davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email. 
Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately. 



On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong. 

All debt above are reporting inaccurate info and is result of identity theft. 
Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc. 
Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

For the last few months I have used money gram to send money to my fianc who is attending school in a small town that does not have our credit union. However today when I sent him {$1200.00} for a deposit on a house moneygram classified our transaction as a scam. Even though I answered all of the questions and even told them they could call the real estate agent to verify. They said my partner of 11 years was potentially scamming me therefore they could not reslease the funds to him. Then for the icing on the cake they informed me that they would not refund my money for 3-10 days. Holding my money and no doubt gaining interest for 3-10 days. Not sure about the rest of you but {$1200.00} is a big deal in our family of 5. Needless to say no amount of logical explanation was taken into account. So advice to anyone thinking about using this system dont.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

This company has wasted over an hour of my time on the phone with no resolution. As a matter of fact, every time I have called Apple card services with very simple basic inquiries I am always on the phone for 1 to 3 hours. I called on XX/XX/year> and was on the phone with a representative named XXXX, who claimed that she was " not a mathematician '' so she was not able to help me in reviewing very basic information about my statement balance, even after I provided the information to her and went through it with her line by line. This included the amount of a purchase financed by Apple card, all of the payments that I've made towards the balance ( in installments ), and the daily cash value reward that I was supposed to have been given. With all things taken into consideration, my balance was appearing to be more than double what I owed, and was not mathematically adding up evenly, in accordance with the installment plan. It was very clear that something was not right, and the representative was not able to help me, nor did she try ; moreover, most of the time that I was on the phone with her, she had me on hold for almost that entire hour, without warning and without checking on me. There were also screaming children and people that were clearly not XXXX employees in the background of that phone call, thereby confirming that Goldman Sachs Apple card does not take the necessary privacy precautions with their work-from-home employees, who should be working in private spaces when handling sensitive financial information. Without my permission and without warning, XXXX transferred me to the fraud department, when I asked to speak with management. I spoke with the fraud department, who claimed that they are the next level of escalation when asking to speak with a supervisor and customer service. I explained my questions and unresolved concerns, and I was told that a manager would be calling me within XXXX XXXX XXXX  hours, including weekends, since they are open XXXX XXXXt is now XXXX  XX/XX/XXXX and I have not heard from anybody at apple. I did get an email this morning saying that " my issue is resolved '', when it is in fact not resolved. I have not had an opportunity to speak with anybody about my balance or to clarify it's accuracy or whether or not my rewards have been applied since they do not appear to have been. I would like to speak with a senior management team member at Apple card Goldman Sachs -- -- by phone -- -to discuss my questions
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

From the year XXXX to XXXX, I banked with Bank of America in XXXX and XXXX, Washington. In XXXX, Bank of America unilaterally closed my checking and savings accounts and terminated our relationship. The Bank claimed, and I agreed, that I had been the victim of fraud two times. 

Since the time Bank of America closed my accounts, there has been a warning associated with me that I do not understand, but I can not open a checking/savings account in a national bank, like XXXX or XXXX XXXX . These banks tell me there is a derogatory remark on my record and I want to challenge this. 

Bankers : Bank of America
Consumer complaint received 2023-11-14
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: CITIBANK, N.A. (NY)

XX/XX/2023 - Purchased XXXX silver U.S. half dollar silver coins online from a vendor in XXXX XXXX, paying by Citicard XXXX in the amount of {$160.00}. When received, the items were discovered to be counterfeit. I verified this with a local coin and stamp dealer and got pictures of the counterfeit coins alonside a genuine half dollar coin. The counterfeits weren't even good copies. I contacted the vendor who offered me a partial refund, which I refused, as the merchandise was fraudulent. I contacted Citicard, who temporarily credited the funds back to my account. However, I received a letter from Citicard asking for documentation of the fraud, which I sent via U.S. mail. I then received another letter from Citicard indicating that my documentation had been lost or damaged in the mail, and thus the charge for the counterfeit goods would be reinstated to my Citicard. This reinstatment occured on XX/XX/2023, in the amount of {$160.00}. I called Citicard and was given an email address to resend the documentation, which I did. When I followed up with Citicard about one month ago, I was told that the dispute had been referred to the Citicard investigation team. I was told to recontact Citicare in two week 's time which I did two weeks ago. I was told to recontact them in two weeks, which I did today. I was again given the runaround, saying that the dispute would be referred to the investigation team. I believe sufficient time ( over one month ) has elapsed for this dispute to have been resolved. 

