davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My Bank is Citizen 's bank. My account has been negative for almost 3 weeks now because i have about 5 or 6 {$35.00} overdraft fees that I can't get out from under. That's about $ XXXX {$180.00} just in overdraft fees. My account is currently XXXX negative. Half of it is overdraft fees. Banks should not be allowed to charge more than 3 at a time. This is insane how is anyone supposed to live. When I called the bank to see if they can help me out since they do courtesy refunds on the overdrafts. I was denied due to having one back in XXXX and one in XXXX last year. Looking at my account they were not courtesy refunds, they were refunded back to me because i won a claim I filed.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to express my deep concern and frustration regarding the recent denial of my fraud claim by Bank of America. On XX/XX/2024, I contacted Bank of America 's customer support to report several unauthorized transactions on my debit card. These transactions amounted to a significant loss of {$6900.00}. Understandably, I was in a distressed state of mind due to this substantial financial loss. 

During the initial call to file the fraud claim, I provided all the necessary information and answered the questions posed by the representative to the best of my ability. However, in hindsight, I realize that I may have inadvertently provided inaccurate information due to the extreme stress I was under. Specifically, I erroneously stated that I still had possession of my debit card, when in fact, I had lost both my wallet and phone for awhile and soon after was hit with many charges throughout the weeks. 

Despite my cooperation and submission of all required documentation, I received no further communication from Bank of America regarding the status of my claim. To my dismay, I later discovered that my claim had been summarily closed without any explanation or notification. This decision has left me feeling deeply aggrieved and betrayed by a financial institution that I have trusted for many years. 

It is important to note that such large transactions are entirely out of character for me, and I have never made purchases of this magnitude in my history with Bank of America. Furthermore, I strongly believe that my phone was compromised and used for these unauthorized transactions, as I recently experienced a hacking incident. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that I am treated fairly and justly. As a consumer, I rely on the integrity of financial institutions to protect my interests and assets. The denial of my legitimate fraud claim has not only caused me significant financial hardship but has also eroded my confidence in Bank of America 's ability to safeguard my accounts. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf and XXXX Bank of America to reopen and thoroughly investigate my fraud claim. Additionally, I seek restitution for the losses I have incurred as a result of their negligence and mishandling of this matter. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the restoration of my faith in the banking system.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not one of the 3 reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} one company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have two different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2022-11-11
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 sectiion 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 ir has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/2023 {$8400.00} XXXX was removed from my Wells Fargo bank account via an online wire transfer. I was not notified of this transaction nor did I have any involvement in authorizing it. I immediately contacted Wells Fargo where they advised me that the money was sent to another person who I have no connection to. Wells Fargo informed me that the money was removed from my account ; however, the funds were not yet fully deposited into the other bank account. Despite the money not yet being deposited into the other account and the money not being in my account either, Wells Fargo was unable to tell me where the money is. I advised Wells Fargo that I never placed or authorized this transaction and had no involvement in doing so. Wells Fargo told me that it had to be my fault since the person who made the transfer used my information. Law Enforcement was then contacted and quickly identified and located the suspect who conducted the transfer. Due to the suspect being outside of the range for extradition, the suspect has yet to be arrested. The criminal investigation revealed that my personal cellular device was either compromised or a phone port was used to access my Wells Fargo account. Additionally, Wells Fargo informed me that they sent several passcodes via text to my phone which I never received. Despite Wells Fargo already having this information they still made me request my phone records which clearly showed that I did not receive any such messages. Wells Fargo has continued to refuse to refund the money that was stolen from my account and shifting responsibility to me for their own failure in fiduciary duties to protect my funds. Law Enforcement also has a subpoena for my bank records to further show that I did not have access to my account in regards to this transaction. I have attached the initial police report to this submission. This report does not have all of the information that has been discovered over the course of the investigation and only provides a brief overview of the case.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

Nelnet has the wrong " loan origination '' date on my loans. 

My " loans origination date '' is only from XXXX. 

Nelnet states my " loan origination date '' is XXXX 

" Loan origination date '' is defined by the US department of education s " the date the funds were distributed from the Federal government to the school directly or the student ''. 

The loans originated XXXX. NOT XXXX 

Please correct the misinformation.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for me.
Consumer complaint received 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

