davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/year> XXXX separate fraudulent withdrawals were made from my Citibank account. 
The fraud occurred at a Citibank branch ( XXXX, NJ ), which I was never at and did not authorize. 
The fraud involved an unauthorized teller withdrawal in the amount of {$5000.00} ( claim # XXXX ) and a SECOND unauthorized withdrawal from an ATM machine, in the amount of {$800.00}, which followed a few minutes after the {$5000.00} fraud. 
The unauthorized {$800.00} withdrawal is referenced as Citibank claim # XXXX. 
Citibank has refunded me for the fraudulent {$5000.00} teller withdrawal, but refuses to refund the {$800.00} ATM withdrawal. 
In support of my fraud claim, I have supplied Citibank with : ( a ) my letter dated XXXX ( b ) Statement of Unauthorized use on Citibank form ( c ) my letter dated XXXX and ( d ) a police report. 
It appears the fraudster was allowed to withdraw {$5000.00} in case AND validate a fake ATM card on XXXX which was used to withdraw {$800.00} from a " checking plus '' overdraft account. Citibank claims the " checking plus '' withdrawal is " normal '', but I have not utilized this overdraft account for approx. 500 days ( according to Citibank branch manager in XXXX NY - near my home ). Citibank 's refusal to honor the {$5000.00} claim, but dishonor the {$800.00} claim makes no sense to me. I will attached the documentation noted above. Citibank has not advised me if they checked any bank video to confirm I was not in the XXXX NJ branch on XXXX. I would greatly appreciate your help to have the {$800.00} ATM fraud refunded. THANK YOU.
Consumer complaint received 2024-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (TX)

The PayPal Credit website advertised on their website under FAQs that I could open a PayPal Credit LOC to payoff another Credit Card or simply transfer to friends within PayPal. I could NOT transfer this LOC to my bank account, CC, paypal friends, or Paypal wallet. I sought support from customer service at PayPal Credit. They were unable to provide a solution even after escalating to Account Manager XXXX. Then I asked to file a formal complaint with their compliance department for running my credit for a falsely advertised product. They gave me a new phone number and said they could not help. I called the new number XXXX and spoke with a representative and they were also not able to help when I asked to file a formal complaint. She cold transferred me to another representative who denied being able to help and cold transferred me back to PayPal Credit 's customer support as if sending me into an endless circle that would in no way shape or form help me or allow me to file a formal complaint with either companies compliance departments. 

I also requested a chat transcript between XXXX and XXXX from XXXX minutes ago and Paypal Credit said I had already not filled out their survey and requested the chat transcript at that time and therefore it was not available anywhere. 

I ended THIS chat and filled out the survey and clicked submit survey and it closed the chat window again without a transcript. This is SUPER shady. They are trying to hide their own interactions with consumers to help avoid legitimate criticism.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have multiple mortgages for investment properties and all the lenders require active response to remove my name and personal info from being shared with 3rd party affiliates. In most cases I'm required to fill out a form and sign and send back to request my info to NOT be shared. This is devious as they make it difficult and time consuming process to protect our privacy.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/year> I was alerted by Wells Fargo bank that there had been a fraudulent charge to my debit card of {$10000.00} that I did not authorize. I quickly called Wells Fargo and agreed with them that it was unauthorized and told them it was fraudulent and disputed it using my Wells Fargo online account. They considered it fraudulent I know because they notified me that it was and advised me to destroy my debit card and request a new one immediately which I did. Wells Fargo advised me that it would take up to 10 days to complete the process of returning the funds to my account. Wells Fargo has not reversed the fraudulent transaction and restored my funds to my account. Wells Fargo also advised that they would mail a letter after they have resolved the issue and I have received no communication from Wells Fargo. I have called their customer service and requested to speak with upper level bankers in the fraud department about my case number XXXX and was told that I would receive a call back from the Wells Fargo agent that is assigned to my case with the above case number and that the Wells Fargo agent would call me back in 24 to 48 hours and they did not call me back. The supposed company that fraudulently removed the funds without my authorization is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and their phone number is XXXX. I have tried calling this phone number with no response by a person and the automated system leads to nothing useful.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (MA)

