davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Have had business and personal checking and saving accounts with Bank of America for over 5 years. On, or about, XX/XX/XXXX, I deposited a {$3000.00} check made out to my corporation via the mobile app. I was informed there would be a 5 day hold and the funds would be available XXXXXXXX XXXX Friday morning, XX/XX/XXXX. On Thursday XX/XX/XXXX, my business accounts were closed with no advance notice and I was provided no reason. I was told it was a " confidential business decision ''. I was told the closing procedure would take until XX/XX/XXXX, and I would be mailed a check for any remaining funds approximately XX/XX/XXXX. ( my remaining balance in checking should have been {$3000.00}. I received a check from the bank dated XX/XX/XXXX for {$49.00} ( {$3000.00} short ) When i contacted bank they said that was the balance. When I asked about my {$3000.00} deposit, I was told they could not verify those funds. 
I have spoke with several people in customer service who claim to note the account and " look into it '' It has been several weeks now, and I get nothing but a " run around ''. I took it upon myself to contact the maker of the check and was informed the check was paid to Bank of America the last week of XXXX! 
There is also a balance of {$210.00} remaining in a business savings account. To date, this amount has not been refunded either. 
I dont seem to be able to get anywhere with anyone at the bank. I have no idea how to proceed further
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Acct # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2023-06-07
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (NY)

We paid our monthly lease payment and received copy of cancelled check. Hyundai claims we did not make the payment, and are delinquent which had resulted in my credit rating going down XXXX pts. We have contacted Hyundai Finance on at least 10 occasions of which 5 times we were hung up on because the untrained employee couldnt figure out that Hyundai made the mistake. Not only will I never purchase a Hyundai vehicle again but my next step is a lawsuit!!!
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

My loan was transferred to Flagstar Bank. First they did not pay my tax bill. It took several calls for this to be resolved. My first payment I attempted to make online had two numbers from my account transposed. When the payment failed they contacted me and I made it immediately over the phone. I have received my   XXXX   statement and I am being charged {$25.00} Total fees ( including late fees ) The rep explained it was for an NSF. When I explained what had happened and that there was NEVER AN NSF she said she would send a request for review. The case number given is  XXXX . The reps name is  XXXX  and I talked to her on  XXXX . XXXX .17 at  XXXX .
Consumer complaint received 2023-01-10
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-10
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: Global Lending Services LLC (GA)

To Whom It May Concern : This is not a third party complaint Be it known that I, XXXX XXXX, am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my ( XXXX, XXXX, or XXXX ) credit report, I noticed unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me.

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; GLOBAL LENDING SERVICES LLC is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), GLOBAL LENDING SERVICES LLC has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), { CREDITOR NAME } may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately from all credit reporting agencies. Late payments XXXX XXXX and XX/XX/2022 Additionally, notice is hereby given, I, the consumer in fact, effective immediately, XXXX XXXX XXXX, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).

Failure to respond satisfactorily with corrections and/or deletion on the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ), and 2. Negligent Enablement of Identity Theft, and 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Once these violations have been deleted please send me written verification of each action item along with a free copy of my report showing the removal has been completed. 


Best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc. (AZ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (KY)

Again, I requested validation of the debt and the amount owed and the did not respond. They also sell off the debt to other collection companies. They try collect obscene amounts and refuse to answer what I request. They threaten and violate privacy by calling my mother and robo calling stating collection of debt. They violate 15 USC 1681abd 1692 over and over again.
Consumer complaint received 2023-01-10
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : 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.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

After checking my Equifax and XXXX reports, it shows that i have a XXXXXXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After checking my XXXX and XXXX reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I have an Amex card and it is showing that I overpaid by - {$4300.00} in my 2022 yearly summary. In each monthly statement, it also shows that I have nearly always made my payments. Yet, the payment shows I owe {$3900.00}. But I have a credit in my yearly summary for 2022. The credited amount was not applied to my payments and what I owe and I was never informed about it. When I asked customer service and talked to a manager, they insisted the balance is correct. Yet, they did not answer what can be done with a credited amount -where I overpaid. They said that the balance is right and that I still need to make my payment on XX/XX/XXXX. Even when I overpaid in 2022 over {$4000.00}! Amex has duplicitous practices. This should be unlawful - first making people overpay and not informing them about it and then still asking for more payments.
Consumer complaint received 2023-01-09
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. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-06-07
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX 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 2023-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (TN)

I went to XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX was the first due date for my medical bill, but it seemed like XXXX XXXX in XXXX XXXX was charging way too much, so I called them to ask for an itemized bill. I had to call them multiple times to try to get an itemized bill with billing codes. During this time, they told me to disregard any due dates until they resolved the matter. I received a bill with billing codes, and they were charging me for an extended visit of XXXX hours when I was only able to see the nurse and doctor for less than 10 minutes before they told me that I would need to go to the ER. On XX/XX/XXXX, I received a collection notice from KLS Financial Services , Inc. for the bill that I was disputing. On the same day, I called XXXX XXXX about the collection letter and they said that they would send the matter to management to try to get a resolution. On XX/XX/XXXX, I called XXXX XXXX again to see if they had resolved the matter, which they had not, so they said they would send it back up to management with a note that I had called again.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I tried to transfer {$300.00} out of my chase savings account to a XXXX savings account. I had requested to close the Chase savings account after I tried to transfer. When the transfer happened a little bit before XX/XX/XXXX, the chase account closed around XX/XX/XXXX and then my transfer stopped to my XXXX savings account. The money was reversed and bounced back to Chase, but now I dont know where the money is. Ive been trying to open the account so I can see if the money will show up in the account.
Consumer complaint received 2023-01-10
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.