I closed /recorded on XX/XX/XXXX with Fairway Independent Mortgage Company . Once my documents were reviewed by XXXX XXXX XXXX XX/XX/XXXX the staff there reached out to the Builders of my home realtor and stated the fees were quite high compared to other loans. I submitted via email inquiring why these fees existed or were so high. The loan officer XXXX XXXX emailed me back stating she would prefer to verbally have this convo with me, which I am not comfortable having that conversation verbally. When I spoke to the loan officer earlier during the closing process and we spoke about income drop due to COVID, no additional fees were discussed or stated would be higher, and these fees appear to excessively high. I did not speak to her verbally, and no answer as to why fees were so high. 
In addition to this I paid off my debt obligations and checks were issued to those creditors which are useless and I requested to be refunded or re issue to myself, there were several emails between Fairway Mortgage and myself.The last email XX/XX/XXXX stating they are working on it ( underwriter ) and praying this can be worked out by the end of the week. 
The high fees are unsettling and I would at least like to be refunded the money I paid the creditor which the agency seems to be dragging the process out without no resolution.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has taken two certified government checks of mine. The first one was on XX/XX/2023, I went to the bank to deposit a business check into my business account but was told i couldn't and that I needed to open a personal account, I thought it was strange but did it because I was talking to the XXXX. The day the funds were to be available, was the day they closed the account. I assumed they closed it due to a business check being deposited into a personal account but they said something about fraud and that they would send the check back to the IRS but they did not, {$13000.00} just gone and never seen again! 

Present day, XX/XX/2023 I went to deposit another check for {$21.00}, XXXX into my business account, the funds were suppose to be available on XX/XX/2023. On that day I woke up to not having a bank account again but this time it's my business account. Once again, I did not receive any notice or warning concerning my account closing. I literally have nothing now that they took all of my money. They claim fraud or an invalid deposit but they never gave me a valid reason, just that were they're going to send it back to " the maker '' but they never sent the other check from XXXX back, so I knew that was a lie! 

After speaking with several different representatives from Client Protect, I've never felt so unprotected and confused in my life. I received so many conflicting answers to my one and only question " WHY DID YOU CLOSE MY ACCOUNT? ". I was told I needed to contact then IRS because the check is fraudulent, so I did 3 times and each time I was told that every check sent to me was good and my business is good, NO fraud, NO investigation, NO red flags NOTHING which is the complete opposite to what Bank of America keeps telling me. I have not done anything wrong and Bank of America stole my money and refuses to return it to the rightful owner which is me! 

I have XXXX children to take care plus XXXX business to run to make living, My rent was not paid for this month due to them closing my account and not willing to return my money.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am writing to file a formal complaint against USAA FEDERAL SAVINGS BANK regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, USAA FEDERAL SAVINGS BANK has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to USAA FEDERAL SAVINGS BANK. However, to my dismay, the letter was returned to me as undeliverable. This indicates that USAA FEDERAL SAVINGS BANK has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of USAA FEDERAL SAVINGS BANK 's failure to furnish accurate information. This demonstrates that USAA FEDERAL SAVINGS BANK is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

On XX/XX/2023, I sent a certified letter to Navient about inaccurate information they are reporting on my credit report. I asked that they removed the inaccurate information but they completely ignored me, and the information continues to be reported on my report which has caused me to be denied for credit and an apartment.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Date XX/XX/2016 car dealership by the name of XXXX XXXX XXXX XXXX XXXX  sold me a car same month engine went completely out I surrendered car now theres an outstanding balance listed on my credit in the amount of {$10000.00} closed collection account on my credit
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is a debt on my credit report that is reporting twice. I have submitted written disputes several times directly to the credit bureaus, but Experian and XXXX  have not made efforts to correct the inaccurate information. The debt with the original creditor ( XXXX XXXX XXXX XXXX ) of {$18000.00} was transferred to a XXXX XXXX as of XX/XX/2018 per Experian 's reporting and XXXX 's verification. Despite XXXX stating they no longer have the account, they have continued to report 90+ Days Late day delinquencies and the full balance of {$18000.00} as due for 39, going on 40 months now. I do not know who owns the debt. XXXX says the collection company does ; however, they continue to report to the credit bureaus that I owe them directly. I can not and do not owe the same debt twice to both XXXX and a collection company. My written disputes have not been responded to by XXXX, Experian, or XXXX. They have been submitted numerous times over the past several years.
Consumer complaint received 2023-09-27
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. (GA)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

Was charged {$800.00} in annual fees on two cards, {$550.00} and {$250.00} respectively. Creditor closed account mid annual fee, was told they refuse to refund charges based on either in its entirety or prorated. Was told this is not per their terms and conditions. However, in a chat the company has stated they waive fees during a 30 day period post fee being charged. American Express submitted an escalation but told me they will not reach out to me either by phone, email or by mail with the results.
Consumer complaint received 2023-05-12
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: Bread Financial Holdings, Inc. (NJ)

I'm looking at my credit report and I see an account being reported by Victoria Secret/Commenity Bank . This company is reporting this account as a collection or charge off and I have never been sent a 1099-C regarding this alleged balance. The FCRA requires that companies obtain written consent before reporting negative information about me to a credit reporting agency. This did not happen. I have never given this company permission to report this information on MY consumer reports. I demand to see proof that I have. I also demand to see the original agreement specifically pertaining to my consumer rights. In addition I demand to know if there was insurance on this alleged account and if the company wrote this off as a tax write off. The notes on my report say it was sold, I never gave them permission to sell any of my personal information I demand to know what company this was " sold '' too and for how much. This account has caused me to repeatedly get denied credit and has caused emotional stress and trauma.