davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX CARDS/CITIBANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022 I transferred money from my savings account to my checking account then withdrew the money. Fifth Third Bank determined this was suspicious activity and locked my accounts. On XX/XX/2022 I went to ATM and withdrew my savings. I spent 3 hours on the phone on XX/XX/2022 trying to straighten out unlocking my accounts. There were sufficient funds to cover all transactions. The bank kept hanging up on me. There seemed to be no more problems until XX/XX/2022 when I attempted to pay my electric bill via bill pay. My payment was held from XX/XX/XXXX through XX/XX/2022. I went to my local bank to ask why the funds were held. The banker told me it was not her responsibility to check into these holds. I was told to call customer service. When I stated that I did not want to be placed on hold for hours, I was told to find another bank if I wasn't happy. I left the bank and called customer service. After 45 minutes the person on the phone said I would have to be placed on hold for third time. I asked her to call me back when she got an answer because I was heading into a doctor 's appointment. I was then informed that they would not call me back and that if I called back later, I would have to start the whole process again.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I logged into my TransUnion account. They sent me a passcode. I put in the correct passcode, pasting it in. They said they could not verify my account and locked me out. I spent a good part of this morning trying to get in via customer service, and they were unable to confirm my identity, get me into my web account, or remove my credit freeze. 

They had a girl with an abysmal accent on a bad phone connection ask me multiple-choice questions from my credit report to try to verify my identity before they could help me. I could not understand her, so I could not answer correctly, and I failed to validate my identity. Is this really the only recourse they have to quickly confirm my identity over the phone and get me into my web account or at least temporarily remove the freeze? 

I was greatly inconvenienced, delaying and possibly missing three deals on two credit cards and a new mobile account and phone. 

I went in tonight to create a new account at TransUnion, which, surprisingly, they quickly and easily let me do. Now how is it that they can't verify me to let me into my current account, but their automated system let me create an entirely new account in seconds with less information? So a hacker could have gained full access to my credit history by creating a new account? 

Pardon me but XXXX?! 

I worked in customer service years ago, and this is unacceptable. Now I have to get them to either merge the two accounts or get me into the old one and delete the new one. They even charged me for a new credit report. I did not order a new credit report. I created a new account with them. I already got a free credit report at their suggestion. Why would I pay for one? This is highly unusual and entirely unacceptable. 

What are you going to do about it?
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021, I called customer service at M & T Bank, where I have a checking account. I asked about the policy related to the negotiation of a USPS money order. I was told that maybe the XXXX, Maryland branch would cash it, but my funds could be held for up to five days. I attempted to cash the {$1000.00} USPS money order at M & T Bank, XXXX, Maryland. First, the cashier said that she could not cash it. The manager then stated that I could deposit the USPS money order in the ATM and withdraw {$250.00}. I deposited the money order and was not able to withdraw {$250.00}, so the manager overrode the system, giving me {$250.00}. However, this caused my account to be overdrawn. 

I then received a highly offensive letter from M & T Bank dated XX/XX/2021 stating that " We have information that indicates that the check may not be paid '' -- essentially accusing me of the unlawful act of attempting to pass a fraudulent money order ( they referred to it as a " check '' in this offensive letter ). This offensive letter further stated, quite falsely that, " These funds will be available on the 5th business day after the day of your deposit. Ten calendar days and seven business days have passed, and I still do not have access to my funds. M & T 's app and website both indicate that I have an available balance of $ XXXX, yet when I attempted to transfer funds to my other bank account, I received an extremely offensive email that fraud had mostly likely occurred on my account. 

I called M & T 's customer service again. The agent " promised '' me that my funds would be available by the morning of XX/XX/2021 -- erroneous and false information. Relying upon this false statement XXXX, once again, attempted to transfer funds to my other bank this morning, XX/XX/XXXX. I was unable to transfer my funds as they are still not available. 

Since depositing my USPS money order, each time I have attempted to access my account, whether via the app or the website, I am asked security questions. This is also quite offensive to assume your customer is a criminal for depositing a financial instrument. 

I called customer service, yet again, this morning. I spoke with the first helpful customer service agent, a supervisor named XXXX. She informed me that although I had received assurances that my funds would be available, a fraud investigation has been launched and she did not know when my funds would be available.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo took money out of my escrow to pay my home insurance on XX/XX/year>. It is XX/XX/XXXX and the insurance company still has not received the payment. I risk losing my home insurance. Wells Fargo told me that they run their payments through a 3rd party service XXXX XXXX I think? ), and its probably the 3rd party not paying so not their problem. I am getting no help from Wells Fargo, I dont know who to call at at this 3rd party, or why I would have to, and XXXX XXXX XXXX is insisting that I pay them myself. In other words, double pay. I am not sure what to do from here.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have reached out and disputed inaccurate information that is reporting on my credit report with Experian for the last 6 months, a bankruptcy. 

I have reached out to Experian via telephone on multiple occasions to get this resolved with no success. 

Every representative at Experian, Experian website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that Experian has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an Experian representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to Experian. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, Experian sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against Experian XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if Experian does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents Experian has been requesting to remove this and I attached XXXX website as well.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America credit card XXXX XXXX XXXX XXXX. Statement was not received for XXXX because mail was vandalized at subdivision mailbox. No coourtesy call was made like Bank of America said they do. I have had this card for several years and never been late. The balance was {$120.00}. When we realized we had not received statement we immediately paid balance in full. I immediately called Bank of America and spoke to customer service, they informed me they would reverse the late pay and restore my original credit limit. They told me I have been customer for 20 years and never had late pay. There have been a lot of vandalism in our area and mail being stolen. Please update my credit report asap as I work very hard to keep my credit above XXXX, thanks XXXX XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The Trans Union report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

We have consistently been charged {$36.00} per item even when an overdraft was only {$6.00}. In fact, I just cured a {$300.00} overdraft, of which, {$200.00} were bank fees. We can hardly use the account for fear of incurring excessive fees, even when funds are pending or deposited within the hour. I have appealed for help multiple times from this bank, to no avail. We are a non profit organization and have paid hundreds in bank fees. Even if we deposit a donation check that is returned they charge us.
Consumer complaint received 2022-10-01
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XX/XX/XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I got a vehicle from XXXX XXXX and I traded in a car.they didn't include the down payment.in the loan.the car had issues from day 1 and the salesman lied to me for months that he would help me.i did not sign the contract for the car to cost this much.then he said he would get me in a different car but kept making me waiting for 3 months till I gave up.the car is worth {$2400.00} but the contract says i owe $ XXXX without interest.he had me sign another contract then his computer messed up.he told me I got a warranty but didn't tell me I was paying XXXX for it.and he told me to lie and say I sold the car I wanted to trade it in
Consumer complaint received 2020-09-17
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. (TX)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for a Bank of America Checking Account and was not approved immediately. I had to call them to verify my ID because of a Fraud Alert from the XXXX XXXX XXXX. They ( Bank of America ) checked my credit report BEFORE approving me for the XXXX XXXX. I ordered checks through their online banking portal, and a few days later, I was contacted by Bank of America about fraudulent charges. Turns out, they stemmed from the checks and accessories I ordered FROM THEM. I then tried to get a savings account to connect to my BoFA Checking account on XX/XX/2021. At XXXX, I transferred money from my online accounts into Bank of America XXXX thinking it's best to have one reputable bank ( XXXX! ) By XXXX onXXXX I could no longer access online banking, use my debit card or even contact them as they had already closed. When I spoke to a representative on the phone the next day I was told my account was closed as a " Business Decision '' and I am not entitled to anything more than that. Not only that, they will not release my balance ( over {$1000.00} ) until AFTER XXXX XXXX, and a check would not reach me until 7-15 days after that. I only had this account for about 5 weeks, and they are holding my money XXXX for over 2 months! 
I did nothing with this account aside from use my debit card with XXXX, for purchases and to make deposits. I should have been notified if I broke any rules, I should be able to withdraw ALL of my funds NOW, not in 2 months after they charge me tons of fees and terminate all access to my account. I can not even check my transactions or balance as I enrolled in paperless statements. I can not access online banking, so how can I keep track on my money? This is just unethical and they shouldn't have approved me for an account if they were going to close it 3 weeks later. I see thousands of the same complaints and I don't know what I did wrong, aside from sending money with XXXX to people who may have had a bad history with them. Not fair, because I had NO problems with them. They just closed my account after I put all of my money into it from a few online only accounts. Oh, and I applied for a savings account, how dare I?! 
I want my money back asap. Please help me
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 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 an account without my written instructions. 

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 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XX/XX/2021 RE : Bank of America Home Loan Account Number XXXX Request : Extension of Mortgage Forbearance After XX/XX/2021 TO : Bank of America Home Loans XXXX CFPB Office of the Special Inspector General For Pandemic Recovery All, I have requested an extension on my mortgage forbearance expiring XX/XX/2021 three times now and have been refused. XX/XX/2021 will end an initial 6 month forbearance. I have an FHA loan. I have continued need for an additional 6 months forbearance due to ongoing financial challenges resulting from the Covid-19 Pandemic. Per Bank of America published criteria on asking for forbearance, a mortgage customer may ask for additional forbearance within 3 months of the expiration of the initial due date. My request for forbearance has been repeatedly denied. 
Also, I have NO PENDING LITIGATION around my Bank of America home loan mortgage. I do not have an attorney representing me for any litigation involving my mortgage or forbearance. This is the reason when XXXX ( Bank of Americas legal representation ) responds to my many CFPB complaints, there are not any other entities included in their response. I have explained this numerous times to BofA customer support who refuses to speak with me due to a flag on my account stating I have pending litigation. I have also sent BofA numerous faxes and letters stating the same.

My mortgage was included in my Chapter XXXX bankruptcy stay, however, the bky was discharged and BofA asked for a Relief of Automatic Stay, so BofA is well aware I no longer have any legal representation around my Chapter XXXX claim. 
As a 4th request : Bank of America, please extend my mortgage forbearance for an added 6 months as I am allowed by the CARES ACT. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NY)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.