davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Yesterday, XX/XX/XXXX, I deposited ( via a teller ) a large check ( {$27000.00} ) into my Bank of America checking account. I wrote the check to myself in order to move money from my XXXX checking account to my BOA checking account. When I made the deposit, I received a XXXX XXXX large deposit hold notice. This notice indicated that {$5300.00} would be available on XX/XX/XXXX and that the remaining {$21000.00} would be available on XX/XX/XXXX. 
Late last night ( XXXX ) I received an automated email from BOA invoking the Reason to Doubt Collectability check hold, with the reason listed as " A hold was placed on your check ( XXXX ) because specific information indicates item may be returned. '' This reason was not actually specific, as it provided XXXX information to explain the hold. 
Today, I went to the branch location where I deposited the check. I was told by the manager ( assistant manager? ) that the hold had been placed by BOA 's back office and had nothing to do with the branch. He explained to me that, in his experience, BOA would typically invoke the Reason to Doubt Collectability hold whenever a large check was deposited, especially if the amount of the deposit was larger than " usual '' for the bank account. I pointed out that the explanation he provided was actually a description of the large deposit hold, not a reason to doubt collectability. He said this is BOA 's unspoken policy, that there was nothing I could do about the hold, and that further contacting BOA would be a waste of my time. He was sympathetic and polite, but ultimately unhelpful in resolving the situation as it appeared to be beyond his control. 

My concern : I am worried that XXXX ) BOA is indiscriminately using fraud-prevention or BSA AML rationale to place exception holds inappropriately in violation of XXXX XXXX ; and XXXX ) that BOA is avoiding providing specific reasons for exception holds ( as required by XXXX XXXX ) by hiding behind a fraud prevention rationale. This is particularly troubling, as consumers attempting to move funds in order to pay off time-sensitive debts or close on a mortgage, etc., may be harmed by such a practice. 

By way of background, I am an attorney, I have never been convicted of any crime, my credit score is in the mid XXXX, my XXXX  account contains at least XXXX XXXXXXXX, my BOA account has not been overdrawn ( I use it as a petty cash fund, and typically direct deposit $ XXXX a month into it ), and both accounts have been open for longer than XXXX months. I also have a credit card with BOA, on which I have never made a late payment. If BOA 's policies or algorithms consider me a fraud risk, I shudder to think how many consumers are being harmed on a daily basis by this institution.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX, I received a contract after filing an identity thief claim on XX/XX/XXXX after reviewing my credit report and seeing an account I did not authorize. I informed the credit bureaus and the third party account holder that the account was not mine. I sent them the police report and a day later they informed me the account was mine and that I was responsible. I re-informed the third party account holder that the very contract they sent me as proof was not signed by me and that their sources singed it and illegally printed my signature on the document. That amount of this debt XXXX   The assignor was Automobile client file no.XXXX XXXX   ACCOUNT : XXXX. Date assigned XX/XX/XXXX.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I receive an offer by Wells Fargo through a direct email, offer was simple, open a checking account get direct deposits of XXXX or more monthly for 3 months and after 45 days receive the bonus of {$400.00}, I went to a banker with this code and he opened my account, gave him my SSN, passport and he confirm that I was eligible as long as the requirements were met. I fulfilled the requirements on XXXX and went last week to see how the process was going, they told me that everything was alright but they needed a W-9, I told them I was not a XXXX and they told me they could not give me the offer anymore. 
I received this same type of offer from XXXX on 2017 and had no issues, they also knew I was not a XXXX  by the time I opened my account, to proof this I applied for a credit card with the same banker that opened the account on the same week I opened the checking acc and the banker told me I was not going to get the credit card cause they only gave those to american XXXX but would not hurt to try. 
Considering this false advertisement and bad managed situation I believe my case is funded and that Wells Fargo is not fulfilling his promotion, as it as not done in the past, this bank has a bad history of this situation on the news, as I am sure you are aware.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I sent two wires out of my XXXX XXXX XXXXXXXX small business checking to an individual who was falsely portraying himself to be a loan provider. I sent {$1700.00} out on XX/XX/year>, and then sent {$2700.00} out on XX/XX/year> to an individual by the name of XXXX XXXX who had an account at Navy Federal Credit Union. This individual said he worked for a company called XXXX XXXX XXXX. Their website was XXXX 

XXXX XXXX XXXXXXXX did request the funds back, but they have only been able to recover approximately {$700.00} so far. I am asking for the full balance back, as this was 100 % a scam, and I should be protected in some form.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I refinanced with capital one auto XXXX of XXXX. I gave them all required documents documents even had an attorney help me to get a paper notirized by my ex husband. I refinanced so I could remove him off the registration and so I could sell my vehicle. It has now been 8 months and they are saying they have not received the title from the previous lienholder which was XXXX XXXX. After talking to XXXX they told me they released that electronically the week I refinanced. I have called every mo th and week and I still get the same answer and run around. I called them today XX/XX/XXXX for them to tell me they tried to get a hold of previous lien holder and had no luck. In the meantime I went to the dmv and they said that ally bank is listed as my lienholder. Meanwhile I am paying capital one for my auto loan but they have not given a new title to the dmv. I can not trade in my car or sell it since my ex husband is still on the registration. There is no Manger to talk to and they just keep putting in emails saying I will get a call back and never do. Capital one says they don't except electronic titles but there is nothing I can do. I just read under consumer report that many other people were experiencing the same frustration with them saying they don't have the title. Some people have been going through this over a year.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've contacted TransUnion, XXXX and XXXX about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
TransUnion XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DeptED/XXXX XXXX DeptED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX NA XX/XX/XXXX XXXX DeptED/XXXX XXXX  DeptEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

Regarding : Account XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am reaching out to you to make you aware of the request I have made to XXXX XXXX at Designed Receivable Solutions Inc., for him to mail and produce a copy of the original bill From XXXX XXXX XXXX XXXX that Designed Receivable Solutions Inc. is collecting for and has placed on my credit report. 

I requested a copy of the bill they claim I owe on XX/XX/XXXX and have not received it yet! I have since reached out to XXXX XXXX XXXX hospital billing department and they informed me I do not have a balance due with them. I also reached out to Doctor XXXX XXXX billing department, who is a part of the XXXX XXXX XXXX XXXX because XXXX stated the billing date was XX/XX/XXXX for Doctor XXXX. His office informed me as well I do not have a balance due. 

According the credit trade commission if the collecting agency do not produce/provide the original bill within 30 days, they have to delete the information from all 3 credit bureaus. It has been 2 months and every time the 3 credit reports contact them they say they are reporting correctly. They have stop calling me and returning my phone calls because they know they have to emove this debt from my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.. I have been reporting this derogatory account for couple of months and yet you guys is not doing any actions and I am not getting any result. Below is the the item im AGAIN disputing. 


XXXX Account # XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.. I have been reporting this derogatory account for couple of months and yet you guys is not doing any actions and I am not getting any result. Below is the the item im AGAIN disputing. 


XXXX Account # XXXX
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY ()

American Express decided to close the corporate credit card of our company without any reason. I have discussed this by phone, but nobody seems to be allowed to give an answer. I have asked to be communicated with somebody at management level who is able to give an answer, but you simply dont get one. We are clients for more than 10+ years, maybe even 15+. We have always paid our bills timely and completely. What are our rights as a consumer? It just feels so bad to be treated this way and that you do not receive a honest answer, it feels very unfair. We handle important provider payments through this credit card. Now we have to run to try to fix this and make sure our business will not be affected. I feel so badly treated and I consider it very important that awareness is created of how American Express truly operates. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX Late Dates XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was Experian* Credit Report ( XXXX  ) XXXX CA. I called Experian to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call Experian. The money was clearly deducted from my account and someone has the funds.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I had received a balance that was XXXX As of last week I had a remaoning balance of XXXX in which an agreement to pay XXXX to satisfy debt and remove from my vredit report immediately. I revently received a credit monitoring alert that showed a remaiming balance of XXXX. This was not agreed upon and I also have a regarding of the agreement alomg with informed consent of the call being recorded on my behalf. I am demanding that they remove all remaining balances as well as listing on my credit report immediately.
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I have attempted to satisfy my past due toll amounts with the XXXX  ( XXXX XXXX XXXX  ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment.

I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees.

As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-09-18
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. (LA)

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX  and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a 5 year XXXX  XXXX with XXXX XXXX. It matured XX/XX/2020. I started the process to have it moved to an XXXX  savings account at XXXX XXXX  on XX/XX/2020. 
The transfer request has been submitted by XXXX XXXX 2 or 3 times and all other information has been given to XXXX XXXX. I have talked to their financial advisors at XXXX several times. On XX/XX/2020 I was told that the transfer would be made within 24 to 48 hours. The amount in question is over {$100000.00} The transfer has still not been made.
Consumer complaint received 2024-02-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION (NC)

I applied for an SBA loan with BBT ( TRUIST ) bank in which I have been a customer for over 25 years. 
The application started in XX/XX/2023 and Credit report was pulled. I was called back in May to fill out additional paperwork. 
XXXX I was told I would need XXXX down towards the loan which is 10 % on an SBA loan and I provided that. A couple days later I was told that I needed XXXX and I provided that as well. 
In XXXX we had a discussion during a phone call, they stated they wanted to see what I look like, so they scheduled a XXXX meeting. XXXX XXXX, XXXX XXXX and myself were the only attendees. We introduced ourselves chatting about family and also discussed the project. Things seemed to be going well. 
XXXX I received an email from XXXX XXXX stating that he is just now getting to my loan and he wanted me to resubmit my application. I was told to sign everything, but don't date them, which I thought was strange. He gave me 7 credit items that needed explanations. I was unaware on any items existing on my business report. All items were explained and he was ok with it. 
I asked for an update, XXXX XXXX sent me an email in XXXX stating he was leaving Truist and my loan package was sent to XXXX XXXX and XXXX XXXX. 
Now I started my loan application in XXXX and I am still in limbo in XXXX and I have lost a lot of clients due to the negligence from Truist. I really felt mislead and that this was going down the wrong path. 
XXXX I contacted an SBA representative ( XXXX XXXX ). I told him about my situation and he tried to look me up in their system and I didnt exist. This was very shocking to me. I have wasted a whole year with this loan application and followed the correct steps and my Loan application didnt exist. XXXX scheduled a meeting with the bank representatives. I was included in a phone meeting and XXXX was the mediator. They stated I had 2 things on my credit report that needed to be removed. 
One item was a quick payoff and incorrectly reported late payment. I should have known about these items in XXXX or XXXX which could have helped. 
XXXX we had another meeting where they denied my application. I was told to seek another lender. TRUIST has done 5 HARD Credit PULLS to XXXX which has lowered my score. I am very hurt from all of this.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

FIRST COLLECTION SERVICE XXXX Opened XXXXXXXX XXXX XXXX Balance {$180.00}
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Experian aware that I have never signed an Affidavit nor giving Experian consent to furnish ANY INFORMATION on my consumer report but has that stopped Experian? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Experians system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Consumer complaint received 2024-02-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.