davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.
Consumer complaint received 2023-07-11
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. (IL)

XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX this account was fraudulently opened in my name please delete it from my credit report
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MD)

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, PHH Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all 3 major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with PHH for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a PHH representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

Our business checking account with MNT Bank was compromised and a series of unauthorized ACH debits were taken. Once realizing these debits were occurring, we contacted MT Bank and were advised to close all accounts and to reopen new accounts. We were able to recover a small portion of the ACH is debited, but still have a large portion that is outstanding. MNT Bank denied an initial investigation uncovering the remaining funds and claiming not having support from XXXX XXXX to conclude the investigation. We are currently fighting to retrieve over {$35000.00} and missing unauthorized debited funds spoke with XXXX XXXX, and they are not able to launch any investigation as we are not the account owners that the credits went into, the financial institutions to try to get a resolution
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 items ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (SC)

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, MO CHILD SUPPORT ENFORCEMENT SYSTEMS ***** XXXX, XXXX 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 instructions.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018 my bill for XXXX dollars was reported as a late payment. 
I had reported to the bank that I was moving out of state from XXXX  to XXXX  to a complete new address but they never changed it in their system and did not notify me of the bill until it was too late. 
I paid off the bill as soon as I realized I owed it but they still unfairly reported the issue as a 30 day late payment and today this is still affecting my credit score and ability to pursue new credit. 
I've contacted the bank to resolve the issue but they are not willing to look into it unless a dispute is filed
Consumer complaint received 2023-07-10
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX/DEPT OF ED Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/2023 I attempted to withdrawal {$200.00} out of my checking account. The ATM froze while showing your cash is dispensing on the screen. I filed a dispute and on XX/XX/XXXX Arvest bank gave me the {$200.00} back in my account. On XX/XX/2023 Arvest bank took the {$200.00} back out of my account. Their reason was, following the investigation the ATM audit came back as if the money did in fact dispense. But it did not. So I filed a police report with the XXXX Arkansas police department regarding this mishap because I can not request video footage showing that I did not get the money from the ATM. So I figured the police department could. But as of today, nothing has happened. And I can not file another dispute unless I have more evidence to support me.
Consumer complaint received 2023-07-11
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: United Collection Bureau, Inc. (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Snap Recovery, Inc. (IA)

Out of nowhere, I received an email and several texts saying a debt collector is trying to reach me from a former employer. They are texting and call my mom as well. I have received no written substance from them just emails and texts. The email has a very generic pdf attachment with my name on it and my former employer. I have no idea what this is for. I sent a certified debt verification letter and he emailed me. Saying I obviously received his letter and it includes everything. I responded telling him to read the letter. I have no idea who this is or what it's for. It's something called Snap Recovery.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$560.00}
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.
Consumer complaint received 2023-09-21
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: Affirm Holdings, Inc (CA)

I'm victim of multiple identity thefts. Recently I discovered more credit inquires I don't recognize from XXXX credit report. The inquiry records shows AFFIRM did inquiry on XX/XX/2023. I called AFFIRM and talked with a representative for fraud. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I requested that the company provides me copies of business records relating to the fraudulent credit application that used my name. However, the representative indicated that they can't provide any copy of fraudulent loan application although they have a record. A copy of fraudulent application is an essential part of law enforcement investigation.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a request to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. I need you to correct the accounts listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX I got a money order in amount of XXXX to pay my rent to XXXX XXXX of XXXX XXXX XXXX both belonged to same bank. 
In a worn out state of XXXX back to back XXXX hour shifts in XXXX unit ; I filled out money order but without thinking turned around signed name on back. 

I gave to landlord I said if they don't accept I can meet you there. He said I'll just add your name to front ; that way both names both signed it says rent they know I have rentals. 

They wouldn't accept. They said I would have to cash or deposit give him the money because I signed as if mine. 

