davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On the evening of XX/XX/23, from XXXX to XXXX XXXX, in the XXXX parking lot in XXXX, TN, I engaged in a transaction with an XXXX man. I attempted to purchase a product from him, but he, suspecting me to be a police officer, requested a {$300.00} deposit to be paid into their bank account. After making the payment, he compelled me to provide my passport and driver 's license information for verification to ensure safety. Subsequently, claiming that my information could not be found in their system, he demanded an additional {$2000.00} deposit. Under duress, I transferred the amount to their account. They then began to threaten me, citing possession of my personal information, and warned of harm to my family if I did not provide more money. In the end, I had to compromise and transferred {$1200.00} to their account. Immediately after the incident, I fled the parking lot and the next morning went directly to the police station to file a report. I also submitted an application to the anti-fraud department of the XXXXXXXX XXXX, detailing the incident. However, the bank did not actively assist in recovering my losses. Two weeks later, they informed me that my application materials were incomplete, and they were unable to recover my funds.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Mohela is my loan servicer. They have an alert on my account to recertify my income for my income-based repayment plan. Mohela is requesting that I recertify by XX/XX/XXXX. The federal guidelines from the Federal Student Aid website are : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I have sent two messages to Mohela about this issue, one message on XX/XX/XXXX and another on XX/XX/XXXX. I have no received a response to either message and the recertification date is still wrong on my account. 

Recertifying my income early will have a massive impact on my tax filing status for XXXX taxes. This needs an immediate resolution and Mohela is not following federal guidelines. I have tried contacting them via phone but the hold times are often 3+ hours, which is unacceptable.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I in GOOD FAITH signed up for a checking account & Credit Card from " Trust Bank '' to comply with the terms of a XXXX Dollar promotion. The promotion was for XXXXXXXX XXXX if an Checking account was opened, a Credit Card successfully opened and Direct Deposits of at least XXXX XXXX deposited into the account in 90 days. I am retired & on a Fixed Income, I have a pension of XXXX which XXXX deposited on the XXXX of Each Month. After meeting ALL Criteria Truist Bank which earned XXXX XXXXXXXX XXXX last quarter informed me that 1 of my last six months deposits SOMEHOW?? reached their bank on the XXXX  of the month thereby invalidating my claim to the stated Bonus?? I think anyone would agree this is NOT operating in Good Faith with the public. I pray you can assist me in this matter.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score
Consumer complaint received 2023-12-01
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: SECURITY FINANCE CORP (TX)

Security Finance, starting XX/XX/XXXX, again XX/XX/XXXX, then once more time on XX/XX/XXXX they have shown up on my hard inquiries.Keep in mind all 3 times without my permission or consent. I did get a loan out through them over a year ago, but was unable to pay them back in full due to financial hardship.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX, Transunion, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score
Consumer complaint received 2019-09-13
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: WELLS FARGO & COMPANY (KY)

I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Consumer complaint received 2023-11-30
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote XXXX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now XXXX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, XXXX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table XXXX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt XXXX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) XXXX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet XXXX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To : Trustee and CFO  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your Brethren : 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The automated credit card payment system continues to collect payments unless it is manually terminated. If automatic payments were set up for {$5000.00}, BoA may collect {$10000.00} before stoping the payments by itself. Automatic payments must then be set up again manually or late payment fees will be assessed without intervention. This is not standard or acceptable automatic payment behavior for credit cards. All other credit card providers stop payments at {$0.00} and start again without manual interaction. This system steals interest, requires a lengthy call to request a refund, and drastically increases risk of avoidable late payments. Further, for the elderly, they may die before this is straightened out, leaving BoA with funds effectively stolen from their heirs. No justification was provided for these terms.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

A few years back, I only had XXXX checking and XXXX savings account with Bank of America. Additonally, I had my mortgage with BofA. At that time my relationship with them allowed me to open up another checking and savings account at no additional cost. I didn't think I needed them, but they suggested that because it was no additional cost it would give me flexibility to manage my monthly expenses. Since it didn't cost anything additional, I didn't see the harm in it. Well, BofA sold my mortgage to another company and they have since changed their tiering and fee structure. Now, I'm getting fees on those additional accounts. I've spoken with mulitple reps trying to ensure that I don't get additional fees, but the fees keep popping on different accounts. Also, asked for a refund to no avail. What they have done is a clear violation of the Unfair Deceptive Abusive Acts and Practices statute. This is exactly the same thing that XXXX XXXX was guilty of and the CFPB should investigate the number of other accounts where this is happening.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, I had a Chase Secure Checking account and discovered fraud on my account this week. I immediately notified my bank on Wednesday morning, XX/XX/XXXX, and they recommended to me that we close the account and I go into the branch and open a new account. I did as instructed and spoke with a relationship manager who then opened my new account and ordered a debit card. We moved the funds over to the new account and that was that. I have yet to receive confirmation of my new debit card being shipped yesterday or today so I call the bank today, XX/XX/XXXX, and they tell me that due to a review of my account they are closing it with no further communication or explanation. It makes no sense and they refuse to help or to give me the chance to push for a second chance with them. The lack of detailed communication is further infuriating.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

On or around XX/XX/2019 Doctors Business Bureau took adverse action and placed a collection account on my credit file ( s ) ( XXXX ) without providing me with notice or allowing me to dispute the debt which adversely impacted my credit rating. This resulted in financial harm, as well as emotional distress and mental anguish.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number. 

I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc. 
The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX. 

The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX. 

I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. 

I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.
Consumer complaint received 2023-11-30
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. (MN)

I am a victim of identity theft, and my right to receive all documentations requested, the method of verification use and the reason why you continue to remove several variation of my name that I have never use. I have provided all information requested from me such as identification, identity theft report and SSN that was provided to you by certified mail, and you have ignored my request by been the only reporting agency validating this fraudulent accounts after providing all documentation pertaining to this matter. This is my fourth letter and you failed to response to my request. I want you to provide me with all documentation from the furnisher of these accounts listed below. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX Please remove address on my report. I have never lived there XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please notify furnishers of the Information that under the Fair Credit Reporting Act ( FCRA ) that I request all documents relating to these accounts be provided if the victim asks. Please send me copies of all records relating to the account, including : XXXX. Account applications with my full name and not someone with a similar name made on paper, online, or by telephone. 
XXXX. Account statements or invoices XXXX. Records of payment or charge slips and when did account was open XXXX. Delivery addresses associated with the account XXXX. Records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts. 
Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft. 
Stop reporting information about the debt to credit reporting agencies and the reasons I have provided a copy of my drivers license, SSN to remove names such as XXXX XXXX XXXX and XXXX XXXX. I have never used these names or lived on addresses you continued to link with my name. I have no middle initial nor open accounts on that name. If you have such information please provide all documentation to me at the address above.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXXXXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

Date Opened : XX/XX/2023 Balance : {$230.00} High Credit : {$260.00} Credit Limit : {$450.00} Payment Status : 30 days past due two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

Victoria secret is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave VICTORIA SECRET any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. VICTORIA SECRET has caused stress and XXXX due to the abusive and unfair practices.