davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response. 

I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement. 

When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever. 

The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented. 

As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank. 

By disputing the transactions, it resulted in me losing my account. 

This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

Additionally, XXXX completed closed my account with no explanation.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (DC)

I signed up for service with XXXX on XX/XX/XXXX to provide monitoring services to my home. I setup auto pay to ensure payments were made on time. XXXX sold to XXXX and my account was transferred and I maintained the auto payment until I canceled the service in XXXX XXXX XXXX. This month I received an alert on my credit report of a collection which drastically lowered my credit score. I contacted the company regarding this error and was told to provide proof. I submitted to them a few receipts showing the payments were made and that the account was closed in XXXX XXXX XXXX  but they still have not agreed to remove the derogatory reporting. The company is ZIONS DEBT HOLDINGS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They have been sued and lost to numerous parties for their practices. I communicated to them I am willing to go to court to have this removed but will ask CFPB for assistance to avoid the expenses of a trial. This error is causing me financial hardship and emotional/mental stress as I am not able to make life saving medical equipment purchases due to credit collections.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian. 

Personal information Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ CREDIT LIMIT $ XXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX  Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-08-20
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX  XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

In XX/XX/XXXX I received an alert that a recurring charge had posted to my credit card with Discover.  I immediately called them to dispute the transaction and obtain more information about the merchant. I called the merchant, they confirmed my card was set up for an account I do not own nor have any billing responsibility to and the account belonged to my ex boyfriend who clearly was using my card information. Discover provided a credit for the charges and I told them I'd file a police report. I did file a police report with XXXX XXXX Ohio XXXX XXXX. and case was assigned to XXXX XXXX. 
Now, Discover called me today XX/XX/XXXX and stated they are going to reverse the credit they provided to me as they are considering it a civil matter since the account belonged to my Ex Boyfriend. I have TWO authorized users listed on my account, NEITHER are my Ex boyfriend, if I was going to allow him to use my credit card, I would have added him onto my account as a user.
Consumer complaint received 2023-08-20
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates keeps calling even when told not to make contact again because the debt is over 10 years old and is past statue of limitations but they keep calling and insisting that they are going to collect. This has been happening through out XX/XX/2018 to the start of XX/XX/2018.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

I'm going through a hardship right now due to being laid off of work. I explained to Mountain America Creidit Union that I was going through a hardship. They placed an extention on my account to miss a month and extend the payment due for 30 days and if I needed more time, to communicate with them. I paid after the extention, the regular car payment. I was falling behind again on the current payments because I just got another job and wasn't going to be getting paid until another 2 weeks. I was sent an email XX/XX/2023 to call Mountain America as soon as possible. I talked to a rep from the bank and told her that I wasn't going to be getting paid until 2 weeks. She said " Ok thank you for letting us know, I'll make a note that your going to be paying in 2 weeks due to getting a new job and having a new payday. '' I also was not told that she was a Senior collector, so I was under the impression that she was a loan officer. She said " we just want to check in to make sure everything is going ok and thank you for updating us. '' She did not tell me that they were going to automatically take out the full payment from my account the next day for XXXX. I had checks pending for utility bills that I had already made arrangments with. Those checks bounced and the bank charged me XXXX non sufficient funds fees XXXX each and my utilities got shut off. If I was told on the phone call with the XXXX  collector that the money was going to be taken out automatically the next day on XX/XX/2023, I would have changed the arrangement made with the utility companies. It was misleading for the XXXX  collector to tell me " thank you for letting us know, I'll make a note of that '' because I was under the impression, the note she was making was an agreement for me to pay in XXXX weeks. I called the bank and was told if the account goes 45 days late the bank takes out the money automatically. I explained to them that an extension was put on the account due to my hardship and the extension was for 30 days and should not be added into the 45 day count down for automatic deduction from my account. I was told " sorry we can't help you ''. I don't think it was fair for the bank to make a hardship agreement with me but penalize me when I was still curently in the hardship and not explain to me thoroughly what the terms were of the XXXX extension on my account. It was also not fair for them to charge NSF fees twice for money they took out automatically without my authorization or even a notification to let me know it would be deducted from my account. I would have been aware and would have stopped the arrangement with the utilities company who at the time was willing to work with me. 
Thanks
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Website is always down when I go to make a payment, then get charged late fees because payment is late. Then I get harassed by them calling multiple times a day ( sometimes within hours of each other! ) when the payment is less than 5 days late.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX type Single family XXXX XXXX L XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$2500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$810.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$7400.00} written off.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (PA)

I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports .
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a checking account with Bank of America in XX/XX/XXXX and made direct deposit totaled {$4000.00} by end of XXXX to qualify for the sign up bonus. The advertised terms state that the bonus would be posted within 60 days after fulfilling the requirement, but it hasn't posted as of today. I first called BoA customer service on XX/XX/XXXX and the representative ensured that I qualified for the bonus and put in an escalation for me. She said the investigation would take 7-10 business days. I called again on XXXX and the representative said there was no update and I should check my account in a week for the bonus and call back if nothing. As of today XX/XX/XXXX, there is still nothing, and I doubt calling BoA customer service for the 3rd time will lead to any progress at this point.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I took a cashier 's check to my bank. I asked the teller, XXXX, if he could tell if the check was good. He answered " yes ''. I asked if I cashed the check could a stop pay be made by the other bank. He answered " no ''. 

I took the cash ; however, the other bank did have a stop pay on the check. My bank, Bank of America, debited my account for the cash I took. 

I have been told since, the teller could only tell if the check was good if it had been drawn on a Bank of America account. He made an incorrect response to me. I relied on this employee of the Bank. The Bank damaged me and I need to be reimbursed.