davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a personal check in the amount of {$1000.00} on Saturday XX/XX/2021 to my Bank of America account at an in-person teller. 

I was told at the time of deposit that a hold would be placed on the funds until Wednesday XX/XX/2021, which I took no issue with. 

Later, I was notified that the hold would be extended to Wednesday XX/XX/2021 which, to my best reading of the Expedited Funds Availability Act, is in violation of the law. 

Regardless, after I could not get the hold released, I asked for {$400.00} of the funds which, again, the XXXX appears to entitle me to at *least. * Again I was told they would not release a single dollar of my money. 

I even brought up the act and the person I was talking to was doing internet research on it just to figure out what it even is .... which indicates to me that the bank is likely just dismissing the provisions of the act if their own employees arent at all familiar with it. 

No written notice was given that were enacting any kind of exception hold ( and even if they had, that would expire before they release my funds anyway ) and no explanation was given for the full week extension of unavailability of the funds. 

This is very frustrating and, as far as I can tell, illegal. 

I doubt that any action will be taken that could remedy my situation any faster than just waiting another 6 days will, but hopefully there is something that can be done to force them to follow the law. 

Thank you and take care. XXXX.
Consumer complaint received 2023-05-11
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)

I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment 605 of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX AV XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Good evening, I come once again to remove incorrectly reported Public Record, Im having a hard time with getting Experian to comply with FCRA section 609, I have disputed a incorrect address on my credit report, this address is associated with a reported Public Record, Experian agree and removed the address, as well as the furnisher of the information, XXXX XXXX, however, the feel that thier not obligated to remove the Public Record associated with the address, the FCRA requires that any information on your report wrongly reported is grounds to remove that item, Im asking Experian to please honor FCRA and remove the Public Record on my report.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (TX)

When I investigated my updated report in XXXX XXXX, There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (NY)

I received a copy of my most recent credit report and there are inquires from several XXXX XXXX XXXX XXXX. I did not initiate, request and/or conduct any business with this company
Consumer complaint received 2021-03-04
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 have contacted Transunion, XXXX and XXXX  many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was a victim of fraud. A person posted an ad on XXXX XXXX and stated that he can not show the rental property listed due to social distancing and COVID restrictions. He asked for first month rent and one month deposit to be transferred to a XXXX XXXX account ... I followed his directions but when the day to receive the key came he disappeared. Afterwards I googled his name and found others who fell for this scam. The issue is that when I called BOA and asked to retrieve the wire transfer they did not act quickly and only on the 45th Buisness day after my call which is the upper limit allowed did they issue a letter stating that the account it was forwarded to is closed. BANK OF America did not act quickly and more then that they should have alerted the XXXX XXXX that the holder of the account to which I transferred money is a scammer who keeps scamming others on a regular basis advertising apartments for rent throughout the US. Instead of being ProActive and working on flagging the account and warning others Bank Of America was placid and responded only on the last day they are officially obligated to respond this despite me calling them 5 different times and being promised that someone will respond today. Its as if BOA combined and joined the scammers to propagate fraud
Consumer complaint received 2021-03-05
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: TRUIST FINANCIAL CORPORATION (FL)

Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/VCTRSSEC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (CA)

CRB Auto recently changed to Mechanics Bank, and now their website doesn't work. My car payment is due in 4 days and I've never had a problem paying my bill. Today I tried to log in but got an error message saying my user name or password was incorrect. I clicked on the " forgot password '' button and it said to enter my user name and a temporary password would be emailed. I entered my user name and it said there is no account with that user name. I clicked on " forgot user name '' and it said an email would be sent to the email address on file, but I never received an email. 
I have never had a problem paying my bill while it was CRB Auto. Mechanics Bank must have done something because now I can't pay my bill. Not sure what to do. 
XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NC)

Tried closing My Goldman Sachs Apple Card by calling customer service. They told me the account was restricted. I asked why. They couldn't give me a reason as to why my account was restricted. Employees refused to give me any information on the account. I would like my account completely removed and my information completely out of Goldman Sachs ' database.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to Resurgent XX/XX/21 paid {$390.00} to Resurgent
Consumer complaint received 2021-03-04
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 been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXXXXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss.

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TN)

I voluntarily closed my account that was in good standing with AMEX. I was unable to use most of the benefits of having a Hilton card because of COVID so I did not want to pay the annual fee renewal. I always paid the card in full every month and paid the final payment of {$210.00} on the date I closed my account. The payment processed my bank account on XX/XX/2021. I have my bank records to prove my assertion. Today, on XX/XX/2021 I received a bill that AMEX mailed to me ( please not that I have NEVER received an AMEX bill ; I have electronic billing ). The bill wrongfully asserts a " New balance '' of {$210.00} and includes a minimum payment due of {$40.00} and a payment due date of XX/XX/2021. I'm more concerned about other consumers falling prey to double billing or paying twice when the amount is not owed. Of course, I want this closed account to be credited in full and no balance indicated.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-11-22
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: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Due to the covid 19, at this point, I have been overwhelmed with an identity theft/ or someone claiming they have control over my funds, which no one should have power over anything without co during me first.. I am homeless, in ssdi, and was able to get work for a year before I was laid off and stuck in the middle of pandemic. I had to get a room to be indoors and began fighting the identity theft that I really didn't discover until around XX/XX/2020. That was when my phone was stolen, I spoke to them and froze the account, but my sim card was taken along with my info. And turns out my number, just like that.XXXX. 
So, I have been looking for ways to get the assistance to cover my room expense, and each place I go online ; company site, card insurance for purchase, card company itself, the city, the gov. And fema, they all don't want to pay the cost of what they can get reimbursed for. So now about 6 months later, my credit score XXXX, is now like XXXX, and my ssdi, check has been messed up, no cash to live on but my credit cards, are all decreasing my credit, charging fees, rate probably up, and I can't afford to pay to get my car fixed now or for a room. I have had to keep what I could with me in my car, so so have all my stuff but one storage, maybe if someone didn't gain access without permission, with me. No one will half me as a victim, as homeless, on XXXX, or because it states the rules and regulations on line. So I'm about to be out in the cold once again with everything I pretty much own to wait for someone to help me. None of my credit. Cards, are really undsrstanding.
Consumer complaint received 2023-05-11
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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states : a consumer reporting agency can not furnish 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 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 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

LEXISNEXIS HAS VIOLATED ME UNDER FCRA THEY PREVIOUSLY BLOCKED A BANKRUPTCY RECORD THAT WAS IDENTITY THEFT BUT CONTINUED TO REPORT IT XXXX  AND XXXX AND PACER A THIRD PARTY. I HAVE ASKED THEM PREVIOUSLY TO BLOCK FREEZE AND SUPPRESS MY RECORD WITH THEM. THEY HAVE ASSURED ME PREVIOUSY THEY HAVE BLOCKED THIS FILE AND REMOVED INFORMATION BUT CONTINUE TO REPORT. RECENTLY THEY EXPLAINED TO ME THAT WERE DISPUTING ONMY BEHALF TO XXXX AND XXXX. BUT ITS STILL REPORTING ...
Consumer complaint received 2023-05-11
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. (SC)

This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX