davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I made a deposit of {$4000.00} to this account with a cashier 's check from my credit union XXXXXXXX XXXX on XX/XX/2024. I was advised when depositing the check that initial there was no hold to then be told after the check was deposited that there was a XXXX hold, and she would see if she could release the funds by Wednesday. I leave the bank and check my deposit slip and it states that there is a XXXX  day hold on the check due to my account being overdrawn multiple times. Wednesday comes and no call from teller as stated. So, I go into the branch and ask about the status of the deposit and to have some of the funds released as I planned to go out of town and had items that required payment in a couple of days. I was told that there is nothing that they can do. So, I then speak to the bank XXXX who advised me that due to fraud being on the rise that they can not my credit union, the bank can not release the funds, and she's unable to call corporate because I haven't been with them for XXXX  years ( but I've been with them for about a year and a half. I proceeded to show the stub of the cashier 's check which showed that the cashier 's check was valid and asked wasn't a cashier 's check supposed to go in as cash she advised no and that she would contact corporate to advise of the wording on the deposit slip only and then stated that the funds were not released from my credit union. I left the bank XXXX and informed her that I was filing a complaint as this is unacceptable and unfair. I reached out to my credit union and advised of the situation and was advised that they cleared the funds on XX/XX/XXXX at XXXX pm. I then proceeded to contact the bank via phone and spoke to a XXXX  XXXX who basically advised the same thing that I would have to wait for the hold to be released. This is unacceptable if my credit union cleared the funds then the funds should have been in my account on the XXXX not me wait until XX/XX/XXXX according to the receipt. But upon checking further and as advised by the XXXX XXXX XXXX online the release date to release the funds shows XX/XX/XXXX. There is always a problem with this bank and every complaint goes unanswered. I want my funds released immediately, an apology, and the closure of this account, and this company should shut down completely. I will also move forward with filing a complaint with the Attorney General office as I feel like my race played a part in why the XXXX at the branch did not attempt to assist me.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

I used Coinbase on XX/XX/XXXX to buy bitcoin from my XXXX account. I thought this would be available. After contacting Coinbase about this, they told me I owe them {$2600.00} from my old account. My bank account was hacked and used on coinbase and they are trying to tell me I have to pay this to them. Now I {$1000.00} locked in Coinbase that they will not release to me. I never even received notification of these debts they claim I owe. They just let me use their service and then hold my money hostage. I do owe them any money. I would like them to return my money that I used through XXXX on their website.
Consumer complaint received 2024-10-14
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. (TX)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH
BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-03
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. (PA)

In accordance of 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 has violated my rights. 

I looked at my XXXX, Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have been disputing fraudulent accounts from identity theft. I filed all the correct paperwork according to the FCRA. My disputes are not being filed correctly and the paperwork is not being attached to the disputes. And I am not getting the copies of the verification process that I am requesting.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Recovery Corporation (TN)

I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I have sent several certified letters to equifax, XXXX and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

Hello to whom it may concern. 
I been awarded my deceased parents property in XXXX Mass ( XXXX ) probate was a long delay, over 5 years in limbo, finally the court has signed off on the estate. The mortgage payments was not able to be paid by any family members while the property was in probate. This has caused a large past due balance owed. 
I now have legal procession of the property, I contacted Chase bank to let them know. 
I have had my name added to the tittle deed and also the home owners insurance put in my name. 
I filed for a loan ussumption and modification and was denied reason stated in letter. 
we could n't verify your incomes/ or employment on the information you provided. 
I called immediately I said I provided all documents that was requested. 
XXXX monthly bank statements these statements included my direct payroll deposits and first floor tenants lease monthly rent. 
I also provided XXXX payroll stubs as requested. and the XXXX XXXX form as requested. 
Chase had many ways to verified my income and employment City Of XXXX, I sent a letter by via fax to dispute the denied letter. 
I feel Chase bank is not doing all the research as required, I contacted my employment XXXX City of XXXX treasury department and asked if a mortgage company contacted to for status of my employment income status. 
I was told no mortgage company had contacted them. 
I feel that Chase bank or the under writers and the investor ( XXXX XXXX XXXX ) IS TRYING TO STEAL MY PARENTS HOUSE FROM ME please any help or legal direction advise would be helpful thank you
Consumer complaint received 2016-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OR)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.
Consumer complaint received 2016-10-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

