davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

On XX/XX/2023, I overdrew my business receipts account by {$1.00}. Evidently, I was incorrect in the amount I believed was in the account and I spent {$1.00} more than was in the account. On XX/XX/XXXX I happened to check the account to see if there was any remaining balance since I was attempting to withdraw all funds since I have not operated my business. In the past, with a different business checking account, Community Bank NA refused to close an account without proof that the business had been discontinued. 

When I discovered the overdraft on XX/XX/XXXX, I contacted CBNA by message on their website. I also contacted them again on XX/XX/XXXX to request that a hard copy statement be mailed to me. I was told that they could not do so and that I should contact my local branch. I made screenshots of the two conversations. 

Community Bank did not notify me of the overdraft until at least XX/XX/XXXX. I can't prove it but they did not send the letter on XX/XX/XXXX because I did not receive it until XX/XX/XXXX. Instead, they charged me {$36.00} for the INSF fee then started charging me an additional {$5.00} per day in what they termed continuous overdraft charges. At this writing, CBNA has now charged me {$110.00} in continuous overdraft charges along with the initial {$36.00} INSF charge. This totals {$150.00} in overdraft charges to date. I have saved PDF copies of these charges on many dates starting XX/XX/XXXX. Even if they had notified me on XX/XX/XXXX, the account had already incurred XXXX {$5.00} continuous overdraft charges prior to them notifying me of the insufficient funds. 

The letter that was dated XX/XX/XXXX told me to pay at least {$62.00} and was sent from their Overdraft Recovery Department in XXXX, NY. What I have paid to this account was a {$10.00} transfer from the taxes account on XX/XX/XXXX which brought that balance to {$0.00}. Then, on XX/XX/XXXX, I paid the additional {$26.00} of the original {$36.00} overdraft charge. On XX/XX/XXXX, I paid the original overdrawn amount of {$1.00}. I have not paid any of the {$5.00} charges which totaled {$110.00}. After I paid the {$36.00} overdraft charge and the original overdrawn amount of {$1.00}, they removed all of the {$5.00} fees. However, I am certain that they will do this to another customer. This needs to be stopped. 

If this is not illegal for Community Bank to do, it is at least unscrupulous and unethical. So, if this is legal, I would like to ask that you let me know so that I can contact my state and federal representatives in an effort to create laws that will make this an illegal action.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-15
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. (LA)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I started a XXXX XXXX account and ordered XXXX item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from XXXX but XXXX XXXX XXXX  will not delete off my report and doesn't reflect it was paid.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IL)

I am now being charged for charge backs even though the money is available. In some cases NFCU has held the payment for more than XXXX hours in an effort to collect a fee. I feel like I am being retaliated against for reporting their misuse of power. It seems as though I am being attacked financially. Please investigate.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (MD)

Greetings, I'm a XXXX years XXXX XXXX XXXX XXXX XXXX military veteran. I'm also the XXXX, XXXX of Directors for my XXXX. 

I'm filing a complaint against First Citizens for banking errors, security concerns, continuing to give the former property management company access to my XXXX 's bank account, continuing to use the former property manager 's address instead of using my address, sending a cashier 's check to the wrong address despite my clear written instructions, First Citizens sending the cashier 's check to the former property management company instead of contacting me and sending the cashier 's check to me, denying and questioning my fiduciary duties to pay vendors, delaying payment to vendors, biased treatment towards me, harassing First Citizens emails to close account despite documentation to keep account open as long as I need it, etc. 

My fellow board member and I took over the First Citizens ( formerly CIT Bank XXXX XXXX Bank accounts on XX/XX/2023 due to the former property manager 's unauthorized bank transactions and breach of contract. This was documented in many emails with the First Citizens Bank employees. 

First Citizens Bank has on file the notarized and signed XXXX transition form that removed the former property management company and granted only me and my fellow board member sole access to the XXXX accounts. 

In addition to the XXXX transition form, First Citizens oddly requested our XXXX  's meeting minutes and inquired about proof that the former property manager breached the contract. I say this because this is the beginning into the questionable banking practices and biased treatment towards me. 

I will send some attachments of undeniable facts regarding the First Citizens actions and treatment towards me. I have more evidence to provide upon request. 

In the end, I want to be treated fairly and with respect like other banking patrons. I do not understand the actions of these First Citizens employees towards me.
Consumer complaint received 2023-11-15
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. (NC)

To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX, Equifax and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KY)

I tried to pay off our car loan XX/XX/XXXX I sent ally auto loan XXXX in which they refused to give me the payoff amount because I was trying to pay it early. They offered a 3 yr extension due to Covid 19 and the economy was shutting down. We made 2 yrs of payments and was never late before this transaction. I took the extension thinking I had 3 yrs of no payments when they only gave me 30 months instead of 3 yrs. Today XX/XX/XXXX they came and took my only vehicle and told me I had to pay XXXX to get it back. This is fraud and theft! I called all day to ally and was hung up on and told me they cant do anything. This caused a great hardship on our family. I have the emails that was sent to me on the extension and all my payment records. Every time I ask today how much I need they add on XXXX dollars. Whyyyy are consumers not protected anymore? Why are they giving me a run around? I have spent XXXX dollars on a vehicle that is a XXXX and we have had it for 5 yrs now. They waited until I was 5 months behind and I had no clue until they came to get the vehicle. A customer rep from ally told me they would work with us but instead they made my situation worse! Hardship on families is not ok. Lying to customers is not ok. I told them I was recording our phone calls today and they told me that was not allowed and hung up.
Consumer complaint received 2024-02-27
Product: Credit reporting 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I used my Capital One credit card to book a XXXX stay at a hotel through Capital One Travel . The payment was successful, and I received a confirmation number. The hotel group also confirmed the reservation. However, today, XX/XX/XXXX, I received an email from Capital One stating that they have canceled my booking because they deemed the hotel price too low. The booking number from Capital One Travel is XXXX, and the Hotel Confirmation number is XXXX. This cancellation has caused significant inconvenience for my travel plans. I requested them to rebook for me, but they refused. I am seeking compensation of around {$500.00} to be credited to my Capital One Travel account to cover part of the price difference for rebooking the hotel. Please contact me via email to discuss further.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

I use Venmo quite often as a way to get paid. I had a balance in the account and after a while my account was randomly frozen because I violated their user agreement. They never disclosed what exactly I did to violate their user agreement and I was never aware of any activity with my account that would cause this. I was unable to transfer the funds out of the account until I spoke with representatives. Even after I opened a case with them it took at least a week to get the funds transferred out of my account. As of now they have told me my account is permanently deactivated and I can not use Venmo again. Again, they never disclosed what happened to flag their system or any other necessary information.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (AZ)

In accordance with the fair credit reporting act XXXX Navy Federal Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.