davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NC)

On XX/XX/year> I filed two disputes to SoFi banking for an atm error in which my funds were not dispensed. They violated the terms of Regulation E. Avoided contacting me following up with emails, applying my provision etc. A man by the name of XXXX finally emailed me today saying that my disputes doesnt fall under regulations E which is absurd, outrageous, insane lie for them to try and cover their tail. My dispute does fall under that regulation as it was an authorized erroneous transaction! I found they have done this to many others and they try to continue to get away with this. They should be liable to pay the fines of violating Regulations as well and providing my provisional credit.
Consumer complaint received 2024-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

XXXX keeps sending me statements for a balance owed. However, I repeatedly told them that I don't owe any money. All my term bills to XXXX were fully paid for in cash. 

Additionally, I can't even find the account mentioned in the letter on my online account. 

Also in regards to 2022, any classes taken even part time were paid for by a graduate assistantship. It was fully funded by the University. 

I am attaching all relevant documents.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XXXX XXXX, XXXX XXXX was asked to send a check in the amount of {$6000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was to be a Qualified Charitable Distribution as part of Required Minimum Distribution of the Inherited IRA Account. 

That check was never received by the XXXX. On XXXX XXXX, XXXX was again contacted and told to stop that check, issue & send a new one to the XXXX. 

The XXXX XXXX check was never received, and though XXXX was contacted in XXXX to ask further action, they never did anything. 

On XX/XX/XXXX, I contacted XXXX and asked them to send the {$6000.00} to a different address, that of the XXXX 's XXXX by next-day air so that they payment could be tracked. They asked for an uploaded document with signature containing the address, etc. This was done immediately. 

Since then, I've contacted XXXX many times to find out the status of the request. Today, XX/XX/XXXX, I was told that the XXXX XXXX check was cashed. I indicated to them that this was fraudulent, that the XXXX has never received it. I asked them to fin the cancelled check, see who signed for it and the bank that cashed it so that the fraudulent activity could be followed-up. 

I am still waiting for an answer. This whole process has lasted over 5 months, and caused me to make numerous calls and spend many man-hours. Many of my calls to their customer service have been dropped.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have attached notification I received from the bankruptcy court stating that they do not provide information to third parties and I did not give them permission to have it. Under the Privacy Act of 1974 and Opt out laws, any authorization you believe you have is no longer valid and it needs to be removed from my credit report within four days.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NY)

Received call from debit collector agent Back in XXXX unprofessional comments were made I was asked by The Agent on Phone call What Amount I can pay I responded That I couldn't agent 's comment to that answer was in exact words ( well Why did you open the line of credit Then )/ Call was Terminated by me XXXX received call from collector Again was held on phone for 20 minutes I Asked multiple times to send email and or mail. I updated contact information. supervisor of company intercepted call with agent and also was unprofessional. comments were also made by supervisor about other dept on my credit report. very harsh and unprofessional comments were still being made even after I requested and updated information with collector after 20 minutes call was disconnected by me. I have not received anything via email as I asked collector 's supervisor/ claimed as we were on the phone that she was sending email and continued to basically bagger and threaten/ held hostage Phone call.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I applied for chase united card I received it send documents after every transaction they asked me to call and verify that account actually belongs to me every time I passed verification but now the account is on hold and review. This is nonsense I already sent my documentation twice.
Consumer complaint received 2024-01-27
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 have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at Trans Union and the other credit reporting agencies. The debt collector is XXXX, XXXX in the amount of {$650.00}. Trans Union stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector XXXX XXXX.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I was locked out of my ally account for no apparent reason. I use Face ID and supposedly Ive entered my password wrong multiple times but I dont use a password. I called customer service and theyre no help I keep getting the same answer and I have no access to my funds, its just weird how I got locked out of my account for having it less than a week and nobody can give me an answer on how long this process will take.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX  XXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Chase had given me on my account XXXX dollars on XX/XX/year>. I didn't report this to chase because I believed it was the XXXX rental company giving me my deposit back for the rental I just returned that day which cost XXXX dollars plus a XXXX dollar holding fee. I rented longer than I expected so I was surprised when the money was in my account. However, I didn't notice until today that the money was never posted to my account. I woke up today and there was XXXX dollars missing out of my account. I looked and realized that the XXXX dollars was never in my account like it had been seen on XX/XX/XXXX so I was using money that I didn't know I didn't have because chase was showing me that I did have those funds and even sent me email alerts showing my account still in the positive after every use so the system itself registered the money as being in my account ; hence, why the overdraft protection never stopped my card even though it should have. I tried explaining this to chase but to no avail and no one knows why or how the XXXX dollars appeared in my account. They took that XXXX from me for thier systems mistake and claimed that it was because I didn't report it despite me telling them I didn't know it wasn't XXXX giving me my money back until today when XXXX was taken out of my account on payday and I told them that for the past XXXX  days my account never reflected a negative balance either because it was still registering the money that appeared into my account. Thus amount was never posted on my statements or on thier side. I just wanted them to fix the problem and refund me the amount instead of making me pay for thier systems mistake. I have screenshots of every email alert they sent me with the amount showing I was in the positive depsite the money not being posted to my account. Either way I was guaranteed I was never going to be over drafted because I opted out of overdraft protection from the bank and got it to go into my savings. However, if the savings have no funds then the card is to decline any purchases from being made.
Consumer complaint received 2024-01-27
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. (GA)

