davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited XXXX check on XX/XX/XXXX and XXXX check XXXX XX/XX/XXXX in my Bank of America account. After I deposited the check I received a clear date XX/XX/XXXX for first check and XX/XX/XXXX for the second check. I woke up today XX/XX/XXXX and no money in my account. I called Bank of America where the checks where deposited. The first representative I spoke with told me that there was no hold on the check and that XXXX bank had not released the funds to them. I called XXXX bank and they stated that the funds had left their institute and had been cleared by the clear house. I then called Bank of America back and they proceeded to tell me that there are holds on the checks until XX/XX/XXXX. I then proceeded to ask where was my notice of hold, as by law they are required to let me know if a hold is being placed on my checks. They told me that they mailed out a written notice and I should receive within XXXX hours. I let them know that a notice of hold by law needs to be presented within a day of the deposit hold. Then they put me on hold and came back and said they sent an electronic letter and its in my message center. I proceeded to look and there was nothing there. The Bank of America representative couldnt find the letter either on his end and could not give me a confirmation that a letter was sent out electronically or by mail. He then placed me on hold and put me in touch with a supervisor. The supervisor said that my notice was on the bank statement saying hold. I said that its not an appropriate notice you were suppose to send a letter to me. I couldve canceled the checks before the processed out of the XXXX bank acct and couldve avoided a lot of trouble and late fees if I wouldve received the proper notice. I have urgent things pending to pay and can cause a lot of troubles in my life. I am seeking help urgently.
Consumer complaint received 2024-08-28
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process.
Consumer complaint received 2023-07-15
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. (CT)

I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION (CA)

XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank charged me maintenance fees two months in row, causing a negative balance in my checking account. My checking account balance was XXXX as of XXXX. Due to the pandemic, my salary was no longer being direct-deposited into my account. So I scraped together every dime I could to boost my savings account balance up to the {$25000.00} amount that waives monthly fees on both accounts. Nevertheless, TD Bank imposed a {$25.00} fee on XX/XX/XXXX, and another on XX/XX/XXXX. I wrote to TD Bank on XX/XX/2020 to explain my situation and ask for fee reversal. A copy of my letter is attached. TD Bank either ignored my letter or laughed at it, because next I received a collection letter from TD bank, accusing me of a {$50.00} " overdraft. '' No way have I ever overdrafted any bank account! TD Bank put my account into the negative with its heartless fees. All I keep hearing about are other banks granting mortgage forebearances and other help to customers affected by the pandemic, but TD Bank seems to want to profit from it.
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: MRS BPO, LLC (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Consumer complaint received 2024-08-28
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. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2020-06-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

After notifying the Portfolio Asset Recovery company that XXXX XXXX places a cease and desist order on the account that they have reported on my consumer credit file, this company continues to willfully and knowingly engage in negligence and abuse of my consumer credit file by reporting negative marks against my credit reports, this affecting my credit scores. They show the account closed on XXXX  and continued reporting through XXXX  and XXXX  as open accounts. Included are the screenshots of the reports. The closed report is XXXX, the payment dates showing negative are from XXXX  and XXXX  is shown with the green through XXXX XXXX. This company knows full well what they are doing and I have contacted XXXX XXXX regarding this, hence the cease and desist for this account. I am actively engaged in business with XXXX XXXX to this date and am requesting a full deletion of their account information from all of my credit bureau reports IMMEDIATELY. This company has a reputation for abusing consumer credit files and in particular accounts that they can not collect payment for. I will not accept this any longer, nor will I allow re-aging of the account to occur on any reports no matter where they are reporting accounts. I expect a full deletion of their account to be made upon receipt of this complaint and if it not done so accordingly, I will obtain permission from XXXX XXXX to seek statutory and punitive damages against this company for their continued abuse. I have the copy of the letter sent from XXXX XXXX stating the cease and desist order from their Corporate Office per my direct contact with the CEO and President. This company has not abided by this order and legal actions will be taken and the evidence of this letter shall be presented in a court of law showing the order from their offices. This companys reporting is so inconsistent and varying that it seeks to do more damage on a consistent basis to a consumers credit files, while intentionally violating the FCRA and FDCPA as well as state laws that protect a consumer from such abuses.i have also included a screenshot of the federal lawsuit brought upon PRA by the CFPB for willfully engaging in the same tactics and business practices to this day that it was found to be in violation of and ordered to pay millions in damages.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

