. I've attempted to resolve this by contacting the company requesting validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I also faxed this corresponsence on XX/XX/2021 at XXXX. ( See attached fax confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from National Credit Adjusters , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Consumer complaint received 2021-05-18
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: LEXISNEXIS (NC)

On XX/XX/XXXX I contacted Lexis Nexis on a bankruptcy on my file and the did a investigation and wrote a letter to me stating that they could not verify the bankruptcy and it was moved off of my file. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that were responding to my complaint I made on them, which did not have a compliant file on them, I now received a letter from stating this is on my report. I have attached the letter from Lexis Nexis.. Please review the letter and the first repose on XX/XX/XXXX that I received from Lexis Nexis. This should not be on my file. I have sent return receipt to XXXX  which I just received return receipt back from them on the same date that I received Lexis Nexis letter. Please remove this from the credit report.
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

AssetCare , LLC is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/2021. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from AssetCare , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021, I visited the TD Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I asked for the first 6 months of statements after my account opening. The branch employee I spoke to did not disclose the {$140.00} research fee. 

Once I found out about the fee, I didn't know what it was, so I called the TD Bank Call Center and spoke to a supervisor. The supervisor informed me that there is no way to escalate the call and there is no department to forward the complaints to ( everything on the line was recorded ). The call center supervisor informed me that I have to visit the branch to have the fees removed, even after I told the supervisor that didn't feel comfortable visiting that branch due to prior past negative experiences ( actually she told me that she would call in me in two days, but I never received a phone call ). 

On XX/XX/XXXX, I visited the branch directly and told them my issue. The employee said that it was a fee assessed by Corporate and that it wasn't her job to fix, and I told the employee that it was her job to disclose the fee to which she did not respond. 

I also feel that because I am an immigrant struggling with XXXX as a Second Language, I am viewed as vulnerable or XXXX.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

I had an account with Navy Federal Credit Union which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with NFCU was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMPUTER SCIENCES CORPORATION (MN)

Hi, what happened? For 6 years I have been on auto pay on the XXXX of every month. Check my account. Meanwhile I just got a letter stating my last car payment was past due.. Why was that not taking automatically from the account. I just paid online via XXXX XXXX for {$330.00} which should be my LAST payment since maturity date is XX/XX/2021. This is a glitch on your end and you guys should have automatically taken out the last one ... Why also was it {$330.00} and not the usual {$330.00}? Lastly, not only was this a glitch on your end, you also should not be reporting it to the credit bureau since I just paid online well within 30 days. .Please confirm and explain what went wrong. Also concerned you may start trying to continue to take from my account. I need the title and lien release. This car is now officially paid off. I should have a zero balance now.. please send all paper work for release of title, lien, etc.. 

I have been doing automatic since DAY 1 for 6 years!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Also you guys have a TON OF XXXX complaints. This better not go on my record. Looks like you just did same to someone else. This is your issue. 
This looks like attorney general should get involved. You have 36 complaints at XXXX  and looks like you have issues with releasing liens and people are losing transactions. Someone else you did same thing.. took money out yet told them they were past due. With me.. I was set up for automatic with drawl and you didnt pull the money out.. why not? 


SCARY.. these are your complaints. I believe your regulated by federal trade commission. Enough complaints there should be a class action.. attorney general and bank regulators will be contacted..
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (NY)

VIOLATION OF THE GRAMM-LEACH-BILEY ACT OF XXXX XXXX CITIBANK TORT COMMITTED BY CITIBANK AGAINST XXXX XXXX ON XX/XX/XXXX THROUGH PRESENT I WOULD LIKE THIS CONSUMER PROTECTION BUREAU TO INVESTIGATE THE TORT CITIBANK HAS COMMITTED AGAINST ME. 

I WIRED MONEY TO MY XXXX XXXX INVESTMENT ACCONT WHICH IS LOCATED AT CITIBANK. I SENT THE FUNDS OF {$4500.00} FROM MY CHASE CHECKING ACCOUNT. 

XXXX SAID IT WAS SENT SUCCESSFULLY BUT XXXX XXXX DID NOT RECEIVE IT. THE NEXT WEEK WOULD TAKE HUNDREDS OF CALLS TO TRY AND TRACK DOWN MY FUNDS TO NO AVAIL. 

