davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I open bank of america in XXXX  XXXX and checking account and I had soke fund and when I went to XXXX XXXX and I withdraw fund at casino atm and after {$1000.00} they intentionally block it and make me go casiher and run it as credit and charge higher fee and after I withdraw 4x and they kept freeze it until I spend alot of time calling and verify and unfreeze and after withdrawal 2x they again keep freeze many time as I had to call many time and each time I keep saying stop u keep blocking the accessing of my own fund and they ensure me won't happen again and ad I try to pull more money they block again and my data breach from their system they use my info for other cause and such and charge alot of fee withdraw as credit and not allow me to withdraw my own gund as I need to keep calling them to ask them for permission to access my own fund
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avant Holding Company, Inc. (IL)

Hello, I was harassed everyday by this company. They have bad reviews on the XXXX and their rating is a 1.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 
This was breached!! 

I was harassed day and night by this creditor 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was violated!!! I was stressed out and scared of what they would do to me in court and too my credit! 

This debt was paid already to which i am not legally obligated to this debt. They bought the loan from Avant which means the debt was paid for. 
This a violation of Title 15 USC!!

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 This was violated!!!

The law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend on pursuing litigation in this matter suing XXXXXXXX XXXX XXXX for actual damages sustained. 

I am the consumer which means if these laws are violated that is {$1000.00} per violation which equals {$5000.00}.
Consumer complaint received 2023-09-02
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. (NC)

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 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 2023-09-02
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-02
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I submitted a check, written on Home Credit Line with XXXX XXXX XXXX, to Bank of America ATM on XX/XX/XXXX, in the amount of XXXX, to be deposited into my Bank of America Checking Account. 

As per XXXX XXXX, the transfer of the full amount to Bank of America was completed on XX/XX/XXXX. 

Still, Bank of America has refused to give me access to this {$25000.00} until XX/XX/XXXX, more than 8 days after they have received the money from XXXX XXXX. 

I attempted to address this by first calling Bank of America, and then going to our local office here in XXXX, MO on XX/XX/XXXX. The local office manager,  XXXX XXXX XXXX XXXX XXXX stated that there was no way to release the money sooner so as of today, XX/XX/XXXX, the money is still not available to me. 

Just to be clear : Bank of America received the full {$25000.00} transfer from my personal credit line account on XX/XX/XXXX and has simply refused allow me access to my money for 8 days. 

This is simply unacceptable and illegal for a bank to refuse my access to my own money and so wish to file a formal complaint on Bank of America for this action.
Consumer complaint received 2023-09-02
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. (MO)

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the charge off and late/closed accounts still on my credit file which are appeared as late, the fact is, I've been paid it already. I dont even know why there's a charge off account in my credit file. I have carefully reviewed my credit report from your agency and have identified errors that I believe require immediate removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have carefully made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these charge off and late/closed accounts should be removed in my credit file immediately 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
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

Thursday XX/XX/2023 my account was flagged for fraudulent eligibility my account has stayed opened for about 2 months and has been in good standing. My account was closed 24 hours after I received an approval for a credit card. When opening the account I offered to provide documentation to establish my late grandfathers affiliation to the XXXX XXXX and was told by phone rep that it was not needed. On the day of and day before XX/XX/2023 I received plenty of troubles with the digital banking app prompting me to sign in on both web and app using others devices. I have a weekly direct deposit being received to the account and since it wasnt immediately closed I dont have access to my funds as it was flagged the day of my direct deposit. This has been a frustrating experience and I want the discrimination against me due to others frauding them to stop. I am a young good customer who adds nothing but positive equity back into the business.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo via email on XX/XX/year>. I have {$310.00} in XXXX XXXX XXXX rewards that I am trying to redeem. Wells Fargo confirmed I have these rewards. The rewards are only redeemable through XXXX. When I attempt to redeem with XXXX they say I have no cash rewards. Wells Fargo opened case # XXXX and Im an email said they would resolve the issue in 10 business days. I received another email from Wells Fargo on XX/XX/XXXX. The email said I need to resolve the issue with XXXX. I contacted XXXX on XX/XX/year>. After an hour on the phone and sending via email all the proof of my rewards being shown available on my Wells Fargo XXXX XXXX XXXX credit card XXXX transferred me back to Wells Fargo with no resolution.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BANK OF AMERICA XXXX
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc. (WA)

I have a cash app account and a cash app debit card. I took out a loan using the " borrow '' feature. It was a small amount. After I used the borrow feature, I got hit by a car on XX/XX/XXXX. The loan was not yet due. ( I have medical reports from the ER, a doctor who took me off work until further notice and an attorney on the case. ) I received my paycheck on the XXXX but it was considerably lower than I had expected, and I had to use all of my accumulated sick hrs to receive the amount that I did. I called cash app and spoke with them over their support platform to request an extension due to unforseen emergency circumstances. 

Cash app not only refused to even speak with me or transfer me to someone who could speak to me, but they informed me that regulatory laws prohibit cash app from speaking to me about my account through any method except email and that the expected wait time is anywhere between 30 and 90 days. 

They asked for the best email to reach me. ( They asked me to verify my account at the beginning, but didn't have my contact info? ) So I gave them my email and protested that such a wait time is not only irresponsible, but unprofessional. ( I have yet to hear from them ) meanwhile, I have no income coming in, my attorney has not yet settled the claim, my XXXX application is still pending and now they have tacked on late fees in a rather predatory fashion. ( I spoke to them BEFORE any payments were due, ) Cash app has completely ignored every attempt at communication. When I asked for their company information, they refused to give it to me. I asked for their corporate office address and phone number and they told me they are not allowed to provide that information. 

Additionally, they falsely advertise that their cash app debit card is a legitimate debit card and it turns out, it's not a legitimate debit card on any legal ground. It's a prepaid card. That's Not the same thing. It's false advertising.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (MS)

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor.

A detailed statement of the amount owed, including interest, fees, and any other charges.

Proof that I am responsible for this debt, such as a signed contract or other documentation.

The date of the last payment made on this account.

Documentation showing that you are legally authorized to collect on this debt in my state.

Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Consumer complaint received 2023-09-02
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. (NJ)

They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.
Consumer complaint received 2023-09-02
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-02
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. (ND)

In accordance with the Fair Credit Reporting act XXXX Account XXXX : 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX. XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.
Consumer complaint received 2023-09-02
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. (FL)

I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.