There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX  # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX XXXX # XXXX {$2800.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. I told Transunion to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, Account : XXXX XXXX XXXX # XXXX, Account : XXXX XXXX  XXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

I would like to remind XXXX XXXX XXXX  of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information.

12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

XXXX XXXX XXXX  have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is the email I wrote to XXXX : I am writing to formally request your assistance regarding unjustified charges applied to my recent car rental through XXXX, booked via XXXX. When I reserved the vehicle, the stated and agreed upon total was {$220.00}, a price confirmed as final. 

Upon arrival at the XXXX airport, the counter agent updated the total to {$310.00} after including toll charges, which already seemed excessively high.Despite my objections and suggestion to handle tolls directly, I was informed of an additional {$10.00} fee per toll if not processed through XXXX, prompting me to accept the toll charge of {$74.00}. However, this does not account for an unexplained surplus of {$20.00}, contradicting the agent 's assurance that no other fees would be added. 

Furthermore, upon exiting the rental facility, another agent presented a final charge of {$410.00} a stark and inexplicable increase from just moments before. This sequence of charges not only lacks transparency but suggests a deliberate overcharge. Such practices are not only unethical but potentially fraudulent. She was very rude and would not explain to us why the charge went up. 

Given these circumstances, I am compelled to dispute these charges through my credit card company unless a full refund of the unwarranted fees is processed promptly. I urge your immediate attention to this matter to avoid further escalation and to maintain customer trust and satisfaction. 

Please confirm the processing of my refund at your earliest convenience. Thank you for your prompt attention to this serious matter. 

I submitted to BOA as a fraud claim and they denied it saying I signed the receipt which is not true. I did not sign anything upon leaving the parking lot when the price was unjustly raised.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On or around XX/XX/year> I noticed a letter in the mail from Portfolio Recovery Associates , LLC claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with Portfolio Recovery, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

On XXXX XXXX XXXX, there was money paid to XXXX for the amounts of : {$4100.00}, {$3900.00}, {$4000.00}, {$51.00}, {$51.00}. I called Allybank because I received an email from Ally bank about fraud activity. I told them that I did not make those purchases and that in early XXXX I had lost my phone which had access to all my passwords and applications to my bank account, credit cards, and other applications such as XXXX. They said they would investigate then a few days later I called to follow up and the Ally representative told me they did not believe me. During this time, I asked for all my statements because they closed my account, and I did not have access to it since XX/XX/XXXX. I was unaware of what had happened. 

I then logged into XXXX and see the following charges from XXXX to XXXX. {$3900.00}, {$340.00}, {$95.00}, {$3800.00}, {$50.00}, {$50.00}. I sent ally bank and email showing these discrepancies and screenshot of my communication with XXXX to XXXX XXXX case number. XXXX told me to work with Ally bank to raise a chargeback regarding unauthorized funds. I have not received any communication from Ally bank about a copy of my statements or this fraud case. It is not clear what investigation they did and why they are telling me they do not believe me. It is clear that the charges were unauthorized, and someone got into my lost phone and had access to all of my financial information.