davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I called Bank on America XX/XX/year> about an amount that I was unsure was mine. The amount was XXXX. I explain to them that I was confused as to why I still had money into my account. The bank customer service XXXX XXXX, told me that I did not calculated the amount I transfer out of my account right and that the money was mine. I was still confused so he helped me calculate the amount and to my surprise it was my money. But on XX/XX/year>, I see that my account has a negative balance of XXXX so I called Bank of America to ask why. And was told that they made a mistake. When I explain to them that I called them to make sure the money was mine, they told me that XXXX made a mistake and give me the wrong information. Now I have a negative balance on my account that I have to pay.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (IL)

On XXXX XXXX I was scammed by a person named XXXX XXXX at XXXX. I was under extreme distress when he called and fell into his trap.He told me that he was from social security and that my card was used in human trafficking and the selling of drugs. He kept telling me not to hang up or that I would be arrested. My daughter has XXXX XXXX so I was afraid that this would happen. He told me to tell my bank that the money was being sent for remodeling. Yes, my bank did tell me that if I agree to send it they can not get it back. Nevertheless I agreed to send it. The banks name was Truist bank bank id # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
The recipient name is XXXX XXXX XXXX Account number XXXX located at XXXX XXXX, XXXX Ga XXXX I called XXXX  XXXX XXXX to report the scam on the same day I authorized the wire transfer and told them to hold the money and to contact Truist immediately to tell them to send the funds back. I gave Truist the FTC # XXXX, the police report and I filed an IC3. The amount was huge. Truist will not send back my money. How do I get my money back? I did everything right. In fact Truist from XXXX called me to tell me to contact my bank. I did that and was told that funds were put on hold. Later I learned that my private information was hacked at work, possible connection? I just want my money back
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (IL)

Good afternoon, My name is XXXX XXXX XXXX XXXX of account is XXXX XXXX XXXX of new account is XXXX Ive been informed that my account is restrained. This should not have occurred. I would like XXXX to review and respond to why it occurred. My account was compromised. I notified XXXX of the fraud and how I believed my account was compromised. I was told by a fraud department agent that I would receive a new checkings and savings account and that somebody would call me with instructions on how to reset my online account with them as well to secure my account. Nobody called me. I called XXXX and XXXX representatives promised my account would be returned back to its normal state and somebody would call me on how to reset my online and it is now on permanent restrained. I believe there is a mistake being made. It would appear my account was compromised and Im being punished unfairly for it. I have been getting the run around and its making it very hard to pay my auto loan. Please help me with this incident. 


Best regards, XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc. (CA)

In accordance with the fair reporting actXXXX Chrysler capitol vilolated my righs 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 ; it also states aconsumer reporting agency can not furnish a account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a car loan under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from my Credit Report.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Early this year I have opened a checking account with Truist on XXXXXX/XX/XXXX. I deposited 2 checks with them from my employer. One was on XXXX  and on XX/XX/XXXX. They proceed to closed my account to due fraud. The checks were real, Ive submitted proof that the checks were real and it is for me from my employer. Even my employer spoke with them but they are keeping my money and moved it to a recovery account. Due to this I was evicted from my apartment and was homeless and pregnant. I submitted proof on XX/XX/XXXX ( pay stubs ). Went to the branch XX/XX/XXXX. Sent in pay stubs again on XX/XX/XXXX. Communicated with someone via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Sent in statement authorization on XX/XX/XXXX from my employer from XXXX. Again on XX/XX/XXXX. Had my Chief of Financial helped me on XX/XX/XXXX. Sent in documentation with letterhead from him on XX/XX/XXXX. Again on XX/XX/XXXX and again on XX/XX/XXXX. Asked for an update everyday since. No answer from truist.
Consumer complaint received 2022-10-18
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: Spring Oaks Capital, LLC (NM)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT. 
MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT
Consumer complaint received 2022-04-02
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (VA)

Dear Sir/Madam : I received a notification in the mail stating that I owe {$710.00} dollars from Access Receivables Management XXXX XXXX XXXX, XXXX, MD XXXX case number is # XXXX, they were retained by XXXX XXXX XXXX XXXXXXXX XXXX I enrolled for a class back in the fall ( XXXX ) for the XXXX XXXX for XXXX to take a class. However, I was unable to take the class due to financial reasons. It is the practice of the school to enroll via student loan or pay by cash, check. or credit card. 

I wasn't able to do so as I stated, so normally the class gets dropped if you do not pay by the deadline. Apparently, the school did not drop the class which must have been a glitch is what I can only believe happened. So, now they are trying to collect money for a course I never took. 

If you go to the grocery store and place items in a cart and get to the register and don't pay for them, you can't go out of the store with the goods. Any servicing or product based entity will not allow you to receive the merchandise/services without paying. So, how this happened that this got pass someone in the schools administration I do not know. I have been attending this college since XXXX and this has been the process, since then. I do not want this to appear on my credit on keep me from finishing my education. I have a few more courses to take get a dual degree in which I am being told no longer exist. I have exhausted my ability to apply through financial aid this time. The only way I can do so is when I obtain my XXXX XXXX XXXX. My education is important. I need your assistance in resolving this matter. 

Very Respectfully XXXX XXXX ( XXXX ID at XXXX ( XXXX )
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out because transunion has allowed for this account by the name of XXXX XXXX XXXX XXXX to be added onto my credit once again without my written consent after it was removed because it was not my debt. The fact that this was just deliberately thrown back onto my credit is negligent and if not taken care of i will sue, i am also request that you verify who this debt belongs to in accordance with Title 15 U.S Code section 1681i. This completely violates my rights and shall be corrected immediately. I kept record of this account being removed for my protection in case their was any future misunderstanding, i also have record of my disputes that i have sent to transunion as well.
Consumer complaint received 2023-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2020, I noticed that I had lost my credit card. I immediately reported it lost and requested a new credit card from Bank of America. I received e-mail notification that a new card would be mailed to me. I did not receive one, and Bank of America did not put a freeze on the account. 

On XX/XX/2020, after the XXXX holiday, I logged into my Bank of America account online. There were in store charges in excess of {$3000.00} made during the holiday week on the card. I promptly called to report the fraud, to understand why the account had not been frozen, and why I had never received a new card in the mail. They were very apologetic, froze the account, and issued a new credit card number. They also opened a fraud dispute and temporarily credited my account. 

After 30 days, I received a notice saying that my fraud claim was denied because I had made purchases at these vendors in the past. However, that is not true. Whoever had my card spent ~ {$2000.00} at XXXX XXXX, which I had not been to in recent memory. In addition, {$600.00} at XXXX, and my phone provider was XXXX at the time. I explained the facts again, and the fraud agent opened an appeal case. 

After 30 additional days, I received a second notice that the claim was denied for the same reason. I called once more, and explained the facts. I did not have the card in my possession, as I had reported it lost prior to any of these in store purchases. The fraud agent then instructed me to file a police report, which I had not been instructed to do until this time. 

I then filed a local police report, and submitted it to the fraud department. Some time later, I received yet another notice that the claim was denied for the same reason as the first two times. 

Ultimately, I ended up paying for the fraudulent charges because it would be too expensive to hire legal counsel. It is aggravating that a very reputable financial institution would handle a fraud claim in this manner. I have since transitioned my core banking to a local credit union, and will soon close all accounts held with Bank of America because of how this claim was handled two years ago. I was recently made aware that I could file a complaint with the CFPB so that at least my experience would be on the record.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands of the wrong breach.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (HI)

XX/XX/22 : Called AidAdvantage to refund me the payments I've made to my Federal Student Loans during the payment pause. I was informed it totaled over {$19000.00}. I was informed it would take from 4-6 weeks. 

XX/XX/22 : My refund request was approved. 

XX/XX/22 : I called AidAdvatange for an updated and was told that it my refund was approved, and it would take 4-6 weeks. 

Today, XX/XX/22 : It has been 7 weeks now and I still haven't seen any update on my AidAdvantage status. I have not received any status update with Student Aid as well. I have not received a penny of my refund back.
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: Experian Information Solutions Inc. (IN)

The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a copy of my consumer report from XXXX XXXX XXXX and noticed that Bank of America was reporting information about past accounts I had with them without informing me. Pursuant to 15 USC 6802, a financial institution can not disclose nonpublic personal information to a non affiliated third party, which is who XXXX XXXX XX/XX/XXXX, unless they clearly and conspicuously disclose to the consumer either electronically or in writing that such information may be disclosed to such third party. More so, the consumer must also be given the opportunity before that information is disclosed to direct that such information not be disclosed to such third party. At no point during my relationship with Bank of America did they ever disclose to me, in writing or electronically, that they could possibly submit my information to XXXX XXXXXX/XX/XXXX. More so when my relationship ended with them, they never gave me the opportunity to tell them not to submit my information to any third parties as is my right according the Fair Credit Reporting Act, If they would have notified me and given me that opportunity, I would told them not to report my information to this third party company or any other third party.
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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
Consumer complaint received 2022-05-20
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: Stern Recovery Services, Inc. (SC)

In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-08
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. (GA)

accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX XXXX XXXX  and Account # 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
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Tried to make payment on XX/XX/22 for balance due on XX/XX/22. Was unable to access the payment website and Comenity had a System Outage error message on its site. Tried again on XX/XX/22 with the same result. On XX/XX/22 ( when the technical problems were supposed to be fixed ), I tried the payment site and received the same error message. I went to the XXXX XXXX site as directed by Comenity and received an error message when I attempted to log in to my account. Finally XXXX  Comenity/Bread financial to see if others were having similar issues. Phone numbers provided by Comenity were also not working. 
As a former banker, the total lack of communication is appalling. I just want to pay my balance off and cancel my card. The companys egregious behavior should be acknowledged, and it should also waive interest expense and/or any late fees incurred as a result. Thank you.