davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/year>, {$2400.00} in funds was unexpectedly frozen from my account. I called Bank of America to ask about this, and I was told a claim was placed against me and that I would receive information in the mail regarding the claim. As of today, XX/XX/year>, I have received nothing in the mail. On XX/XX/year> an additional {$2400.00} was removed from my account for the same claim! I called Bank of America again and was told that since I had not responded to the claim, the claim was lost. I contacted my post office and was told that I have received all of the mail that was sent to me. Nothing was sent, and nothing was sent certified. 

I contacted Bank of America on XX/XX/year> and they acknowledged that I had XXXX holds for {$2400.00}, and reassured me that XXXX of the holds would be released within XXXX days, and that I would have an opportunity to despite the {$2400.00} claim. The {$2400.00} claim is not valid, and I STILL have no idea where this claim is coming from. No information has been sent to me. 

It has been XXXX days since {$2400.00} was removed from my accounts, and XXXX  days since now {$4800.00} has been missing from my account. This is just ridiculous! I am a busy person and I have made several phone calls to Bank of America. They have held nearly {$5000.00} for no reason. I have contacted an attorney who is interested in taking on my case, and was told to report this customer abuse to this agency first. I need help!! 

I have also contacted the news. Bank of America can not get away with doing this to their customers! I have banked with them for 16 years and never had an issue until now, but I am bringing my business elsewhere.
Consumer complaint received 2024-07-04
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: GOLDMAN SACHS BANK USA (FL)

Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$1000.00} I have open this dispute more than XXXX to XXXX  times already and they keep declining the dispute. I have provided all the necessary documents to get this taking care of. Spoke to managers and they reviewed the case and they say that they do agree with me, but it wasnt their decision to put an end to this dispute. 
I order XXXX dream house XXXX dolls from XXXX with my golden sax credit card. A tracking number to my order and the order says that it was received. 
Well, they attached a tracking number that went to a different address not my address and even on fedex.com. You can see a picture of XXXX box being delivered when I order XXXX of them. Based on the picture that is blue and my house has been yellow for the past XXXX years. I sent pictures of my house and requested Gold to take a look at that way they can take a look at the color of my house that has been the same for the past XXXX years. They have all the documents necessary to dispute, but they decline because they say that XXXX says that it was deliver, but when Im providing Evidence that that tracking number delivered XXXX package to a different house. Lets the package was delivered, however, there was XXXX pieces that were ordered. Only XXXX got the delivered where are the other XXXX since XXXX were bought. They have everything they need to resolve this problem, but they just keep pushing it and denying it.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TN)

Subject : Cease Unauthorized Credit Reporting Immediately Violation of Tennessee FCRA Identity Theft Laws Dear ALLY FINANCIAL, I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically governed by Tennessee state laws concerning identity theft and fraud. 

It has come to my attention that ALLY FINANCIAL has reported information to my credit report without obtaining my explicit consent, which is mandated by Section 1681b ( a ) ( 2 ) of the FCRA and corresponding Tennessee FCRA provisions regarding identity theft ( Tennessee Code Annotated 47-18-1101 et seq. ). 

Under federal law and Tennessee statutes, consumer consent is a fundamental requirement for credit reporting activities. Failure to secure such consent violates my rights under Section 1681b ( a ) ( 2 ) of the FCRA and Tennessee law, and may result in severe penalties outlined in Tennessee Code Annotated 47-18-1103. 

I demand that ALLY FINANCIAL immediately cease any further unauthorized reporting of information to my credit report. This demand is not negotiable and must be complied with within 30 days from the date of this notice, as required by law. 

Failure to act promptly and rectify these violations will be considered willful noncompliance and may subject ALLY FINANCIAL to legal consequences under the FCRA and Tennessee state law.

I expect your urgent attention to this matter and full compliance with federal and state regulations protecting consumers from unauthorized credit reporting and its damaging effects.

