davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a cashier 's check for {$130000.00} ( court-ordered proceeds from my late mother 's FL probate case ) at a Bank of America branch in XXXX XXXX XXXX NM on XX/XX/2022. Teller told me the funds would be available on XX/XX/2022. I then reviewed my online account that evening at it confirmed the funds would be available on XX/XX/2022. I then initiated an ACH transfer of those funds on the XXXX XXXXXXXX XXXX website ( external transfers ) where I had an existing savings account earning 2.20 % APR interest.- in reliance on Bank of America 's confirmation that the funds would be available on XX/XX/2022. I am a Bank of America XXXX XXXX client and have been a customer for 30+ years. In the middle of the night at roughly XXXX XXXX Bank of America emailed me that it had put an 8-day hold on the check without explanation. 

On XX/XX/2022 I called the Bank of America phone number for XXXX XXXX  clients. " XXXX XXXX told me that I needed to go to the branch and that they would be able to arrange for the hold to be lifted. I drove to the branch where I deposited the cashier 's check. Manager XXXX XXXX and Business Owner Specialist XXXX XXXX told me that XXXX was wrong and that there was nothing they could do about the 8-day hold because it was " system-driven. '' XXXX, they both said, didn't know what she was talking about. XXXX said he called Market Leader XXXX XXXX at XXXX and she confirmed that Bank of America could under no circumstances lift the hold due to unspecified regulations. 

I then asked to close my Bank of America checking account and XXXX and XXXX refused saying they could not close the account until the {$130000.00} check cleared - 8 days later. I asked that the funds be deposited into another existing Bank of America account instead- and that request was summarily denied too. XXXX and XXXX agreed that I should never have been told by the teller and my online account should never have said that the funds would be available the next business day - but acknowledged that is exactly what happened.. I told them I never would have deposited the funds at Bank of America had I been informed up front there would be an 8-day hold. I would have selected another financial institution with whom I have a longstanding relationship include XXXX XXXX and XXXX. I relied on Bank of America 's representations to my detriment I fortunately managed to cancel the ACH transfer and will reschedule for 8 days later. In the meantime, the funds are in the cloud with no interest being generated. Deplorable service by a monster mega bank.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I had a XXXX credit score for years and all of a sudden I see a collection report. This is unacceptable. How is it possible for the credit bureaus to add a collection and not inquire the consumer? The collection added hurt my credit score and is not justified! I disputed it with the credit bureaus and they replied within a few days. I was not provided with any supporting evidence. I dont owe the account. Please help.
Consumer complaint received 2024-10-18
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This company credit acceptance and its predatory lending and finance hidden charges have destroyed me financially and otherwise this company is reporting 35 or more late payments of 90 days on all my reports destroying any possibility of getting another car loan or any other sort of credit products due to the erroneous and I wish I was a lawyer to say illegal tactics brought forth upon me and my family. I have asked this company to delete and update the reporting on my account to reflect accurate information they literally just laugh at me and right away my credit reports get dinged with late payments added instead of deleting them.in all my years I've never seen a company purposely and maliciously add on 30 or more late payments on one 's report its something that I will never forget because it's already a struggle and having this company do the types of things they're doing and the credit reporting agencies actually allowing such mess is another reason why I'm making this report.my balance is as to this company 's calculations XXXX dollars on a vehicle that when I bought it I put XXXX down payment and had a total price of XXXX which this company upped the car price and then added the down payment which if I show you the paperwork is kinda suspect.i bought the vehicle in XX/XX/XXXX and I stopped paying for the vehicle in XXXX of XXXX i did not make another payment until the vehicle was repossessed and i paid XXXX dollars or so to take back then I never paid until I called credit acceptance to come pick up the vehicle as a voluntary surrender they picked up in XX/XX/XXXX when this account was supposed to be closed they finally closed the account in XXXX XXXX.there should be no reporting on this account at all especially a reporting of a balance that's not accurate and not what was the agreed upon price of vehicle and my down payment was disguised as something other in the final paperwork which I have copys of.theyre charging some kind of daily compound interest that no one going thru financial health hardship can overcome.i had a XXXX XXXX on XX/XX/XXXX my birthday XXXX XXXX XXXX on XX/XX/XXXX 1 year before and now almost 2 years later I'm still dealing with this financial nightmare. They say I owe them XXXX dollars however are willing to settle for XXXX dollars. Does that even make sense? They're charging me interest and late payments on a vehicle I haven't had since XX/XX/XXXX please all I'm asking I'll pay you guys XXXX what your asking because that's about what I owe I'll pay please delete this payment history and account off my report after payment that's my resolution I'm going to borrow XXXX XXXX  from family to hopefully put this nightmare behind me. I hope this helps
Consumer complaint received 2024-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NY)

XXXX amount posted. {$8900.00} Date opened XX/XX/XXXX A certified letter was sent on the XX/XX/XXXX, Requesting for Debt Verification and Removal from Credit Report Pursuant to 15 U.S. Code 1681s-2 I am writing to request the immediate removal of a debt that you are reporting to the credit bureaus under the above-referenced account. This request is made pursuant to 15 U.S. Code 1681s-2, which ensures the accuracy and integrity of information furnished to credit reporting agencies.

