davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

This communication is to inform you of the fraudulent activity at Regions Bank that occurred through XXXX Banking. On XX/XX/XXXX, I discovered that {$90000.00} was pending to be taken from an account of an organization within my banking profile. {$78000.00} had been transferred from my Money Market account leaving {$150.00} and combined with {$12000.00} from the organizations account. On XX/XX/XXXX, {$90000.00} was taken out of the bank. When I checked with the bank and the Fraud Department, I was told that it was a wire transfer and there was nothing they could do. 
On XX/XX/XXXX, {$700.00} was transferred from my XXXX Account to the XXXX XXXX Account. A letter was written by Regions Bank XXXX Department, on XX/XX/XXXX, stating that an investigation was done, and provisional credit ( {$700.00} ) would be provided to my account. Another letter was received that same day stating that based on the investigation, they determined not to provide any credit to my account for the transactions. The letter stated that the {$78000.00} was transferred to another account that I also own. None of these transfers were made by me. 
A letter dated XX/XX/XXXX, was received when I came back from XXXX holidays stating that the investigation had been completed. Based on the investigation, we determined not to provide any credit to my account for the transaction. This determination was based on the following findings : WIRE TRANSFER XX/XX/XXXX {$90000.00} Transactions were authorized using agreed upon security procedures. 

Shouldnt someone be able to tell me where the transfers originated, what security procedures were agreed upon, and where the money was transferred to. I couldnt get any answers. I have trusted my money in the same bank since XXXX even through the many name changes. Now this! They are making it look like I took my own money and wire transferred it to someone. This is identity theft and felonious activity. 
Upon receiving the rejection letter, I reached out to the number indicated on the letter. On Friday, XX/XX/XXXX, I spoke to XXXX who informed me that he did not agree with the denial, and he was escalating the matter to his XXXX, XXXX. Once I spoke to XXXX, she reached out to the initial department that made the denial and that person refused to speak with XXXX. The only resolution is to return the funds back to my account as I have not authorized the wire transfer. My attorney has contacted the media and there will be a story aired soon about this event.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against GM Financial regarding a deceptive " Junk Fee '' that was disguised as an " Acquisition Fee. '' I was charged this fee when my truck ( XXXX XXXX ) was deemed a total loss on XX/XX/year>. 

The GM Financial Total Loss department has refused to provide me with written documentation detailing the charges against my account that led to the refunded amount. They claimed that, as a result of my total loss, I was charged an acquisition fee, which I had agreed to per the lease documents. While I did agree to an acquisition fee as part of the lease agreement, I should never have been charged this fee on a totaled vehicle. 

This practice appears to be a widespread issue, as consumers experience total losses every day. GM Financial 's deceptive practices are generating millions of dollars through these junk fees, which are misrepresented as acquisition fees when no acquisition actually takes place. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to prevent such unfair and deceptive practices in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-12
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: ProCollect, Inc. (IA)

As always ProCollects fraudulent account was disputed. This time it was finally removed as of XX/XX/year>. And then illegally Re-opened. I asked XXXX to remove and the fix the error. They refused. 

Not only did they fail to legally follow procedures in proper notification and paperwork directly to me of the account. The fact that it has been reported numerous times as fraudulent and proven so and then improperly investigated has been issue.
Consumer complaint received 2023-07-26
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise collections has once again put a fraudulent collection on my credit saying I owe XXXX XXXX dollars that is a lie.I have had my XXXX account for about 18 years and is in good standing.I talked to Sunrise and the verified that it was fraud they removed it and now a month later they put it back on, Sunrise refused to furnish the fraudsters address < I believe Sunrise credit are fraudsters themselves, I will be filling a complaint against them with the state attorney office for fraud and the CFPB. 

I have contacted att and they verified there is no such debt
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C. (VA)

I had some financial difficulties last year and a personal loan went to a debt collector called XXXX, XXXX, & XXXX in XX/XX/XXXX. I would like to report the unethical and criminal activities of this debt collector for incorrectly charging late fees when my account was paid in advance for a full year, for charging legal fees during an accelerated collection process that was done for the sole purpose of them extrapolating additional funds from me because my account was paid in advance and garnishment of my bank account several weeks after the entire debt had been paid in full. 

The debt collector failed to maintain accurate records : The debt collector took over my debt of {$3500.00} in XX/XX/XXXXXXXX  and requested $ XXXX to resolve the debt. I made a {$1500.00} payment to Bleecker, Brodey, & Andrews on XX/XX/XXXX. And yet, their office refused to credit the funds to my loan account for 3 months. Please see their letter from XX/XX/XXXXXXXX  attached. 

I made an additional {$500.00} payment to Bleecker, Brodey, & Andrews in XX/XX/XXXX. At this point, my account was paid in advance for an entire year. 

The debt collector failed to exercise due diligence in presenting accurate information to the court : Bleecker, Brodey and Andrews filed a court order on XX/XX/XXXXXXXX  for the full amount of the personal loan in the amount of {$3500.00} despite the fact that I had made a {$1500.00} payment on XX/XX/XXXX. ( More than 30 days prior to the hearing. ) The debt collector has aggressively pursued collection that is not in keeping with the spirit of the law : Despite having paid a year in advance, Bleecker, Brodey, & Andrews accelerated the debt collection process and sought relief in the form of a garnishment. They charged attorney fees, late fees, judgement costs, additional interest and garnishment costs to my account. I issued payment in full for the remainder of my account PLUS these additional expenses in the amount of {$2700.00} on XX/XX/XXXX. 

