davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19 just after XXXX XXXX. I made a personal check deposit for {$1000.00} at a BoFA Branch ATM which is the same branch i do most of my deposits and withdrawals from. 

I completed the check deposit. I received a receipt that stated the amount had a temporary hold. In the past I have cashed 1 check from the same person at the same banking institution/account for {$250.00} about 3 - 4 months ago - BOFA put a ten day hold on that check then as well never allowing me to pull funds from the check until a full 10 business day had past. 

My account at the time then and now is not a NEW account. I am well aware of most of the regulations and subsections in Federal Regulation CC that permits a bank to put up a 9 day hold on check deposit - my account is not " NEW ''. 

I tried to resolve this issue the following day XX/XX/19 @ XXXX XXXX PST by calling BoFA directly from the app on my XXXX  phone. I waited forever in line and then was connected to XXXX who was working out of a BoFA Call Center located in XXXX XXXX. 

The entire call lasted 13 mins and 29 seconds. I explained my situation to XXXX. 
I then asked for legal reasoning or backing for holding my check for 10 business days. 
I explained that i never received any information that appropriately explained why there was a 10 day hold. I made him aware this was the second time a 10 day hold was being placed on a check i needed cleared because it was a loan and needed to be able to feed my kids. 

XXXX informed during the conversation that the bank was acting within it's right legally to withhold the check and make none of the funds available PER Federal Regulation CC, he could not however state which section or subsection applied to me specifically and or how the bank planned on defending this type of complaint. 

I made him well aware i was going to submit a complaint to the CFPB for unlawfully holding a check that was deposited for emergency funding. As of right now i have {$0.00} in my bank, i have no money for food and Bank of America has chosen to make getting the money i need desperately a very difficult thing. 

I made sure that i READ through most if not all of the Federal Regulation CC Section 229 which is specific to Banks and Deposits and the laws Congress passed to made funds available to the consumer in a reasonable period of time. 

Section 229.10 & Section 229.12 of Federal Regulation CC are specific to this case. 

The fact that BoFA can not ACCURATELY tell me when i call WHY my money is being held and then states an entire federal regulation code as the banks backing for illegally placing a 10 day hold on the funds. 

I have seen that at a minimum BoFA needs to make certain amounts available in increments as bank business days pass after the check has been deposited. 

End result - There is no backing for what they are doing. please assist.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

In XXXX, XXXX,XX/XX/XXXXXXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XX/XX/XXXXand XXXX XXXX  ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XX/XX/XXXX, they appeared on my credit reports. 
I contacted XXXX, Equifax, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, Equifax, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XXXX XXXX and XXXX  XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, Equifax and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX  XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted XXXX, XXXX, Trans Union in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, Trans Union. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, XXXX and Trans Union {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WI)

Did the transaction ( s ) in question ever have a processing period? Was that processing period the transaction ( s ) pending that are in question? Each time were they totaling more than what was my available balance? How were they able to get the amount that the company Cashapp recovered? Who gave them any amount of the complete total that wouldnt complete the transaction and guarantee a product be shipped to me if they did not receive the entire payment required to complete the transaction to their standards of doing business with anyone.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County (TX)

Collection Center-Wyoming is attempting to collect a Debt on behalf of XXXX XXXX XXXX on two separate balances. The first was opened/posted XX/XX/XXXX for the amount of {$200.00} and the second was opened/posted XX/XX/XXXX in the amount of {$140.00}. I am contesting these charges because I believe these to be fraudulent, between XX/XX/XXXX and XX/XX/XXXX I had not lived or visited Colorado for any amount of time. I have attempted to contact the company in question, but they stated that I would need to pay the debt in full and provide documentation.
Consumer complaint received 2022-05-25
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. (SC)

XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-05-25
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: EQUIFAX, INC. (NY)

I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.
Consumer complaint received 2024-03-11
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. (DE)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-29
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 (NY)

TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (DE)

On XX/XX/2023 I made a online purchase at XXXX it never arrived. I contacted my debit card and disputed it since I never received my items. They denied my claim I asked for the documents that decided this and was sent the transaction information nothing on the investigation on why my claim was denied. I've requested a refund from the online company and have several emails from them. The first saying I needed to pay them {$15.00} more dollars. Others saying they will give me a 40 % refund. The last one was last night saying my order is still on hold and they can offer 70 % refund. I've sent the emails to cash app to prove this is a scam and they are trying to get more from me and to please refund my money. I keep getting denied and don't know why and even hung up on me when I asked to be put thru to a supervisor.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of check fraud of {$1000.00} on XX/XX/XXXX. I had remote deposited the check in my savings account. When I realized that it was fraud, I went down to my branch to notify them. I never spent the money. I was told that if it happens again, my accounts will be closed. Meanwhile, both my savings and checking accounts were on hold and I had no access to my money. Both accounts were closed on XX/XX/XXXX. I had {$1300.00} in my checking account. I received a check from Chase for only {$440.00} on XX/XX/XXXX. I called the number XXXX on XX/XX/XXXX and was told that the check for {$900.00} must have been lost in the mail and another check was requested. Never received check. Called again on XX/XX/XXXX and was told a check was never issued for {$900.00} and that there were XXXX - {$300.00} checks holding up payment. The CR could not find any deposit for those XXXX checks and said he would request another check for {$900.00} be mailed. Never received a check. Called again on XX/XX/XXXX and was told a request for the {$900.00} was refused because the XXXX checks couldn't be verified. I was finally told which XXXX checks they were referring to and was able to get them verified. Was told a check would again be requested. Today is XX/XX/XXXX and still have not received my money. I have been without my money for XXXX  months!
Consumer complaint received 2019-06-18
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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (AL)

I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX. 

Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into this.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : 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, is erroneous as no judgment was made, and no trial occurred. Furthermore, I have identified fraudulent activity related to identity theft with the account XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (MA)

Cash app square by XXXXXXXX XXXX Date XX/XX/XXXX Amount {$300.00} Date XX/XX/XXXX Amount {$710.00} Date XX/XX/XXXX Amount {$65.00} It is a regular routine to cash app where these amount were taking out my account and cash app square customer service never took action or even help me recovery these funds. Thy have been violated my rights and my account not safe with them.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XX/XX/XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-05-25
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)

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NM)

Credit Acceptance accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.