davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were 4 charges to my bank of america checking account in the amount of {$290.00} from XXXX services. I called my bank upon noticing these charges and immediatley reported them as fraud. as I have NEVER done business with this merchant. I filed a claim the funds were returned and i filled out an affidavit and returned to the bank to fight these charges. The bank them AGAIN took these funds which caused my account to go into a negative. I called the bank and they advised me that while this dispute was in investigation they would reverse all NSF and returned funds charges to me when the permanent credit was returned by the merchant.c I spoke to the merchant myself and advised them i have never done business or authorized them to pull funds from my account which they confirmed and returned my funds to my account on XXXX. Bank of america charged me a total of {$3300.00} in fees due to this and as of today XXXX have not returned a single one which they have told me numerous times would be done as i have been a customer since XXXX and my account is NEVER in a negative. I called last week and spoke to a supervisor who agreed all funds would be returned to me no later that XXXX.
Consumer complaint received 2023-11-21
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. (PA)

I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on Transunion, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both Transunion and XXXX are reporting the account number [ XXXX ] while XXXX is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2019-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS TAKEN PLACE. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX MD
Consumer complaint received 2020-01-21
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a creditor XXXX XXXX XXXX, I paid this credit card off and the creditor said they would remove and delete this account off my credit report but never did. Also the they have put the same account on my credit report twice because the first credit card I had was lost and they issued me a new card with a different credit card number.This is very wrong what they have done to me.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I woke up with the news that my XXXX account from Bank of America had been compromised and money was taken out. According to the representative all ATms had been compromised I want aware of this and many accounts have been hacked. Card had to be closed and remaining funds could not be acquired at all only by paying a fee of $ XXXXand sending it to XXXX XXXXXXXX . Not only I have no money but I have to pay to get what's left. This was my only income and they made it so hard even to release my funds I have to wait and they processed an emergency but they don't know how soon I get my money back. This is really bad practice for this bank that is so large.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transunion continue to report me as being late 18 times when I've submitted several times that this account with XXXX was in a hardship forbearance Hardship forbearance or deferred payment make me not liable for making payments during that time. 

During the time of the 18 months my account was in forbearance and not only is the actual late payments wrong but the amount of late payments are wrong - I only make payment once a month - So why do I have three XXXX loans on my credit report and each of them have 6 late payments My credit currently has 18 late payments from one account that I make on monthly payment on per month In addition to this, I was placed in forbearance by XXXX for the duration of those late payments and have submitted over and over again - This issues has not only caused me distress but caused issues with the ability to acquire things financially I've been addressing this issue for years now
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (PA)

There is a company, XXXX, that has been continuously doing {$88.00} biweekly ACH transactions against my Simple   bank account, even after I've revoked their authorization and cancelled my subscription. I followed XXXX 's revocation process on XXXX. On XXXX they charged my account anyway. I contacted them on XXXX again to revoke authorization and on XX/XX/XXXX they charged my account again. I have tried calling that company and they just hang up on me. So on XX/XX/XXXX I initiated a dispute with Simple bank. I explained the situation and requested the money be returned to my account. I also requested that they block future ACH transactions from XXXX. They agree to put in a block request. Then on XXXX my account is debited again by XXXX  for another {$88.00}. When I ask Simple why they were able to do that even though they were blocked, they said that they didn't have a chance to process the block request! They then told me I had to add that charge to the other two, and complete the dispute process. So I did that. Per Electronic Funds Transfer Act they have 10 days to complete the dispute or if it is going to extend longer they have to offer the provisional credit for the full disputed amount ( {$260.00} ). I requested the provisional credit and was told know. DESPITE the fact they didn't even start the process until yesterday when they sent me paperwork. They've had the dispute on file since XX/XX/XXXX, with me asking for updates every few days, and just the last few days decided to follow up on it. AND told me no provisional credit. So I copied and shared the EFTA section detailing the dispute process. Then they put a {$500.00} hold on my account, so that even if they DO offer the {$260.00} provisional credit as required, I won't be able to withdraw it because they are showing me - {$500.00}. 

I had deposited a check from my cousin on Friday for {$500.00} and they placed a hold on that. I'm not sure if the check was returned and that is the reason for the additional {$500.00} hold but I shouldn't have another {$500.00} hold for the same check that they already put a {$500.00} hold on. I never received funds on that deposited check so why would they hold an additional {$500.00} from it? It feels like they got irritated with my complaints and decided to hold another {$500.00} so I couldn't access anything.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

Chase Credit Card Company is inaccurately charging my account from XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX did not preform the scope of work agreed upon, also there was a major discrepancy in the quality of the services. They damaged all my ceiling fans, flooded my house, damaged and painted my appliance. Created a leak from an upstairs toilet due to an incomplete toilet installation. Cut holes in our walls and have admitted that it will it be fixed. Their workers have been drinking on the job. They have left the house unlocked after hours. We have caught places where they skipped painting behind the appliances. They broke a brand new toilet seat. We have corrected multiple invoices as they have billed us incorrectly. They walked off the job and have left us with an answer of no party involved will be happy with the end result, I am not making money on this deal. 