I hereby authorize the CFPB to contact Citicard on my behalf in reference to this dispute and for Citicard to supply all statements for the months of XXXX through XXXX, 2023, pursuant to this dispute to CFPB.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (IL)

My phone was hacked on XX/XX/XXXX and an u authorized party used that access to connect my XXXXXXXX XXXX  account to my Robinhood account. Between XX/XX/XXXX and XX/XX/XXXX the thief tried to spend the money but XXXX XXXX blocked the transaction. The money remains in my Robinhood account. I have reporters the fraudulent activity to robi hood but they declined to return the funds to my XXXXXXXX XXXX account. They have blocked my access to remove the funds from my Robinhood account and they will not respond to any of my requests for assistance. I tried calling and emails and no reposonse.
Consumer complaint received 2023-07-11
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. (CA)

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (TX)

I have sent 12 letters of formal complaints via certified mail to Experian and XXXX regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

I filed a dispute with Chime on XX/XX/XXXX for an ATM dispute of {$120.00}. My dispute was approved and Chime provided {$120.00} back into my account. I received an email from the investigations department on XX/XX/XXXX stating my dispute was approved and closed. Then on XX/XX/XXXX, Chime withdrew {$120.00} from my account causing me to go into a negative balance. When I called to question why this happened, numerous representatives and supervisors stated that they can not tell me why. Chime representatives also stated I will not be able to dispute this charge from XX/XX/XXXX because it was done by Chime. This does not sound right. A financial institution should not be able to withdraw funds from someones account without any explanation.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (KY)

XX/XX/XXXX and XX/XX/2024 I called American Express and requested that my credit card account be closed bc they would not allow me to change my password to my account until the new card they sent me had arrived even though my SS # had been exposed and I needed to change it asap. They did NOT inform me that I could only change my password with the card number and THEY are the ones that advised me to change password. Both times I called to cancel the card and was told it was done but neither time did they close my account! I called back XX/XX/2024 once I realized it was still opened and requested to speak to a manager or supervisor and they told me there were none. I called back and was told there was. I am currently on hold now trying to find out why my account was not closed. This is absolutely UNACCEPTABLE!!
Consumer complaint received 2023-11-14
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: CITIBANK, N.A. (PA)

On XX/XX/2023, I asked XXXX for a car insurance quote using their online system. Their quote was extraordinarily highover {$4000.00}, so I secured a policy from XXXX the same night. After receiving my XXXX statement from Citibank, I immediately disputed the charge and reported that I received nothing from XXXX, and why on earth would I carry two XXXX insurance policies? Citibank asked me to go to XXXX as part of the process. I did, but XXXX had no evidence of a policy or even evidence of the quote. I reported this back to Citibank, but Citibank reports it has no records of that, and it has closed the dispute. I just reopened the dispute once more, but I have no confidence in Citibank, and I am livid that Citibank referenced a credit report in the denial letter. So, how do I prove a negative? How do I prove that I did not receive an auto policy from XXXX? Citibank is not acting like my bank. Their failure to thoroughly investigate, and my torturous time on the phone has rendered nothing. There must be Fair Credit Reporting Act and Electronic Funds Transfer Act issues here. Please publish. Please help, because all I can think of is to send Citibank my XXXX XXXX XXXX XXXX, which really is circumstantial evidence. Its attached below. Thanks for your time.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

Weekly, I receive letters for balance transfers from Citibank. This includes a balance transfer letter received for {$7900.00}. I received a letter from Citi stating they are unable to approve my application based on information received from XXXX. I attempted to make contact with both companies and all I received were automated responses. I have worked hard to maintain my XXXX plus credit score. I have not received information that was used to deny my application. These companies are required to provide negative information that was used to deny my application for a balance transfer. For many years I have not been declined for any kind of card. 

This is a follow-up to XXXX - XXXX.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

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 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

US Bank received a call on XX/XX/23 from a XXXX area code that didnt match the phone number on file. The bank added a fraud alert to the account according to a supervisor in the fraud department named XXXX. That same day, someone tried again and was able to change the phone number on the account then wire {$3600.00} and {$1200.00} to XXXX. XXXX has offered to investigate the situation. However, US Bank refuses to send a fed reference number, account number used at XXXX or an explanation as to why the fraud claim has been denied. XXXX of several reps in US Banks fraud department has also stated that the bank does not investigate money laundering and has refused to connect us with the legal team or the XXXX team for support. We have been hung up on numerous times. A police report was filed following the fraud in XXXX but we have not been able to obtain any information from US Bank to investigate further. These funds were removed fraudulently from the account. US Bank has provided no cooperation to try to resolve the issue, much less work on the clients behalf to return the funds.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (GA)

I opened Business Checking and Savings accounts with Relay Financial on XX/XX/2023. Over the next week, I made XXXX ACH transfers from accounts held at other financial institutions : XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$5400.00} ( ACH Push ) XXXX : {$100000.00} ( ACH Pull ) the final transfer said it would be complete in XXXX business days. XXXX days later, the transaction completed, and Relay Financial immediately froze my accounts. I replied to an email from their support team on XXXX with the requested bank statement from the bank where the funds originated. 

I received no updates indicating when the accounts would be unfrozen, no information about any interest that would be earned on the funds while frozen, and no consolations or information on how we could pay our outstanding bills. The support team did not answer any of my questions, only providing generic responses.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment. 

For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX. 

In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AZ)

I've let them know that XXXX account was removed by XXXX and XXXX , who now owns XXXX because they have the phone they are trying to charge me for. Was removed last year and told I would no longer have this problem. I don't owe XXXX any money, they have there property. Instead they offered me to pay {$300.00} to remove it, I will not pay anything I don't owe.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this