davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited {$7000.00} cash at an ATM BOA XXXX XXXX, XXXX, NJ XXXX on Tuesday XX/XX/2022, ATM ID XXXX at around XXXX XXXX. ATM took the entire amount of {$7000.00}, returned {$1600.00}. ATM froze with no confirmation of transaction of the remaining {$5400.00} left in ATM, no receipt provided. I checked my balance using the same ATM machine so no money deposited that day. I called the number provided on ATM machine, followed their steps and filed a claim. Also I discussed with local branch staff the situation and was told third-party company is managing an ATM and that I should call the number on the ATM to file a claim. 

I was deposited an amount of {$4300.00} on XX/XX/2022 as a temporary credit adjustment which differs from the amount claimed of {$5400.00}. I called customer service today in the morning and was told to call on Tuesday as their claim department is off today I am extremely frustrated with an experience I have had so far. I was put in situation where ATM machine/BOA took my money with providing with no confirmation or details of the transaction. I had to sepnt 2 hours next to ATM while on the phone with BOA. I am a physician in training, 3rd year internal medicine resident and wondering at this point who will reimburse me for the time wasted? I am a father to XXXX weeks old twins boys and now I had to spent hours at the bank and subsequently on the phone trying to prove that I did what I did, even though the money was taken/stolen from me by ATM/BOA. Who will reimburse my time not spent with my kids? It seems at this point whatever the decision is made by the " research claim '' will play a key role and I am left with no means to protect myself and to get my money back. 

As one of the biggest financial institution in the US, I expect appropriate teams to come up with more advance and reasonable way to protect their customers and themselves from similar issues. Why do I have to rely on your research on what the amount of money was deposited? How can I rely on your input after the mistake was made? Why do I have to care whether it is a third-party company managing ATMs and not BOA directly ? What are the mechanisms to provide customers on information regarding ATM malfunction with specific details? 

What type of evidence can BOA provide to proof that amount deposited was the amount taken by ATM? 

I appreciate CFPB assistance in this matter as I feel completely powerless in this process
Consumer complaint received 2022-07-29
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 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 - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls.

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
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. (VA)

I disputed inaccurate information on my credit report and Experian keeps saying either " updated '' or verified. I have asked for proof of verification multiple times and never received it. Also if you look at the attached credit report nothing was updated which proves that the credit bureau lied! I demand this inaccurate information be removed from my report. 

Account XXXX XXXX & XXXX  again, I have never been late on these accounts. Please investigate and provide PROOF OF VERIFICATION. Failure to do so will result in me seeking an attorney to take care of damages.
Consumer complaint received 2022-09-24
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (GA)

I sent a letter requesting validation of accuracy of my personal information and inquires to your company. It has now been 30 days and have not received any information regarding my dispute. 

Federal law requires that consumer agencies respond promptly within 30 days. Since your agency has received my letter. ( Proof enclosed ). You have violated my rights has a federally protected consumer to conduct a reinvestigation within 30 days. 

Original Letter enclosed Proof of identity enclosed Proof of receipt
Consumer complaint received 2022-09-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I reported to Chase back on XX/XX/ that I detected fraudulent activities on my Chase Total Checking account. Upon knowing that information, Chase sat on my report and did not safeguard my account which later on I was affected by further unauthorized wired fraud charges. 

The sole reason for my hacked account to remain open was that I was waiting for Chase to overturn my temporary credit reversal on my checking account. 

Based on these particular transactions, XXXXXXXX XXXX XXXXXXXX XXXX XXXX clearly indicates a red flag that a hacker could be building a false identity. My XXXX XXXX XXXX XXXX XXXX XXXX was also hacked so the hacker probably have photos of me. Therefore, any hacker that can gain access to make purchases can make any charge appear legitimate. Making it easy for merchants to approve those charges, which makes it all the more dangerous. 

I was instructed over the phone by a supervisor name XXXX from Chases Claims Online Department to go into any local Chase branch and have any employee fax it for legitimacy. Chase branch faxed and mail the requested affidavit 3 separate times, the branch manager XXXX from the XXXX XXXX XXXX can personally verify that he took the necessary action to expedite the process. Chase still claims they have not received the fax to this day. 

As it turns out, Chase later admitted they would not have credited me {$280.00} unauthorized charge from XXXX XXXX XXXX  charge due to some frivolous technicality ( must report within 60 days but has the courtesy option to file a claim ). If they had communicated that from the beginning instead of having me run in circles, I would have closed the hacked account by early XXXX, avoiding further fraud activity such as wire fraud that took place after XXXX. What makes this easy to prove is that the fraudulent checks did not have my actual endorsed signature on them. But what Chase should have at least done is to prevent any funds from going out such as XXXX payments. There should have been a restriction on all my recent activities from the day I reported this. 

