davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX I opened a checking account with Bank of America online. Once the account was opened I set up direct deposit for this account for my employer and also set up mobile banking everything was confirmed. On XX/XX/XXXX I received an email that my debit card was on the way. I tried to log into my mobile banking app and was told that they couldnt locate my account. I received my debit card on XX/XX/XXXX and attempted to activate the card and was told that the card number couldnt be found. XX/XX/XXXX I reached out to Bank of America to find out why I couldnt activate the debit card and it was at this time I was told that the account closed due to my identity couldnt be verified. I was never notified by Bank of America that they couldnt verify my identity. This is all happening during my pay week. Fast forward to Friday XX/XX/XXXX and my direct deposit is sent to this closed account. I called Bank to inquire about the deposit which they confirmed was pending which confused me because the account was closed. I was then told that a hardship request can be filed and I could go into my local branch to receive my direct deposit but when I get to the branch I was advised that is done via the customer service center and we placed a call to the contact center and spoke to a rep that advised me that the hardship withdrawal couldnt be done due to the transaction was still pending and I would have to wait until Monday to get any type of resolution which I advised him that was unacceptable because I was told that it could be done and also why would the bank accept a deposit for a closed account. He couldnt answer the question and tired to end the call I then requested a manager. XXXX  took over the conversation and was unsympathetic and cold she went on to explain that deposit was pending and nothing could be done. I also asked why the account was closed which no one can explain why.
Consumer complaint received 2021-11-17
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. (FL)

Several letters sent out and company contacted on XX/XX/XXXX. For the inquires shown on my report. XXXX XXXX XXXX PA XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Procollect Services LLC (ND)

I was served legal paperwork on XX/XX/XXXX from ProCollect Services seeking judgements against me for non-payment. I feel very threatened by this as I have never received any billing for these and the complaint and summons had no case numbers and have not been filed with the court in XXXX XXXX. The first one is XXXX XXXX and its affiliates in the amount of XXXX. I have never received any billings or correspondence from XXXX XXXX or ProCollect Services regarding any unpaid bills. I have had medical insurance be it through XXXX or my employer for the last 6 years so any charges should have been ran through my insurance. I moved in XXXX and have not been to XXXX XXXX or any of its affiliates since. XXXX XXXX and its affiliates have never showed up on my credit report showing that I had an account in collection. The second judgement they are seeking is for XXXX XXXXXXXX XXXX in the amount of XXXX. In XXXX XXXX XXXX XXXX repossessed my XXXX XXXX and after that I never received any correspondence or billings from XXXX XXXX XXXX  or ProCollect Services stating that I still owed anything. According to my credit report XXXX XXXX XXXX charged off XXXX in XXXX of XXXX and is in closed account status not collection status. ProCollect Services have not been listed on my credit report as representing XXXX XXXX or its affiliates or XXXX XXXXXXXX XXXX  to collect any unpaid bills. I find all this very unsettling and unnerving as I live in a very tiny town and now I'm sure most are wondering why the sheriff was at my home which is very embarrassing.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX  XXXX XXXX - ChargeOff XXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2021-09-12
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. (GA)

On XX/XX/2021 I 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 by my disputes. Section 611 ( a ). It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

I have been a customer for over 3 years with Chime and I have had nothing but positive things to say about the financial services Chime offered me. I have even recommended several people to them that have opened accounts with Chime. However, on XX/XX/16 they froze my account, an account that had over $ XXXX dollars in it. 
Since XXXX I made the decision to purchase a house and have been transferring funds over to my Chime account in preparations for closing day, which was ( XX/XX/16 ) yesterday, when my account was frozen. Because of their action against me, I was not able to continue with the purchase of my home. Which has left me and my family possibly homeless.
Consumer complaint received 2024-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America is taking unauthorized multiple payments of my checking account for my auto loan. I am ahead on my loan and have never had a delinquent account. This is occurring due a third party online banking glitch on their end. They are refusing to correct this issue and make a priority. I have called over 50 times begging for help because they are stealing money they aren't approved to take and absolutely refuse to correct the issue and blame different departments. They claim I need to speak to a supervisor but that no supervisors are available when I call. It's causing severe mental health stress for me and also causing issues with my other finances. This has been going on multiple months. 

Bank of America XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

Called PNC about closing bank account because I was automatically enrolled into their accounts through the acquisition with XXXX. They are charging a service fee ( which I did not agree to signing up for ) and now saying my account is overdrawn and are trying to charge my overdraft fees for a bank account I'm not even using! 

I have this all documented and receipts of my calls with them.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XX/XX/ of inquiry XX/XX/XXXXXX/XX/ of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (TX)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

This is another of multiple complaints about thisxsane bank and sane problem. The issue is the bank refusing to pay authorized payments claiming WE did not authorize. Vendor receives XXXX XXXX XXXX XXXX. Payment not made we are then in arrears, credit score messed up causing severe impact, and vendor action repossess vehicle for non payment. The bank continues to blame vendor while doing absolutely nothing to work with or resolve the issue. They will NOT REPOSINF. In writing or letterhead because that would be an admission of their failure. As noted this has and is causing severe credit and financial impact.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

My wife and I were traveling across country beginning Tuesday XX/XX/XXXX and returning on Saturday XX/XX/XXXX. I had just about paid off the Synchrony credit card to use for hotel stays and to purchase fuel as we travelled. Everything worked fine until the we tried to book a room in XXXX Arizona on XX/XX/XXXX and we were declined. I called the credit card company and asked why the card was declined. I was told that on XX/XX/XXXX ( the day before we left ) a fraud charged was placed on the card. They then allow 15 days of activity to transpire before the account is suspended. 

I asked why I was not notified by email, text, or phone call. I was told that they don't find this very secure. I was told that a letter was sent referencing the fraud charge and new cards were sent. As an aside, when I returned home there was no letter of any kind from Synchrony credit card company. However, there was a new credit card that came in the mail. 

On the phone, I asked them to reissue the number they cancelled so that I can continue my trip with my wife. They were not able to do so. If I did not have another credit card I'm not sure what I would have done. I expressed my anger to them and asked for the phone call to be elevated to a manager. As I talked with the manager, I asked what was the fraud charge? They did not know or couldn't tell me but someone did something. I said you then wait 15 days of charges to occur and then you stop the card from being accepted! 
The response was that if they find there were invalid charges by someone else they would remove the charges. I said that sounds ridiculous. 

I find the company irresponsible for the havoc and anger they created for us and I have no intentions of using their cards again without knowing their justification for this action. I'm hoping you can find out what happened so that this does not happen to someone else. Thank you
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (IL)

I recently checked my credit report and noticed there were XXXX  loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, XXXX, and Equifax via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Per the FCRA, as a federally protective consumer, I am now opting out of any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

I Sent out notification multiple times last year for opt out and transaction reporting letter notification needs to be addressed as a federally protected consumer.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TX)

In XX/XX/XXXX, I opened an auto loan account with XXXX. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to NCB who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
Consumer complaint received 2022-08-08
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. (VA)

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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

Second complaint - the company 'answered " the first complain but didn't answer anything. 

# 1. I called again to reach someone - failed. I called again and got someone they transferred me to someone else and it got nowhere. I am TRYING to resolve this but they won't let me. It's just a continuous phone ring that never leads to anywhere. I left another voicemail. 

# 2 Again, I never got the message that this was going to collections- and you guys just moved it to collections without notifying me. I didn't even know that I had outstanding balance. 

# 3 Prove to me that I am responsible for the alleged claims. They have failed to do so. I don't need to see " repair bill this amount '' I need to see specified itemized list of precisely what happened. This is my reasonable request. Please prove to me that I caused the damage and exactly what.

# 4 company replied to my previous complaint by saying " contact us '' I DID. I am not getting anywhere.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (AR)

I've sent the experian multiple letters, where they are still avoiding me and my disputes. I also contacted the alleged creditor and they also couldn't provide me what i asked for. 

Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and they responded by stating they were able to verify not validate this debt. 

Tell me how is that possible when experian and webbank have employees and an automated system judging my disputes within seconds? 

Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. 

I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, experian are obligated by law to remove it from my credit file. I urge experian to remove this account before I am forced to take legal action. 

If experian can not verify the item pursuant to FCRA. And they continue to report it on my credit. I will find it necessary to ( Sue them for actual damages and defamation of my character. According to FCRA regulations, I may sue in any qualified state or federal court including small claims court in my area.
Consumer complaint received 2022-08-08
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. (FL)

Pursuant to USC 15 Ch. 41 ( III ) 1681 - Congressional findings ; Equifax reported false accounts, unauthorized inquires and scores to third parties. Therefore, not exercising its grave responsibility of fairness, impartiality, and respect for my right to privacy.
Consumer complaint received 2022-08-08
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 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.
Consumer complaint received 2022-08-08
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 purpose.