davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2024, I got an XXXX  charge for XXXX On XX/XX/2024, I got another XXXX charge for XXXX on XX/XX/2024, I got another XXXX  charge for XXXX On XX/XX/2024, I got another XXXX charge for XXXX A total of XXXX. I called XXXX and my bank about this fraudulent transaction, and they denied my claim even though XXXX said they would credit my account back and close the account from which those transactions came. 

Regrettably, Bank of America has not been helpful in this matter. Despite my repeated attempts, they have simply denied all these claims, leaving me frustrated and in need of a resolution. 

I need to get that money refunded to my account from XXXX and Bank Of America. These big companies go after low-income families and don't care about these issues. 

I would like Bank of America to honor the following statement The FDIC provides deposit insurance to protect your money in the event of a bank failure. Your deposits are automatically insured to at least {$250000.00} at each FDIC-insured bank.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank waited until my pay day and closed my account without warning, I am left without money to pay my bills or feed my family. They will send me a check that they said cant be guaranteed to arrive in 7 days from now today is XXXX. If not a check will be mailed on the XXXX of XXXX. They gave me no reason or ever reached out to me so it came as a shock.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

623 ( a ) ( 7 ) of the FCRA states Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. To which I never received. Its evident Bank of America did not follow procedure to which has violated my right. If your company feels that I am wrong and yous did send the required letter and meant this law plz send me roof that you did so however I am in Emphatically positive you did not because as I stated no letter was received. Also I was never late on this account. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Entrata Inc. (GA)

I received a denial letter from Resident Verify, a division of Entrata Inc. today. I do not waive my right to privacy. I did not give consent to Entrata Inc., Resident Verify or its affiliates to assemble, furnish or share a derogatory tenant screening report without my consent. I am now damaged by the information Resident Verify provided and will provide to future companies who may use them for services. I called to opt of their sharing of consumer information that is needed to apply for housing. i was denied housing as a result of the report Resident Verify and Entrata Inc. shared without my written or express consent. Resident Verify does not have a permissible purpose to share consumer information without the consumers consent to whom it relates. I incur the loss of {$300.00} USD I paid XX/XX/2024 for the application fees that have not yet been returned to date. I have also paid for hotels because I did not receive an approval based on the information Resident Verify alleged report compiled and certified to the fair housing agency. I am damaged and I require {$2000.00} USD for food and shelter for hotel expenses for 15 days.
Consumer complaint received 2024-07-22
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. (GA)

I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.
Consumer complaint received 2024-07-22
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. (TX)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account to ensure its accuracy. The account that I am asking you to verify and validate : Account Name : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-07-22
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. (NV)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-22
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. (GA)

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. 
Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ).
Consumer complaint received 2024-07-22
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. (TX)

After several efforts to prompt Experian to investigate the issue, they continue to end up with the same result, being no change to the incorrect payment history and account status on our account with XXXX XXXX. We have made numerous investigation requests and Experian remains unable to get XXXX XXXX  to provide the same information that we have been given by the company. The account was never delinquent. It has been on a forbearance and now we were in a period of beginning a loan modification. Despite all of this, the research team at XXXX XXXX  and now Experian are trying to make us out to be deadbeats.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TN)

I received a response from XXXX XXXX XXXX on XXXX XXXX. Account ending XXXX. XXXX XXXX. Im once again Informing you that I do not recognize this fraudulent account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609 ( 5 ). Im requesting. The bill of sale, and all billing sales. Im also requesting proof that they are the original due holder In the course of this debt. Im requesting that you show proof of where you bought this debt. Im requesting proof of counter records and The proof I opened this debt Until this present time. Im requesting that You show the original contracts with this company that created this debt, bearing my signature and authorization, and all documents associated With this debt. Im requesting your method of verification Pertaining to those documents As is my right per fair credit reporting act 611 ( 5 ) ( a ). I am informing you that your offenses amount to aggravated identity theft Pursuant to 18 U.S.C.~1028A. You have knowingly transferred, Possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, Imprisoned for not more than two years, or both. Consumers suffer harm When consumer reporting agencies and furnishers of information Allow fraudulent activities to persist without proper authorization from the consumer. These harms include, The invasion of consumer privacy, emotional, physical, and Economical harms. Ive been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting act. Therefore, Im demanding these accounts be blocked and deleted because they dont belong to me. Im attaching proof of my incarceration As well as my federal prisoner ID, Federal Trade Commission identity theft affidavit.. I have attached letters from government agencies with post office stamped dates during the times that this fraudulent account was opened. Im once again, giving you the opportunity to follow the laws required and do the right thing.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (AZ)

Trans world system inc
Acct# XXXX XXXX XXXX XXXX XXXX D. CXXXX

15 usc 1692 c (c)
Please remove collection from my credit
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank America Credit Card has consistently failed to remove the pending charges upon posting the actual charge to the credit card. So, in effect the balance used and available is incorrect for a week. This can affect future purchases and credit history as essentially it doubles the balance incorrectly. Upon call a couple months ago it was a system glitch but has happened multiple times since. Seems to relate to multiple retailers including XXXX purchases. 

The most recent item was over XXXX dollars. The item was hard charged to account on XXXX XXXXXXXX and still showing both the pending charge and the actual charge, with exact same amount. This shows user has used over XXXX in credit card which is false. Charge has been finalized and even partial payment made. 

Bank America has no email feature, no chat feature, and requires consumer to call in. Employees are nice but full of excuses and fail to resolve permanently. This is a system issue and appears they have no intention to resolve and stop harming clients with double charges.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank Vice President XXXX XXXX in XXXX XXXX, FL told Me that because his " personal contact '' no longer works for XXXX  XXXX XXXX he could not help us with a check that they put on a 6 Day hold without warning, he also told us that Its been " Years since he had seen a check that looked like that at TD '' ( Come to find he has worked there for just 10 months )- and that " XXXX doesn't verify checks over the phone '' I informed my Father in Law who wrote the check and he called XXXX, they advised us that this had already processed and that they DO verify Checks for TD Bank all of the time. 

Every other Bank I have used notifies you before depositing that there is going to be a long hold with a warning, even at the ATM. We would have simply cashed the check at XXXX had we been informed. After returning home 5 minutes later, I e-mailed XXXX XXXX providing the number that XXXX supplied and He has yet to respond. 

TD Bank obviously wouldn't base Corporate Policy on whether XXXX XXXX XXXX  " Personal Contact '' still works for another Bank, he clearly didn't want to help me. In addition my husband ran the scenario by a banker at another branch and they said " Of course XXXX verifies checks over the phone '' We are a family of XXXX, My husband needs his Medication and I already have had to cancel a Dr appointment because XXXX XXXX XXXX  personal acquaintance no longer works for another bank when he could have found the number online to verify checks at XXXX and resolved this with 5 minutes of his time, very sad.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

On XXXX XXXX, I sent a certified letter to **Department of Education/Aidvantage** requesting the **Original Instrument of Indebtedness** and any other pertinent loan documentation under **15 U.S. Code 6802** - Obligations with respect to disclosures of personal information. The letter was returned to me, which I believe constitutes a deliberate delay tactic in addressing my request and obligation as outlined in federal law.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (SC)

Capital One NA XXXX capital one XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I never applied for these this account this is an unauthorized and inaccurate INQUIRY.