davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Good morning sir/mam, my name is XXXX XXXX and my maiden name is XXXX XXXX.I opened an account with bank of America in XXXX.When they first opened my account they merged my account with some bank other person who had the same name as mine. I realized when the woman directly sending messages to me and asking me who am i? i didnt know what was happening the very next day morning i went to the same branch where i opened my account and i told them the whole story. They said your account was mistakenly merged with the other person.Hows that possible when i provided my social.They somehow fixed it and i started operating my own account.Everytime i could see multiple fee or overdraft charges and and it happened XXXX  times that once they took XXXX XXXX  out of my account.I went to the branch and asked them where my money disappeared and they issued a ticket to investigate where could the money go but i never heard back from them and once it happened that an amount of XXXX got withdrawn from my savings account.It was a day before my marriage when people have plans and things to be done.On my wedding day i had to borrow l money from my friends because Bank of America let go my {$7000.00} from my savings account without notifying me.I dont know where any of the money go.After XXXX i didnt keep much money in my account and they were always putting overdraft charges and many other additional fee that i couldnt afford paying.One day i just got a letter that my account is in negative because i couldnt able to maintain the balance in my account.I couldnt open the account anywhere else for so many months because other banks used to say i have to pay the negative balance to bank of America to maintain the bank history.I am so terrified now i dont keep any account i have a fear they just take out our hard earned money.Recently i got to know that there were so many other victims like me who reported to the CFPB who are eligible for compensation from Bank of America.I would request a sincere help from CFPB to investigate if I am eligible for this compensation too.
Consumer complaint received 2024-03-19
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)

Despite my diligent efforts to provide valid documentation supporting my position, it seems that my message is not being properly received. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. I am aware that according to FCRA Section 619, obtaining information under false pretenses is a serious offense with severe penalties. However, I have never shared my documentation with anyone else, and I fail to comprehend why it is being suggested that this constitutes high-risk due to potential fraud. The following accounts need to be removed from my credit report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX  XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/23 I deposited a check into my Bank of America account for {$36000.00}. The check was issued by my sister, who is the executor of my late father 's estate. He died two years ago this month, and this was the balance of my estate money. The issuing check account is in the name of the estate. 

The bank teller didn't ask me any questions about the deposit and said it would be available in 2-3 days. Later that afternoon, though, BofA placed an 11 day hold on the check. The notes indicate that the deposit is " likely to be returned. '' I spent hours speaking to customer services reps on the phone and the bank, and no one could explain why the extended hold was placed. 

My money is being unlawfully detained by BofA.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I submitted a complaint about Navy Federal Credit Union not wanting to lower my interest rate or defer payments temporarily before. They relented until I submitted a complaint but have set terms that would cause me to default like making my payment due on a Sunday ( when nobody is working to collect payment ). They set shady terms that favor them and go against the consumber ( me ) to purposefully trigger a default or delinquency. The terms in the deferment state that my payment is due Sunday, but if payment is made early the lower interest rate they set will be canceled, and if the payment is made after the due date the card will be delinquent. These terms that they set are not conducive of honest dealing in caring for their customers nor fair. On the app they still have my interest rate at 17.99 % when it was supposed to be lowered to 3 %.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I received a loan from XXXX XXXX in the amount {$350.00}. On XX/XX/XXXX, XXXX had my account was restricted and I couldnt access the account. My Social Security check was deposited on XX/XX/XXXX. XXXX refuses to release my funds which I will have to pay a penalty of {$25.00} per day. I was told it would take XXXX days to process my refund and the account will be permanently closed.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (PA)

account opened under my name as fraud from BULLCITY FINANCIAL SOL XXXX XXXX XXXX XXXX XX/XX/2018 {$660.00} {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-19
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-17
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX 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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (FL)

Called XXXX XXXX/First Progress on XX/XX/2023 to close my account. Representative assured my account will be closed immediately. I asked her when would my security deposit of {$1000.00} be returned, she replied " in about 10 weeks from today ''. I called on XX/XX/2023, spoke with XXXX to check the status of my security being mailed. Representative apologized an reported 1st rep closed my account but did not request for my security deposit to be returned to me. He explained he would surely have my security check mailed to me but it would take an additional 10 weeks. I kindly asked, with it being no fault of my own, can my security check be expedited. He explained he would place a request with " back office '' but i would have to call back for a determination. Called back on XX/XX/2023 spoke with XXXX. She explained in order to request they expedite my security check i would need to fax Name of Credit Card Company, my name, account #, that account was surely closed and the request to expedite my security deposit be returned. to ( XXXX ) XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

I was recently advised XXXX was reporting erroneous public information of a Bankruptcy in the State of North Carolina, which I've never been a resident of. This letter I am submitting to XXXX and LCI, demanding they delete this bankruptcy that is reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX XXXX : XX/XX/1975 LCI Consumer Center XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX RE : Warning to Remove Incorrect Item XXXX To Whom It May Concern, I have previously disputed Reference Number XXXX Bankruptcy XXXX  XXXX Dismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the US Bankruptcy Court-Western District of North Carolina XXXX 

I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 

From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 

Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. Equifax, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXXXXXX : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-05
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: National Credit Systems,Inc. (NV)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-19
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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
Consumer complaint received 2024-03-19
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. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Upon reviewing a copy of my credit report I found inquires that I do not recognize nor did I ever do business with any of these companies listed. I also never gave permissible purpose for my credit file to be pulled which violates 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Consumer complaint received 2023-04-21
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (VA)

The company originally only allowed payments via mail or bill pay. When I used bill pay, I could not confirm when the payment was received by the bank, and the bank would often claim the payment was received after the due date and charge late fees and report missed payments to the credit reporting bureaus. 

Sometime in the last year, their website allowed " direct pay '' where I could make the payment online using a checking account. I was very relieved to be able to prove when my payment was made. However, I made multiple payments via this method and would find that although it showed online that I made the payment, it would not hit my bank account, and record of the payment would drop off and then again, I would be charged a late fee and have a missed payment reported to the credit bureaus. 

I made multiple phone calls to Customer Service and they told me that direct pay " doesn't always work '' and to go back to using Bill Pay.

Over the last two months - I have used " direct pay '' AND Bill pay and both have failed to be credited to my account in a timely manner, resulting in late fees and reports to the credit bureaus of missed payments. I have documented my attempts to pay my bill on time over the last two months, and that proof is attached.

Additionally, the bank does not provide any confirmation of payment via email, etc, other than what shows online on their website. If I don't take a screenshot, I have no proof that a payment was made.

Attached documentation : 1 ) screenshot of online payment confirmation for payment made in XX/XX/XXXX using " direct pay ''. 
2 ) statement from XXXX showing that the payment was applied, as expected, with no late fee for that month. ( Also note on the statement the 'fees charged for this year ', because of all the payment issues. 
3 ) screenshot of payment made via " direct pay '' on XX/XX/XXXX, before my XX/XX/XXXX due date. 
4 ) XXXX statement, with no payment applied. Late fee was charged. No payment was ever credited, or presented to my bank. I didn't realize until after the late fee, of course. 
5 ) Screenshot of XXXX payment made via bill pay from my bank showing receipt by XX/XX/XXXX. 
6 ) screenshot of First progress account on XX/XX/XXXX. No payment shown, and I will incur a fee today and an additional report to credit bureaus. 


I believe this company is failing to take payments on time with the intention of charging late fees and additional interest. It has cost me hundreds of dollars in fees, interest, and has done significant damage to my credit.