davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/XXXX, I deposited a check for {$11000.00}. Bank of America said it would hold the check funds until XX/XX/30. On the XXXX my XXXX deposited and on the XXXX my XXXX deposited, totaling about {$3000.00}. I electronically paid some bills on Saturday, then went to the pharmacy to have my debit card declined. I called BOA and they said my account was set to be closed and they would mail me a check on the XXXX. On the XXXX, no check yet so I called. They said it wasn't yet cleared, they needed to confirm the money was mine, but they should finish on the XXXX or XXXX. On the XXXX it still wasn't closed and they told me it would be the XXXX. Then it was the XXXX, then the XXXX, then the XXXX, and now it's set for the XXXX. They have been holding my money for a whole month! How do they expect me to eat? I can't pay for my medications, bills, insurance, nothing. My bad credit score has gone even lower for unpaid bills. Note that the {$11000.00} check originated from my XXXX and was earmarked to pay for some home repairs. I presented the check stubs to show they had come from another bank in my name to show it was my money. BOA moved {$1000.00} to my Merrill Lynch account which caused overdrafts to happen, but they didn't charge me, just sent the electronic transfer back as an overdraft. There are several account movements after I was able to do anything in the account. The other strange thing is I am unable to get an account statement from Merrill Lynch, just get that my account is locked. I called them several times and all they could do is read off my transactions to me, they would not email or mail the statement to me. I tried to open a new bank account but they advised me that as long as BOA keeps my account frozen and in limbo, I won't be able to open an account anywhere. I had another bank account with XXXX, but they closed it as soon as I tried to use it, presumably due the the issues with BOA. I have reported this to the OCC, but the guy investigating it, XXXX at BOA, phone number XXXX ext XXXX will not return my calls. The closest branch manager at BOA XXXX XXXX, XXXX, XXXX XXXX, is not returning my calls either. I have been in that branch twice and the XXXX, XXXX branch. I have called and called, the only number that will take my calls will not forward my calls to the proper department. They will only advise me of new closing dates. I have demanded that my account be closed, but with it " under investigation '' they will not close it. How hard is it to call the check issuing bank and ask if the money was actually mine? Does it take a full month? I don't think so. Please help me. My friends have helped to the best of their ability, but they can't support me for much longer. A few XXXX dollars gets me basic groceries and a bit of gas. Please help!
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

I had an issue with the my paycheck feature that allows you to borrow what you have already earned before your paycheck hits. I have used the service for 3 months and now it says I didnt receive my direct deposit into the system, which I did and it is cleared through the bank, and it isnt allowing me to use the feature. When I call they say Im over the limit of amount to borrow but I have not borrowed anything. Nobody can fix the issue, they continue to push me off saying it cant be fixed. I will be going to a different and more reliable banking system
Consumer complaint received 2019-01-30
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. (PA)

I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. XXXX, Transunion, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AR)

My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as DEPT OF EDXXXX and the other is MOHELA/DEPT OF ED. XXXX is the current processor of the loan.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (FL)

I have been the victim of identity theft. I have tried numerous times to get this Collection from XXXX XXXX XXXX removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from Genesis FS Card Services/Indigo Mastercard which I have attached here indicating that I am not liable for this debt. XXXX insists that it is a different account number. I contacted Genesis, they advised me that it is in fact the same account and that they requested a buy back from XXXX of XX/XX/2023 and XXXX has not responded. I have been a victim of a crime and XXXX XXXX refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.
Consumer complaint received 2019-01-30
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. (FL)

I am formally writing this letter of complaint to you in regard to Experian Credit Bureau. 

Experian has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX  ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Experian in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Experians failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Experian Credit Bureau.

Thank you.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

On XX/XX/23 at approximately XXXXXXXX XXXX I was contacted by someone stating they were a Citibank representative calling about suspicious activity with my debit card ( an Office Depot charge for {$1000.00} ). The number that called me was a XXXX number that matched the citi fraud phone number. They had all of my banking information but asked me to verify a few things for them. They also told me my XXXX was compromised and that {$15000.00} worth of transactions had been made through my account. At that point they said the bank was crediting me this {$15000.00} in order to cover the XXXX transactions but I would have to XXXX the money in order to cancel the fraudulent transactions. When I checked my account there was a citi credit for XXXX that I assumed was put there by the bank. I was told to XXXX various amounts that added up to this XXXX. I was told I was XXXX the citi bank supervisor ( XXXX XXXX ). 

Once the call was done, I contacted Citi to confirm it was actually the bank I was speaking to. I then found out there was no record of anything that just happened. In fact, someone had called Citi pretending to be me to take out a personal loan for XXXXXXXX XXXX  as well as open two additional checking accounts in my name.

I disputed everything that same day and froze my accounts.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came today XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX senior on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow $ XXXX.At that point I informed him that I have a XXXX XXXX and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I opened my TD bank beyond checking account on XX/XX/XXXX as a new customer as there was a cash promotion for new customers. 

The term was to earn {$300.00} if I have {$2500.00} in qualifying direct deposits within 60 days of account open. Minimum {$5000.00} had to be maintained in order to have the maintanace fee waived. So I deposited {$2500.00} twice and kept it for 6 months. 

