davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America XXXX XXXX both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank.

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. I have never had XXXX account in years and to be more specific I have never opened any account in years. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (GA)

I started a checking account with Chime, in late XX/XX/2023. I also opted for the Credit Builder secured credit card to start helping my XXXX score. The company I work for, XXXX, offers direct deposit, to be set-up in Workday, for paperless payroll and convenience. I selected and entered my Chime checking account as the elective account to receive the payroll, which is bi-weekly, on XXXX. My first two paychecks went through, no issues, to my checking account. The third pay date, XX/XX/2023, was deposited to the Credit Builder account, which I never designated or chose as a payroll election. The full amount, {$3100.00}, was deposited to Credit Builder. Now, if there was fine print that stated the Credit Builder account would be taking anything from my payroll, I never would have signed up for any product from Chime. I never saw or was able to review any language over this " option. '' I thought the action was severely wrong and immediately shut the Credit Builder down, through a Chime representative by chat, on XX/XX/2023. Payroll does come early with Chime, hence the XXXX date before the actual XXXX pay advice date. I noticed that as I checked to transfer funds back to checking before the closure of the Credit Builder account that this option was unavailable. My payroll was literally " trapped '' in the Credit Builder account, and the only access I would have would be through the credit card. The chat agent also never told me that once I closed the account, there would be a check mailed within 30 days with any funds in the closed Credit Builder account. This actually could be longer because there is a 14-day period to clear all transactions. Why would I ever knowingly let this happen? I NEVER WOULD, NOR WOULD I AGREE TO THIS FINANNCIAL SETUP. Also, I now have zero access to my payroll, which means missed car payments, missed utility and cell phone payments, late rent payments, and so on and so on. The repercussions of this action are endless. I finally have gotten in touch with several supervisors that have " stated '' they can expedite the return funds check, yet I have zero follow-up from these interactions. This has been after every interaction, usually by chat since XX/XX/XXXX  up to today, has been fruitless. They repeat themselves constantly and actually write, " don't worry, we love our customers. '' Its almost insulting to get that type of response. Each rep says they have to email someone to get this done. Who that someone is, I have no idea. I have been going through this now for eight days, with zero resolution. This is shameful upon any company and if any accounts are ever closed with remaining funds, a transfer or smoother option should be available, not a 30-day waiting and mailing period, essentially trapping all of my payroll or anything else that would have been in the account. I hope this gets a lot of attention, because the process is entirely wrong on Chime 's behalf.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TX)

I pay for my insurances separately. This includes the TX windstorm and Homeowners insurance. 

I have payment plans set up with both insurances and don't with to escrow my payments. I want to keep them both seperate. 

My insurance agent supplied the new policies to Rocket Mortgage two days ago. Today I receive a notice that Rocket Mortgage disbursed the full annual payment of {$1000.00} to TX Windstorm insurance without my approval. They have a copy of the policies and yet without inquiring, disbursed funds from the escrow account to the Insurance company. This results in an overpayment to Texas Windstorm insurance. I have twelve payments set up with TX Windstorm insurance and have already placed a {$150.00} downpayment with them. 

I feel that Rocket Mortgage is grossly mishandling my account. I've already requested I don't want escrows with them. They disburse to the insurance agencies without my consent. I find this unacceptable and this needs to stop immediately.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX the bank said I withdrew {$2000.00} from my bank but it was withdrawn from another persons bank. On XX/XX/XXXX they charged me {$2000.00} to my bank but when I called the bank and asked what was that for they had no clue. I went to the bank thinking it was a mistake from another company and then they tell me it was mistake in the system and that they called me but I was just at the bank and withdrew money and nobody told me anything.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Inquiries Needs to be removed do not have an account XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-31
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)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Bank Account # 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 further states a consumer reporting agency can not furnish an 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 7 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 accurate.
Consumer complaint received 2023-08-31
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)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 further states a consumer reporting agency can not furnish an 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 7 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 accurate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have disputed child support from Equifax, XXXX and XXXX about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXXXXXX XXXX I'm almost XXXX.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I open the bank account on XX/XX/2023, I made few transactions no more than {$5.00} then on XX/XX/XXXX I deposit {$100.00} into my account, I went to the store to make a transaction and it was declined twice I was trying to get my son some work shoes. I went to the local branch they couldn't assist me I talked to about XXXX different representatives they keep giving me a generic answer that my account is in review and my funds are frozen I can only deposit money into the account. I message the chief executive, he haven't reply back either, I just want my bank account unfrozen
Consumer complaint received 2023-12-05
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (WA)

I have been reaching out to this mortgage servicer for over a year. They do not send information about removal of PMI and they lose my written correspondence and even lost the check that I mailed to them in their own self addressed envelop. They are irresponsibly causing me to pay PMI for over a year that equates to over {$2400.00}. There is no way to escalate and no one gets back to me.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Okay so I had over {$1000.00} in my account I went to go pull money out not realizing I couldn't pull {$800.00} out but I needed it for my rent money so I went to the ATM at the bank not like a third party and it said it could not dispense the money to me at this time please give it XXXX hours before the funds will be put back in your account so the ATM didn't have the money to give me so I waited XXXX days and still no money back in my account this was on Tuesday the XXXX so we are now on XX/XX/XXXX and I still don't have the money back in my account they declined me getting a reimbursement on the money until they resolve it through the claims department I should have been reimbursed right away saying as the ATM never gave me my money I never got any money but they took the money out of my account so now my money is floating in the air somewhere and I can't pay my rent I am acquiring {$50.00} in late fees a day on my rent until it gets paid they are telling me I won't have it until the XXXX which is way far away from now I asked for temporary funds to be put back in my account until the claim is handled they didn't do that either they declined that which I don't understand because again it was an ATM of theirs that didn't have the money to give me not my problem their problem and I'm still now waiting on my money and acquiring {$50.00} in late fees until I get that money and they're not going to pay my late fees I'm going to have to pay them even though I had the money to pay them before the first I have called multiple times they're telling me there's nothing they can do they expedited the claim they said it's still not going to be done till the XXXX even though they expedited it again makes no sense Bank of America is the worst bank I have ever banked with I have several other Banks and I've never had a problem like this they're ATM never dispense my money I never got any money and now I don't have any money and they won't give me my money. My lesson learned is if you're using an ATM at a bank especially Bank of America and it says it can issue the funds immediately go inside the bank and let them know don't listen to the ATM that tells you XXXX hours and it was the XXXX so I still had a couple of more days I waited XXXX hours and still my money never got returned I'm almost a week later and still don't have any of my money and they won't issue temporary funds does it make any sense does it don't use Bank of America!
Consumer complaint received 2023-06-30
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. (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 XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.