18 month no interest to purchase a bed statement said minimum of {$60.00} plus change Ipaid {$70.00} per month. I just paid the {$70.00} every month expecting to pay off the loan a little quicker. paid attention to XXXX bill and it had charged me interest tnen i saw my debt back over {$1000.00} I called they said my months were up and i still owed $ $ $ i hadnt paid so all of the interest was now charged
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

This is complaint about Wells Fargo Dealer Services. 
We have a car loan through Wells Fargo Dealer Services. We make our payment using their online payment system. This XXXX 2016, Wells Fargo Dealer Services requested an additional {$1300.00} above what we authorized from our checking account which is with XXXX. I spoke with both Wells Fargo and XXXX who we our checking account with on XXXX XXXX, to try to correct this issue. 
XXXX : XXXX XXXX, we made a {$360.00} payment to Wells Fargo via their online payment system. 
XXXX XXXX, we made second payment of {$500.00} to Well Fargo via their online payment system. Our total authorized payments to Wells Fargo Dealer Services is {$860.00} XXXX XXXX, XXXX sent a payment of {$500.00} to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. 
XXXX XXXX, XXXX sent another payment of XXXX to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. This is {$500.00} more than the total authorized with the XXXX XXXX and XXXX online payments. 
XXXX XXXX, XXXX sent a second payment of XXXX to Wells Fargo which cleared our XXXX checking account. This payment was not authorized by us. XXXX claimed this payment was made as a retry request from Wells Fargo. As of XXXX XXXX Wells Fargo claimed they did not receive this payment and would not have requested a retry unless a payment had not cleared. 
XXXX XXXX, Wells Fargo agreed to refund the {$500.00} XXXX XXXX payment they received. Wells Fargo said we would receive a check in 5 to 7 business days. 
XXXX XXXX, XXXX refunded to our checking account the XXXX XXXX XXXX payment that was sent to Wells Fargo and not received. 
XXXX XXXX, We received the check for {$500.00} from Wells Fargo and deposited to our XXXX XXXX account. This deposit was placed on hold by XXXX for up to 10 days. 
XXXX XXXX, XXXX notified us that the {$500.00} refund check from Wells Fargo is being returned and not deposited. 
As of XXXX XXXX, Wells Fargo has held {$500.00} that they were not authorized to receive and claimed to refund for 21 days. And we incurred a {$5.00} returned check fee from XXXX. 
Wells Fargo is holding money that is rightfully ours for their benefit.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The balance on the credit card with XXXX XXXX is incorrect. I filed a complaint with the company on numerous occasions and they have yet to update the correct information nor have they sent proof of the account correct balance.

The account was deleted in 2017 and has since reappeared on my credit report with inaccurate account high balance of {$1200.00}. Please remove asap!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I am writing to formally request the immediate removal of multiple unauthorized inquiries from my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), a consumer report may only be accessed with a permissible purpose, as stipulated by 15 U.S.C. 1681b. This statute requires that credit inquiries be based on legitimate grounds such as consumer authorization, a court order, or a transaction initiated by the consumer.

Upon review of my credit report, I identified numerous inquiries that I did not authorize and that do not meet the permissible purposes defined by the FCRA. Furthermore, 15 U.S.C. 1681e ( b ) obliges credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681s-2 ( a ) and ( b ) holds information providers responsible for reporting accurate information and not furnishing details if they have reasonable cause to believe the information may be inaccurate. 

Given these legal requirements, I request that the following unauthorized inquiries be immediately deleted from my credit report : Unauthorized Inquiries to be Removed : 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  These inquiries were not authorized by me, and no permissible purpose exists for these entities to access my credit report. Therefore, I request the immediate removal of these inquiries from my credit report and that you provide a written confirmation once they have been deleted. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further information.
Consumer complaint received 2024-10-14
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. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.