davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We recently used the Bank of America 's Payment and Invoice services to receive payment from a client of our 's for a time sensitive project. We were under the impression that this would be a pretty seamless process but we later discovered that the Bank of America is basically using a third party processing company with little to no customer support. After our customer paid our invoice we then received a date when we would receive our funds. When that date came we received a notification via email that the payment would be delayed. No worries, it was just delayed by 5 days. So here we are 5 days later and no ACH received from Bank of America. This payment is now 12 days late when the standard ACH only takes about 3 business at the most to reflect. We reached out to the Bank to voice our discomfort about how this process is going and Bank of America placed our bank account under review and 15 minutes later they closed our account with " no notice '' at all. Mind you our customers ' {$16000.00} payment to us is now in limbo. Before using this product we did a little research and learned that this product would benefit our company greatly by simplifying our payments by ACH, so it stunned us to find out they they are using a processing company with 2 stars on Trustpilot to process ACH 's when Bank of America themselves can easily process ACH 's. We feel like our account was closed maliciously.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I got robbed on XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, Virginia for {$4600.00} and a loan for $ XXXX money transfer via phone. XXXX XXXX XXXX is the person who took the money. Navy Federal Credit Union is the bank. I went to them the same day and did a fraud report and told me that there was nothing they could do. I need the money back. Navy fed locked me out of my account online and said I cant get online access until XX/XX/2024. Only can access the money by going to the bank. Had to go in the negative because my bills. Took all of my reserve money.
Consumer complaint received 2023-05-02
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 inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents for your review.
Consumer complaint received 2023-05-02
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. (NJ)

I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.
Consumer complaint received 2023-05-11
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. (CA)

XXXX XXXX XXXXk someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a letter in the mail where my credit was checked and trans union reported my credit score on XXXX XXXX as XXXX and everything I have access to my score is XXXX. I have been working hard to fix my credit since becoming XXXX and the letter i received said if I had a problem that I needed to contact trans union so I called on XXXX XXXX and the first time I spoke with a lady she said it was XXXX range she would connect me to higher up I waited 42 mins to be hung up on!!! Called back spoke with XXXX he said my score was in XXXX range I asked why they reported XXXX thats over XXXX point difference!!!! He told me he could not check last months score?? We are two days into a new month and my score of XXXX was the whole month of XXXX!!! I asked to speak to his supervisor he put me on hold held for 20 mins. To be hung up on again!! So I contacted XXXX with CFPB to file a complaint. Because I was up set how can a company have so much control over someones livelihood!!! When they cant tell you what your credit score from month to month!! And have a problem and not do everything to help you resolve it? Its like you set use up to fail!!! And when someone is working hard to correct I have an XXXX XXXX XXXX mother and I have medical issues and WE NEED A CAR!!!!! I understand its my problem but help those that are trying to help themselves!!!! AND I WANT TO KNOW HOW THIS HAPPENED???
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

Affirm is reporting my installment loan as 30 Days late when I do not recall ever being late on this account with loan number XXXX. 

Furthermore they are charging 26.36 % APR. Per Florida Stature 687.07 Usury is the charging of interest on loans at a rate that is higher than is permitted by state law. In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid.The lender can recover only the principal loaned.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

This XX/XX/XXXX I saw a negative collection report on my XXXX Credit report from a XXXX XXXX XXXX related to a Utility account with XXXX XXXX. 

I have never done business with these companies. After tracking down XXXX XXXX, I spoke to a representative on XXXX that provided me an account number and service address in XXXXXXXX XXXX 

I live in XXXX XXXX where Ive owned my home since XXXX.
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne auto finance is showing a resolved account as a charge off. The vehicle was paid off with my gap coverage after an accident in 2019. This account is invalid. I have spoke with the company, and with the credit bureaus to have this item removed, but it keeps coming back as verified.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (TX)

Cedars business services called me on XX/XX/XXXX and is saying theyre a debt collector trying to collect a debt from XX/XX/XXXX When I was in Italy XXXX Stating it is a traffic violation and the amount due is about {$260.00} ( I can not remember the exact amount that they stated ) I paid my ticket which was less than {$50.00} back in XXXX which I have proof from my bank account The man kept insisting I pay {$67.00} for start and then I said No Ive already paid this and I will double check my statement. 
He was persistent to get money from me and said ok how about you just pay {$50.00} now I again said no He said he sent the info to my email address and the email address he mentioned ( Ive never had ) and then he asked for my phone number. Thats when I knew it was a scam. He called me! 
I said you called me, you have my phone number The phone call ended and then I received a call today with a voicemail to call back on XX/XX/XXXX This is a complete scam.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit act XXXX XXXX ( Original Creditor : XXXX XXXX IN ) 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 a account without my written instructions
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was a victim of identity theft. Bank of America opened a checking account in my name, that someone else initiated and linked it to my active credit card. This account used a fraudulent wire transfer to send the initial deposit and added their contact information to my online banking and alerts. Upon discovering this I contacted BOA to report identity theft. They said they froze the account while it was under investigation, but when I followed up a couple months later, after receiving another checking account statement they said the theft was filed incorrectly and they said they refiled. 7 months later ( and many similar conversations ) and the account is still open, still linked to my real credit card account, and I can not get them to close it or take the email address that is not mine off of my account.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX -no escrows -charging {$200.00} for forced placed insurance for a XXXX  day lapse in coverage, didnt send an application, invoice or policy -limited markets for mortgages w/ 100 % increases in premiums -the land is worth XXXX, the building is XXXX, insured for XXXX, the loan is also protected by the land w/out coverage - they are taking advantage of florida residents w/ no disclosure, forced place insurance is arbitrary and Flagstar needs to stop this illegal activity
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

Hello I buys a car Hyundai XXXX XXXX XXXX in XX/XX/XXXX, the firsts year no have any problem with the bank Hyundai financial in the past months of XXXX received a letter what my car was repossessed because no made my payment and I call solicit returned my payment, this is stupid answer, call for solution to this problem, your answer is I need pay again all this money or my car are reported I send copy of all my payment when I call for make my payment in the month of XXXX my account is negative for {$4600.00}, call again send copy all payment with copy of your email with confirmation of received payment, answer is you no pay your car last XX/XX/XXXX my car is reposis, my question is where is may car or my money? never the bank accept my paper only say you no pay is it everything, I pay every months my car, now no have car no have money and no have answer and solution to my problem or the bank can do this? Only like my car back or my money and clear my credit
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NC)

There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, Equifax and XXXX and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. Equifax and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and Equifax has refused to delete. If this account is not taken off of my credit report I will file a XXXX  against XXXX, Equifax and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. Equifax and XXXX have a legal requirement to remove falsely reporting information and have refused.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY ()

To whom it may concern, On XX/XX/XXXX I opened an Checking Account at TD Bank N.A ( US Account ). 

I received an email asking to contact them to process the Debit Card.

In the same day I called them, and they confirm that the Debit card would be sent to my mail address.

I got access to the online banking, to the App and everything was set up. I received a transfer as well that was properly deposited in my account.

One week later, I tried to deposit two cheques that I received from the University as refund for travel expenses. They send me 2 cheques with the same amount of {$170000.00}. 

I knew one of them probably was not valid due to the duplication but since I didn't know which one, I deposit both. One on XX/XX/XXXX at night and the second on XX/XX/XXXX in the morning. I was expecting that probably one cheque would bounced but the other one would be deposited, however I didn't know which of them. 

After that both cheques were put on hold by TD Bank for further evaluation.

After few days, as expected, one cheque was bounced. However instead of depositing the second cheque, TD Bank just closed my account without any further notice. 

In the mean time, the bank had already approved my credit card with XXXX limit, which for me means that there was no problem in my credit score and history. 

After this unpleasant situation I called the TD bank to verify the reason for closing my account. For my surprise, they said they can not inform me the reason! 

The only information I got is that the account is closed and the amount will be sent by cheque to my mail address including the amount of the second cheque AFTER the processing time for the cheque that still on hold. And the whole process can take up to 30 days. 


In summary, TD bank closed my account with no pertinent reason, without any notice and is holding my cheque and residual checking balance. 

My major concern is not only about getting my money back but actually, the impact of this on the next bank account I will try to open. 

I am a XX/XX/XXXX, relocating from XXXX to XXXX, and I obviously I will need a good bank account to deal with significant income amount every month, as well to build my credit score for the mortgage. 

The only possible reason that come to my mind, since the back said that they " can not inform me the reason '', is : Maybe TD bank suspected fraud about the duplicated cheques (? ) and for " security '' reason they blocked and closed the account? 

If this is the reason, would be more reasonable call me or called XXXX XXXX XXXX to verify the authenticity of the cheque instead of harming the account owner? 

This is just unacceptable and extremely humiliating.
Consumer complaint received 2017-01-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc. (TX)

I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C. (TN)

I left 3 messages for a call back regarding this issue. The company, Nathan & Nathan Attorneys, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is XXXX XXXX and I have loans with XXXX XXXX  opened much later than the 2006 date Nathan & Nathan claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX
Consumer complaint received 2023-07-07
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: M&T BANK CORPORATION (NY)

last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
Consumer complaint received 2023-05-02
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. (FL)

Im honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names 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 XXXXXXXX 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2023-07-07
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. (DE)

My name is XXXX 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.