It was after banking hours and now rent 3 days late it was due, I paid a day or that day but after XXXX, do to double shifts. he went to bank and he didn't make it to give to me until next day, so I said I'll just deposit in ATM I can give you XXXX right away because I had some money in account and the electric wasn't due to withdrawal for 3 days so by then this money order would clear to cover difference and they allowed you access to XXXX out of deposit over XXXX. He said ok. This was at the same banks atm. The only banj that actually had access to atm because they got my card out for me when it ate it because I forgot it in there. 

Well they got me with overdraft fees bounced check for electric put hold for fraud on account and would not return my money order nor give me a copy of it so I could call money order company tell them and get it replaced because I lost receipt. Without receipt or id number from money order there was nothing company could do. 

I lost XXXX had XXXX in fees couldn't pay electric because froze account. I then had to come up with another XXXX. I was month behind on all my bills because of this and never able to catch up. I had to break lease due payment plan with cable electric and phone and gas after I left and got judgement against me for being month behind and breaking lease which was XXXX. It affected my credit and ability to get another bank account for awhile. I tried up until beginning of XXXX to try to resolve. Nice XXXX gentleman tried to help but seems they for some reason had no copy of money order but all the fees penalties from stating it was fraud. 

It's still upsets me it affected my entire life my credit, being in collections, being labeled as fraud account, not able to get utilities in my name for 3 years until I was able to pay it all, and lost apartment and reputation. They were rude and kind of mean treated me like criminal.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MN)

I lost my job in XX/XX/XXXX. I have been seeking work befitting my qualifications and experience as a XXXX XXXX XXXX. I applied for Mortgage Forbearance through Truist Bank. I was granted XXXX for XXXX, XXXX and XXXX. I was current on my mortgage payments. I made the payment for the month of XX/XX/XXXX. I have missed XXXX and XX/XX/XXXX. 

Since I had yet to secure a job, I applied again for Forbearance in the middle of XX/XX/XXXX. My credit score was XXXX in the month of XX/XX/XXXX. It was my understanding from all sources of research, including the CFPB website, that if one was current as of the time Forbearance was granted, one could not be subsequently be declared Delinquent, as in fact, the mortgage should still be considered current. 

Imagine my surprise to learn that Truist had declared me Delinquent and crashed my credit score by XXXX points. I have notified Truist that they can not wreck a credit that I had been painstakingly building for years. They keep lying to me that they could report me as delinquent to Credit Reporting Agencies. This is just not right. This would lead to a perverse outcome where somebody who is struggling would find it even harder to get back on their feet, due to wrecked credit!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX this account was settled with the creditor. The account has been reported to the CRAs for the last two months and the company is aware of the settlement to correct this account and have mentioned that it is settled in correspondence with me. They have also quoted FRCA regulations for their reporting. My issue is that while quoting the FRCA regulations, they are reporting the balance as well as are reporting monthly on a settled account. If the company is going to claim the regulations, then they should actually be following those regulations.
Consumer complaint received 2023-06-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-03-09
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: LEXISNEXIS (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I opened a credit card on XXXX XX/XX/2023 when I was at the XXXX XXXX store. They ended my billing cycle on XXXX XX/XX/2023 and apparently sent me a statement with a due date of XXXX XX/XX/2023. I had signed up for electronic statements but did not receive any. Since I was not aware that the due date would come up so quickly and I didn't get an electronic statement even though I had signed up for it, I didn't make the payment on XXXX XXXX and I was levied a fine. I called up the credit card and they said that the billing cycle end date is assigned " randomly ''. But I am not sure this is true. Why would the billing cycle end the next day after I open the credit card? I believe this is done by the bank to collect late fees. Additionally, I didn't receive any statements either. 
For me to make my first purchase using a provisional credit card on XXXX XXXX and for the bank to create a due date on that purchase based on a billing cycle that ends the next day is causing undue hardship. I don't believe I even received my permanent credit card to replace my provisional paper card by the date the payment was due. 
I would request the government to look into billing practices of Synchrony Bank to see if they assign billing cycle end dates for all customers the date after they open a store credit card so that the due payment comes up quickly and they can charge a late fee. 
Regards XXXX