davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (PA)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello, MY name is XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX my auto loan With XXXX ( account number : XXXX ) is being reported as {$18000.00} but its actually {$110000.00}. I guess someone made a mistake by leaving of an extra XXXX. On XXXX and XXXX its being reported correctly. But somehow Equifax is the only one with this error. please help me correct this. 

also equifax is reporting that it was a XXXX month term loan but it was XXXX months. 

Under the fair credit reporting act, I deserve to have my account reported accurately and fairly.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I went to Bank of America ATM XXXX on XX/XX/XXXX and tried to withdraw {$300.00}. I selected XXXX {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank ( XXXX ), which I did. The dispute was not in my favor so l asked for a review and submitted a statement explaining the issue. On XX/XX/XXXX I went back to the Bank of America to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again it was not in my favor. So I requested the evidence XXXX used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called XXXX again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didn't care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to XXXX Bank of America. I contacted Bank of America again on XX/XX/XXXX which still told me to contact XXXX. I explained to them XXXX doesn't care and won't do anything else since Bank of America gave XXXX a receipt. They said they will try to look into it and I should receive a call back in about three days but didn't have a way to open a dispute since my account was with another bank. As of the end of XXXX I havent received any more information or contact.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I hereby dispute the validity of the alleged debt listed below. I also request verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I've had different companies reach out to me about this same alleged debt. And when I sent Portfolio Recovery this letter they did not fulfill the request. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX XXXX. You must cease collection efforts until this alleged debt is validated. 

Portfolio Recovery XXXX They purchased this debt as a third party from XXXX XXXX XX/XX/23. I have NO BUSINESS WITH PORTFOLIO RECOVERY.
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AZ)

I received an alert of major negative on report. I have no debt and have not had debt for 7 years. I do not know this company or debt. They threatened me, they do not have my name correct and the R ruining my credit. I called them to tell them identity theft, fraud something is wrong. They said it was a debt from XXXX  from XXXX. That is illegal to collect a debt that was identity theft and reported since XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a safety deposit box on XXXX XXXX in XXXX ohio, XXXX. When I was there last week XXXX the point contact of customer service for the branch made fairly loud harassing comments while pretending to just talk to the tellers. He said he would be the one giving an " Auth '' if I was doing anything wrong in there if requested and that I must be. I was only in there for 5 minutes and he said I am bad for the bank while I was in there. I looked for him but he was not there when I was leaving. I think they are lazy and don't like the fact that I come in once every 3 weeks or so on average. I store flash drives there of my writing and don't want to be framed for causing trouble and kicked out of the bank. Next time I will address the issue if there is one with then but the branch is not a friendly environment and I did nothing wrong.
Consumer complaint received 2024-09-06
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. (GA)

I've received a copy of my credit report and see that there are inaccuracies. These remarks have had a negative impact and have been detrimental to my life and credit health.
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: ALLY FINANCIAL INC. (NY)

On XX/XX/2024, a series of fraudulent transactions totaling {$5000.00} was withdrawn from my Ally Debit card to a XXXX account I had used in the past but had not seen any activity for almost a year. I immediately called Ally but was told nothing can be done until all the transactions are posted. I then called the next day to dispute the transaction as fraudulent. Also, on XX/XX/2024 {$4500.00} was withdrawn from XXXX and stolen to a unknown debit card. Despite XXXX 's Security Guarantee they have refused to reimburse for the theft without explanation. Ally has also refused to offer any reimbursement because I had " a relationship with the Merchant ''. This is in direct violation of the Electronic Fund Transfer Act. Since the bank was notified of the fraudulent Debit card activity immediately, my maximum liability by law is {$50.00}. Ally has refused to offer any avenue for appeal or describe how or why they made this incorrect decision.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (FL)

My XXXX  and I have had an auto loan for the past 4 years with XXXX  without any issues happy customers had an online access and have made payments and never late up until XX/XX/2024 that my XXXX  had a XXXX  XXXX. We decided to open a spending/ checking and savings account for myself, husband and daughter who would deposit funds for us to help us out as well. It was no issue. In XX/XX/2024 I paid our auto loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX no issues. I also XXXX  XXXX XXXX  to our XXXX account no problem. On our joint account which only has about XXXX XXXXXXXX my husband zelled XXXX $ to XXXX of our neices XXXX XXXX XXXX Then the nightmare begun. They locked our accounts which by the way the auto loan and spending/checking and savings were all linked. I called to unlock/unblock the accounts and have access and more than 6 times it was always an issue even if I answered all Identity questions correctly. Now the issue is they still have to investigate thought again i answered all ID questions. We are so disappointed because we are retired, we thought we could have a small amount of funds in the spending and checking as well as savings that our daughter was so gracious to help us with and be able to make the car payments from one linked account to the other. The fraud department representatives thought i understand are doing their jobs they spoke to me as if i was a criminal. The hung up on me. I explained our auto loan will be late we need to access and i quote : she said that was not her concern : all representatives treated me harshly, cruel made me cry at XXXX XXXX XXXX. To that end I want to close our spending / checking and savings and have access to our funds and withdraw them so how. We will stay with our auto loan because that is whom financed us and we have never had an issue. Please help us we are desperate retired folks. Kindest Regards,
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

XXXX XXXX, a retired XXXX XXXX veteran currently receiving government benefits, has been wrongly labeled a felon by Fifth Third Bank. This false accusation has led to denial of a loan and has caused significant emotional distress, including post-traumatic stress. Despite a clear criminal record proving he is not a felon, the banks actions amount to discrimination and defamation. XXXX XXXX seeks to file a complaint for defamation due to these baseless claims.
Consumer complaint received 2024-08-14
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 (GA)

I am filing this complaint against Goldman Sachs Bank USA regarding their continued reporting of an unauthorized account on my credit report, specifically related to the Apple Card under account number XXXX. Despite multiple disputes, Goldman Sachs has failed to remove the account or provide adequate verification that the account was legitimately opened by me. 

I did not authorize the opening of this account, and its presence on my credit report has caused significant harm to my credit score. Goldman Sachs failure to properly investigate my dispute violates the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which requires furnishers of information to conduct a reasonable investigation upon receiving a consumer dispute. Furthermore, Goldman Sachs continued reporting of this unauthorized accoun
t violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being held responsible for unauthorized charges. The presence of this account and any related negative information on my credit report has resulted in financial harm and emotional distress. 

Despite clear evidence provided, Goldman Sachs has not taken appropriate action to correct this situation, leading to ongoing damage to my creditworthiness.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

SWC has exceeded the XXXX. This is not my debt. 

I asked for debt validation, I need for you to remit by certified mail the method of verification for this debt. Statement copies are not acceptable. 

What methods did the XXXX use to verify the account? 

What did SWC send to the Credit Bureaus to verify that the account was accurate and how they validated the debt? 

You sent billing statements with the dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, yet in your response to CFPB you stated this account was sent to you for collection purposes on XX/XX/XXXX .... A copy of a statement is not debt validation. 

Also at the time I had XXXX XXXX XXXX  business class, the bill does not reflect that. Even if the company name changed, it would still be listed as a business class account. 

I also have my contract from my business class account stating the amount to be billed every month as well. 

I have emails with XXXX XXXX, XXXX XXXX XXXXXXXX @ XXXX concerning the billing discrepancy on my account beginning XX/XX/XXXX, ending on XX/XX/XXXX with me cancelling my service due to all the errors on my account, outages, misinformation, promotions being removed from my account, etc .... by XXXX and XXXX. 

How are you sending me statements dated XX/XX/XXXX when I closed the account 2 years prior on XX/XX/XXXX? I have the account closure request email as well esigned by my business account manager at the time, XXXX XXXX. 

My services were changed without a signed contract on XX/XX/XXXX which is a requirement for XXXX XXXX customers which I had in XX/XX/XXXX and I still have my emailed copy of said contract for my records, as it was with XXXX, myself and my employer, XXXX. 

Please cease all collection attempts by any means as this is not a valid debt. 

Please submit documentation to the XXXX 's to have this information removed.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (GA)

I originally lease this vehicle as a company car. It was registered under XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX 
After the 3rd year of leasing I opted to buy the car in XX/XX/year>. In XXXX I noticed the paperwork was done incorrectly. I email the dealer after receiving an email about the registration to the car and noticed the companys name was removed. I asked the finance person to make sure to keep the car is registered under both, the company and my name. her responded by email was that it cant be undone. She removed the companys name and now refuses to fix it. I went to DMV and they told me that Honda has to reprocessed the paperwork. In the meantime, I dont have a valid registration and cant drive the car.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/2023 from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back. 

Update : Citizens said that I need to claim my money from XXXX, so I opened a CFBP claim with them, but they now confirmed to me that they processed this transaction. And therefore, Citizens is the onw that holds my money currently and is the one that should refund it to me. Please see below detailed response from XXXX. 

Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We reviewed your claim for the {$40.00} XXXX transfer sent from your account on XX/XX/2023. The claim was denied because the XXXX transfer was processed correctly based on the information you entered. After further review, our decision to deny the claim remains unchanged. You will need to work with the other bank who received the funds to resolve the matter. The claim was closed in XX/XX/2023 and is not eligible for reassertion since it has been more than 90 days and too much time has passed. The agreement between us is that You agree that you, not we or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using the service. You can learn more in the Digital Service Agreement and in the XXXX Service Agreement. You accepted the agreement when you enrolled in the service. You can see the current agreement by signing into your account at XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

My cell phone number was stolen, which led to the theft of my bank information and the transfer of large amounts of money to other accounts without my authorization on XX/XX/year> XXXX when I am sleeping. I tried to contact wells frago bank as soon as possible on XX/XX/year> in the morning, but it was never resolved. When I contacted the bank, all the money was pending and if frozen in time it could have been prevented from being transferred. Now I can't log in to my bank account and the money was transferred without any problem. This has caused me serious damage and I have tried many times to stop the money from being transferred.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-02-01
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2024-06-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX, I noticed a charge of {$29.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank to ask them to investigate and remove the charge. I heard nothing from them. 

They continued to keep the fraudulent charge on my account and also charge interest for not paying the fraudulent charge. 

In XX/XX/XXXX, I noticed another charge for {$150.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank again. This time I requested they investigate both the {$29.00} charge and the {$150.00}. Additionally, I requested they remove all interest charges that had been charged to my account for the unpaid {$29.00}. 

All other charges from XX/XX/XXXX through XX/XX/XXXX were paid in full. 

I heard nothing from them on either investigation request. Accordingly, I again requested they investigate. I continued to pay all other charges in full. 

Synchrony Bank sent me a " Fraud Investigation Form '' in XX/XX/XXXX, which I completed and returned to them in XX/XX/XXXX. 

I heard nothing from them, and they continued to charge my account for interest on the fraudulent charges of {$29.00} and {$150.00}. Consequently, I closed my account in late XXXX. 

I would like Synchrony Bank to correct my account, remove all charges from my account ; including interest, penalties, and late fees ; and report my account in good standing to all credit reporting agencies.