davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (CO)

1. I paid {$5000.00} through XXXX ( on the IRS website ) in XXXX 2023 to cover an estimated tax payment for 2022 taxes.

2. XXXX took the money out of my account and I thought therefore it had been paid to the IRS.

3. We filed our taxes before the XXXX XXXX, 2023 deadline with a XXXX 4. The IRS returned something to us in XXXX 2023 saying we actually owed taxes of {$350.00} 5. We investigated via the IRS and found the {$5000.00} was never applied.

6. I paid the {$350.00} to avoid further penalties 7. I called the IRS and sent a letter asking them to investigate. ( Letter is attached ) 8. The IRS got back and said they never received payment 9. I investigated further and we looked up the provider XXXX and called them to find out what happened.

a. They said that they never received payment and that the debit card had refused payment when they tried to charge it b. I asked to speak to their manager.They refused and said I need to take this up with my bank if Im missing the funds and then hung up on me 10. I called my bank BOK FINANCIAL to dispute the charge on XX/XX/XXXX a. A dispute was filed with XXXX different departments within the bank b. Both investigated and refused to dispute the charge because it had been over 1XXXX days from the original charge c. I sent my bank another letter informing my bank that this was actually a case of fraud by XXXX " Dear XXXX XXXX, At BOK FINANCIAL, our ongoing commitment is to provide you with outstanding client service, and work to resolve any problems you may experience. On XX/XX/2024, you informed us of the XXXX  Debit Card transaction ( s ) you believed to be in error.

We can only dispute a transaction involving consumer participation if the error is reported to us within XXXX-day time frame, unfortunately the disputes team is unable to attempt a recovery of funds through the disputes process, your local branch or XXXX may be able to assist you further.

Should you have any questions or concerns, please contact XXXX XXXX XXXX XXXX XXXX XXXX ( Toll Free ). Your business is important to us, and we appreciate the opportunity to serve your financial needs. '' *This is an automated email ; any replies will not be monitored* 11. I looked up XXXX on XXXX  and other internet companies.They have done this to hundreds or maybe even thousands of people.Only when it was brought to XXXX or some other institution did the person get their money back.

12. I filed with XXXX but have not heard back
Consumer complaint received 2024-09-03
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax
Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase informed me that they have restricted and probably will close all 3 bank account.

When I tried to get information the branch explained they cant tell me. The service number the same. 
Its unbelievable, that one of Amerika largest banks can handle there customers like this.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX and again on XX/XX/XXXX, I received a notification from my credit monitoring phone application that I had a collection added to my XXXX and XXXX report for a debt in the amount of {$1500.00} to an NCA. First, I have not received one communication written or otherwise from NCA concerning this alleged debt to date to rightfully and strenuously dispute. Secondly, this debt was paid in full to a company named Ad Astra ( File # : XXXX Speedy Cash ) in XX/XX/XXXX, via ACH from my XXXX XXXX XXXX account XXXX XXXX XXXX, hence the reason the debt was deleted from all three of my credit bureau reports over two years ago. The information that is reported on my reports from NCA is flagrantly in error and in violation of the FCRA and FDCPA.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

This was in XX/XX/2007 I put {$130000.00} into my checking account then maybe a couple months went by the bank called me want me to come in and talk to them so we went in and talk to one of our agents and she looked at my wife and sister home equity home loans my wife said no then she looked at me and said this is the best thing for you guys right now now our payments starting to get {$130.00} now it's up to {$440.00} which I can't afford to pay because I have several medical bills and I'm just having trouble paying them so I hope you can help me in someway thank you
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited an IRS check in the amount of {$4800.00} into my truist bank account on XX/XX/XXXX and was notified by a letter that only {$100.00} of the funds will be immediately released to me and the other remaining balance will be cleared and released into my account as immediate available funds on XX/XX/XXXX. I recently contacted the bank to see if it's possible to release my funds I am assure the bank has cleared the funds since it has almost been 3 years since the deposit of the check. The Bank is not willing to work with me and stated my account is on a dormant status because its negative {$100.00} dollars when how can my account be negative if they are holding {$4700.00} in my account.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MD)

On or about XX/XX/2023, I submitted an application to Barclays for a XXXX XXXX XXXX and it was assigned application number XXXX. By letter dated XX/XX/2023, I received a letter stating that Barclays was unable to approve me for a XXXX XXXX credit card account because " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' The letter further stated that " A credit bureau report was not used in making this determination. '' I have never had any previous credit card account with Barclays that experienced " charge-off, bankruptcy, severe delinquency, or other negative performance. '' The denial of the application for a XXXX XXXX XXXX was apparently a direct result of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status and/or age. There were no other basis that would have justified the denial of the XXXX XXXX XXXX.
Consumer complaint received 2024-05-30
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. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

o Whom This May Concern : I am writing this letter to dispute the following inaccurate information in my credit report, I am disputing any and all debts. I am requesting that the following items be removed from my credit report immediately! Im also revoking all rights of communication between myself and the collection agencies whether by mail, text, phone calls or email. I request debt validation and the purchase agreements of the collection agencies and the original creditor. I would also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer law 12 CRF 1006.34 ( b ) ( s ) but placed a collection in my consumer report. 

You have not given me a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) The collection agencies are violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agencies have no authority to furnish any accounts to a consumer reporting agency without providing any and all disclosures required by law and they are in a clear violation of 12 CFR 1006.34 ( d ) and15 USC 1681-S2 ( 7 ) ( A ) These are the following accounts CAPITALONE
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I had some fraudulent charges to my checking account, someone started using my debit card numbers in another state. The card was canceled and the bank sent a new debit card, the same thing has happened a total of four times. Most recently, I did not even use the new card and someone tried using it. The only people that knew the debit card numbers were the bank and me. All the fraudulent charges were made in the same city and state, and some charges at the same store.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Im trying to open a loan through a credit union and they are showing check systems put a freeze on my account i called time and time again, alongside online and they swear there is no freeze however on the paper copy there is. This needs to be removed!!
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX a hacker hacked an investment app I use called XXXX. XXXX has my Chase checking account linked to it, because it drafts a percentage of my transactions to put in an investment savings account I have with XXXX. The hacker hacked the XXXX account and created a virtual card using the debit card service on the app. They made multiple transactions to a vendor in XXXX. I live in XXXX, Texas, and have never been or know anyone in XXXX. The hacker also took out a credit builder loan through the XXXX app. I contacted both companies, XXXX and Chase to submit disputes. Chase closed the disputes saying XXXX showed proof they were all legitimate purchases. When I contacted XXXX said their disputes were not even finalized yet. The hacking to my account happened XX/XX/XXXX and XX/XX/XXXX where they stole my full direct deposit. I have yet to retrieve my money back from either party. Chase has closed their disputes, reversed any credits, and is not helping me.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (ND)

Made me sign up for additional products of theirs and if I didnt then I wouldnt get the loan. This was added on and I was told it would be a full refund but it was not.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MD)

XX/XX/year> I received a letter of a balance from XXXXXXXX XXXX  that I owe {$3300.00} for A class that the school Drop me from when my grandmother died and they sent the money back to financial aid but sent me a bill. I had notify the student center and advised but they stated I owe them the amount. Today the manager from sunrise credit services name XXXX stated her company has a right to add additional fees which is totally unacceptable I would like to dispute or I will get a small claims lawyer. This is not right and I dont have the funds to pay a big bill of {$4000.00} so I need assistance on dispute my balance. I know and understand I have to pay {$3300.00} but I do want to dispute the additional charges.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

Rushmore ( the mortgage servicer ) reported a {$12000.00} reinstatement amount to XXXX  with a good-through date of XX/XX/XXXX. XXXX approved and paid that amount. XXXX also approved XXXX  months of forward mortgage payments from XXXX to XXXX. If those calculations were correct, I would not have had to start making monthly payments again until XX/XX/XXXX. 

