davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/year> my savings account was fraudulently taken out without me knowing for {$10000.00}. Usbank wired a person without my consent because they thought I did it. I not knowing I have gave a fraudulent person a code when I thought it was a company I was working with, XXXX. So it wasnt until the bank contacted me XXXX days later asked if I ok a wire transfer for {$5000.00} and I said no. Then they asked if I okayed a wire transfer for {$10000.00} and I said no. It was already gone the {$10000.00} once you do that its irrevocable. The bank said that they are not responsible for the transaction that I gave a code to this fraudulent person that they are not covering my lost. I didnt know this would happen to me when I thought I was dealing with XXXX  but it wasnt XXXX  it was fraudulent person hacked into the company and got my phone number to make that happen. I want my money back. This is not fare Im retired and depend on that money for my retirement.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (OR)

On XX/XX/XXXX I was the victim of identity theft. They got into my email, Robinhood, XXXX XXXX XXXX Account and XXXX XXXX account. They were able to deactivate my phone and transfer my phone number to another XXXX. 

On XX/XX/XXXX I received an email form Robinhood notifying me that my password had been changed. I was locked out of my online account. I could still access my Robinhood app. I contacted Robinhood 's customer service number but it is just a voice message. I went onto the app and saw that someone had started the process of withdrawing {$5000.00} dollars. I contacted their customer support XXXX times thru the app but kept getting kicked out of the chatroom. Later that day the person then began withdrawing {$7000.00}. I contacted Robinhood thru the chatroom and informed them of what was happening and gave them my wife 's contact number. I received a call on XX/XX/XXXX. I informed them what had happened and they told me the {$5000.00} was successfully withdrawn but they were able to stop the {$7000.00} withdrawal. Today, I received an email from Robinhood stating that my account is no longer restricted. They also informed me that any losses I had would not be restored. I was able to get ahold of them today, XX/XX/XXXX and told them that I wanted my funds back and they said there was nothing they could do and keep checking your email.
Consumer complaint received 2024-06-21
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: OneMain Finance Corporation (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Grow Credit Inc (MD)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GROWCREDIT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not authorize 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  to run my credit, this information is incorrect.
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (NJ)

I was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open XXXX different accts with a company that's the same with XXXX different names
Consumer complaint received 2022-12-01
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. (GA)

XXXX and Transunion has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against XXXX, Transunion and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in black and white and Im sure the judge would love to review this case. Also, because XXXX and Transunion allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in black and white. Transunion and XXXX has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.
Consumer complaint received 2024-05-28
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. (TN)

XX/XX/year>, XX/XX/year>, XX/XX/year> were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

Everytime I try to open a bank account I cant. Because my name needs to be removed from check system account. My step daughter had an account under my name and owed XXXX she paid the XXXX and they still have my name in the banks system that wont allow me to move forward with other banks.. please remove my name
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (CA)

Checking my credit report a few months ago, I discovered errors regarding the account of XXXXXXXX XXXX XXXX XXXXXXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the collector itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX my Bank of America checking account was hijacked/hacked by an unknown individual with my personal account details. They accessed my account and wired out {$8100.00} USD. 

I reached out to Bank of America when I took notice of this to put a stop to this and reclaim my personal account details, which was less than 5 hours from when this cyberattack happened. The agent informed me that the fraudulent wire was in transit and that I need to open a claim. I opened this claim on XX/XX/XXXX and filed a police report on XX/XX/XXXX. 

I called Bank of Americas claims XXXX number and spoke with an agent on XX/XX/XXXX to give them the case number of the police report and the name of the officer. When speaking with the agent she informed me that they have personal details of who hacked my account along with their receiving bank and explicitly said that Bank of America has reversed the wire and that I will received my funds back by XX/XX/XXXX. 