FINALLY CITIBANK HAS COMMUNICATED TO XXXX THIS STATEMENT/QUOTE/ IN ACCORDANCE WITH OFAC GUIDELINES. 
PLEASE PROVIDE THE BELOW INFORMATION FOR XXXX XXXX IN THE REMITTER PAYMENT DETAILS FIELDS. 
. 
FULL NAME AND FULL ADDRESS OF THE INDIVIDUAL GENERATING THE HIT, INCLUDING CITY AND COUNTRY DOB OF INDIVIDUAL POB OF INDIVIDUAL PROOF OF CITIZENSHIP DESCRIPTION OF RELATIONSHIP BETWEEN ORIGINATOR AND BENEFICIARY DETAILED PURPOSE OF PAYMENT FULL NAME AND ADDRESS OF INDIVIDUAL 'S EMPLOYER, INCLUDING CITY AND COUNTRY ( IF APPLICABLE ) COPY OF INVOICE ( IF TRANSACTION IS COMMERCIAL IN NATURE ). 
FUNDS WILL BE HELD AWAITING YOUR URGENT REPLY. 
PLEASE ATTACH ANY NECESSARY SUPPORTING DOCUMENTS IN RESPONSE TO THIS MESSAGE REFERENCING OUR CASE NUMBER. 
FAILURE TO PROVIDE THE REQUESTED INFORMATION BY XX/XX/XXXX MAY RESULT IN THE FUNDS BEING REJECTED OR BLOCKED BY CITI. 
/UNQUOTE/ Please provide the above mentioned details as soon as possible to avoid any further delay of your payment. For all correspondence pertaining to this case please be sure to quote our XXXX XXXX XXXX, N.A. reference in your reply. '' THIS IS A VIOLATION OF THE GRAMM LEACH BILEY ACT OF 1999 THEY DID NOT DISCLOSE MY RIGHT TO PRIVACY THEY NEVER GAVE ME THE RIGHT TO OPT OUT OF INFORMATION SHARING AND THEY DIDNT EXPLAIN THEIR INFORMATION SHARING PRACTICES WITH ME. 
I SPOKE WITH XXXX IN THE WIRE DEPARTMENT WHO WOULDNT GIVE ME HIS LAST NAME. HE IS A TOUGH GUY BIG SHOT. SO I ASKED FOR HIS MANAGER XXXX THE WIRE SUPERVISOR EMPLOYEE ID XXXX I WAS SO RESPECTFUL WITH HER SHE WAS CORDIAL PROFESSIONAL AND NICE, AND MITIGATING RISK AS SHE SPOKE WITH ME. SHE DIDNT SAY ANYTHING OTHER THAN THEY ARE RETURNING THE FUNDS BACK TO XXXX ( WHICH HAS NOT HAPPENED AS OF THIS EMAIL ) SO LET 'S DO THIS BECAUSE OF THIS 100 'S OF THOUSANDS OF DOLLARS WILL BE SPENT BY CITIBANK AND OTHER GOVERNMENT INSTITUTIONS THAT WILL MITIGATE THIS FROM HAPPENING AGAIN TO OTHER XXXX 

FOR I AM A UNITED STATES XXXX XXXX VETERAN AND WE MUST LEAD BY THE FRONT CITIGROUP EXPECT A FEDERAL COMPLAINT FILED IN DISTRICT OF COLUMBIA CHALLENGING YOUR OFAC GUIDELINES INTERNAL POLICY. 

WE'RE GOING TO SEE IF XXXX XXXX WAS A GOOD HIRE FOR YOUR GUYS FROM XXXX. 

GET SUED SEMPER FI XXXX XXXX
Consumer complaint received 2021-05-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to close a savings and checking account and establish beneficiary IRAs from my deceased mothers accounts. I submitted the required documentation in XX/XX/2021 and continue to get nowhere with Bank Of America.

Estate services reference number is XXXX
Consumer complaint received 2021-05-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian keeps retaining credit card information on consumers and tricking them into signing up for paid memberships every time a consumer logs in or checks their credit report. I've repeatedly asked Experian to remove my credit card information from their system and my profile, because I have a free account and am not interested in their paid memberships. They refuse to remove my credit card information and I keep inadvertently getting signed up for unwanted paid memberships. Experian refuses to acknowledge my concerns and request because this is a scam that they use to gain profits off consumers monitoring their credit reports.
Consumer complaint received 2024-11-15
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX XXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
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. (MO)

I emailed the CEO of XXXXXXXX XXXX, XXXX XXXX and I also tried reaching out to XXXX who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose 74 points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by 74 points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW