davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing my personal information, names, addresses, and DOB needs to be updated and corrected. My name is spelled XXXXXXXX XXXX XXXXXXXX, my email address is XXXX, my phone number is XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

Sync/amazon/XXXX  aka Synchrony Bank/Amazon DATE XX/XX/year> AMOUNT {$1300.00} In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (HI)

I noticed that there had been a payment of {$410.00} withdrawn on XX/XX/year> from my checking account with Navy Federal Credit Union. I called the bank and spoke with a representative who did some research and found that someone was able to access my account virtually, log in to my account via SSN, disable facial recognition to enter my account remotely to go undetected and changed the password. Upon access the perpetrator made XXXX separate attempts to transfer money from my account to their XXXX account. This was not just an unauthorized transaction through XXXX accounts, I wasn't scammed to send money to someone. This person was able to enter my account and transfer to their XXXX account. XXXX attempts were made to transfer funds. Initially {$1000.00} then {$800.00} and then when those didn't work, they were eventually able to transfer {$410.00}. I reported this as fraud and was told an investigation would be done. Less than XXXX hours later I received an email from the bank that the unauthorized use of my debit card was investigated and found no error occurred. I sent a reply to the bank through the online portal explaining that It was not my debit card that was used. Someone being able to access my " secure '' account there were 2 missed opportunities for Navy Federal to question the authenticity of the request, mark it as possible fraud and not authorize the transaction. I received no text, email or phone call to verify if this was an authorized transaction nor did I receive any notification that my username and password were changed. I requested the documentation they used for to make this decision and asked them to re-investigate and stated that if after the second investigation was complete and was still found as not fraudulent that I would like those records as well so that I may contact the Consumer Financial Protection Bureau. I received a reply about a week later and again was told that they found no fraud but was not provided any documentation. At no point was I issued a provisional credit of the {$410.00} while an investigation was taking place.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (MS)

Sometime last month, I scheduled an appointment with my nearest Navy Federal Credit Union which is an hour and a half away from my residence to deposit some dividend checks. I informed the branch manager through email before I arrived that I was looking to deposit some securities and transfer them to my Treasury Direct Account. Upon arrival, I was greeted by another young lady in the office who wanted me to explain the purpose of my appointment. Immediately, she had no idea what I was talking about. I informed her that as a security transfer agent, this is their duty. She denied them being a security transfer agent and informed me that she was sure this was something Navy Federal took no parts in. I also let her know that I did have a scheduled meeting with the branch manager, XXXX XXXX. She apologized and seated me until she was available. XXXX XXXX XXXX was upstairs busy. My scheduled appointment was for XXXX, I did not see XXXX XXXX until well after XXXX. As soon as I walked in the office I felt immediate judgement. I informed XXXX XXXX that I wanted her to transfer my dividend coupons to my treasury direct account and the look explained everything. XXXX XXXX told me what I was attempting to do was a scam and she could not help me. I have never been more humiliated in my life nor called a scammer to attempting to live up to the laws of the United States. After the appointment, I called customer service and spoke with two different supervisors who stated the same : they aren't comfortable with transferring anything to my Treasury Direct Account and they had never heard of this process before. Navy Federal has lost my support on transferring any of my treasury assets to my account and I am currently looking for another bank.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I refinanced my vehicle loan with Bank of America starting from XXXX. Bank of America opened a vehicle loan account for me with a payment due date XXXX in the amount of {$380.00}. 
The bank issued a check for the amount of {$17000.00} and sent it by mail to XXXX ( the bank I have a vehicle loan ). The check was stolen and cashed at a third bank. 
As a result, I am a victim of fraud and forced to make payments on loans both at XXXX and Bank of America. 
Bank of America 's representative called me XXXX and told me about the fraud. They informed me that according to the contract I have to pay the loan in Bank of America starting from the due date. They also informed me that the investigation had started and I had to wait, but they did not tell me how long and did not provide me with any other information. 
I filed a claim XXXX and requested Bank of America to stop my payments until the investigation was completed. I requested to resolve the issue as soon as possible, otherwise I would file claims with CFPB, Federal Reserve and Office of the Comptroller of the Currency. 
Bank of America has not connected to me since XXXX. 
I receive automated messages from Bank of America that I must provide them with a title for my vehicle and include Bank of America in the title as an owner.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (SC)

XXXX XXXX  in XXXX I was having to move out of my XXXX XXXX  because my lease ended. I found this person who was subleasing their room ( extremely common for XXXX XXXX ) for the year of XXXX. When talking to her everything seemed legit until the day i was supposed to move in. I went to the complex and they had no knowledge that the person was doing that in fact it was illegal i asked them can they just seitch the lease because im the one who paid for first months rent of {$810.00}. They told me they were unable to do that. I ghen tried to dispute the charge through my bank as well as through XXXX  and it was denied. I provided messages and everything showing it was fraud but it was still denied. I still have not recovered from this scam a year later and would really like to get it taken care of.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

I have reached out to the company and tell them that my identity was stolen, and some of the charges are not mine They sent me a paper from the XXXX  court of XXXX XXXX Georgia. I have reached out to a credit agency to help me fix my credit which is credit saint and they still havent removed it off my credit I was port of a data breach.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (MD)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-07-15
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

This is the same account with two different balances. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-07-18
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX we received our Escrow Account Summary. It showed our insurance and tax disbursements were doubled. Our monthly payment went from {$1200.00} to {$1400.00}. Just a side note : We have also been paying more towards our mortgage and we are now one year ahead on our payments. We have tried to find out why our escrow and payments are increasing and no one can give us an explanation. For example : Our insurance is {$990.00} yr and our taxes are {$5100.00}. But, when we see our Escrow disbursement history summary, its doubled.

Insurance Last year 's projected disbursements are {$900.00} Last year 's actual disbursements are {$1900.00} Taxes Last year 's projected disbursements are {$4600.00} Last year 's actual disbursements are {$12000.00} Total disbursements from escrow Last year 's projected disbursements are {$5500.00} Last year 's actual disbursements are {$12000.00} We also received an Escrow Account Disclosure Statement telling us that the total monthly payment is changing starting XX/XX/XXXX and there is a ( XXXX ) -month escrow shortage. 

This does not seem legal and no one can explain in detail why after we are XXXX year ahead of payments, our mortgage payment and escrow has increased so much. Its like we are being discriminated against for making extra payments. Something is definitely wrong with this. We have contacted the branch, corporate and the mortgage department with no help whatsoever. We can not even go to a branch to help us because no one handles mortgages. They can not even provide us with a mortgage representative for an in person in-depth conversation to resolve this or provide explanation or advice.
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

I am the administrator of my mother 's estate.On, or about, XX/XX/XXXX I went to the Florida DMV in XXXX to obtain a copy of the title for my mother 's XXXX car. Even though my mother had paid cash for the new vehicle there appeared to be an electronic Lien placed on the vehicle by Ally. I went home and contacted Ally, they informed me they did not have any record of a loan and said they would issue a paper release of lien which they provided on or about XX/XX/XXXX. With this paper release I went back to DMV and was informed I needed an electronic release of lien. I, then again, contacted ALLY and was told a release would be issued within 24-48 hours. This did not take place. ALLY was again contacted and after much run around, I was now told they do not issue e-releases and we would need to go to the dealership where the vehicle was purchased. That dealership is no longer in business. On XXXX XXXX I did go to XXXX XXXX of XXXX which had purchased the dealership. The financial officer was very helpful and while I was in his office, he spent approximately an hour and half until finally speaking with an ALLY supervisor who identified themselves as XXXX. This person again confirmed that a release would be efiled within 24-48 hours ; once again this did not take place. Currently, ALLY is denying me access to my mother 's car, as I can not register or sell the vehicle. This is causing me much emotional distress.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My husband and I requested that the XXXX benefits be applied to both our accounts because he is in the XXXX XXXX. Bank of America denied our request today ( XX/XX/year> ) stating that our accounts were open after his enlistment. We sent them his military order indicating his time in the service as well as his home of record, which is the state of XXXX a XXXX XXXX state that extends the XXXX benefits to debts incurred not just before joining the service.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to formally file a complaint against Bank of America concerning the recent closure of my debit and credit accounts without any prior explanation or justification. In early XX/XX/scrub> 2024 I received letters from Bank of America notifying me that both my debit and credit accounts were being closed. The letters did not provide a specific reason for this closure. 

In an effort to understand the situation and seek a resolution, I visited the nearest Bank of America branch. During my visit, I was informed by the bank representatives that they could not provide any further information or assistance regarding the account closures. I was told that the decision was a company-wide policy and that nothing could be done about it. 
I have been a loyal customer of Bank of America, consistently paying on time and maintaining good account practices. My credit card, which was the only credit card I used almost every day, was essential for my daily transactions. Additionally, my paycheck was directly deposited into my checking account, making the sudden closure highly disruptive. 

The unexpected closure of my accounts has not only caused significant inconvenience but has also resulted in a dramatic drop in my credit score, almost XXXX points overnight. This has severely impacted my financial stability and creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that Bank of America is adhering to fair practices and providing adequate notice and justification for such account closures. I would appreciate any assistance you can provide in resolving this issue and in holding Bank of America accountable for their actions. 

I am not asking to recover my accounts, but I am expressing my deep disappointment with the handling of this situation, which has caused significant inconvenience. I am also requesting assistance in addressing the substantial drop in my credit score that resulted from the account closures. Any help you can provide in mitigating the impact on my credit score would be greatly appreciated. 

Debit card : XXXX XXXX XXXX XXXX Credit card : XXXX XXXX XXXX XXXX Name : XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo enrolled my debit card and my credit card with XXXX without my consent. They sent me XXXX emails informing me that my cards were enrolled in XXXX. I am not comfortable with them sending my personal information to a third party company without asking me first. I am familiar with the fact that Wells Fargo has a history of creating fraudulent accounts for customers without notifying them and was worried about them doing that to me.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (TX)

barclays bank delaware and XXXXXXXX XXXX XXXX is reporting inaccurate information on my credit report and it has pass the statue of limitation and the account need to be deleted.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

There are numerous inaccuracies on my account that aren't correct. I request proof of the late payments or demand that the incorrect inaccuracies are removed and marked paid to date. I have provided an attachment. Thank you in advance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to address several inaccuracies in my Equifax credit report. The following item continue to be reported by Equifax, despite being deleted from my credit reports with XXXX and XXXX : XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 1681i ( a ) ( 5 ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The persistence of these inaccuracies on Equifaxs report is a clear violation of this requirement and is adversely affecting my credit profile. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of these incorrect items from my XXXX credit report. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )