davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (VA)

I have sent numerous letters to Equifax asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from Equifax. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I was going out of town and made an early payment for my credit card on XX/XX/XXXX for the XXXX XX/XX/XXXX statement closing, and the XXXX statement closing was on XX/XX/XXXX. Monday XX/XX/XXXX was a public holiday, hence I made the early payment. I had already made a first payment for the XX/XX/XXXX statement closing on XX/XX/XXXX. The intention of the XX/XX/XXXX payment was for the next billing cycle. However, I was charged a {$25.00} late fee on XX/XX/XXXX because the XX/XX/XXXX payment was not applied towards the XX/XX/XXXX statement closing. I called the credit card issuer and explained to them on XX/XX/XXXX - spoke first with representative XXXX, who declined to assist. I then escalated to XXXX 's supervisor, XXXX, who also declined to assist. I requested the bank to review my long history with them, and how I have been consistently making payments on time. I requested to appeal both their decisions, and then was transferred over to XXXX, who also declined my appeal. All 3 of them said that they could not manually apply the XX/XX/XXXX payment towards the XX/XX/XXXX due date, and they were unable to override the system generated late fee. They acknowledged they could see the double payment in the XXXX billing, but they could not refund me the late fee just because of my good intentions. I am now afraid of being reported to the credit bureaus for a late payment, which I actually was early. Perhaps too early, but now I am being penalized for paying too early.
Consumer complaint received 2022-08-20
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-09-09
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 Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-09-09
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)

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 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 an account without my written instructions.
Consumer complaint received 2022-12-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with State Law. A default judgement was obtained without me being proper service, and a FIFA was issued against me and my property. I was sued in 2015, and a FIFA has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$65.00}, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00}
Consumer complaint received 2022-09-23
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. (FL)

In accordance with FCRA XXXX XXXXXXXX account number 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 States A consumer reporting agency may not furnish an account without my written instructions.
Consumer complaint received 2022-09-23
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. (MT)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in mile is listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION (NJ)

On XX/XX/2022 at approximately XXXX XXXX, XXXX debit transactions totaling {$650.00} to XXXX XXXX XXXX XXXX CA XXXX were processed by WSFS. I discovered the transactions on XX/XX/2022 and reported the disputed charges to WSFS. WSFS advised that a claim to have the disputed charges investigated was being submitted. On XX/XX/2022, WSFS assessed a {$35.00} overdraft fee to my account. I called and disputed the overdraft fee considering that the account became overdrawn due to the banks negligence and failure to appropriately monitor and flag the account for fraud. I received an email from WSFS XX/XX/2022 containing a survey regarding my visit to the XXXX XXXX XX/XX/2022. I did not visit the XXXX XXXX on XX/XX/2022 or any other WSFS Branch. There are some bank negligence issues and security breaches that need to be addressed at this financial institution.
Consumer complaint received 2024-12-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have submitted police reports Ive submitted an affidavit that this is not my car that Ive been a victim of identity theft I have locks on my reports my report says initial fraud this car is reporting on 2 out of 3 bureaus and is ruining my life on purchasing a home for my family and I Im in no way responsible for this car nor is this car in my possession I demand it be removed
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an American Express XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check.

2. I do not pay my credit card balances. 

I contacted American Express and I was told to reach out to XXXX where they get their information. XXXX stated and confirmed I do pay my credit cards on time and I am not late. I have XXXX consumer cards with American Express and I have never defaulted or made a late payment. I then asked XXXX who is writing bad checks in my name? American Express told me I had returned checks. They stated that they have no bad checks on my credit report. American Express wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.
Consumer complaint received 2024-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am writing to formally lodge a complaint against Merrill Lynch XXXX Bank XXXX XXXX ) regarding a series of negligent actions and unfair practices that have caused me significant financial loss and mental distress. 

