davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BofA is discriminating against us as XXXXXXXX XXXX Consumers & U.S. Veterans and not allowing us to utilize our overdraft protection and is penalizing us because they were sanctioned by the SEC/OCC regarding their prior fees they have over-charged various consumers and now as a retaliatory tactic, not allowing us to have our debits paid when they come through the account, although we signed up for the Overdraft feature to be turned on which is not associated to a savings account being linked to your checking. 

I was informed by a Customer Service Rep on the phone this morning during a Customer Service call around XXXX that our account had been blocked from allowing debits to be paid on our account. In hindsight, they have not been allowing us to utilize the Debit OD feature for the last 3years and it is unfair to us as XXXX XXXX XXXX Banking Consumers who have been with BoA for over XXXX. They allow the XXXX XXXX to utilize this feature without having a XXXX XXXX monthly balance in their accounts. Why are we being informed that is the only way you can utilize the OD Protection Debit Program. 

When I called the other day to dispute a {$200.00} ACH which I did not authorize for XX/XX/XXXX which was debited from my account on XX/XX/XXXX, I was informed it would take up to 15 days to receive the money back, although they were provided proof that it was paid from our other bank on XX/XX/XXXX and the merchant was not to debit our BofA Account until XX/XX/XXXX, as I did not approve the amount to be debited out of my BofA account on XX/XX/XXXX. The representative who opened the claim did not create the escalation form and I had to visit the bank on yesterday to have them review the claim and take additional actions, and the monies have still not returned back to our account. 

In turn, this has caused a major financial hardship with monies we were anticipating to still be in our account and if we had access to the Overdraft Protection, I would not be reaching out in the current forum. However, we have been maliciously blocked due to systemic XXXX tactics exhibited by BofA and the Banking Data Models which also identifies a Clients XXXX XXXX XXXX  These Discriminatory and Biased practices are unacceptable and we should be able to utilize the Overdraft Feature on our Debit card especially during emergencies as such, when the funding has not came back into your account. 

There are also very XXXX  connotations and beliefs made by BofA towards XXXX XXXX American clients as wellthe belief that we do not deserve to have access to Capital or Resources and think we should suffer under the old XXXX XXXX XXXX which are also discriminatory. 

The Banking Practices and rampant retaliation during this political platform is also contributing to the maltreatment of XXXX XXXX XXXXXXXX and U.S. Veterans as well which is also unacceptable.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Hi its being 45 days i am waiting for the mismatch information to be fixed in the social insurance number two names are showing and i have reported it to equifax but untill now, they didnot fix this issue. On XX/XX/XXXX, i lodged the complaint but didnot receive any confirmation email from them. Calling daily and asking about the update but they are saying just wait 24 hours to 48 hours from last 45 days.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payments were made on time, but XXXX XXXX system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect XXXX XXXX to Account XXXX : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$870.00}, XXXX XXXX XXXX Balance Owed : {$3600.00}
Consumer complaint received 2023-10-18
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (TN)

This probably happened about two years ago, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.
Consumer complaint received 2023-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (GA)

On XX/XX/XXXX, I added {$800.00} to my escrow to make sure I had enough to cover property tax and insurance. I do this every year, but this year Village Capital removed {$1300.00} from my Escrow on XX/XX/XXXX and increased my mortgage payments to {$1100.00} beginning XXXX XXXX XXXX At that time, my Escrow had a balance of {$3300.00}. When I contacted them on XX/XX/XXXX to inquire about the removal of the funds from my Escrow and the increased in my mortgage payment, I was told that an Escrow analysis was done and that I should receive my check within 30 days. I did not have a shortage, infact, I just added {$800.00} on XX/XX/XXXX to ensure that my Escrow had more than enough money to pay my insurance due on XX/XX/XXXX and property tax due on XX/XX/XXXX to prevent my mortgage payment from increasing since I am now retired, so why the increase when I did not have a shortage. No documentation of this analysis was provided or placed in my account. The last analysis documentation was done on XX/XX/XXXX, funds were my pulled from escrow and payment increased XXXX  When I called Village Capital at that time, my payment was {$970.00} and increased to {$1000.00}, I was informed that it doesn't matter how much money I put in my Escrow that my payment will never returned to that amount and that it will increase each year, which is exactly what is happening now. 
On XX/XX/XXXX, I called Village Capital because it has been more than 30 days and I still have not received the disbursement check and was told that it will not be mailed until XXXX, no date provided. Why is my money being held for more than 30 days makes me think that Village Capital is holding my money for company profits. I know that Escrow should never be managed in this manner. I have a VA Loan and all payments are made on time, but if they keep increasing my mortgage payment every year, I am afraid that I will lose my home.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I was leaving the country on an extended trip and set up my Wells Fargo account for automatic bi-weekly payments. I recently returned to find that they have been charging me a monthly late fee charge of {$21.00} for a current total of {$230.00} in late fees. I called to resolve the matter and was told that I had scheduled the second payment after the XXXX and that is why I was being charged a late fee. I pointed out that the automated payment was set up through their website, how could they allow that without warning? 

I was told by the phone rep name XXXX that she was only authorized to refund one charge of {$21.00} and I had to pay the rest.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (MD)

In accordance with the fair credit Reporting act this creditor has violated my rights. 

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

15 USC 1681 Section 604 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 2023-09-22
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. (DC)

I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a 1099 Interest Income form from Bank of America for me to pay taxes in XX/XX/XXXX. It was from my deceased sister 's Bank of America account. I did not know my deceased sister had another account with funds in it since she had passed away in XXXX. Receiving the 1099 INT showed me that funds had been accumulating interest without my knowledge in the year XXXX, at least, and not including XXXX or XXXX, and Bank of America never told me about the existing account since my sister passed away in XXXX. XX/XX/XXXX, I called Bank of America and spoke with representatives who told me to open a fraud claim with Bank of America by notarizing a Small Estate Affidavit and emailing it to them. I emailed notarized Small Estate Affidavit to their Estate Services Operations on Tuesday, XX/XX/XXXX at XXXX. I called 48 hours later, as instructed by them, to initiate a claim. After speaking to many representatives over several days, nothing was started and I was always pushed off onto another representative. I asked them why they didn't tell me about my sister 's account when she passed away in XXXX and they hung up on me 3 times. I asked them to send me a check for the amount in the account. I asked them how much was in the account. I asked them what the interest rate was for the account. I asked them for a statement from the account. I asked them why I'm paying taxes on my sister 's account that I was supposed to receive inheritance funds from, but never received. I told them I can claim entitlement to the funds in my sister 's account as a surviving relative. They didn't answer any questions or concerns. They just dodged my questions or hung up on me. They lied that I spoke to someone that I did not. They lied it was a prepaid account when prepaid accounts can not accrue interest.
Consumer complaint received 2024-11-19
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. (NC)

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened without my knowledge or authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiry : XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (WA)

On XX/XX/XXXX at around XXXX p.m. my Found Business Banking debit card was used at XXXX for the amount of {$530.00}. I realize this happened minutes later and within XXXX hours I had reported it to the bank. I tried to get them on the phone they did not answer so I was forced to report it online. This was on a Friday I did not get any response from them so I reached out and over the course of the next XXXX weeks try to contact them several times before I finally got a response saying that my dispute had been rejected because a pin had been used during the transaction. This is impossible for XXXX reasons number XXXX being that I've never given anyone my PIN. Secondly, anytime I have used this card it has never asked me for a pin it has always automatically gone through as credit. After doing some research online I have discovered this has been an ongoing problem with this bank and these " debit '' cards for at least 3 years. I have tried by every means possible to get back in contact with found bank so that they could provide me with any information about the steps they took in this investigation as well as the information that was provided to them that a pin was used. I know the exact store time amount and even the register number at the store of this transaction. I have also contacted XXXX who has a XXXX liability policy which states that as long as I have used reasonable protection of my card, which I have, and I reported it immediately, which I did, I am not liable for this transaction and the bank needs to refund my money. I have tried several times with XXXX on a three-way call to get through to found the bank to know avail. My card should not have been able to have been used without my pin and I am owed my money back.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT # XXXX, AN ALSO XXXX XXXX Account # XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

I would like to file an FTC report on a collection from Pro Collect. I do not know who these people are or how my information was obtained. I never gave this company my personal information. I would like to know how this information was used and how it was handled being that it has effected my credit report. I have contacted my credit officer and the company the debt was coming from, yet no information has yet to be given within several months of contact. A dispute is already in progress through my credit bureaus.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Subject : Complaint Regarding Inaccessible Credit Report from Experian To Whom It May Concern, I am writing to file a formal complaint regarding Experian 's failure to provide access to my credit report and score to legitimate creditors. 

On XX/XX/2024, I contacted Experian to inquire why my credit report and score are not accessible to creditors. I pay for Experian 's premium service, which should ensure that my credit information is readily available to authorized parties. During the call, I spoke with an Experian representative and asked for a specific reason for this issue. Unfortunately, the representative was unable to assist me and transferred my call to a supervisor. During the transfer, the call was dropped. 

Additionally, I was informed that it would take XXXX to 5 days to resolve the issue, which is an unacceptable delay given the urgency of the matter. When I requested to be connected to the technical team to expedite the resolution, my request was denied. The representative also mentioned that only my account was affected but refused to explain why. 

I am extremely concerned that creditors can not access my credit report, as this XXXX adversely affect my ability to obtain credit. I have not placed a security freeze or fraud alert on my account, and there should be no legitimate reason for this restriction. 

I request that the CFPB investigate this matter and ensure that Experian provides a clear and accurate explanation for why my credit report and score are inaccessible to creditors. Additionally, I would like assurance that this issue will be resolved promptly to prevent any further negative impact on my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XX/XX/23 I opened a new Citi Checking account that advertised a promotion for XXXX XXXX XXXX for XXXX XXXX. 
Below is a breakdown of what was offered. 
XXXX XXXX XXXX bonus miles of After completing the following within 90 days after account opening Qualifying Citibank Debit or ATM Card Purchases of Enhanced Direct Deposit XXXX {$1000.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$750.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$500.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$120.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more On XXXX I completed the direct deposit requirement by depositing a total of {$1700.00} over two separate deposits from my paycheck. On XX/XX/23 I completed the debit card purchase of {$1000.00} by spending {$1000.00}. 
I've had Citi bank reps confirm I've met all requirements and should have received my award miles 30 days after completing the terms. This is confirmed by the Terms Of Service I received in an email from Citi that can be seen in the attached document CITI _ CITI XXXX. 
After not receiving my earned miles, I wrote to Citi to ask why they had not been credited, and received a letter from Citi stating that the terms were now different than had originally been advertised and that I wouldn't receive my award miles until at least 90 days after account opening, and could be as late as 30 days after the 90 days was reached. 
They are refusing to honor the terms of the promotion that was advertised and this is impacting my ability to plan a trip that was to use the awarded miles.