However, my cash bonus never came through and when I called the TD bank representatives twice in XX/XX/XXXX, they were all saying that I didnt sign up using the correct online promotion link, but through the direct mail site. 

I never used a promo code from a direct mail and couldnt believe that they didnt make up to what they have promised although I followed all the prerequisites. 

I was also told that I am forever ineligible to receive any promotions from TD bank as I will never be a new customer now. 

I tried calling the XXXX ( promotional dept provided by the bank teller ), but, of course, they never called me back despite I left multiple voicemails. Is this some sort of scam to use my money and information for some other purpose? Obviously, TD bank is not responding to me and avoiding me. 

I am deeply disappointed and concerned that major bank like TD bank can be so unethical to their new customer. I wanted to make sure and report their misbehavior so that no other customers get affected by their false promotions.
Consumer complaint received 2023-03-09
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: Bread Financial Holdings, Inc. (GA)

Stopped by XXXX XXXX XX/XX/22 purchased a ring, opening up an account with Comenity Bank, was given 3 option to finance. I chose the 6mos same as cash option with the understanding that it was no cash as lobby as I pay it off within 6 months I won't have any interest. I received my card a month later and tried to set up an account online but couldn't, it didn't recognize my social security number so I figured I'd give it some time since I had 6 months anyway. Didn't have a phone for a few months but when I got one I received threatening phone calls from comenity bank reps. So, I look at my credit report and they gave marked me delinquent XX/XX/22, XX/XX/22, XX/XX/22 & XX/XX/22. That is not accurate and I would like that fixed and my late fees refunded. I pay my bills on time and don't appreciate this treatment.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 168. XXXX # XXXX, XXXX XXXX # XXXX # XXXXXXXX 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 XXXXXXXX, 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 consumer reporting agency can not furnish your 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 items of information, other than records of conventions 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian will not review inaccurate address from account. I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

XXXX XXXX XXXX appears to be engaging in unsolicited advertising, resulting in multiple violations of the Do Not Call registry. I did not contact them, have no business relationship with them and do not desire their calls. Despite this they keep calling my prepaid cell phone twice daily from a number not listed on their website and unverifiable as them leaving voicemails each time, with contact numbers also not verifiable as being them.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

I applied for a personal loan at One Main Financial that I learned about through XXXX XXXX on XX/XX/21. I learned I was approved for {$3000.00} more than the {$9000.00} I requested. The interest rate on XXXX XXXX 's page listed this particular loan at 16.97 %. There were many other loans offered by One Main and other companies. I was contacted by the local branch in XXXX the following morning and I was informed by the office manager " XXXX '' that the rate was 23 %. She stated she was not aware that One Main ever offered a loan at 16.97 %. I felt like it was not a misunderstanding or honest mistake. She offered the explanation that XXXX XXXX may have misrepresented the terms of the loan. I explained that I was looking at the information and terms on XXXX XXXX 's site and One Main did not even list the interest rate at 23 %. They actually did not have the rate listed anywhere other than on XXXX XXXX 's page at 16.97 %.. Again I believed it was intentional and if they were interested in having me know the full terms of the loan they would have included the information when XXXX XXXX sent me to their page to complete the application. I applied with the understanding that the loan would be at 16.97 %. There were several offers on the same page less than 23 %. I would not have One Main check my credit and have to deal with a derogatory mark on my credit for a 23 % personal loan. After not getting any satisfaction at the local branch and being refused the contact information for a supervisor above " XXXX '' I was given a ( XXXX ) XXXX phone number that served no assistance and I am currently waiting for a manger to call me back because the " two '' of them are in a meeting. I sent a screenshot to XXXX at the XXXX branch to show her the rate listed is in fact 16.97 %.
Consumer complaint received 2017-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (IN)

This is the second time that I have submitted an online payment through XXXX XXXX XXXX 's online web servicing and it has not been processed properly. Each time, I enter the system, enter my payment information using a check and am given confirmation that my payment has been submitted and processed. This confirmation is given through verification of information, a confirmation number at the end of the submission, and a paper letter in the mail notifying of the payment processing. In this case, I submitted my payment for XX/XX/XXXX and received all of the above. I went into the system to make my XX/XX/XXXX payment and was notified that my mortgage was 30+ days late. When looking at my loan history, it shows that the payment I made was reversed three days after my  submission, however, I was neither notified by phone, email, or the system. When I called, they told me that I " must have made an error '' entering my information. When asked how it would take my payment information if it was inaccurate I got no response. When asked how and why I got confirmation numbers, they could not respond. This is the SECOND time that this has happened to me -- the first time they gave me a " grace '' and removed the late payment. Their customer service is well below par and service employees continue to " pass the buck '' and say that there is nothing they can do. I 'm frustrated that I can not trust the process that I 'm supposed to use to make payments and know that I am not the only person they are blaming a poor payment processing system on by charging late fees and negative credit reporting. This is not a way to protect customers who are trying to make their payments on-time -- taking several days to " reverse '' payments without notification.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I just recently had a debt of {$400.00} pleased from XXXX  XXXX I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the Equifax breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.