The debt collector failed to act in good faith : While Bleecker, Brodey and Andrews acknowledged that my account had a {$0.00} balance, they failed to resend the garnishment order. Please see their letter from XX/XX/XXXXXXXX  attached. On XX/XX/XXXXXXXX  my bank received the garnishment order and seized all the funds in my bank account. The bank charged a {$150.00} garnishment fee to process this request. This caused my personal payments for my auto insurance and electric bills to bounce. It also left me with NO funds to feed my family. 

I dont understand why they are doing this to me and my family. When I called their office yesterday, I spoke to XXXX who advised it will take them approximately 2 weeks to resolve this matter. This is simply unacceptable. They are abusing their power and taking advantage of financially disadvantaged people. I respectfully request that you open an investigation into their actions and billing practices.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

Ive had credit card fraud with XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.
Consumer complaint received 2022-12-12
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit Reporting Act : XXXXXXXXGENESIS RETAIL XXXX XXXX GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : also states a consumer furnish an account without any written instructions.

15 1666B : A creditor may not treat a payment on a credit card account under an open - end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (TX)

XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX account : XXXX. XXXX. XXXX XXXX XXXX. : I had gotten beat up and robbed in a alley on XX/XX/XXXX and when I contacted chime they said they would help dispute and get my funds back. But instead charged me XXXX on my credit account and they have been doing transfers with no notification like I said through mail and again I call and they denied any info about the dispute that I gave them I want to get help please IM XXXX struggling with no money now homeless
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681eb : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the reportEach permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

For over a year I have been trying to tell XXXX XXXX that the two accounts they have for two businesses were not opened by me. I worked for the company and someone opened the accounts in my name. I did not know until the company stopped and XXXX XXXX started sending bills to my personal home. I contacted them to tell them I did not submit the application and that was fraud and to send me proof. The did not. They then sent those bills to my personal credit in XX/XX/XXXX. I disputed them twice. The credit company put them as dormant. In XX/XX/XXXX XXXX put an address on my report that I never seen before- XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. I told XXXX today XX/XX/XXXX that I never knew of this address and it had to be fraud. I have lived in my home since XXXX and never got anything for credit with this address. They tell me they can not remove it because it has to do with XXXX yet XXXX has my address as my address on XXXX XXXX  where I live. I currently have a credit attorney from XXXX that just sent me a debt validation yesterday that is in violation because I requested that over 6 months ago and I didnt get it within the time frame. The fact is the address is not mine, it is fraud and the XXXX  accounts are fraud I did not open that account nor anything under my name did I buy on those cards. The businesses did and the owner XXXX XXXX did. Nor is that address at XXXX XXXX XXXX mine or ever has been mine and needs to be removed.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

In XXXX and XXXX of 2022, I filed a dispute online with Equifax and XXXX. I stated several times that I did not authorize the inquiries and they insisted that they were mine.
Consumer complaint received 2024-02-07
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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 XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

I informed chase bank that my XXXX account was compromised and if a refund comes in send it back to XXXX XXXX confirmed a refund was sent to a closed account chase instaid took the refund applied to a negative balance and refused to return the stolen money back to XXXX now I have more pending transactions that are going to be put back on a closed bank account I called Chase to ask them to block the transaction they informed me that any money coming in would be applied to negative balance even though these refunds are fraud XXXX can't help me retrieve the money bank says it can't give the money back after it's been applied to negative balance.I request Chase to due a fraud investigation and reverse the money back to XXXX because I did not authorize those refunds it was a hacker and now because bank refuses to return the stolen money I'm at risk of losing my XXXX XXXX XXXX XXXX account.XXXX can't help me because funds were giving to chase I asked chase to block any transaction from XXXX they refused they said they will just apply it to a negative balance which is ridiculous
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NJ)

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (MN)

Once again I'm lock out of my Robinhood account and not one of my issues have ever been resolved!

And what's the point of this company if you can't help or inforce anything I continue to be a victim of all this wrong doing and have not received any help whatsoever thanks for wasting my XXXX time!
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Accounts & Advisers, Inc. (MN)

First call was XX/XX/2023 at XXXX XXXX for an XXXX  even on XX/XX/2023. 105 days after the XXXX. I informed the caller " XXXX '' on this first call, that the debit should still be with the original bill owner. Had not even reached six months. 

I have repeatedly stated such to " XXXX XXXX '' and that he can not call me during work hours as I can not take calls at work or can and will be fired. XXXX continues to call ; I have not received paper communications from the company he claims to be at. XXXX uses rude language and says, " Only people who are embarrassed of debt refuse to pay. Or complain about me. '' Calls are on : XX/XX/2023 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 With the caller ID as XXXX set from the incoming call. 

I have told " XXXX '' several times he is calling during my work hours and to stop calling during my work hours. 

I have looked into the number he is calling from, and it has multiple complaints, and the business is not XXXX XXXX XXXX.
Consumer complaint received 2022-12-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/202XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.