Hi Ive been banking with chase business since XX/XX/XXXX. Recently they closed my account due to checks bouncing. Currently they have XXXX on hold to confirm XXXX checks. Ive provided the bank with personal and business phone numbers but they keep saying the numbers cant be verified. Some of the checks are issued from chase bank customers and they cant get verified. The money has already been taken out from the vendors account. Chase has a hold on funds to verify but any number I provide business or personal wont verify. I even bought a chase client into the the branch to get checks verified that he wrote & they didnt allow that. There are not giving any other alternatives on how to get checks verified beside a phone number. Ive provided business phone numbers and personal numbers. This issue has been for about 60 days now. I can provide documents for all XXXX checks that have been cashed by the makers bank but chase is holding the funds. The makers cant even do a recall on the check. Every day I call I get the same answer. It is frustrating that they only way one way to verify checks and they cant verify they own clients. Multiple checks that are on hold are from chase bank clients itself. If I cant get a chase check verified what does that mean for my other checks from other financial institutions?
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

I wanted to refinance to remove mortgage insurance from my FHA loan. I contacted a number of companies and decided to use loandepot. I locked in a low rate, but after XXXX was elected rates went up, and loandepot sent out an appraiser who claimed my California house on XXXX XXXX XXXX had lost XXXX sq ft and depreciated $ XXXX in the last 8 years. Despite the fact that all the other houses around the XXXX have increased in value. 
This is clear fraud!
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. (LA)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the first Complaint I recently submitted requesting the correction of my Credit File by deleting the fraudulent accounts and information off of my Credit File. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the Accounts and informationthat are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

On Monday, XX/XX/2023 I went to a dental implant called XXXX XXXX XXXX. They had me fill out an application for a loan. I was approved for {$3600.00} dollars. but I was not approved for additional funding. the procedure was {$45000.00}. So my husband and I decided not to get the treatment that same day. Later that month, I received a bill from XXXXXXXX XXXX for {$3600.00} stating I owed that amount and must make a minimum payment of {$65.00}. I called them immediately on XX/XX/XXXX or XXXX to ask them why are they charging me this amount since I never had anything done. They said to call XXXX and tell them to correct the charges. Now XXXX XXXX has reported me to the credit bureau as a late payment while they are investigating a dispute I filed with them.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX, XXXX and TransUnion about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of EDXXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit Reporting act account is XXXX XXXX has violated my rights. 
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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1605B : Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

In XXXX of XXXX, my book-bag, phone and other personal items including my Schwab Bank debit card were stolen while I was traveling out of the country. Upon my return I learned of the theft and that my Schwab Bank account was accessed and {$70000.00} were stolen via unauthorized ATM access - I promptly notified Schwab of the theft less than 2 business days after the last ATM transaction was made. 

Soon after, I was put in contact with Schwab 's representative for my case, XXXX XXXX and I provided him with evidence that I was out of the country during the ATM theft, and a copy of the police report I filed as to those facts. 

Unfortunately I succumbed to COVID in summer of XXXX and was unable to follow up on the case after Schwab unceremoniously notified me via letter that they rejected my case. 

This year, XXXX, I was able to revisit the case and get in contact with XXXX XXXX and his XXXX, XXXX XXXX to request my case be reconsidered. I proceeded to relay the facts of the case to XXXX and asked her for evidence to support their rejection of my case. XXXX proceeded to cite IP address data Schwab collected that allegedly indicates my stolen phone was in the area in which the ATM withdrawals occurred. I clarified as per my original communications with XXXX that my phone was stolen along with other personal items while I was in XXXX and that I in fact did not authorize any ATM withdrawals from my account. Additionally, I asked XXXX if Schwab had reviewed the ATM footage which would have clearly showed I was not the person making the withdrawals- this is something XXXX had communicated they would investigate in XXXX - XXXX refused to respond to this question. 

Given the above, I asked XXXX for additional clarification as to how their decision complies with Regulation E, specifically 12 CFR Part 1005.5 ( b ) .4 guidelines around account access and consumer liability. XXXX 's response was that they are not required to share additional details of their investigation and that the matter was closed.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-12-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.