davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was advised by Bank of America Executive relations officer as well as multiple BOA claims department manager that my clam in the amount of {$190.00} was not processed correctly and the amount would fully be returned to me by check. These conversations were recorded and witnessed by Attorney. 
Bank of America was advised on XX/XX/XXXX that should my payment not be issued by XX/XX/XXXX I plan to sue Bank of America, its affiliates, Employees involved and contact the appropriate California State Offices. I will also seek punitive damages.

On several dates I requested the proper adjudication of multiple claims. -Several claims were mishandled and not completed as advised. XXXX XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from 5 claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. -Claims were not processed or resolved in the proper time frame per California State guidelines. -BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. -Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. -On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. -Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls. -Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. -I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. -BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA 6 times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only cll bk ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act. I am interested in pursuing legal action.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

in XXXX of 2022 XXXX XXXX  received 6 ERC checks from the IRS. I DEPOSITED them in my navy federal account.they put a 14 day hold on the checks after 14 days the funds were relesed into my account. 8 days later that removed the money from my account and stated the checks were fraudlant and returned back to the IRS. I CONTACTED THE IRS THEY WERE NOT SURE WHY THE BANK WAS STATING THE CHECKS WERE FRAUD BUT THEY DID confirm they never received the checks back.i was told to do a tracier with the dept of treasury because i never received the funds. once the trace was completed it was deemed that navy federal still had the checks and it was nothing they could do because i signed and deposited the checks. i then contacted the bank again they stated that the checks were deemed most likely fraud by the check verfication dept because it was 6 of them. but they were never paid for the checks so they are not relasing any more info to me.

i obtained a tax transcript from the IRS showing the checking were sent out to me and no funds were never sent back on my behalf.

navy federal also closed my account due to high risk activity and cause all the otherf banks to close my accounts as well.this has effected my business terribly
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ATG Credit, LLC (PR)

I took only XXXX course and the balance was pay by my fed loan XXXX and they said, my new balance is XXXX and my account was move to collection agency. I do n't know how to disputed the new balance, they going to close the college on XXXX 2016.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX was paid in full for 'A pay to Delete ' collection XX/XX/23. As of yet they have fail to delete and instead have update my account as balance due 3 different times with 3 different balances. I have called them every month since XXXX to resolve the account. Ive also file a dispute XXXX 2023 with TransUnion and XXXX and both reported back as Dispute resolved by grantor! The information continues to be incorrect and with a new balance instead of a XXXX balance/deleted account as agreed. I turn to you CFPB now because at this point the only other help I can seek is with an attorney. This is an easy fix.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I made a purchase on XXXX For XXXX on XX/XX/2022 and I never received the shipment. Every time I would call they would say that they are looking into it and I should receive something in the mail. Till this day I havent received any update and I have called them about 3 dozen times and every single time its a different story. That my claim got denied because it says delivered. Other times the rep says Ill be receiving credit on my account in 48-72 hours and I get nothing. I have emailed them and called and nothing seems to work with them. Help me Account # XXXX
Consumer complaint received 2023-11-30
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its 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. Furnisher of information to credit agencies : is a financial institution by definition under that title. 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. The Financial institutions and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) wether 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 non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This debt with XXXX is from back in XXXX  and has not been active since. 

The debt is now with a collection company Portfolio Recovery Services and I do not owe them this debt. 

ALSO, the statute of limitations on Collecting a Debt in the state of Pennsylvania is only 4 years. 

Can you please look into the account history and have it removed ASAP as it is negatively impacting my score and according to the Fair Credit Reporting Act, this debt should no longer be negatively impacting my score. 

Thanks for your help in this urgent matter. 

Sincerely
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (VA)

I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2024-03-29
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (TX)

Sir/Madam, ( Facts ) In XXXX I had transaction with Sendwave, a money transfer company. I noticed debit in my account and mistook it to suspicious activity. I reported the transaction to my bank- ( XXXX XXXX  ). My bank acting on the report, reversed the transaction and two other transactions, {$600.00}, {$600.00} and {$300.00}, from same company.

The reversal of the three transactions made me look critically to my account. After careful look at the transactions, I realized it was a legit transactions between me and Sendwave. On knowing this face, I quickly called my bank and notified them that the transactions were legit. My bank promised to rectify it quickly. 

I followed it up, I called my bank to confirm confirmed they have credited Sendwave for the three transactions mistakenly reversed. The bank further informed to me they reversed the transaction to Sendwave on XX/XX/XXXX and that it would take about one month to reflect on their account.

Meanwhile by then Sendwave had blocked my account with them. Between XXXX - XX/XX/XXXX, I called Sendwave office about three times to confirm if they have received the credits and to unblock my account. In each of those calls, they continued to insist I am owing them the sum of {$1500.00}. When I called their office on XX/XX/XXXX, I was told the same story, that I am indebted to them in the same amount. 

I approached my bank on XX/XX/XXXX to know if the money in question is stuck in their system. My bank positively averred and confirmed to me, they have been actually credited the said amount sometime in XX/XX/XXXX. The bank directed they check their ledger between XX/XX/XXXX - XX/XX/XXXX. 

I called Sendwave XX/XX/XXXX and gave them the information from my bank and they said they will review it within three days and report back to me. They never did.

To support my statement and my bank, I attached my bank account statement page that shows the date the three separate amounts were reversed. 

Thanks
Consumer complaint received 2024-03-29
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. (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 Account Number : XXXX has violated my rights. Or a 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 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (FL)

In my Synovus checking account, I had a balance of over {$3000.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited a check for {$2600.00} at their ATM. Upon depositing the check, the bank froze my account and did not notify me. In the intervening time, my debit card purchase for gas was declined, my scheduled bill payments were returned NSF, and an online charge was denied- all the while I had {$3000.00} in the account that would have covered each and every charge. I went into the Synovus office on XX/XX/XXXX and spoke with XXXX XXXX who claimed ( incorrectly ) that my account would be unfrozen on XX/XX/XXXX. On XX/XX/XXXX at XXXX I logged into my account online and was unable to access bill pay, so I called Synovus 's customer service and spoke with XXXX who confirmed that my account was still frozen. At this point, I have sent an e-mail to XXXX XXXX at the branch informing her that the account was still frozen and requested that the monthly service charge of {$5.00} should be reimbursed since the checking account service was in fact not provided by the bank. At this time, I plan to go back to the branch and close the account due to the bank 's clear lack of competence, and customer service. Very disappointing.
Consumer complaint received 2024-03-29
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. (PA)

This is a brand new dispute. 
XXXX XXXX is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. XXXX XXXX failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was granted an extension from XXXXXXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Consumer complaint received 2023-10-02
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. (FL)

This is my second 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (TN)

Notice of Demand Close my Account.. Immediately, since the XXXX Navy Federal think this account was opened wrong. 
What type of dummy will deposit money into an account they have no access to do full Banking transactions according to the Banking Act? 

Navy Federal credit union has 3 days to officially close my account. 
STOP USING MY SOCIAL SECURITY NUMBER FOR YOUR GAIN ON THE MARKET. 

I KNOW ANY MONEY I DEPOSIT IN THIS ACCOUNT I AM TO RECIEVE DOLLAR FOR DOLLAR. 

I ALSO KNOW THE BANKS USE DOUBLE BOOKKEEPING... SO WHEN I DEPOSIT MY MONEY YOU MAKE A DEBIT AND A CREDIT AND KEEP 10 PERCENT OF MY DEPOSIT AND LOAN IT TO OTHER CUSTOMERS AT A HIGHER INTEREST RATE. 

I KNOW WHEN ANYONE COMES AND ASK FOR A LOAN BY LAW, YOU THE BANK CAN'T LOAN OUT ANY OF YOUR ASSETS, TO US ... ..UMM WHERE DO THEY COME FROM THEN?? 
US, THE ORIGINAL CREDITOR ... When we sign that promissory note for the loan, yall go on the backside, fill out XXXX XXXX, HAVE THOSE CREDITS Transfered to the bank ( underwriter ) then the bank tells us what the Federal Reserve Bank is willing to loan, you put yourselves as power of attorney and trick people into thinking they are really getting a loan from the bank when in all actuality its their money the bank is loaning them and then will charge interest on our money. 
Please stop playing me. 
All documents / correspondence will be recorded. 
A copy of this email will be sent to the FTC/ SEC/ IRS CID/ Attorney General/cfpb and any other regulatory agency I see fit to contact.
Consumer complaint received 2024-03-29
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. (FL)

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.