davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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: Maximus Federal Services, Inc. (MA)

I received a letter from the XXXX XXXX XXXX. which detailed my outstanding student loans and lured me in to call the phone number as I was planning to situate my loan repayments and the XXXX XXXX website is the most confusing site for people entering loan repayment. Anyways, on this phone call, the scam artists, have an elaborate script where they reveal along the way that they have ALL of my personal information. They stated my SSN, addresses, phone numbers, emergency contacts, loan details and more. All of this was in effort to get me to provide bank account information, which I unfortunately did, and finally they wanted me to sign a digital document which was sent to my email. Thankfully, I realized at this step that this was a fraudulent email, but up until that point there was almost no way to distinguish that I was on the phone with a criminal.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened up a credit card with Capitol One Savor Code XX/XX/XXXX. They advertised a {$200.00} sign up bonus if you spend over {$500.00} in the first 3 months. I called them XX/XX/XXXX and was told that the {$200.00} would automatically be applied to my first statement. That was a lie. I called XX/XX/XXXX and the robot said my payments were not due until the XXXX of XX/XX/XXXX. I then spoke to XXXX she refused to give me her employee ID. I told her the app would not let me set up automatic payments for a different date an earlier date of what she said the due date was of the XXXX. She refused to give me her employee ID. She said she could help me set up the automatic payment for a different date, that was a lie. I then called back and spoke to XXXX ID XXXX who transferred me to supervisor XXXX ID XXXX who said Capitol One does not allow people to set up auto payments for any day but the day it is due. She also told me that the rewards will not be applied until after 3 months and I have to call and do that in XXXX of XXXX. This is not what I was told before I made a purchase of over {$500.00}. I asked XXXX for the employee ID of the two people who gave me the wrong info and she refused. I told her that I was going to file a federal complaint and she told me I could not get any further information without a subpeona. I believe their system is set up for consumers to be late on payments by not giving them a choice of paying earlier with auto pay and by the robot giving out a due date that is 3 days past the due date and would cause penalties and breach of contract. I tried to update my cell phone on your website and it wont let me. My new number is ( XXXX ) XXXX and I have proof of all the calls with that number.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U. S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit reports immediately : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (GA)

My wife and I were denied a personal loan because my wife, who has XXXX, could not sign loan documents even though I have Financial POA on her. Why is this not discrimination against the XXXX XXXX XXXX. XXXX XXXX  told me the same. This type bank policy forces some XXXXXXXX XXXX XXXX  to seek service from private loan companies who charge ridiculous interest rates that XXXX recipients can not afford.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (VA)

We have a Premium Checking Account at M & T Bank. One of the features of this account is " Free Standard Check Orders. '' This information is publicly available here XXXX XXXX XXXX XXXXwww3.mtb.comXXXX. We attempted to place an order for free checks online, over the phone, and at the local branch. In all cases, we were instructed to pay a third party for the checks.
Consumer complaint received 2024-04-27
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. (MD)

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR FC Account Number : 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 2023-11-07
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( 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
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America on XX/XX/XXXX to deposit my pay around XXXX. I had asked my employer to pay me cash because I needed to pay some bills and didnt want to wait for my check to clear. I attempted to make the cash deposit at the ATM and after I inserted my money in the machine, the machine started malfunctioning and went to the home page. It didnt not give me credit for my whole pay. I immediately called Bank of America to figure out what to do. The representative said to not worry, that my cash was safe in the atm and that a claim would be made so that I could get a credit for that money in two days due to the circumstances. She asked to give her the ATM number that was displayed on the ATM, I had to look everywhere and it was not present so I had to look at the other atms so she could disqualify those and see where I was. I waited two days and nothing showed on my account. I called the bank again and they said it was going to take 10 business days for the credit to show, that I wouldnt get the credit until XX/XX/2024. I re-explained I had to pay bills and there was no way I could go through the holidays without any money at all. They said they would try to expedite it and I would most likely receive the credit in 2 days ( keep in mind they had said they would do this when I first filed the complaint and didnt ). I waited the two days and called to see if there were any updates because even though I had requested written updates, none were given ). The representative said the expedited request was denied. I asked for what reason and to be connected to the team that makes that decision. She said, they do not even talk to them and had no way of communicating with them. My account is now negative so I asked if I would get charged overdraft fees when they are the reason why my account is over draft and they are keeping my money interest free. She said I would, and had to keep calling back to ask to please waive the fees but even then it wasnt guaranteed. 
This issue occurred through no fault of my own and yet Im being punished for Bank of America not maintaining their equipment. Now I have to go through the holidays with no money, have no money for bills, no money for rest, have to keep wasting my time calling them to please waive the overdraft fees and give me my money.
Consumer complaint received 2024-04-27
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. (CA)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i filed an ftc identity theft report and a police report in which i have sent both to equifax, experian and XXXX on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

XXXX XXXX XXXX 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 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

In XX/XX/XXXX, Navy Federal Credit Union, created a savings account for another member whom I had brought into the bank as a minor in XXXX, attached this new account to my savings account and withdrew over {$2400.00} from my account to cover money owed by the member that I brought in XXXX. When I brought the member in back in XXXX, she was a minor who is now an adult. She of course since then has opened up several accounts with NFCU on her own ( that I AM NOT JOINT OWNER ). Apparently in XX/XX/XXXX, this member put in a fraud claim on her checking account THAT I WAS NOT JOINT OWNER. XXXX of XXXX, NFCU apparently denied the fraud claim and since the checking account was closed at the time due fraud, NFCU created a savings account which generated a negative balance for the member, NFCU attached the savings account to my checking account and withdrew the money from my account. They DO NOT CARE what kind of hardship this has caused on me, they did not care what automatic deductions I had coming out of my account. Numerous reps told me that the individual owes more money and that NFCU will continue to take my money that comes into the bank INCLUDING MY VA XXXX BENEFITS!!! THIS CAN NOT BE LEGAL. I have asked numerous times, how much does the other member owe, maybe I can work out a payment plan to pay the money back but I can't afford for them to take over {$2400.00} from my account but I am constantly being told that THEY CAN NOT DISCUSS ANOTHER MEMBER ACCOUNT WITH ME!!! Again, this CAN NOT BE LEGAL!!! How can you take my money and threaten to take more including VA XXXX payments and NOT TELL ME WHY, HOW MUCH or anything of that nature???
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from Navy FCU Finance two on XX/XX/2023 and one onXX/XX/2023 and XXXX XXXX XXXX  onXX/XX/2023. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.
Consumer complaint received 2024-04-27
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. (KY)

I feel XXXX, XXXX and Equifax illegally obtained my public records without my authorization and illegally purchased a XXXX  XXXX bankruptcy bearing my name and all the adversed accounts included in that XXXX XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that XXXX and Equifax get public records from XXXX. Which therefore holds XXXX and XXXX Equifax responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX  XXXX bankruptcy from all 3 of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how XXXX Equifax obtains my public records. However recently that put that they retrieved them from XXXXXXXX XXXX bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: 700 Credit Experts (MS)

I spoke with 700 credit experts about credit repair and fixing my credit. They gave a 90 day warranty to bring my scores up and get items removed. I have paid them for one month and want to get out of my so called contract because they have brought my scores down tremendously and not removed the items in question.
Consumer complaint received 2024-04-26
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. (AR)

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 name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2023-12-20
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: Professional Recovery Management (GA)

I am demanding the deletion of the account XXXX XXXX XXXX XXXXXXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected XXXX  bills, including surprise XXXX  bills for XXXX  services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

I was scammed by a fake loan company on XX/XX/23. I have proof of the scam, called and reported to my bank, But, they said I am responsible for allowing it to happen. They scammed me thru bank verification not approved. They took XXXX total in FALSE dispute claims. In return XXXX XXXX is making ME the victim pay back funds that I did not ever report for disputes. XXXX XXXX took XXXX from my person l checking account on XX/XX/23 forcing me to pay a debt from a fraud claim. THEN today XX/XX/23 they TRIED to charge me another XXXX. i am very upset they are refusing to return my money. I even filed a police report thru our local Bank Fraud team. Please HELP ME> This is Security Fraud and I am the VICTIM being help responsible for a SCAMMERS actions. I attached the Fake loan approval document sent tome the day this transpired. They used a REAL loan company to XXXX customers. They closed old account the XXXX happened on and opened NEW account same day XX/XX/23. However they are now taking funds from my new account to cover the debt created from this FRAUDULENT activity.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello on Friday XX/XX/XXXX I went inside a Bank Of America branch to exchange XXXX currency. I have a checking account with them. When I arrived I asked the banking representative who made the exchange if there were any requirements or restrictions and the only thing he said was there was a limit on the amount which I did not exceed. When the exchange was done he asked me to log into my BOA app to make sure the money was there and it was and he said everything was ok and thanked me for coming in and being a customer. The same day they put a pending closure on my account and its been under review for 10 days now without any explanation. When I call no one can tell me anything or have any idea when the review will be done. The account is suspended and Im unable to pay my bills or feed my kids. I dont mind them closing the account if thats their protocol. My concern is its taking them so long to close it. I got an email on Sunday XX/XX/XXXX that my account has been closed but its not. Please close my account so I can pay my rent.
Consumer complaint received 2023-08-09
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: World Acceptance Corporation (MD)

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (IL)

I have applied for the SAVE repayment plan with Aidvantage now 4 times. Twice online and I was not given the opportunity to provide my husband 's loan information. After receiving a confirmation of SAVE monthly repayments more than double what my payment had been monthly, I called. I spoke with a human and applied again for the SAVE with them providing my spouse 's information. I was told my payment would be around XXXX XXXX. A few weeks later, I called again to make sure this application was still being processed and was told yes, and the same monthly amount. I emailed about a month later and the reply was that they'd already approved it and my monthly payment would be more than XXXX XXXX. I called again, and was told when the last person I spoke to applied they must not have used my spouse 's information. She also stated that the account would also automatically have forbearance extended since I have a SAVE application outstanding. I have yet to receive this application 's process confirmation, but I still have a payment due over XXXX on XX/XX/XXXX. I am now also accruing interest now because of their incompetence.