davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Saturday XX/XX/XXXX I went into a Bank of America branch to deposit my payroll check, as always I am expecting the check to clear my account the next business day. ON Monday I see that the funds were available so I start paying my bills online, but something told me later the day to check my account again and I saw that the funds were reversed. I called customer service to see what was going on the gentle stated it had to do with my employer releasing the funds ( odd ). Tuesday they posted 4 {$35.00} dollars non sufficient funds due to the reversal and also causing me to have late fees on the bills I paid that were returned. I waited for Wed XX/XX/XXXX to see if they release the hold and they didn't. At this point I reached out to my employer to see the issue and they did in fact confirm the funds were released to bank of america on XX/XX/XXXX. I called customer service to see if they can give me back the XXXX dollars since it was not my fault the funds were reversed, the customer service supervisor refused stating it was my fault. Again not sure how this is my fault when I confirmed with ADP and my check cleared meaning the bank already received the funds for my pay check. I simply wanted my XXXX and for someone to tell me the truth and not give me the run around for days. Bank of America has lousy customer service on the phone and are not will to help not even when it is not the account holder fault.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/XXXX I sent a letter to Navy Federal to which they received it on XX/XX/XXXX asking for validation of the account. 

Navy federal failed to respond appropriately to the dispute and even went as far as to take money out of the account, which I had no knowledge of, even though the dispute stated that all collection shall cease until this gets resolved. 

Due to them taking the money out of the account in the amount of {$10.00}, Navy Federal Re-aged the alleged debt on my credit report which dropped my score significantly by XXXX points. This is a violation of the Fair Debt Collection practices Act. 15 USC 1692e ( 2 ) ( a ), see -- -- XXXX XXXX XXXX XXXX ( 2005 ) On XX/XX/XXXX Navy Federal Sent me an Email, That's it an Email, They failed to send me the things I asked for according to the Debt Validation. 

so on the XX/XX/XXXX and they received it on XX/XX/XXXX. I sent them a Notice of fault and opportunity to cure to which I gave them notice that if they didn't respond is an administrative judgement. 

Navy Federal has failed to do a proper investigation and I feel very violated as an consumer and the original creditor, because I even stated in the letter that banks can't lend money and Because Navy federal won't give me within the time allotted, I will be seeking litigation for damages. 

This has caused me XXXX and Anxiety due to them not complying and Violating my rights under the Fair debt collection practices act and the Fair credit reporting act.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Between the dates of XX/XX/XXXX XXXX 2021 I had a series of XXXX charges, that were not authorized by me. The total of which was {$230.00} My phone had been stolen and someone used my account. I filed the claim with my bank BBVA and showed them how I used XXXX very little before and after these charges. The bank has stated that XXXX provided them with proof that these were intact legitimate charges. When I asked what proof there could be, the bank stated that they could not provide that information.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I received a letter in XXXX of 2017 from the California State Controller informing me that I had an unclaimed balance of {$1600.00} in escrow funds from a mortgage that I paid off in XX/XX/2017 on a property in California. I contacted PHH mortgage and was eventually able to get them to send a check for this amount to me. I did not receive the check, and when I called was eventually told that it had been sent to the mortgaged property address, where I do not currently live. I had originally included my current address in my request. I have since contacted the company repeatedly and unsuccessfully by phone and email to try to get another check sent to me at my current address.
Consumer complaint received 2021-08-27
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: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2021 I signed up online for a service from a merchant call XXXX XXXX. They sent me an email of a billing summary in the amount of {$95.00} also stating it was not billed yet. I reviewed my credit card statement on XX/XX/2021 and notice two charges of {$95.00} and {$94.00} post dated for XX/XX/2021. I contacted the merchant on XX/XX/2021 to request a refund because I didnt received a contract, receipt or services for what I paid for. The merchant refused me a refund stating they only issue refunds within 48hrs after reporting my rent to the credit bureaus. My rent was not reported, I didnt received what I paid for, I was charge and refused a refund. I contacted my credit card company Navy Federal to dispute the charges given the explanation above. Navy Federal requested supporting documents ( contract, receipts, terms and condition, communication trail ). I gave Navy Federal the only email I received from XXXX XXXX of the supposed billing summary not billed and the screenshot of the call I made to XXXX XXXX as XXXX XXXX didnt provide me with a contract or receipt for what they billed me for. My resolution is not being resolved between both parties and XXXX XXXX took nearly {$200.00} from my family mouth with nothing to show for it.
Consumer complaint received 2018-07-09
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. (NJ)

Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the Transunion, XXXX  and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while Transunion and XXXX  refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, etc. 