Chase Credit Card will not provide why it is justified to pay XXXX XXXX XXXX XXXX XXXX XXXX. I have asked this multiple times from Chase. Under the consumer protection act this is not an acceptable and a justified charge. As the services were not rendered completely and there is an issue with quality and not proper charges and damage to my personal house caused by this merchant. There is an open liability claim with the merchants insurance company.
Consumer complaint received 2023-07-11
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: 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 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 2020-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SUNTRUST BANKS, INC. (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX  XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX XXXX property owner of XXXX XXXX XXXX XXXX XXXX VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX  by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX XXXX XXXX County, VA banking institution is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( recent merger with SunTrust ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST MIDWEST BANCORP, INC. (IL)

I applied for a First Midwest Easy checking account on XX/XX/XXXX. I signed up under an ongoing {$250.00} promotional offer as well at this time. 

The requirements to satisfy in order to receive the {$250.00} promotional bonus amount included the following : - Open checking account with {$100.00} minimum deposit by close of business on XX/XX/XXXX - Make deposits totaling {$2500.00} or more within 60 days of account opening - Make 10 debit card transactions within 60 days of account opening - Enroll in mobile banking and e-statements within 60 days of account opening I successfully met all of the above requirements XX/XX/XXXX, as that is the date where I had {$2500.00} of cumulative deposits completed. I completed the 10 debit card transactions and enrollments prior to XX/XX/XXXX. 

The terms of the promotion further stated that once 'all requirements have been met, {$250.00} bonus will be issued as a credit to the account within 30 calendar days of the transactions being verified, following the 90 day period from opening. ' 90 days from my account opening date was XX/XX/XXXX and 30 days on top of that was XX/XX/XXXX. Both of those dates have passed and I have still not been credited the {$250.00} promotional bonus amount. 

I sent a secure message on XX/XX/XXXX within my online banking account asking for a status update on the {$250.00} being issued to me. I was provided a response by XXXX that she anticipated I would receive this in XX/XX/XXXX. XX/XX/XXXX came and went and no {$250.00} was credited to me so I messaged again on XX/XX/XXXX asking for an update. I was then told by XXXX that 'I was not setup for mobile banking ' and therefore did not qualify for the bonus. This is not correct as I had logged in numerous times into my First Midwest checking account from a mobile phone. Furthermore, I find it deceptive and unfair that this same representative told me to expect the {$250.00} promotional bonus in XX/XX/XXXX, only to tell me a month later after I had to be the one to follow up, that I now do not meet a requirement to earn this promotional bonus. 

First Midwest Bank is now currently saying I am not eligible for this promotion and I find this unacceptable from a customer standpoint. I fulfilled the requirements of the promotion and deserve to receive the {$250.00} bonus amount. This institution should uphold their word and honor the terms of the offer to me. 

To reiterate, as a checking account customer of First Midwest Bank since XX/XX/XXXX, I have fulfilled all of the requirements of the promotional offer that I signed up during, and as of XX/XX/XXXX, I still have not been properly issued my {$250.00} promotional bonus by First Midwest Bank.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

I sent a debt validation letter to Waypoint Resource Group on XX/XX/2019 via certified mail. On XX/XX/19 they received the letter. They had 30-45 days to respond to me in which they have not, and it is still reporting on my credit. I asked for proof of this debt and can not get any resolution. They are reporting that I owe {$780.00} but I dispute this debt.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020, I contacted Experian due to be charged {$19.00} for credit monitoring that I canceled on XX/XX/2020. The customer service representative canceled the paid subscription and said that she was refunding me the {$19.00} for the service and that I would receive an email confirmation of both the service cancellation and the refund. She also stated that it would take 3-5 business days for the refund to show into my account. That time has come and the refund is still not in my account. My bank doesn't hold deposits of any kind so it's not my bank that is holding things up. I've tried several times to call Experian and speak to someone live but their automated system wouldn't allow any transfer to speak to a person. There is no other expedited way to speak to someone at this Credit Reporting Agency.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Tried to dispute this with Equifax, can not access my account. I can not reach a live person when I call. A late payment is reporting for a card that I had paid off and was continuing to be charged for. I was later refunded the charges by the creditor, but it is still showing up as a late payment on my credit report.