davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Good afternoon. This compliant is with respect to Bank of America and access to funds, by means of bank branch teller access. 

Bank branch lobby banking remains restricted to a considerable degree at most branch locations in the XXXX, SC market. During the heigh of the COVID-19 pandemic this was appropriate. However, branch hours restrictions continue, and in certain extreme cases, some branch lobbies remain closed ( though the bank entity remains open ). This adversely affects a consumer 's ability to access funds in scenarios where ATM access in not enough ( such as very large withdrawals beyond ATM withdrawal limits, or in the case of obtaining certified funds ). In these instances, use of a bank teller clerk is paramount. 

As recent as XX/XX/2022, one Bank of America branch in XXXX, SC posted their branch business hours as XXXX to XXXX Monday through Friday. This lack of access severely restricts the client 's access to their deposit accounts. Additionally, these limited branch business hours are not industry standard, nor representative of prior Bank of America baseline business practices. This could be construed as purposefully withholding access of client funds, possibly to gain further accrual of interest by the financial institution where the funds are deposited.
Consumer complaint received 2022-10-30
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: Manhattan Beach Venture, LLC (AR)

the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies XXXX XXXX, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (GA)

Account will not allow me to establish a checking account as advertised. I established this account and Netspend wrongly cancelled it. As a result of a previous complaint, Netspend, who was in the wrong reestablished the account, however, the savings feature of the account was frozen out until XX/XX/23. On XX/XX/23, I attempted to reestablish the savings account feature of this card. I was unsuccessful, due to an " unknown error '' and called the customer service line as instructed. 

Multiple calls to overseas customer service yielded no resolution. With four calls, I have received four different answers, of which none of them are true. As of today, I am still unable to use the savings account feature of this card.
Consumer complaint received 2022-10-30
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: World Acceptance Corporation (TN)

DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH XXXX XXXX  BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Consumer complaint received 2023-12-18
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. (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 Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (CA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding the late opening of my account with your company. 
I initiated the process of opening an account with your organization. However, despite the assurance of a timely response, I regret to inform you that my account was opened later than the agreed-upon timeframe. This delay has caused inconvenience and frustration on my end. 

I understand that unforeseen circumstances may arise, leading to delays in processing applications. However, the lack of communication regarding the delay has exacerbated the situation. A transparent and timely update on the status of my account would have been appreciated, allowing me to plan accordingly. 

I request that you investigate the reasons behind the delay in opening my account and take appropriate measures to ensure that such delays do not occur in the future. Moreover, I am seeking assurance that my account is now fully operational and that all necessary corrections have been made. 

Timely and efficient customer service is crucial for establishing trust and satisfaction among your clientele. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX : {$20000.00}.
Consumer complaint received 2022-10-30
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. (IL)

Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had issues with my inaccurate information being reported on my credit report and I sent a certified letter to Transunion, along with a copy of my drivers license and proof of address via a utility bill, to verify the validity of the inaccurate information or to remove the information immediately. Instead of doing either of these, Transunion instead sent me a letter as a stall tactic which violates the law. The certified letter was sent and received by the company, TransUnion about 18 days ago.
Consumer complaint received 2024-01-31
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-10-29
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. (CA)

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Due to loss of income during the pandemic, I got behind on mortgage payments. Our servicer offered me a modification, and I have been making trial payments. For some reason, they refuse to let me make these payments online or through the phone system. Instead, my only option is to drive to the post office, purchase a money order, and mail the payments to a XXXX XXXX XXXX XXXX. Each monthly payment must be received by the end of the month. On XX/XX/2022, I purchased a money order for that month 's payment, and paid the post office {$8.00} to send it via XXXX XXXX, which would ensure that the servicer received the payment by XX/XX/XXXX. However, after I left the post office, something happened that was outside of my control. We live in the XXXX XXXX XXXX XXXX XXXX, and on XX/XX/2022, Hurricane Ian was in the XXXX XXXX XXXX and projected to move past us and make landfall in the XXXX. The post offices in all of XXXX XXXX made a unilateral decision to close their offices that night, and not reopen until after the hurricane passed. On that same evening, XXXX XXXX XXXX also made that same decision and shut down our airport. Neither reopened for three days, and my payment did not leave XXXX XXXX until they did. My servicer reported my payment, which it received on XX/XX/XXXX as " late '', and canceled my modification. There was absolutely nothing I could do to get that payment to XXXX  by XX/XX/XXXX, and I'm being unfairly punished for something that was out of my control. Had the servicer permitted me to make online or phone payments, the payment would have been on time.
Consumer complaint received 2024-01-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Tried purchasing " online '' on XXXX, XXXX, XXXX, XXXX, XXXX, and it continues to get declined. Although, there is a full balance available. I thought it was a mistake. Purchased another Amx prepaid gift card and same problem.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (SC)

I started an application online with American Express Hilton Honors. I decided I did not want to go through with applying or getting a new card so I never submitted the application and forgot about it. A card was sent to my house. I immediately shredded the card thinking it was something I was supposed to activate. In fact Amex stole my information online and opened the card against my knowledge and will. I found out about it when I received a late fee for a service charge on the account. I have spent hours on the phone with the them. They tell me its fixed but then a late charge is still existing and effecting my credit. I can not resolve this and need help.
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (VA)

Reached out to the company on XX/XX/23 to dispute 12 unauthorized inquiries on my credit report. Within a few hours the dispute was complete and the company stated the inquiries were factual. When calling the company to see what information they used to investigate or verify the inquiries they could not provide me with the information requested. Stated according to the FCRA those unauthorized inquiries must be removed and I was ignored. The company did not complete a thorough investigation of my dispute.
Consumer complaint received 2023-12-19
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them
Consumer complaint received 2021-09-10
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. (FL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.
Consumer complaint received 2023-12-18
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. (FL)

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 XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TN)

The issue arises as I was believed to have XXXX in XXXX, XXXX and XXXX. 
Symptoms were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX I live in has Declarations for covenants and Restrictions. The HOA is responcible for exterior maintenance and Roof. In XXXX they would escalate the HOA Dues nearly double from the say I moved in.6 Upon examination The HOA concealed a Capitalization Fee Average of {$1500.00}, on all transfers charged to the Buyer, they did not report the additional revenue s deposited into the HOA Account and admitted the funds were drafted to the Developer, XXXX XXXX XXXX without any documentation or disclosure to members. I would bring this to light and also state that HOA Fees collected at closing were unlawful under TN XXXX Annotated XXXX thru XXXX " TENNESSEE XXXX TRANSFER FEE BAN '', and I also reported that reserves were short in the carryover sums from year to year with erroneous entries amounts beginning in XXXX. 
XXXX while manging rentals in XXXX the roofs were often leaking. Met the roofer and he stated in a recorded transcript the HOA was given an estimate as the roof was 5 years beyond recommended replacement, All said The HOA would not repair the mastr suite from rain damage in XXXX in my home, I repaired and billed the HOA and ended up in XXXX XXXX XXXX unit from XX/XX/XXXX to XX/XX/XXXX, I learned Mold Toxins were the cause not covid and proceed to bring personal injury suit against ther HOA, Then I recieve a demand Letter from an attorney in XXXX calling my XXXX that was currently ammennded and modified not due for payments until XX/XX/XXXX. The attorney for XXXX Bank, the merging Bank with Suntrust, would provide me an opprtunity to sell on the open market after I explained I had an amended agreement and that if I sell below market I will sue for damages. I learned Friday, that the Attorney represeting the XXXX, would take my social security number from the General Sessions Judgement run my credit and see that the XXXX is in default, XXXX interefering with my first which was in final documnetation for approval when these Foreclosures began to occur. The Law fim Acting as Substitute Trustee XXXX, Sellers, XXXX, & XXXX XXXX, main office is in XXXX TN ( XXXX ) but the Attorney acting as Substittute Trustee.is out of XXXX. The Attorney for the HOA XXXX XXXX, XXXX XXXX is based in XXXX, and having suppeona my finances would know my limited resourse to fight in civil. My XXXX XXXX Persoanl injury AND PROPERTY SUIT WOULD FOLD AS THEY i CONTACTED XXXX WHOLE SALE BUYERS AND THE DEVELOPER WOULD DENY THE PRESENSE OF MOLD.