Please consider this letter as my formal request for validation of the debt you are reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that you provide the following documentation to verify this debt : 1. The original agreement or contract from which this debt arose, including the names of all parties involved.

2. A complete account history, including any payments made, fees charged, and the current balance.

3. A statement of account showing that you are the valid holder of this debt and authorized to collect on it.

In addition, I request that you confirm whether this debt is being reported accurately to all credit bureaus. If any portion of this debt has been satisfied, discharged, or closed, I expect you to correct your records and immediately update the credit bureaus to reflect that status.

If you are unable to provide the requested documentation or if the debt is found to be inaccurately reported, I am requesting that you remove this debt from my credit file entirely, in accordance with your legal obligations under the FCRA. Failure to verify or validate this debt will result in its removal from my credit report. 
Please be advised that I am providing my consent for all communication regarding this matter to occur in writing only, as per my right to ensure all correspondence is properly documented. I expect your response within 30 days as required by the FCRA. 
If you are unable to validate this debt or fail to correct any inaccuracies in your reporting, I will take appropriate action, including but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of this debt from my credit report.
Consumer complaint received 2022-07-10
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. (GA)

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc. (NE)

an account was opened with my information on XX/XX/2022. I received a past due alert on XX/XX/XXXX. I tried to contact the company and they do not have a number I can talk to someone. This has affected my credit rating. Please advise. XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

My loan was sold to BSI in XXXX of XXXX. The agreement signed was for me to start making payments in XXXX of XXXX. When attempting to make my first payment I noticed the system would not allow me to make a payment and it was showing an incorrect balance. I reached out to BSI several times to fix the problem with no results. For 6 months I called and emailed XXXX ( my point of contact ) with no results. I have also attached a screenshot of her assuring me that her back office was getting the situation worked on ( it never happened ). So after waiting several months with no results I reached out via email to higher up in XXXX pretty much begging for them to please help me get my account updated. Well in XXXX the account finally updated. I then made payments for months XXXX since I was not able to before. My now issue is BSI is reporting my account as a disaster on my credit report ( which it is not ) and they are not reporting the payments as payed for months XXXX. I spoke with a rep today who advised me that per the credit department if they updated my credit report and remove the disaster that my loan would then show late payments. Mind you I could not make payments because there system didnt allow me to because they had not updated my file. It was showing an I corrected amount and they had me blocked from paying. If you go back and look at statements on this account from XXXX XXXX you will see what I am talking about. After doing some research I see where BSI was recently sued back in XXXX for the same issue that I am experiencing. If you all can not do whats right and update my credit report to reflect all of my payments, remove the disaster off of my credit report and make things right I am prepared to sue as well. This experience has been very stressful and emotionally draining. Attached is the first statement I recipient from BSI, one of the many emails from XXXX ( my point of contact ), a screenshot of the contract that I signed and a copy of the lawsuit that you all just had in XXXX and surprisingly I am experiencing the same issue with you.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (PA)

Experian is improperly and inaccurately reporting on my consumer report. Per XXXX XXXX XXXX Account. An increase in debt owed on the account. This has violated my rights per 15 U. S. C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account or its transactions without my written instructions. Please remove the inaccuracy. ( Increase in debt owed ).
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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. (NY)

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

1. XXXX XXXX BANK XXXX ( XXXX, XXXX ) 2. XXXX XXXX  ( XXXX XXXX )
Consumer complaint received 2022-07-10
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-04-26
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. (OH)

Experian failed to to delete the following account and inquiries based on ID theft FCRA 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my social security number to pull my credit score/ credit report. Police reports report ID, social security card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

The follow accounts and inquires request to be deleted based of FCRA 605 B are : XXXX. XXXX XXXX XXXX XXXX  account number : XXXX XXXX. XXXX XXXX  account number XXXX XXXX. XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX
Consumer complaint received 2022-03-10
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$18000.00}
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (TN)

I financed a car with NAVY federal years ago and car was repossessed and sold without a court order or advanced notice while I was XXXX on XXXX XXXX. I was supposed to be protected under SCRA guidelines. I have been tryin to fix this issue for years as it is still reporting a balance on my consumer report I tried to handle this situation kept being told they had nothing on file. I have attached the same document that was submitted from years ago.

Protection Against Car Repossession Under the SCRA. The SCRA prevents car loan lenders from repossessing your car without a court order while you're in military service. To qualify, you must have signed the loan agreement and paid at least the deposit or first installment payment before you entered military service.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 States : A consumer reporting agency can not furnish a account without my written instructions ; 15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (IN)

In accordane with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason