davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern & Stern. P.C. (NY)

I owed money, I am not even sure how much to XXXX and it ended up in a debt collectors/attorneys office. He took me to court which I was notified about and put a judgement in which I was not notified about and froze all of my accounts. The debt is now {$2200.00}. I had an account with my XXXX son when he was younger and he never removed me. They have now frozen his account which his paycheck gets deposited into. They have frozen {$4500.00} with no end date which means they can hold my sons money as long as they want and it is in excess of amount owed. This is abuse of power and theft. I have called bank numerous times and my husband called Stern and Stern to no avail. They are abusive when you call them. This needs to end and my sons money returned. Companies should not be allowed to do this
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Notice Of Dispute : This is in Reference To Account # XXXX ( CAP ONE AUTO ) Dear CAPITAL ONE AUTO, I am writing to dispute the reporting of an alleged late payment on XX/XX/year> that has been reported on my credit report. I never received any notice in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements! 
I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged late payment on XX/XX/year> to an On-Time payment ( OK ) or No Data ( ND ) immediatley! Please update the modification with ALL credit reporting agencies.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I have been a victim of mail theft and check forgery of my Citizens checking account -check # XXXX. I wrote this check to pay my XXXX rent in the amount of {$1700.00} and mailed it at the drive up mailbox at the XXXX CT post office located at XXXX XXXX XXXX. I was notified on XX/XX/XXXX by my landlord that my check was never received. I immediately logged into my Citizens account and discovered that my check had been stolen and forged to an individual unknown to me or my landlord. 

I reported this to the Citizens Bank fraud department and then went to the branch located at XXXX XXXX XXXX XXXX in XXXX to put a hold on my account to prevent any further fraudulent activity. I then went to the XXXX Police to file a report but they said it was not necessary as it was a Postal Service and Citizens Bank issue. I then contacted the USPS inspection service and filed a case with them concerning the mail theft. I was informed by them that drive up mailboxes are not secure and that I should never use one because people go fishing in them looking for opportunities to commit theft and forgery. 

I received a letter from Citizens Bank fraud department on XX/XX/XXXX that they determined that no fraud was committed against my account and therefore my money would not be refunded. 

Looking at the forged check compared to other checks I have written to my landlord clearly show my signature does not match nor does any of the writing on the check. The paper of the forged check also looks very different from the paper of my other checks and I was told by the USPSXXXX that this is because the check had been washed of my ink or the check had been copied. 

Through the course of conversation with the USPSXXXX and Citizens Bank it became obvious that this is a known problem to them but not to the consumer. This approach by Citizens Bank is entirely unfair to checking account holders because I was told if this were a credit card or debit card issue it would be covered. 

This was my rent check for {$1700.00} that now i have to endure this hardship of paying my rent twice! Many seniors like myself still write checks and it is just not fair to us, or for that fact any checking account customer, that there is no relief from the bank for this type of fraud. 

CFPBs help resolving this matter would be greatly appreciated.
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (AL)

A collection appeared on my XXXX credit report on XXXX XX/XX/year> for Payliance. On XXXX XXXX on XXXX forPaylaiance. On XXXX XXXX for XXXX for Cybrcollect. All referencing XXXX for XXXX. I filed a report with my local Sheriff 's office on XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-06-10
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. (CA)

I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Credit card has a special rewards within certain time such as XXXX coming. I have to use my credit card during thsi time to avail of the promotion for a bigger cash back but this never happened. Nothing came back to my rewards amount and the promotion just disappear from the site.
Consumer complaint received 2023-09-14
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

On or about XX/XX/2024, I spoke to multiple representatives and made a payment arrangement of {$100.00} monthly and provided authorization for automatic withdrawals from my checking account starting XXXX XXXX. I was advised my account would be closed, interest rate would be reduced to XXXX  % and after 3 payments my account would be marked current. 

My XX/XX/XXXX payment was withdrawn from my account and posted. I noticed my XX/XX/XXXX payment was not posted and I called Ally Bank. The representative stated the employee made an error and she should never have placed me on the arrangement, even though Ally sent me a letter confirming our arrangement, representative stated my account was charged off and sold to XXXX XXXX. I called XXXX XXXX and they stated they did not have the account. 

I called Ally Bank and advised the representative their employee made an error and they had to honor the arrangement. Then I spoke to a supervisor and she stated she would escalate my complaint and would have someone call me back. 

No one called me back. 

Due to being a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my former assistant XXXX XXXX who works for Ally Bank now. I explained what happened and the error that was made and she escalated my complaint to the Office of the President and they called me and stated they were going to conduct an investigation of why the error happened and get back to me. They stated it would take up to 30 days and I havent heard back yet.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I took a taxi from the airport in XXXX to the XXXX XXXX on XX/XX/2022. I was told the charge would be {$25.00}, but when I paid for the trip I was told that the credit card would not process so I paid cash but did not get a receipt. After I left the cab, I received a fraud alert from Bank of America regarding XXXX XXXX XXXX card, saying that two attempts had been made to charge {$5300.00} to my card. I cancelled the card immediately and filed a dispute. I have spoken to Bank of America at least ten times and written a detailed description of the events. Bank of America has reviewed the case but continues to deny my claim both through the dispute and the fraud process.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WV)

I had my account set up for automatic payments and the payment did not go through for the month of XXXX. I was never contacted via phone, mail, or email to notify me of this, and the company immediately suspended my spending privileges for extreme past due payments. As soon as I realized the payment was never taken from my linked checking account, as it had been every month prior, I made the late payment, all associated fees, and the payment for the month of XXXX. I have since paid the card balance in full, which I was told to do in order to get my account reinstated, and I am still being told that my account is severely past-due and close to being sent to collections.
Consumer complaint received 2024-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My school has received their tuition and it's been paid in full since XX/XX/XXXX when my first disbursement for financial aid should have came out and now we're here in XX/XX/XXXX and his coming gone and the school has been paid off in full for some recession when the summer session XXXX and yet I've never received any financial aid and now they're claiming that they might review it and I may not receive any financial aid because I stop attending class due to a accident that I was in getting struck by a vehicle on my bicycle on XX/XX/XXXX so I want to know if I owe Nelnet this money and I pulled a loan from them why is it that the school gets a dictate the remainder of that money which is to be given to me is financial aid why is it they get to dictate how much it is I get when I got the loan in my name and I have to repay that and I have a repayment date and everything so that doesn't make sense that sounds pretty shady to me
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Great American Finance Co (PA)

I received a store card from XXXX XXXX through Great American Finance, and they have been violating the terms of my financing agreement by calling me every month demanding I add my banking information again - stating it hasnt been added correctly. They are then charging me two and three times a month via ACH and when my bank denies the extra payments because they are duplicates, Great American Finance charges me NSF fees.

They also call and demand payment over the phone even though I have automatic debit on the account every month. The calls are almost always come from offshore outsourced agents.

They are also refusing to provide me with monthly statements, and Ive not received one since they started taking unauthorized money from my account multiple times a month.

I am an older woman with a disability and they are trying to pull one over on me and take advantage.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Upgrade, Inc. (KY)

My payday from my job was XX/XX/year>. I got paid late afternoon on XX/XX/year> and everything was fine. I paid some bills, locked my card and went to bed. Got up for work, got gas and some stuff for inch, breakfast and headed to work. Everything was fine then. I locked my card once I got to work. I checked my account around XXXX to find out my accounts had been suspended and my debit card is locked. I took a lunch to make a phone call and no one can tell me why or how I can get access to my funds. Im told I need to wait for email communication. I opened my email to find a vague email stating it was suspended for suspicious activity. I email them back, and Im told my account was under review and that I would receive email correspondence once done. I called again after I got off work, and was told it the back office stated it was suspicious transactions, but still no answer about as to what or why. Ive had issues in the past where the bank has sent text and have called to verify transactions but I wasnt given any information about anything going on with my account. I cant use my card, I cant transfer money out of my accounts. Im not able to do anything and no one has contacted me to explain to me as to why my account is under review. I have children. I am a XXXX XXXX of XXXX XXXX under the age of XXXX. I have bills, and I have an apartment I pay rent for. No ones been willing to at least let me transfer my funds out of that account so I can continue to provide a roof over me and my children head. I want answers. I want to know why this is happening and why there isnt anyone I can contact via phone to try to resolve this issue.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (VA)

I have no Idea I contacted chime to see if I can get a card and they told me I can not come and they told me basically it was already one of my names to send a copy of my ID as well as the last four of my social
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

I ordered a product from merchant XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX via Affirm. After a few weeks the merchant sent an email saying they were moving their warehouse and orders would take longer. I waited a few more weeks and made two monthly payments to Affirm. The merchant never sent it the order. I tried following up with them numerous times via website, email, and instagram but never received a response. I filed a complaint with Affirm but they said it was out of the time they give for refunds for such situations. I stopped paying the loan. On XX/XX/XXXX the merchant resumed posting on instagram. I sent a message about my order. They said they initially tried to cancel the order with Affirm but for some reason it didn't go through and that they would contact Affirm and try to remedy the problem. On XX/XX/XXXX Affirm corrected the loan in my account with a letter stating that I was never responsible for the loan and refunded my two payments. XXXX still shows me as having this loan as and that I still owe a balance. I disputed it multiple times but they say Affirm 's records show the information as correct. I complained to Affirm and they claim that because the loan was charged off they can not make any changes to the information. So even though according to Affirm 's own records and the letter they sent to me which I submitted to XXXX, I DO NOT OWE this money and was NEVER RESPONSIBLE for it because it was supposed to be canceled, XXXX refuses to remove it or at least correct the amount owed to {$0.00}.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I filed XXXX on XXXX. Case number XXXX. I have 8 accounts on all 3 credit bureaus that are reporting 90 day late. I was never late on any account, before filing. Accounts are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are all reporting 90 days late on XX/XX/2023. These are incorrect, and need to be removed.
Consumer complaint received 2023-07-10
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. (TX)

XXXX XXXX is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MD)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " 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. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-16
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)

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637B.XXXX CARD # XXXX OPENED XX/XX/2019 INCLUDED IS POLICE REPORT FILED AS REQUESTED.