1-XXXX XXXX XXXX 2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX   6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX   9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX 14-XXXX XXXX 15-XXXX XXXX XXXX  16-XXXX XXXX 17-XXXX XXXX 18-XXXX
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2022-10-16
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. (NY)

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 1681. 

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 1681. The XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America edd prepaid card filed a dispute claim the dispute claim was honored and a permanent credit of XXXX something was applied to the card In the card was frozen for no explanation whatsoever I have contacted them multiple times as well as walked into the bank with 2 forms of identification and nothing They're now advising me to contact my sponsor but it has nothing to do with the sponsor it is Bank of America there is a federal lawsuit put against Bank of America there is a federal lawsuit put against Bank of America not to block or freeze cards which they have done to me I as well have not Received my card in the mail so there is a XXXX something dollar balance sitting on the account but I have no access to it or a debit card
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$34.00}.
Consumer complaint received 2021-12-15
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. (NE)

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : Two inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Consumer complaint received 2021-12-15
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. (NY)

I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

My Indigo credit card has been locked by the credit card company because of one payment that was returned because the insufficient funds do me changing banks XXXX The payment that was returned was an additional payment I was submitted to lower my credit card debt but was not the minimum payment for that was already paid and honored try try it too I have only had this account for 2 months all my other payments have been successful and and I was only notified my credit card was locked 2 weeks after the initial lock I have respond out to the company and they refuse to unlock my card I was told I had to make a minimum payment that it's not due but I still made 2 payments as the act of good fate Is am I caught still not I have ACH payment coming out of that credit card that has known Practice and harsh rules and regulations regarding a {$300.00} account that's only been Open for less day I have another credit card with the same company which is on my destiny card of which my card was locked last month for the same reason and I'm being XXXX against all my accounts for submitting a complaint to the federal trade commission regarding that instance with that card And I'm going to the same situation with the new card Indigo credit card of which I received a offer lbecause of my good standards and payments with my destiny card My card was locked 2 weeks prior to receiving any correspondence both times and and the seasoned bit harsh for these penalties to be affected immediately on the 1st return payment Which was an additional payment Aside the minimum payment that was paid Which is a result for the complaint I made for my 1st credit card which is my destiny my destiny a month prior this situation
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/2024 a withdrawal of {$300.00} without notice was taken from my account via debit card. This is a past due payment but, Ive been unemployed and struggling. The money they took without warning now leaves me homeless as it was to be used for living quarters. I was going to arrange payments once steady income begins but, I am in no position to be out of {$300.00}. 

I believe some communication and payment plan should have taken place first. 

I feel this is extremely harmful without they were planning to withdraw said amount on this day.
Consumer complaint received 2022-09-27
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. (VA)

Since May of 2022, I have put in many requests for investigative consumer report due to inaccuracies noticed on all 3 of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports.

The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions.

According to : 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX  XXXX Account number : XXXX
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

My card was paid in full and on autopay also not being used, I was charged XXXX late fees for {$40.00} which were reversed but they hit me for 30 and 60 day lates. I was not notified or had any communication from Barclays until after the late fees were charged, and was told it was a system error. My credit now shows the late payments which has affected my ability to refinance my home. I would like this removed from my credit report as I have no prior history of default or being late on any recurring credit lines.
Consumer complaint received 2022-09-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2021-12-15
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. (NE)

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my account and blocked online access. The only thing I did was deposit a check from my work. It's been 2 years since the closure and I would like to open a new account with Chase because it is the best and most accessible bank.