XXXX of Events : XXXX XX/XX/year> : Sold ESPP shares and requested a wire transfer of {$11000.00} to my bank account in XXXX. 
XXXX XX/XX/year> : Contacted Merrill Lynch XXXX XXXX helpline to confirm wire transfer. 
XXXX XX/XX/year> : Contacted Merrill Lynch for an update as funds were not received. Merrill Lynch stated the wire transfer was completed on XXXX XXXX and funds would be available within XXXX working days. 
XXXX XX/XX/year> : Funds still not received. Reached out to my bank in XXXX ( XXXX XXXX Bank ) and requested an XXXX from Merrill Lynch. 
XXXX XX/XX/year> : Received XXXX from Merrill Lynch and sent it to my bank in XXXX for tracing the funds. 
XXXX XX/XX/year> : My bank in XXXX requested an authenticated XXXX from Merrill Lynch, as they were unable to trace the funds. 
XXXX XX/XX/year> : Merrill Lynch claimed there was no such thing as an authenticated XXXX. 
XXXX XX/XX/year> : My bank in XXXX confirmed they had not received any inward remittance and suggested checking with the sender bank, Bank XXXX XXXX. 
XXXX XX/XX/year> : Requested a wire reversal from Merrill Lynch. Within 2 days, the funds were returned to my brokerage account, but the amount was only {$11000.00}, approximately {$370.00} less than the original amount. 
Issues : Negligence and XXXX : Merrill Lynch failed to provide timely and accurate updates on the wire transfer status, causing significant delays. 
Lack of Proper Documentation : Merrill Lynch was unable to provide an authenticated XXXX, hindering the tracing of funds. 
Financial Loss : I incurred a loss of {$370.00} due to the wire reversal, despite providing accurate account and transfer details. 
XXXX XXXX : The prolonged process and lack of clarity caused immense mental distress, as the funds were needed for debt payment. 
Funds XXXX : The money was always with Merrill Lynch and never reached my bank account in XXXX. The successful wire reversal within XXXX working days further confirms that the funds were not with my XXXX bank, as additional permissions would have been required for such a reversal if the money had been with them. 
This situation is a clear case of negligence, unfair practice, and possible exploitation through unnecessary charges and unfavorable currency conversion rates. I request the CFPB to take necessary actions against Merrill Lynch to ensure accountability and prevent such occurrences in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

According to Bank of America ( BOA ) the card, for XXXX XXXX XXXX  benefits, was issued in XXXX of XXXX in which I never received the card and went back and forth with the state for some time prior to being approved. Honestly, I let it slip my mind as the world was experiencing Covid and I also went back to XXXX in XX/XX/XXXX. In XXXX of XXXX I received notification by mail that the account will be closing with BOA in which I realized I never received my card. Upon calling BOA they informed me of when the card was issued and the fact that it had been used down to the XXXX. According to the transaction report the funds were loaded on XX/XX/XXXX and it immediately started being used on the XXXX ( sounds like an inside job ). Since I was not in receipt of the original card I did file a police report in XXXX, NJ and I did provide them with a list of transactions provided by BOA. BOA has said numerous times they made the right decision when I have not received any of my funds. Also I don't think they did a proper investigation. I called the state as well and they said it isn't their problem. The saddest part of this case is that most of the fraud occurred directly at BOA in a XXXX branch. Also they allowed the card to be activated without any precaution. I was truly in need of the funds and never received them. At minimum I would like the funds to be placed on the new card they provided me. The BOA case # will be provided later and the total amount is XXXX dollars. BOA has done absolutely nothing to address this issue except to deny return of funds repeatedly. I can attest that I was never in receipt of the original card and did not use any of the funds or have any knowledge of how my card was obtained as it was not stolen or lost from my possession.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I was banking with Navy Federal and they closed my account and never gave me an explanation or a means to why it was closed or an email or letter to my home explaining why. I wasn't working and I signed up for over draft protection but I never understood why I continued to get overdraft fees and this wasn't happening before but I guess because I was looking for a job and subscriptions were trying to come out of my account they would continue to charge me {$35.00} for each transaction. When I called I spoke to a woman I don't remember what her name was but I explained that my job went bankrupt and had to let us go and that I have overdraft protection I don't understand why I am being charged for each transaction when it shouldn't be she could not understand either but told me she sees the overdraft so she isn't understanding why I am being charged at all. She told me she would look into it and never called back and she was busy every time I tried calling to speak to her they closed my checking account earlier part of this year i now only have a savings account. They also deleted messages about any alerts I had in my app about returned item notice, account low balance, and any overdraft fees they have charged me.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report thats not mine. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a notification that a company had reported a new credit card on my report. I do not have a credit card with this company. When I contacted them they just told me to dispute it because it's probably just an error.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have battled with capital one for 30 days, I have spoke with over fraud XXXX and dispute managers about my account being taken over by hackers. 

It took two weeks for Capital one to tell me I could freeze the account. On XX/XX/XXXX I was asked via email to provide my passport for authentication. I sent my passport in a day or so later and it was accepted and authenticated. 
I have had this account over 4 years and never changed my address email or telephone number. 

Since XX/XX/XXXX, they have allowed these hackers to continuously change my email phone number and address without using a common sense approach of flagging blocking these fraudulent addresses and phone numbers verses allowing them to change my personal account details and continue the fraud. I was able to go into my online account and screen shot the profile changes of the hacker myself while I reporting the fraud. How can they not stop this activity from happening. 

I have spent over 14 hours on the phone with this fraud department over the past 30 days trying to get this resolved. I was told that a fraud investigator would contact me, however ; they closed all of my claims without contacting via email text or address mail. They have yet to address the {$4500.00} in charges, or even ask to see the police report filed that states my wallet was stolen.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.