davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Bank of America. My name is XXXX XXXX, and on XX/XX/XXXX, I contacted Bank of America at XXXX to address concerns related to a government check deposit of {$65000.00} made on XX/XX/XXXX. 

Summary of the Issue : On XX/XX/XXXX, I deposited a government check for {$65000.00} at Bank of America. The teller informed me that {$220.00} would be available within 24 hours, an additional {$1700.00} on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX which are referenced on the deposit receipt. However, upon calling on XX/XX/XXXX, I was told that the entire amount of {$65000.00} would be available on XX/XX/XXXX. 

Key Points : Duration of Call : 32 minutes at XXXX XXXX  XXXX refused to accept a court order as proof during the deposit. 
The Office of the Comptroller of the Currency stated that {$5500.00} should be made available on the deposit day. 
Federal clearinghouse causing the delay, with a hold period from 2 to 10 business days. 
Inability to override the hold by any bank personnel, including managers. 
At 54-minutes speak with a manager named XXXX. 
Mention of the check amount over {$5000.00} and increased chances of holding, citing Regulation CC. 
No release of deposit holds policy for an account held for eight years. 
Lack of a complaints department. 
Unanswered questions regarding the specific reasons for the hold and discrepancy in availability dates. 
Reference to the deposit agreement and the suggestion of an electronic deposit to avoid holds. 
No notification about changes to the deposit agreement received by mail, only online. 
Total Duration of Call : 84 minutes, with questions still unanswered. 

Contact with a manager named XXXX at the 84th minute. he put a request for his manager to call back at ( XXXX ) XXXX
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (TX)

I bought the car on XX/XX/23 with Mercedes Benz financial instead of my personal credit union to obtain all the rebates & discounts then I intended to refinance the vehicle after my first payment was applied. In the meantime I wanted to cancel the maintenance service which I did on with the dealership on XX/XX/23 for {$5800.00}. Check was sent & completed on XX/XX/23 by dealership to Mercedes Benz financial. I then preceeded to refinance with my credit union & when I requested a payoff amount the {$5800.00} was added back to account balance. I called MB financial talked to XXXX Subject XXXX XXXX & he stated the dealership requested the check be sent back to them as there was an error in the check amount they sent. The dealership states they resent the check back to MBF & was cashed XX/XX/23. At this time I called both the dealership & MBF on the same call XX/XX/23 & MBF stated they would research & take care of it on their end. Many follow up phone calls have been made to MBF as I want to pay this car off with them but need them to apply the refund check & all the interest from XX/XX/23 to my account so I can get a good payoff amount. NO ONE will call me back or assist me with information on my account. Calls have been made on XXXX & XX/XX/23. I have requested a supervisor each time & I get no one is available. Mercedes Benz dealership has also tried to contact multiple times & they have refused to talk to them as well. I need resolution. 
Thank you XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Formal Complaint Regarding Failure to Process Opt-Out Request under the Privacy Act of 1974 I am writing to file a formal complaint against Transunion, XXXX, and XXXX for their apparent failure to process my recent request to opt-out of credit reporting, in accordance with the provisions of the Privacy Act of 1974. On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX requesting to opt-out of having my personal information and credit-related data reported to third-party credit reporting agencies. I took this step in an effort to protect my privacy and exercise my rights under the Privacy Act of 1974, which grants individuals the authority to control the disclosure of their personal information. 
However, despite the stipulated timeframe within which credit reporting agencies are required to process such requests, I have not received any confirmation or acknowledgment of my opt-out request from Transunion, XXXX, and XXXX This lack of response raises serious concerns about their compliance with the Privacy Act and their commitment to protecting consumer rights. I have attached a copy of the original opt-out request letter, as well as proof of delivery, to this complaint for your reference. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Transunion, XXXX, and XXXX XXXX ] adheres to the guidelines outlined in the Privacy Act of 1974.
Consumer complaint received 2023-12-13
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In XX/XX/2016 I filed bankruptcy, signed a reaffirmation agreement as required by law with Nationstar, They charged a {$250.00} legal fee, without discussing said fee with representation nor is this located anywhere in the reaffirmation agreement or loan paperwork. I filed a formal complaint with what is now Mr. Cooper, # XXXX. 

Lenders should not be allowed to cover their own legal costs, especially when the consumer could have made the mortgage part of the bankruptcy but chose not to, by passing illegal fees on to the consumer. I never agreed in any way to said fees not did my attorney. 

I appreciate your help in this matter and I am sure this company, whose reputation is already so bad they had to change names, has done this to many consumers illegally because they could n't interpret a mortgage agreement out of a wet paper bag. 

Appreciate your time, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (GA)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On Tuesday, XX/XX/XXXX around XXXX central time, I used an ATM provided by Hunting Bancshares to deposit an unknown amount of money. It was at least $ XXXX dollars. I bank with XXXX and used my debit card to deposit the cash. 


The ATM allowed me to deposit and opened the cash chute. I place my bills in, and it says " transaction failed '' or something along those lines, and the cash chute closes. I had one {$20.00} bill left, so in the hopes that my cash was still in the chute, I reenter my debit card to deposit again to find that the ATM had taken my cash. I deposit my {$20.00} dollar bill, which is accepted by the ATM. I did not ask for a receipt because I am under the assumption the transaction went through and was accepted, and I instead wanted to focus on getting my large amount of funds back from the ATM. 


I quickly talked to the bank teller, who told me to contact the support line on the ATM since their ATMs are managed by a third party and not the branch. The Huntington support line tells me to contact XXXX since it's an issue on their end. However, after calling XXXX, they informed me that they do not accept ATM deposits and to call Huntington. The back-and-forth between these two banks continues.

It has been almost a week, and every time I reach out to Huntington they tell me that they can investigate the issue and look into it, but they can only do so if XXXX files a dispute. However, XXXX tells me that they can not file a dispute since they do not accept ATM deposits and that there is no record of transactions showing on my account, so there is nothing for XXXX to dispute. 


I talked with the Huntington branch manager today, XX/XX/XXXX at around XXXX central time, who told me the same thing -- there is not much that can be done unless my bank files a dispute. However, my bank is not involved with the transaction since one was never made and could not be made by the ATM. The branch manager said that after contacting the third-party ATM operator, they were able to confirm that I made a transaction of {$20.00}, but that it was a failed transaction and not accepted, even though the machine told me it was accepted.

The branch manager also suggested I use the ATM to withdraw and " prove '' that I have access to the ATM and that XXXX XXXX be able to file a dispute then, but after calling, XXXX said that is not how their dispute process works and they can only dispute the specific transactions themselves, and said that the advice given to me was not ideal. 


I have asked for the ATM to be audited or balanced, security camera footage, or for some sort of evidence that may be sufficient for XXXX to file a dispute. But they can not give it to me before a dispute is filed, but XXXX can not file a dispute in the first place, and says the issue is entirely consolidated with Huntington and their ATM ( which I personally agree with ). 


It is a frustrating circle of events that I feel trapped in.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (KS)

( DO NOT CLOSE THIS ONE OR LISTEN TO US BANK!!!!! THIS ISNT A DUPLICATE!!! I am GOING TO POST A COPY OF MY BANK STATEMENT WITH THEM TO PROVE THIS DOES IN FACT BELONG TO THEM AND THAT THEY ARE RESPONSIBLE! ) So I contacted US Bank, more specifically their Dispute Center, to report the following transactions as fraud : XX/XX/XXXX - XXXX XXXX : {$280.00} XX/XX/XXXX - Transfer to XXXX XXXX  : {$320.00} XX/XX/XXXX - XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$350.00} XX/XX/XXXX - Transfer to XXXXXXXX XXXX XXXX  {$350.00} XX/XX/XXXX - XXXX : {$260.00} XX/XX/XXXXXXXX XXXX XXXX : {$100.00} With those disputes they approved the transaction from XX/XX/XXXX from Transfer to XXXX XXXX  because I provided a detailed description of the fraudulent activities with said XXXX XXXX  account, to where any time Id get money on my US Bank account, they would do an Automatic Withdrawal, which I had no idea even existed, until I saw these transactions on my account. But because that one was approved in my favor, I figured the others would too, but they denied EVERY LAST ONE OF MY OTHER DISPUTES WHICH IS RIDICULOUS BECAUSE HOW CAN I PROVE THAT IT WAS FRAUDULENT BUT THE SAME THING KEPT HAPPENING AND YOU DONT APPROVE THE OTHER TRANSACTIONS THAT ARE JUST LIKE IT??? Even though I provided more proof than before???? Not only that but for the points purchases I literally sent in screenshots showing that these companies not only didnt provide me with what was purchased but ALSO deducted ALL MY EARNED POINTS OUT OF MY ACCOUNT FOR UNKNOWN REASONS. US Bank STILL gave the case in their favor I faxed all the necessary documentation, and they STILL denied my claims and made my account go in the negative I had my card used fraudulently. PROVE TO THEM IT WAS USED FRAUDULENTLY, and they STILL put me in the negative over {$1400.00}. GIVE ME MY MONEY BACK FOR THESE FRAUDULENT TRANSACTIONS This is a formal warning on a government regulated forum that allows public notation of my complaint, as Ive been advised by my attorney to give you all this last opportunity to rectify this situation or you all will be sued in a class action suit headed by others who have already gone through this, along with my own personal claim against you all.
Consumer complaint received 2023-03-13
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

This is a complaint about wells fargo. I recently contacted wells fargo about there recent settlement with their customers and i was told that they were not informing customers of the review process to find out if they are in the settlement. I dont understand why wells fargo gets to decide who was affected by their criminal activities. 
It seems that you did not learn the lesson from 2008 when wells fargo was permitted to stiff their customers from their last criminal act. 
WELLS FARGO NEEDS TO PAY FOR THEIR CRIMINALITY!!!!!!!!