Unfortunately, Rushmore is now saying that it made a mistake in its calculation and that the {$12000.00} only covered my account through the end of XX/XX/XXXX. Therefore, according to Rushmore, I have to make a payment on XX/XX/XXXX, as opposed to the date that I had expected ( XX/XX/XXXX ). This is an important distinction for me because I had multiple surgeries this year and am just getting back to work. The extra month is critical to allow me to get back on my feet and start making payments. 

XXXX  has already informed Rushmore that Rushmore can remedy its error. It simply needs to request a " shortage payment '' from XXXX. After receiving this request, XXXX would provide Rushmore with an additional monthly mortgage payment to be applied to my account.

But Rushmore has failed to make this simple request of XXXX.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XX/XX/XXXX Transunion Account # XXXX To Whom It May Concern, I am writing to dispute the repossession on my account with the creditor reporting on my credit report. I respectfully request that you re-investigate this matter and provide me with a detailed explanation of the circumstances leading to the repossession. XXXX XXXX XXXX XXXX Violated the following 1. The right to due process. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. Failures to notify me before they sold the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 USC Code 1601 Truth and Lender Act Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and requires advertisements to include certain disclosures.

Furthermore, I request that you cease all collection activities and reporting inaccurate on this account until the dispute is resolved. I am aware of my rights under the 15 U.S. Code 1692j and 15 U.S. Code 1681 about the accuracy and fairness of credit reporting. I expect that my rights will be fully respected throughout this process. Section 623 ( a ) of the FCRA also requires creditors to promptly notify you if I determine that the previously furnished information is not complete or accurate. Please provide a written response to this dispute within 30 days of receipt of this letter. If you are unable to resolve this matter to my satisfaction, I may have no choice but to seek legal advice. Thank you for your prompt attention to this matter. I look forward to receiving your response and working towards a resolution.

Thanks you
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (GA)

the companies have lest on my credit report accounts that are clearly not mine and i have requested verification and asked for them to be deleted such as american honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXX I was a victim of fraud in which a check was stolen, washed, and digitally cashed in the amount of {$1500.00}. I filed two police reports as well as a report with Bank of America. They refused to credit my account the {$1500.00} until I threatened to leave the bank. They then gave me a provisional credit while the 90 day investigation took place. In that time I was given no updates and on XX/XX/year> they reversed the provisional credit and deducted the {$1500.00} from my business account. As the customer, I do not feel protected AT ALL by Bank of America. I want my money credited as it is not my fault the bank allowed fraud to occur on my account. There was XXXX communication to me about any further information needed from me for this claim. The bank stole from me and made no attempt to protect me or my business.
Consumer complaint received 2024-06-11
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: United PanAm Financial Corp. (TX)

Im seeing this United auto credit on my report and Im. Not aware of this I have asked them for more information and they have beat around the bush for this information I see its someone else on this loan that I am not aware of I need to see ALL original documents from this file with UNITED AUTO CREDIT IF I CANT SEE THE DOCUMENT I DEMAND THIS BE DELETED FROM ALL THREE OF THE CREDIT BUREAU. AS THIS INFORMATION ISNT CORRECT. THE PERSON YOU HAVE ON THIS LOAN I DONT KNOW THEM AT ALL. Did I come into United auto credit and get this car how was this car purchase
Consumer complaint received 2023-09-04
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. (CA)

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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MD)

MTB advertised a {$400.00} publicly available sign up bonus for their MyChecking product. I saw that advertisement and followed the steps to set up a new checking account. The terms required I set up direct deposit and deposit {$1000.00}, which I immediately followed. I also was subject to high average balance requirements and monthly fees and informed per the terms I must keep the account open at least XXXX months to avoid the bonus being rescinded. XXXX days after satisfying the terms I have not received the bonus. Upon inquiry, the customer service rep informed me that the bonus is a special non-transferrable promotion, but that does not make sense because MTB 's own website promoted the {$400.00} bonus.