davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Hello On XX/XX/XXXX, XXXX XXXX  I transferred XXXX $ from my BofA checking acct to my XXXX XXXX acct via ETF - funds transferred in that manner from BofA to XXXX, both institutions on the same online platform, are credited/debited immediately On XX/XX/XXXX, XXXX XXXX  I purchased XXXX $ of XXXX Preferred acct shares. The acct being a mutual fund acct, the transaction would be performed at closure of the market that very day. 

Instead, notwithstanding the immediate availability on the sweep acct of the ETF from BofA, the purchase transaction was performed XX/XX/XXXX, and the XXXX $ were debited to my XXXX XXXX acct on XXXX XXXX XXXX should not be allowed to proceed in this manner, transfer and transactions should be performed in a timely fashion and not following XXXX 's XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX Bank of America to make sure hold was not going to be placed on check, they advised me to get cashiers check and take it to local branch ( XXXX miles from my home ). I did that and was told by phone representative as well as branch representative that funds would be available. Left branch and received email XXXX mins later saying they placed a hold on cashiers check. Called customer service back to because branch was already closed. They told me that even though I had already had to get cashiers check verified in branch, they had to verify it again. I asked to speak to supervisor and was told that they would just tell me the same thing, then proceeded to just keep talking and explained the same thing they already explained again and would not transfer me to a supervisor.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MO)

Venmo decided to close my account on me refuses to tell me what terms and conditions I violated then told me they would hold my money for $ 180 days before I could have my funds released to me. It has now been over 180 days I have had no contact from the company I have no access to my money still and they are not answering me they have refused to give me any kind of reasoning other than violation of terms and conditions and that it's in the terms and conditions they can hold my money for 180 days again it has been over 180 days I know this for a fact My account was closed in XXXX of XX/XX/2024
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have unauthorized inquiries on my credit report and they maybe fraud related. 
Consumer credit reporting agencies haven't removed them. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also I have asked for my any and all previous name be deleted except for the one on my current driver 's license.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NEW YORK COMMUNITY BANCORP INC (IN)

To : Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXX On XX/XX/XXXX, I wrote a check to the Indiana XXXX XXXX XXXX XXXX. The check number was XXXX. My bank, Flagstar Bank, processed this check and withdrew the funds from my account on XX/XX/XXXX. The back of this check shows it was deposited XX/XX/XXXX into their bank. 
On XX/XX/XXXX, I went to my branch bank to find out why they accepted a stale check over a year old. The banker I spoke to wasnt sure what could be done. She suggested I contact the payee. I didnt think that was appropriate, given the type of office it is. She said someone will contact me with more information. A few days later, I received a letter dated XX/XX/XXXX. It stated We are writing to follow up on a claim we received regarding a check that was incorrectly presented for payment against your above-referenced account. It further states To correct this error, we have CREDITED your account in the amount of {$100.00}. 
On XX/XX/XXXX, I looked at my checking account detail online and saw on XX/XX/XXXX the bank deposited {$100.00} into my account. It also showed on XX/XX/XXXX the bank reversed the {$100.00}. 
So, on XX/XX/XXXX I called the XXXX number from the letter I received. I explained my situation. She suggested I contact the other bank and see what their policy was on cashing a stale check. I did not see the other banks name on the reversed side of the check. I ask her for the name of the other bank and see didnt know. Finally, the person said I would get a letter explaining their position. I wanted more information than what I received. I called again and talked to a supervisor. After listening to my situation, she said I would have to go to the payee to get my money back on the check that was over a year old or I could find out what the other banks policy was on cashing a stale check. She also couldnt tell me the name of the other bank. 
I did find out Flagstar Bank deems a check stale after six months and a stop payment fee is {$30.00}. I think my bank should reimburse me for the {$100.00}. I consider this a banking error. I have the supporting documents, if needed. 
After a little research on the internet, it looks like banks can do whatever they want without regard to their customers expectations. This is not a banking service, its a disservice. I believe Flagstar Bank is a diversified commercial bank and is a national bank. 
It seems to me that banks would check certain data fields on income transactions from other financial institutions before they accept them. How hard would it be to accept only checks within a current six-month window? What can be done to fix this situation? Shouldnt there be some regulation to help consumers? I would like a response if something could be done about this issue.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a victim of identity theft and my Bank of America account ending in # XXXX was compromised due to my information being stolen. I have tried to resolve with BOA numerous amounts of times but have not been given fair results.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use either Bank of America card on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the two female reps names who caused the issue.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/year>, Barclays Bank Delaware made a hard credit inquiry that appeared on my XXXX report. I did not request an account or card with this bank. Please remove the fraudulent inquiry from all applicable credit bureaus. 

I contacted Barclays, who stated they had received an application for credit. They did not provide information relating to the fraudulent application, but did agree to remove the inquiry from the credit bureaus. I later followed up with Barclays, who now said they have no record of the credit application. It does not appear that any action has been taken. Please remove the fraudulent inquiry from all applicable credit bureaus.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OR)

XXXX XXXX XXXXXXXX assessed a bank garnishment against my account, Chase illegally complied with it and refused to reverse it. The levy is illegal because I am an Oregon resident, this was ( actually ) an out of state lawsuit and process ( although there is an Oregon attorney, the firm is based in California and all processes were performed in California ). The levy was illegal because up to {$2500.00} in funds are automatically exempt in Oregon, per law, and I have/had far less than that currently in my account, thus the funds were exempt.

When I contacted Chase, an associate with limited English abilities attempted to patronizingly explain I was not exempt because the debt was created prior to the law being enacted, however, the law does not account for this, so Chase has still violated my rights.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I reached out to my Bank, Bank Of America, for assistance in helping me retrieve my money back from a fraudulent situation that took place from a CPA back in XX/XX/2024. The CPA stole {$1200.00} from me and did not produce the services that were agreed upon in contract. The Bank credited my account to XXXX until they can resolve the situation but never gave me a reasonable remedy to why they could not credit it back to me even when I provided proof of conversation, the ghosting from the CPA, and the {$1200.00} receipts, and contract provided. I have been with this Bank for over 15 years and to be handled like that and for them to allow a fraudulent transaction like that to go through. To allow that such an unprofessional person to keep money that they did not earn in any way, form of fashion without producing a product or service is bewildering to me. Losing trust in my bank to fight for me after a fraudulent situation happening to me from what i thought was a professional company very disappointing and heartbreaking.
Consumer complaint received 2024-08-25
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)

CFPB case # XXXX response from consumer complaint dated XX/XX/year> The CFPB email response dated XX/XX/year>, is completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. The fraud accounts in question are listed below. XXXX, XXXX and XXXXXXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/XXXX XXXX
Consumer complaint received 2022-02-16
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXXXXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year>XXXX XXXX
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I have tried to use an Amex gift card following the instructions provided by Amex. 
Card # : XXXX Expiring in XXXX Amount : {$100.00} Card was activated and received on XX/XX/XXXX Card still shows on Amex website XXXX having {$100.00} balance available to use as of XX/XX/XXXX The card has been rejected at a number of retailers in the past several months including XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Purchases were attempted from XX/XX/XXXX - XX/XX/XXXX XXXX Transactions were attempted and declined at XXXX on XX/XX/XXXX ( {$100.00}, {$100.00}, {$99.00} ) 1 Transaction was attempted and declined at XXXX XXXX on XX/XX/XXXX ( {$100.00} ) 1 Transaction was attempted and declined at XXXX XXXX on XX/XX/XXXX ( {$50.00} ) Another transaction was attempted and failed to XXXX XXXX on XX/XX/XXXX ( {$85.00} ). 
None of these retailers would accept the card as a form of payment. The amount of the card is {$100.00} and all purchase attempts were for {$100.00} or less
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been diligently trying to get my account corrected for the past 10 years I have been identity theft victim and XXXX, transunion and XXXX has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right