davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

In XXXX, XXXX  I reported to Union bank number of unauthorized transactions totaling {$5800.00} that have posted to my card ending in XXXX. 

On XX/XX/2022 the Union Bank denied my claim using the regulation E and stating that I was negligent in promptly notifying them and imposed liability on me in the amount of {$5700.00} honoring only {$110.00} to conclude the claim. 

I am appealed that the bank would use such a lame excuse in order to deny consumer protection that is guaranteed by the law. 

The regulation E makes it clear that the consumer is entitled to receive protection under regulation E even in consumer acted negligently.

The financial institution did not consider all the relevant information regarding the protection.

Regulation E takes into consideration extension of time limits due to extenuating situations.

In the past six months I have had to travel overseas for four weeks at the time to take care of a terminally ill father in law. I was absent from the country for many, many weeks.

I have communicated about my position to two different banking representatives and explained that since I was out of the country for very prolonged blocks of time I may have not acted by the books, and that I did not discover some of these unauthorized transaction on time. The larger debits that amounted to over {$5000.00} were reported within the 60 day time limit. The bank did not consider any of these facts when creating greater liability on me then premiered by the law. The bank representatives kept stating that I am not protected and were not introduced in hearing about the hardships that I was facing with extended travel and terminal illness of my close family member.

I am asking the CFPB to investigate and provide me with the protection that is guaranteed to me by the law. 
XX/XX/XXXX number of transaction with union bank reported them as soon as i seem them. XXXX union back denied the claim they only covered {$100.00} and the rest I'm just out all that money. I tried another time to get them to cover and no success.
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

I received an official debt collection letter from " The CBE Group, Inc '' address XXXX XXXX  XXXX, XXXX, IA XXXX. It states that I owe {$45.00} for account # XXXX to a company named, " XXXX XXXX '' dated XX/XX/21. 
I have no knowledge of this debt or the named company. I have no intention to pay this alleged debt.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I received a several emails from Bank of America concerning a bank account that was opened under my name. I call them within minutes to find out more information about it and to report this fraudulent activity. The associate at BoA was able to flag the operation but was unable to provide a written confirmation nor a descriptions of the actions taken. 

I requested for any information about the origin of the fraud but was denied to obtain it. I asked about how could someone could open an account with BoA and was told that the account was opened online. I informed the associate that I have an Active Freeze on my Credit Report and asked how come someone could open and account online with BoA if I have a Credit Freeze. The answer was that BoA web services do check on Credit Freeze status. 

I demanded why I was being denied access to any information about the fraudulent activity such as emailed used, location, time, etc abut the thug impersonating me was not asked for any verification beforehand. The answer was : Silence. I requested to speak to supervisor and was denied access. The answer : Not possible. 

After insisting on my demands and a few more minutes on hold, the associate informed me that she filed request on my behalf to request additional information but that the request had to go through an approval process that would take between 5 to 7 business days. 
Total lack of respect. Total lack of security. Total disregard for consumers. Defenseless against corporations.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMB FINANCIAL CORPORATION (KS)

I used the online system to make a deposit on XX/XX/XXXX. I noticed the funds were getting low, I have money with another financial institution because I've had issues with this bank before. When the deposit was made my account was NOT in the negative. The bank decided to hold the check, they advised it was because of my history with the bank. ( I have had this bank account since I was XXXX, 31 years of being a customer ) On the 7th I called the 800 # as soon as I saw they had not deposited the funds. They advised nothing they could do. I spoke to a branch manager and was advised she would look into it. This took the intire day, she verified funds on the XXXX, 2 days after the deposit, then released the funds. Once released the bank then charged 3 {$36.00} overdraft fees. I asked them to remove as they should not have been charged and they refused saying it wasn't a bank error. I advised that the account wouldn't have been negative if they would not have wrongfully held the check. Still would not waive them. This bank has charged me hundreds of dollars in fees over this past year all while trying to get me to sign up for overdraft protection. I am tired of being taken advantage of because I live paycheck to paycheck. This bank should not be allowed to withhold funds. I would understand if it was a large check, it was not it was {$500.00}. Please stop this bank from ripping people off!!
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA closed my account and told me funds would be sent within 30 days. I have since contacted them multiple times and they can provide me no information regarding when the funds will be sent to me. It has been nearly 60 days and they continue to provide no information regarding fund distribution. They continue to act like they dont know what is going on with no resolution.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

On XX/XX/XXXX I submitted documentation providing a new flood insurance on my policy and asking for a new escrow analysis. 
Was told one would be automated and sent to me. 
Two days later I called back asking for an update and was told by a different customer service rep that escrow analysis were done once a year. Then transferred to a supervisor and told I should just email a hardship request to have the escrow amount spread out over a period of time, that way my payment would go down.

I emailed the given email with the request then checked back a couple of days later to ensure delivery and was told by a csr that I have to handwrite the letter and the request for hardship hasn't even been forwarded to anyone. I explained to this csr that all I wanted was to have the escrow reanalyzed. I then asked what it would take to close the escrow account completely and she told me that due to the nature of the loan, it was impossible. She assured me that the request for reanalyzing my escrow was open and it was being expedited and told me to call back on the XXXX of XXXX. 
Called to check status on the XXXX and was told by csr that the escrow analysis request was open but not completed, and she wanted to transfer me to the insurance dept to get more info.

Spoke with csr named XXXX  who informed me that there was NO open request for analysis but she could open one and it would take 4-10 business days to complete and then I could wait on a letter from the escrow department regarding my new payment. Asked to speak with supervisor. Supervisor reiterated the same thing, that no analysis was open already and I'd have to wait. She then forwarded me to her supervisor named XXXX XXXX. Who let me know that all of the previous CSRs never opened an analysis and that " 4-6 more days isn't that long to wait '' even though I've been waiting since the XXXX. 
I inquired again about closing the escrow acct in it's entirety and was told federal laws would not allow that with my flood insurance and it would take 5 or so business days to find out if my homeowners insurance would be able to be out of an escrow account and I'd have to be transferred to another department to inquire about taxes.

This company has been disrespectful and deceptive and has lied about my money numerous times. I request this mortgage company and their practices be audited to save consumers valuable time and money.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have deposited my payroll checks several weeks ago that the bank just now has said they are bad checks My debit card was stolen so now I am upside down by {$7900.00} The XXXX XXXX somehow rolled that into my Mother 's account The XXXX XXXX has given out my personal information without my authorization
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (IL)

Over the past several months, I have repeatedly asked Equifax to remove a bankruptcy that is inaccurately showing on my credit report. I have not only given them multiple examples of how the report is inaccurate ( dates, courts, XXXX ), I have also provided multiple laws that they are violating ( specifically MY PRIVACY ). I have contacted everyone that they claim that they have verified this information with, to which I have received confirmations where both entities state that they either do not report or do no longer have the information that Equifax is claiming. I am attaching all relevant information regarding this issue and would appreciate an immediate removal. It is a shame that they will not take full responsibility for their error, but continuing to LIE about said information.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-18
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX NA Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (NJ)

Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Transworld Systems Inc. 
and XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

XXXXFor a while I thought XXXX XXXX XXXX XXXX  was a gift from the gods. It had turned out that when I went to dispute what was some horrific unauthorized charges I imagine it stemmed from the neighborhood 's I work in helping people as a pastor time began to shut down my accounts for filing those disputes. It is apparent that time only which is to act like a bank when it benefits them financially but puts nothing behind the XXXX guarantee and treats those of us who may be below High income levels different than they do the regular customers. No attention was paid to my filings XXXX rides charges in XX/XX/2021 and XXXX of 2021 through me where they begin to close every single account I had down including ones that had balances in and I never saw the money from XXXX XXXXXXXX or any other product. The email attached to my account was XXXX XXXX
Consumer complaint received 2022-03-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Since XX/XX/XXXX, I have written four certified letters ( see attached 4 Equifax XXXX letters ) to Equifax regarding multiple inaccuracies and FCRA violations they posted on three of the accounts they had listed on my Equifax credit report : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX BANK # XXXX These inaccuracies and FCRA Violations include but are not limited to : 1. Incorrect dates of last activity 2. Incorrect dates of last payment 3. Not posting my Notice of Disputes when notified that I disputes these accounts 4. Failure to update these files when properly notified 5. Incorrect Payment History In response to my disputes Equifax deleted these three files and confirmed this in a response # XXXX dated XX/XX/XXXX ( see attached 4 Equifax responses ). In the attachment you can clearly see that Equifax notified me of the deletion of the three files. 

On XX/XX/XXXX, I pulled my Equifax credit report and found that all three of the accounts had been re-inserted ( see attached excerpts from XX/XX/XXXX Equifax Credit Report ). I did not received any notification from Equifax of this action, nor any 5 day warning that is required under the FCRA. This is non-compliance under the FCRA and a failure to follow FCRA protocol. A quick look at the Payment History of the XXXX accounts and you can plainly see that Equifax continues to completely and blatantly ignored by earlier letters which pointed out their inaccuracies and FCRA violations.
Consumer complaint received 2022-03-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Consumer complaint received 2023-06-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-08
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX and XXXX  XXXX