davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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 (NY)

XX/XX/21 Wed - I had over {$500.00} in my checking account and for an expense I withdrew {$400.00} which kept balance at {$100.00} above the {$25.00} minimum balance requirement. I know the salary Direct deposit would happen on XX/XX/21 so I did not worry about the balance being too low. 

Unknown to me, I received emails about account balance being below {$100.00} today on XX/XX/21 at XXXX XXXX which I saw later this morning and found my account balance @ negative - {$340.00} which included two charges of overdraft @ {$35.00} each. The overdraft happened overnight during late hours from a Check I had paid 2 weeks prior to my residential building for a rental application fee of {$500.00} - this cleared/processed overnight and there was no way for me to put more money in account. I had forgotten about this check and as I move my money to savings, I had scheduled to move {$2000.00} to which also happened to go through late night XX/XX/21. 

The {$2000.00} transfer would have happened before the withdrawal of {$400.00} on XX/XX/21 as I had a balance of {$500.00} and change before withdrawing the {$400.00}. However the bank transaction item lines are arranged differently meaning I could not have seen/ gotten flagged of low balance. Regardless, I put back {$380.00} by the BOFA ATM, to bring a/c balance above the {$25.00} minimum required balance. 

I called Bank of America and explained, they acknowledged the situation as due to unfortunate processing timelines hence unavoidable but they refused to remove the fees. I did not delay in bringing the balance back to the required minimum the same day ( today morning of XX/XX/21 ) but they did not care. I called them twice more and even spoke to a Manager to no avail. 
I have been a BOFA customer for over 11 years now but they did not care. 

In summary, they are stiffing me with a {$70.00} overdraft fee.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I refinanced my mortgage at the end of XXXX. The mortgage that was paid off was with Bank of America. I had paid several months ahead of my mortgage when I refinanced. The 1098 I received for XXXX did not include more than {$8000.00} of interest that was paid. I have been going back and forth with BofA since XXXX of this year on this issue. I have provided to BofA on several occasions, documentation from their systems showing that the amount they paid me from my refinance is off by around $ XXXX ( I took my original mortgage amount with BofA, added on the interest disclosed on the XXXX for the life of the loan and subtracted payments, including the payoff amount ). I don't know from an accounting perspective if I should be refunded this amount or of they should report it to the IRS as interest for XXXX. 

As you can see in the email chain that I am attaching, on XX/XX/XXXX at XXXX BofA agrees there is a " discrepancy with the reported interest numbers '' that they are trying to rectify. That was over seven weeks ago and they have still not rectified this. It has been over eight months since I first raised this issue. During this time they have used their large bureaucracy to try and make this problem go away by passing me around to different people, denying the validity of my complaint while at the same time not addressing the central point of my complaint ( i.e. the $ XXXX difference ) they also continually said that they did not know who I could contact in their Legal Department when I was considering a law suit. 

I think that a banking institution of the size of Bank of America should be able to address this problem in a more timely manner. In addition, this issue seems to be a system issue that most likely has impacted more than myself. I would hope that management at BofA would reach out to other impacted customers, but given my experience I am doubtful that they will do so.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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. (NC)

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX  representative. There is no balance due on my account. You all have reported incorrect information to the credit bureau twice this month. Once on XX/XX/XXXX and XX/XX/XXXX. My XXXX XXXX has dropped XXXX points. I have spoken to an attorney including the attorneys that sued XXXX and won. I will pursue legal action against XXXX. You all have caused me great pain and suffering because my credit score dropped XXXX points in 8 days due to your negligence. I have emailed, faxed, and mailed letters to you all. I have proof that I have been working on my credit I have even paid several items off and you all intentionally reported incorrect information. I was also informed you all report at the end of each month, but this was reported on the XXXX and the XXXX of XXXX. Please fix this as soon as possible or I will move forward with the attorney recommendations. I have included proof of the points dropped and the dates you all reported this. On XX/XX/XXXX XXXX reported another change. this time the balance decreased by {$2300.00} and my credit score was increased by XXXX points. XXXX has continued to cover up there errors by sending me an inaccurate letter. If what XXXX is stating to be true why did the report another change on XX/XX/XXXX? XXXX has reported to the Credit bureaus three times in one month. XXXX is trying to cover up their mistakes. I want this situation fix. I am prepared to send this information to the news media in order to get this problem solved. XXXX was suppose to supply me with a letter so I can send to the credit bureau I have never received that letter. I will file a law suit against XXXX if necessary.
Consumer complaint received 2021-06-24
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 — Their investigation did not fix an error on your report
Company: Trident Asset Management, L.L.C. (NC)

Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my XXXX credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. XXXX  signed for my letter on XX/XX/XXXX.On XXXX XXXX  responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to XXXX  did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to XXXX, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum XXXX  should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to XXXX  with signatures for the letters, Their Responses, An XXXX  credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I checked my credit report and noticed inaccurate information in my Public section. I have I asked Lexis Nexis how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