I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/year>2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/scrub> 2024.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent out XXXX XXXX Letters for all negative items being reported on my credit reports, with all XXXX major bureaus, on XXXX, XX/XX/year>. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The XXXX  day response period expired on or about XXXX, XX/XX/year>.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Debt Collection Company : Resurgent Capital Services Address : XXXX XXXX XXXX XXXX MI XXXX Phone : XXXX Amount {$1600.00} Date : XX/XX/year> Reference XXXX I received several emails from LVNV Funding LLC states that I owe them {$1600.00} from XXXX XXXX XXXX. When I received that, I immediately printed and ask to verify the debt which I owe. Now I received emails from Resurgent Capital Services states state the debt from LVNV Funding is placed with them. I also printed and sent a request to verify the debt which I own from XXXX XXXX. Everything I have done my mail, so that I have the record. Resurgent sent several letters for the debt which I owe with the bank statements for several months, but they failed to supply the proof that I own them the debt. I am waiting for to reply which they did by sending a letter states that " If I don't pay the amount in six months, they will put my account into a " prelegal ''. I think I know this, law suit ''. I want to complain that the company made a thread to me because I have failed to disclosure the debt which I owe to the XXXX  XXXX. I under super stress right because of this letter. I have six accounts under collections, and I don't how to pay them. I do have a job, but it now enough to cover all these debt collections. I know I am in bad situation, but I just make that every debt wants to collect a debt, I want to sure that I not part of statistics of been scammed. I always ask collector to verify the debt, before I pay any penny.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (GA)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of XXXX XXXX XXXX. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to XXXX XXXX XXXX ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2024-08-25
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. (HI)

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

Sponsored Listings XXXX XXXX XXXX XXXX XXXX XXXX PREMIUM ( XXXX ) XXXX XXXXXXXX XXXX Real Estate Law, Business Law, XXXX XXXX XXXX XXXX XXXX Profile XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, Business Law, Real Estate Law Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, Personal Injury Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MD)

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Venmo accepted a request to transfer from my account a {$1200.00} payment to an erroneous account that doesnt exist. It shows the transfer as pending and Ive tried to take back the money. It acknowledges the account does not exist and its trying to get the recipient to create a new account in order to obtain the funds. 

Venmo knows the transaction payment should be refunded to me, but its hoping to get a sale by a desperate recipient to create a new account. Meanwhile, it tells me to try and take it back after several days but never gives me any details. Ridiculous Customer Service provides no information. Beware of using Venmo because they wont tell you that the account youre sending money to doesnt really exist.
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/year> paid my loans in full a total of {$6400.00}. This was followed by a statement from edfinancial of being paid in full the following month ( attached below ). In XXXX, my account was drained a total of {$6700.00} for the initial amount plus interest accrued and the money that was paid was then deemed reversed by the system. The reversed money was never and no notice was sent about the change in the account until they sent me late notices. After months of multiple inquiries with their service department I have received no information nor refunds for the money I was double charged or information as to why I after being given notice I was paid in full, the money withdrawn from my account and a XXXX balance that they put the balance back, added interest and then charged me again without a refund. 

For context as well, the account attached was the exact same both times and unchanged during this process.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

Background : 1. Vehicle Purchase : I purchased a vehicle from Toyota on XX/XX/year>. The vehicle experienced a XXXX battery failure the very next day ( XX/XX/year> ), and I have the receipt for the battery replacement. 


2. Warranty Issues : I submitted a request for reimbursement of {$200.00} for the defective battery, which was refused by Toyota, despite having direct warranties and protections under XXXX XXXX implied warranty laws ( XXXX XXXX XXXX XXXXXXXX ). 


3. Credit Reporting Problems : On XX/XX/year>, I discovered a charge-off on my credit report from Toyota, which resulted in a significant drop of XXXX points in my credit score. I've made multiple reports to credit bureaus, including XXXX, regarding this issue, yet Toyota continues to certify the accuracy of the charge-off. 


4. Debt Collection : The debt related to my vehicle has allegedly been sold to XXXX XXXX XXXX, but I have never seen XXXX listed on my credit report. XXXX has sent me documentation related to my Toyota loan, GAP insurance payment, and a claim of {$260.00} in pre-existing damage that wasnt covered. 


5. Consumer Rights : I believe that both Toyota and XXXX XXXX have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by failing to correct inaccurate information on my credit report and possibly engaging in deceptive practices.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (NY)

This complaint is in regards to Ally Finacial and my account number with them is XXXX. 

My mother and I jointly bought a XXXX XXXX XXXX, it was surrendered to the bank and sold at auction, leaving a final balance of XXXX dollars. She told me she would take care of rest. A year later I checked my credit report ( i know fault of my own ) and noticed she never made a payment. So I am now attempting to pay it off on my own since it is also in my name, but any time I call Ally financial ( XXXX ) they transfer me to a different department and ultimately after 3-4 transfers i get to a department that is closed and am told to call back the next day, I've done this for 4 days now and I keep getting nowhere with this company. they tell me they tell me the asset retention team will help me but after XXXX voicemails and multiple calls to their department during their business hours I get their voicemail and have yet to talk to anyone in that department. They can see my account, see that i owe them money, but are not interested in helping me whatsoever
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently checked my credit reports with XXXX, XXXX, and Equifax and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; all other addresses are erroneous. There is an account listed on my Equifax report as XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is erroneous and must be deleted immediately. There is an account listed on XXXX, XXXX, and Equifax as XXXX XXXX XXXX XXXX XXXX, which is listed as a charge-off, The IRS Clearly defines XXXX charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. Delete this account immediately. There is an XXXX from XXXX XXXX XX/XX/year> that appears on Equifax that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.