Sincerely,
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2022-11-23
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (PA)

on XX/XX/XXXX, My car was repossessed at my XXXX  job, after just returning to work from XXXX XXXX. I tried to make a payment online like I usually do and notice back in XX/XX/XXXX, that my Santander USA Consumer online account was locked, after making several calls throw out my XXXX  XXXX  even before XXXX XXXX Automated calls were coming through but no one answering or returning the calls until XX/XX/XXXX or XXXX, which I made a partial payment of XXXX with the representative. At that time I requested to have my account online unlocked. I was transferred and no one picked up so I called again 3 more times. The company is located in Texas so we share the same time zone. After the repossession, I made the call a female representative answered so they knew the car was in their possession, not a letter received or anything, the female representative stated that I would have to pay over {$4000.00} to receive the car and for them to think about reinstatement of the loan. The car note was {$770.00}. To no avail no assistance to have the payments put to the end of the loan. I kept getting calls while on XXXX  to buy back the car because of the low miles. They never gave me a location to retrieve any of my personal items from the car. I was set back terribly financially and I found out on XX/XX/XXXX after reviewing my account online that the car was sold leaving me with a balance of {$14000.00} on the loan and {$7900.00} past due statement.
Consumer complaint received 2024-07-04
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: SANTANDER HOLDINGS USA, INC. (NJ)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours (MO)

After having closed the account with them, they still tried to debit an entire paychecks worth of money, across XXXX different transactions, after my most recent payday. Their support team had no information as to how this happened, and stated that since the transactions had been sent it was completely out of their hands.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

The ACCOUNT ABUSE REPORTED BY XXXX XXXX  ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. XXXX XXXX  ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL XXXX XXXX  LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MO)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Subject : Claim # XXXX I submitted a claim earlier today about multiple unauthorized transactions on my PayPal account. Shortly after filing the claim through the Resolution Center, I received a denial notice via email. I was disappointed with how quickly PayPal rejected the claim. I then filed an appeal and requested documents and an explanation of their investigation process that led to their rapid decision.

Approximately 12 hours later, I received a response stating that my account was secure and that the unauthorized transaction claim was closed. However, I was not provided with any documents or further explanation about the investigation even after I sent them an appeal requesting for these documents. I believe PayPal is not taking fraudulent activities seriously. It's frustrating that they are not willing to listen and protect their customers ' money from fraudulent activities and instead leave the customers to deal with the loss of their funds. It feels like they are tolerating these behaviors, unless it's not in their best interest to resolve this matter. 

I also included in my claim that my phone was lost or stolen the day before these transactions occurred on XXXX. It contained my drivers license, credit cards, and a lot of personal information, including photos, memos, and passwords.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. 

I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Thank you very much for you time reading this case.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I am writing to add to feedback to complaint # XXXX. I have consistently communicated with this company ( webster bank ) about the financial struggles I was having to bring this account current and had been consistent monthly payments for several months at the time their decision to offset my checking account, I also made it known to them that I would make extra payments, when possible, to catch up. They knew I was struggling financially and still proceeded to execute an offset amount that completed depleted my account and left me with a - {$450.00} balance in my account and left me struggling to meet all aspects of my basic needs. In their response, they said they were sorry for any inconvenience their actions have caused, but I feel this was just a gesture to pacify a greater, disturbing problem. If they were truly sorry, I think they would have considered the fact that had been making consistent monthly payment at the time of their actions and trying to catch up, and to make a better decision about the amount they took from my account to offset ( {$1000.00} ).
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (IN)

I checked my bank account with wells fargo and seen that my account has been overdrawn unauthorize transactions has made into my account i contacted WELLS FARGO several times about this incident and that it be refunded back to me. They never responded back to the request I sent over to them
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Portfolio Recovery for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Portfolio Recovery Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Debt amount listed on consumer report : {$300.00} Date Opened : XX/XX/year> I have received a communication from Portfolio Recovery regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.