davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

I opened a platinum money market account XX/XX/2019 in response to a promotional offering from BMO Harris that I would receive a {$100.00} incentive 150 days after account opening. I met the terms of the promotion, which BMO Harris confirmed, but is has been greater than 150 days. I have not received the {$100.00} incentive and BMO Harris has not responded to 2 inquiries from me via my online account portal.
Consumer complaint received 2020-01-17
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. (OH)

Hello I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Yesterday we deposited 2 checks in the ATM machine, there was no hold on the receipt.

Today I checked my account and discovered that the 2 checks are in hold until XX/XX/XXXX, because one of the checks amount was entered wrong. So they adjusted the amount and held both checks.

Called them to get my funds earlier with no luck.

We are self employed and fighting to pay bills and employees on time and its so frustrating that because of a stupid ATM error we wont have money to pay bills and my employees which also have his bills to pay. Been a good costumer, never had a check bounce, those checks are from old costumers so its known to them and I had bigger amount deposited before that didnt hold. 
So its clearly a ATM error! Talked to the manager and nothing could be done. I asked to release at least the check that was deposited in the corrected amount and she implied that once its in hold theres nothing to do.

I really think this system should work better. What is the point in being good costumer and loyalty if they dont care about your needs.

Im definitely switching to local bank. Im done with Bank of America after 20 years!
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (MD)

I refinance my house and decided to pay off a few high interest loans one of them was the company XXXX that I used during my divorce in 2020. The mortgage company or perhaps the escrow company or maybe the title company admitted to a mistake on my payoff. They paid off my credit card with XXXX instead. It took me a few days to discover the error. Once I discovered the error everyone was off for the holiday. So I took additional time to get a response. They said their hands were tied and they could not move the money back from XXXX to XXXX  and admitted their mistake. I had to get a cash out check that cost me {$390.00} to send to XXXX  to pay off them. Now my credit card is maxed out and Im going to be charged 10.9 % interest and it will take me 17 years and over {$15000.00} in interest to pay off their mistake. I spoke with them several times over email and telephone. They sent me a small check of {$260.00} to cover my expenses but the expenses are now {$300.00} more not to mention the {$17000.00} it will cost me to pay this off as it shouldve been paid off when I refinance my house through Veterans United.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (WA)

My name is XXXX XXXX. This last year my wife and I opened up loan requests to refinance our home. My wife did have a bankruptcy XX/XX/XXXX and foreclosure XX/XX/XXXX and I brought this information to light from the very beginning with Keybank. I told our loan officer XXXX with Keybank in emails that we were not to move forward with any part of the loan if our information and those important dates withheld us from closing shortly and he confirmed via email it was not a problem. Paired with this problem was Keybanks title department XXXX who chose to pursue employment information I had not listed as primary althewhile not including the employment information I had provided as primary. This resulted in our first denial. After getting them to the proper information and at this point we qualify via credit and all other requirements and are anticipating closing documents. Keybank sends us a denial saying my wife 's previously mentioned foreclosure meant we must wait until XX/XX/XXXX for close. So XXXX of Keybank said we will revisit this next XX/XX/XXXX. 

I find so many part of how this situation being handled as misleading and misrepresenting. If Keybank had said our dates and information were a problem we would never ordered appraisal or signed disclosures with locked rates with Keybank. We could have been working with other banks or keybank to lock in a nice rate in  XX/XX/XXXX for a late XX/XX/XXXX close. I believe Keybank is potentially responsible for me enduring a much higher refinance loan as a result of their delays. Their misleading actions will cost me additional months of pmi costs as well. Multiple loan agencies including XXXX, XXXX XXXX, XXXX XXXX I have spoken to are now offering to have all of these things set in place for us by lateXX/XX/XXXX early XX/XX/XXXX. I also requested Keyank to provide this for me and they have not provided anything or any response. I have all emails pertaining to these topics. I am contacting you because I have requested Keybank to simply refund my XXXX  appraisal expenses as a result of their actions and to move forward with another company. Keybank has not responded and it has been over a week now.
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: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, Equifax and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, XXXX AND XXXX BUT STILLAPPEARS ON EQUIFAX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX INDUSTRIAL BV, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

INCORRECT EMPLOYER ( REMOVE ) : XXXX XXXX XXXXXXXX AND XXXX XXXX 15 U.S. Code 1681e - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions. 
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed a few items on my credit report that were not mine I filed my police report and sent in my dispute letters on XXXX XXXX as the police department told me to when my report was approved and transunion removed the account on XXXX XXXX and then on XX/XX/2024 the account was added back on. I tried to contact the company XXXX XXXX XXXX myself telling them that this account on my credit report is identity theft and fraud because it was not me and gave them my police report number and they mailed me a latter stating they couldnt confirm my claim of identity theft even after I gave them my police report number. I feel hopeless and dont know what else to do. This item on my credit report is hindering my identity, my life, and my credit.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, XXXX, and Experian. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

My auto loan with Navy Federal Credit Union ( NFCU ) was opened on XX/XX/2018. 
Upon review of my credit report I discovered that NFCU was reporting my loan as being paid 30 days late around XXXX 2018. 
I receive SSDI and am paid direct deposit into NFCU no later than the XXXX and every month call them personally so that I can access my pending deposit into my account a day early. They require that any payments owed to them such as my monthly mortgage payment and auto loan be paid in full and made current to do so. At that time, I authorize NFCU to pay those accounts by the representative I am talking to and then I can access my account. 
Despite a lawsuit against NFCU, they continue to limit access to my account when I am overdrawn or a payment is past due. I am redirected to what they call my delinquent account page which is a white screen and limited access to view my accounts. Every single month its the same thing despite being able to look at my account to understand I am paid once a month and have always brought my accounts current. 
I contacted NFCU several times regarding this late payment and am told that I have access to the exact same information they behave and XXXX 2018 is too old to access certain details. I was request to speak with an account rep was denied on my last call. While reviewing my account information I discovered transactions that were confusing in addition to a late fee that is assessed every month and added to my auto loan balance despite that loan being paid usually within what is commonly known as a grace period although it is difficult to find such information on their website. 
At no time over the course of 1 year was I ever informed of a 30 day late payment although I did have that loan adjusted at some point to a lower interest rate and payment because of financial hardship and having excessive medical bills and issues with my spouses health. Currently my account status on my auto loan is current and I have not made a double payment to account for any payments not being made because I would know given my limited XXXX income. If there was a mistake in making the payment then the burden is with NFCU because they are the ones handling the account and the payments at the same time my pending funds are released. 
I also question my escrow account and my FHA mortgage serviced by them. My escrow account was reduced because of Homestead and my property taxes went from {$770.00} annually to {$100.00} annually yet my refund was for only {$210.00}? Taxes were escrowed when I closed in XX/XX/2018 for the {$770.00} tax bill due XX/XX/2018. It was explained that they had to escrow for the lower amount also but should they not have much more in escrow pre-paids as well? No one has answered my concerns despite inquiring twice about this.
Consumer complaint received 2023-01-18
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. (NY)

account : XXXX XXXXXXXX # XXXX account : XXXX XXXXXXXX # 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 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 2023-01-18
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. (NY)

account : XXXX XXXXXXXX # XXXX account : XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX 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 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-01-18
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. (VA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

We started a loan modification XX/XX/XXXX. The person helping us is XXXX XXXX from Bayview which I think is a collection agency. First, I have submitted the documents 3 times and have been given 3 different reasons why My documents have not been reviewed and I missed the deadline and had to resubmit. I was never called about missing documents and every time I called XXXX XXXX he would say they were working on it and call back in a week. He also told me I had to be 4 months behind before I could apply which I was not comfortable with. Another collector called me in XX/XX/XXXX asking for a payment and I made a payment. Me XXXX said since I made a payment I had to wait another month which meant a total resubmit of all documents. I told him I was in fear of losing my Home he assured me that would not happen. I wanted to just forget about the modification and ask him how I could catch up. He told me I had to pay {$4500.00} them {$1800.00} a month which is approx {$500.00} more than my payment. I was stuck I had no choice but to resubmit for the 3rd time. I didnt have {$4500.00}. Them today I received a secure email from XXXX XXXX but it was meant for another person with MY documents attached. 
I can forward this email to you. This may be why I have never received any email, text or phone call that I had missing documents. He has already shared personal financial information to me from another person, I dont feel secure with him or this Company but if I stop now my Home will go into forclosure. I have contacted XXXX XXXX with XXXX and she has submitted my documents for the third time but now because of XXXX XXXX and Bayview I am 4 months in arrears and could lose my home. I feel like he is purposely doing this to get my home because I ha e equity in it or he just does not k ow how to do his job. I am very concerned about losing my Home because of these issues caused by XXXX XXXX. All calls are Recorded so this can all be verified
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-18
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-18
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. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: ID Analytics, Inc. (MD)

XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
Consumer complaint received 2023-01-18
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. (MI)

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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