Per FCRA laws, due to multiple reporting innacuraccies, I am requesting that this account be removed from my credit report. On XX/XX/XXXX, I received a response from GM Financial referencing a request by me to present a contract that has my signature of authorization. The contract was forwarded to me through the CFPB portal. When comparing the document that GM Financial has presented to the credit entry on my credit file, I have noticed multiple innacuraccies and incorrect reporting. Theys also stated in the letter that they are providing accurate information per FCRA which is contrary to the evidence. 1. The contract states that this account was established as an Installment contract which is false. This was a retail credit contract through a dealership. 2. This is not my signature, and there is no ID attached to this document to compare my signatures to. 3. The address on the contract was not mine and I've never lived there ; had GM Financial conducted any kind of real investigation they would've recognized this. 4. You reported to XXXX 16 late payments on this credit entry,, while you report to XXXX  17 late payments. ( XXXX reports no late on XX/XX/XXXX, yet XXXX  reports as 30 days late in that same month of XX/XX/XXXX ). 5.You report a payment to XXXX  for XX/XX/XXXX but report no payment for XX/XX/XXXX to XXXX This is inaccurate, incorrect and an a serious FCRA reporting violation. Also, GM financial has reported the terms or number of payments on this account to XXXX and XXXX  as " 81 '' months, yet their contract states that the terms or number of payments is " 72 ''. I have factual based evidence that is attached to this complaint.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-10
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: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX My wife and I are very sick of this. This issue needs to be closed asap. I do not care about AMEX internal processes. Anyone who had this happen to them would be absolutely furious because nobody likes to be scammed like this.

1. I don't know these people or these places, I was driven to them as part of this scam 2. I was XXXX assaulted in one of these businesses 3. I was blackmailed by one of them 4. AMEX has ruined our lives for two years trying to collect money from a XXXX victim 5. This was an obvious scam, nobody blows money like that for no reason 6. AMEX has been involved with these people before and they already know they are capable of something like this.

7. I am beyond angry that this company would demand I pay for my own XXXX assault, it's reprehensible 8. I don't care anymore about what AMEX does other than closing this account If AMEX chooses to bill me for these illegal activities, fine. But we want to move on, I'm tired of playing games with this company.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal closed my account as of XX/XX/2021. They have since not been helpful with getting my account unfrozen and delaying my withdrawing. They are asking 180 days for me to withdraw my money from my account. I have sent them pictures of the item that I sold which is a Gpu ( computer part ) and is retailed at {$2400.00} and sold it on XXXX for {$3900.00} as this computer part is very very hard to get. After fees I have {$3700.00} in my PayPal account. My reason for this complaint is that I need my account restored and be able to transfer the money from my PayPal account tp my bank account. My email linked to my PayPal account is XXXX. My PayPal @ is XXXX. Please help me resolve this as soon as possible.
Consumer complaint received 2021-06-10
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

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 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a promotional offer from Citizens bank. The promotion stated - open a checking account and deposit {$500.00} via direct deposit within 60 days and receive {$200.00}. 

Open a savings account - deposit {$15000.00} and leave on deposit for 3 months receive {$300.00} Open both a checking and savings account receive {$100.00} for a risk of {$600.00}. 

After 5 months after 3 phone calls I received {$200.00} deposit into checking account. 

I called at least 2 more times inquiring about the additional {$400.00}. I was told I didnt qualify for the promotion because I didnt deposit {$500.00} at once. The promotion stated deposit {$500.00} via direct deposit within 60 days. No where did the promotion. Stated at once. 

In addition - I opened both accounts via a Citizens representative who confirmed - deposit {$500.00} over 60 days.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX and XXXX XXXX XXXX and Experian put fraudulent information on my credit report/history/score. I have never entered into any agreement with XXXX XXXX XXXX nor XXXX XXXX XXXX nor sought out any product or services from them. XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently obtained my social security number and used it fraudulently.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Credit acceptance took my card back in XXXX Its been over 7 years on my credit it was a volunteer repo and I spoke to then back in XXXX about them removing it off my credit report and credit acceptance refuse to take it off I not made any payments at all when they repo the car they had a person by it in full but they have still tried billing me for over XXXX XXXX  and I will not pay because they car at the time was not wroth it at all btw this loan was for a XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I had XXXX DSL modems through XXXX  XXXX  ( now XXXX  ) at a house I was renting. When we moved I canceled both accounts with 1 phone call. They canceled one of them and then billed the other account the next day. I called them and explained this and they said it was valid and sent it to collections. I have to explain this to debt collector after debt collector. Once I explain it they just sell the debt and the process starts over. This amounts to simple harassment. I explained it to XXXX and they removed the debt but I have to go do that at the other XXXX credit reporting agencies. I have to write and mail a certified letter to ERC and after doing this multiple times I would pay more than the balance. The original balance was only {$44.00} per modem and one they canceled so originally I was asked for that amount. Now they are claiming that the original amount was {$73.00} and that they are willing to " resolve '' my account for " less '' than the original amount. They clearly understand that if they harass me enough I will pay them just so they go away. They never have proof and when asked for it they just send it on down the road.