According to Chases Total Checking policy, a minimum of a {$1500.00} balance in the account is required in order to avoid the XXXX XXXX monthly fee- if it was not for that, the hacker would not have been able to send out a payment of {$900.00} through XXXX because I would have withdrawn all of my funds out on the very day I reported the fraud activities. 

Any fraudulent activities after the XXXX XXXX could have been easily avoided if Chase did their job.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

Fortiva is reporting all three major credit reporting companies that they received my payment 30 days late in XX/XX/year> and XX/XX/year>. My account is set for automatic payment. This information is incorrect and is affecting my credit rating.
Consumer complaint received 2022-10-03
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-18
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. (NC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2022, I wrote to each credit bureau about the inaccurate reporting of collections by Midland Credit Management and XXXX Collections. Per FCRA, Section 609, I requested all information related to collection accounts listed on my XXXX, XXXX, and XXXX credit reports; including the original credit application and contracts containing my signature. Per FCRA Act 15 U.S. Code 1681i Procedure in case of disputed accuracy ; Para ( 5 ) Treatment of inaccurate or unverified information shall promptly be deleted from my credit file. The collection agencies nor the credit bureaus did not fulfill my request by providing evidence these accounts belong to me. 

Additionally, it appears that my consumer rights were violated by the party that the collection agencies obtained my information.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act 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 2024-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

" To Whom It May Concern at Citi Bank, I am writing to express my concern and frustration that my account has been locked and is being held for 'review ' after depositing my IRS refund check. Despite having previously deposited larger IRS checks without issue, I feel unfairly targeted and discriminated against.

I have attempted to resolve this issue by contacting the Fraud Department, but unfortunately, I feel I am not receiving the assistance I need and am instead being given evasive responses. 

I request that you promptly review this matter, provide a clear explanation for the account lock, and restore access to my account. 

Account details : [ Checking account number XXXX ] I would appreciate it if you could also provide a formal investigation into this matter and take necessary steps to prevent similar incidents in the future. 

I will attach my PDF 2022 tax return below I look forward to a prompt resolution. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX ]
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

I explained to the internal customer rep these 2 complaints are linked together. I had been paying {$100.00} per month previously. I left the part time job because the employer was abusive paranoid drunk. I have been trying to obtain a part time job and was trying to make contact with them at the time. They went into my bank account without my consent causing {$71.00} in overdraft fees. Then I did get a hold of them and did agree to terms with a verbally combative customer rep. While trying to not become XXXX. I have been paying monthly the agreed {$50.00} per month. He said they showed no agreement. I said that is a LIE!!!! I told the inside rep that the aggressive rep accused me of lying. They would roll audio tapes. I said go ahead. He got pissy when I refused to give him bank account information and told him I would send it from my bank to their bank. Then I hung up. I stressed to the inside rep I am not the only person this has happened to I know other former NC State workers this has happened to with Discover. I could go to small claims court and win on this one. Just because you take a payment once from my account does not mean you can do so here after.
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Hello, I am writing to you to try to clear up some late payments that have been erroneously reported to the credit agencies. 

We were on a forbearance plan with Carrington until we signed loan modification documents at the end of XX/XX/2021. After the documents were signed and notarized we were given a new payment amount and terms and started making the new payments through the website. 

The website showed the new terms and payment amounts. We paid XXXX, XXXX and when logging in to pay the XXXX payment the website said there is a problem with this loan. 

I contacted carrington mortgage company and after much research I was informed at that time that the loan modification had failed in quality control. This was the first time we were given this information. After many phone calls and going through multiple channels it was determined that the we needed to reapply for the modification which we moved forward with and submitted the application. 

That process took almost 3 months. During these months I spoke with carrington on multiple occasions, I was advised in those calls not to pay the mortgage payment as it would just be applied to the balance ( which would be rolled into the modification ) In the meantime we were able to go another Avenue and pay off our balance and get current. 

We are now on track but our credit was negatively affected due to missed payments but I feel our loan should never have been taken out of forbearance if the loan modification was not complete. I think there was a breakdown in communication. 

Could you please look into this and see if we are able to get those late payments removed from our credit report? 

Thank you so much I have copies of all documents for the modifications and the notary info. Its just too much to attach here.
Consumer complaint received 2022-09-24
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. (CA)

I sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

XX/XX/2022, I applied for loan modification due to XXXX and XXXX XXXX. I only missed three months because the forth month I was waiting for loan modification approval. My mortgage payment was {$1700.00} with three percent interest. XX/XX/2022, I called Selene Finance to follow up on loan modification status. Representative advised my modification has been approved. XXXX new modification has XXXX percent from XXXX percent and new mortgage payment amount {$2400.00} from {$1700.00} before applying. My escrow is {$3000.00} dollars. I believe if I had temporarily not able to pay my mortgage XXXX comes up with this unfair practice.
Consumer complaint received 2022-07-15
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. (CA)

The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 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