I received a notice on XX/XX/XXXX that Bank of America will not disbursement my funds. I called their claims XXXX line to speak with an agent and she has to document more details, as she states that the investigators did not document that my account was accessed by a device not normal to to my account history. I have given Bank of America all that they have asked of me to resolve this and have still not received my funds that was fraudulently wired out and they caught and reversed. They are holding my funds and have mismanaged my claim.
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I requested and was placed on an interest only payment plan on XX/XX/XXXX ( see attached approval letters ), I set up autopay for the payment ( for both loans ) in the amount of {$150.00} the first payment made XX/XX/XXXX and the gentleman I spoke with pushed the next out to XX/XX/XXXX. 

Navient does not have an indicator you are on such plan on their portal and kept reporting to me and the bureaus that my payments were past due even though they weren't. Due to the fear of additional negative reporting, while trying to get a mortgage, I went ahead and made individual payments on the loans, only to find out that on the XXXX of each month, Navient is still debiting my bank account for {$150.00}. I called and tried to rectify the situation and was told my account was past due from XX/XX/XXXX, which is impossible due to the interest only payment plan I was actively participating with. 

The rep on the phone argued and screamed at me and said I either pay it or I don't get my mortgage. Out of fear, I once again paid and paid double. This month they are now reporting me past due again ( bill was due XX/XX/XXXX ) and it's the exact same scenario, I am still enrolled on the interest only payment plan through XX/XX/XXXX. I am being bullied and threatened and am unable to get out of this loop of double paying my student loans.
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. (IN)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get XXXX, Experian and XXXX to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been trying to close my account for several months since I have not lived in the XXXX for a few months now. Bank of America was not able to provide a way to transfer my funds to another account since the system requires a debit card which I no longer have. 

In the meantime, they have charged me {$12.00} for 4 months due to having less than the minimum required funds to avoid fees ( therefore {$48.00} in total ).
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

my car was repossed once over a year ago, i paid the full amount to recover my car and be up to date on my payments. now they are telling me that i owe money for that time and wont sent me my car title. i did make a payment in full over XXXX to cover the repossession and fees including current payment.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I XXXX XX/XX/XXXX with my XXXX XXXX XXXX XXXX XXXX I XXXX XXXX in XX/XX/XXXX. My loans went into deferment. I began to receive a letter on XX/XX/XXXX from Nelnet that my deferment was ending in XX/XX/XXXX, and I was scheduled to make a payment on my loan on XX/XX/XXXX. When I completed my XXXX XXXX XXXX I was told that I had an allowed grace period of 6 months and my student loans would begin in XX/XX/XXXX. I called Nelnet, and they said I have exceeded the amount of allowed grace periods. I requested that they show me this in writing or in my Master 's Promissory Note that I have a limit on how many grace periods I receive after XXXX They could not provide me with any written documentation, I even spoke with the management team whom could not provide this documentation. I spoke to XXXX representatives between XX/XX/XXXX and XX/XX/XXXX and explained to them that I am set to XXXX on XX/XX/XXXX and I am entitled to a six-month grace period per my loan paperwork and speaking with a representative from fasfa student.gov. They all refused to grant me my 6 month grace period due to the reason of exceeding the number of times a grace period could be used. They could not show me this in my loan ( Master Promissory Note ) paperwork or legislation that displayed a certain number of times grace periods could be used. There is no legal document that states that I do not qualify for a grace period or that I have a certain amount that I may use. Then today XX/XX/XXXX when I called Nelnet a representative informed that I selected the extended grad program and they change it and which I did not request this due suppose to be in a grace period until XX/XX/XXXX.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

We were told to transfer accounts due to completing a house closing. Our funds have not been deposited or released. We were not told nor was it in writing when opening the account that there would be a 7 business day hold. US bank tried to blame the bank we transferred the money from but XXXX XXXX  has the funds released the next business day. US bank has caused us to have our home closing canceled and has caused us a great deal of stress when buying a home is supposed to be a happy process. Our funds have shown pending in US bank since the XXXX but we are still being told we can not have our money and that US bank has no control over the hold
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. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For the past couple of months, I have been getting text messages from a debt collector called portfolio recovery at any all types of hours through the day. When I look at my credit report on XX/XX/XXXX, I see that there is a collection in the amount of XXXX dollars.