davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Background Information : In XX/XX/XXXX, I hired a photographer, XXXX XXXX, for my wedding. Initially XXXX was booked for my original wedding date XX/XX/XXXX so she said that if I changed my wedding date, she would provide free 6 hours of videography. My husband and I agreed to move our wedding to XX/XX/XXXX, and we paid the deposit, {$400.00}, on XX/XX/XXXX. We paid {$1100.00} on XX/XX/XXXX and another {$1100.00} on XX/XX/XXXX. The invoice attached, # 137,  states 6 hours of wedding day coverage, 6 hours of video coverage, printing rights, online gallery, and a bridal session. 
After the wedding, XXXX stopped communicating, she lives in Idaho. She became difficult to reach and we did not receive sneak peek photos or anything until XX/XX/XXXX. I began inquiring about the video coverage but she either ignored my phone calls, stated she was in the process of moving or did not have internet. At one point she reminded me, per the contract, she had 8 weeks to deliver, XX/XX/XXXX, and she mentioned that she'd reach out as soon as the video was ready. 
On XX/XX/XXXX, when I still had not received the video coverage, I reached out and I received no response through text, email or phone calls. Since then she has not indicated that she is working on our project. XXXX XXXX does false advertising and doesn't complete projects within the contracts timeframe. If we knew that we would not receive the video then we would have gone with another company and kept our original wedding date. It seems as though she baited us with the incentive and never intended to complete such project. 
Reading XXXX reviews of her now, many other clients are stating the same thing and are pursuing legal action. She had done this multiple times to other clients. 
I sent a XXXX online complaint on XX/XX/XXXX but she refused to reply and XXXX   closed the complaint as a no reply from business, I reached out to Bank of America over the phone to attempt to get my money back as this was clearly fraud. Over the phone, in XX/XX/XXXX, the representative of Bank of America stated that because it had been over a year since the first transaction of {$400.00} ( XX/XX/XXXX ), she was unable to pursue the claim but she could pursue the other two claims on XX/XX/XXXX and XX/XX/XXXX. I understood that was fair and shortly after I received a credit for {$2300.00}. 
However on XX/XX/XXXX, I received a message from Bank of America stating the time frame for them to pursue this matter was closed, contradicting what was stated over the phone. Over the phone the representative stated they had a year to pursue the claim. It is unethical to contradict this statement especially in the face of fraud.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (MO)

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-07-08
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. (TX)

These are ALL fraudulent inquiries on my credit report that I just found. 

XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous )
Consumer complaint received 2018-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX   to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. 

In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. 

Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were  previously pending. 

I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. 

I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.
Consumer complaint received 2018-08-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (FL)

On XX/XX/2018, my mortgage loan with Habitat for Humanity was transferred to a new loan servicer XXXX XXXX XXXX XXXX XXXX, XXXX. I was unaware of a loan service transfer. I made contact with several entities to assist with foreclosure prevention. There are 12 of us impacted by this loan servicing transfer to a non-registered mortgage servicer. My loan with habitat was not supposed to be transferred to a non-regulated loan servicer. My original mortgage servicer Habitat for Humanity requested to buy back my loans as it was sold in error to a non-regulated mortgage servicer. I need your help in keeping my home and get them alone sent back to my original mortgage servicer. I was not notified 15 days prior to the sale of the mortgage that there will be a loan transfer. 
Please help me keep my home.
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NM)

We have been making monthly payments but the company says we owe {$5000.00} in back pay. Now they are trying to foreclose. My son, his XXXX fiance, my XXXX year old and XXXX year old and my XXXX year old grandson live with me. Those babies don't deserve to be XXXX. I'm XXXX but can't get XXXX. My doctors say I can only work part time due to my health. I've been trying for months to get a job but I have not had any luck. The money source sends way too much mail with threats of foreclosure and I feel like I'm being harassed. They don't want to work with us. They would rather foreclose and make another family XXXX. We have lived in this house for 25 years. I do not want to lose my home! I need help in a desperate way. They could add the {$5000.00}, supposedly back pay into our payments and not foreclosure. I'm humbly begging for some relief and help in order to save my home. I appreciate any help. 
Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2018-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MO)

Today I recieved a call from a debt collector XXXX XXXX saying they were going to collect a medical debt from XX/XX/2017. I have not lived in the state of ohio for years and this debt is not mine. They said it was submitted by XXXX XXXX XXXX for a XXXX XXXX ( NOT my dr ) and the address used was for a house that we have not lived at for years. This is a mistake. I emailed the billing department of XXXX XXXX XXXX to try to clarify, but I want this taken off my credit report and they need to remove the debt from my name ....
Consumer complaint received 2022-07-08
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 XXXXXXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX from XXXX XXXX account opened XX/XX/2019
Consumer complaint received 2022-03-09
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: BMW Financial Services NA, LLC (NJ)

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2018-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (PA)

I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX   in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.
Consumer complaint received 2018-08-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I filed the complaint about Huntington Bank ( XXXX bank ) in XXXX PA at XXXX XXXX XXXX about then STEALING my CD my be reference under XXXX XXXX Well about the same time I got a bill for my safe deposit box. After the thief of money I vow never to go in that bank again. 
To start with I used the bank at XXXX XXXX XXXX and they did not even have a safe. You had to go several miles to get to theirs ( XXXX and XXXX I refuse to do any business with that bank. Well I got a nasty letter since I would not pay for the box they were going to drill it ... 
Well the proper why to done it is to send any and everything in the box to me in my name or my brothers. they had the address etc. I had the deed to the house plus title to the car plus a ring plus my brother FCC license plus other smaller items. 
If they could not find us ( we only lived in this house for 70 years ( my family ) per PA laws they are to turn all I repeat ALL items removed from a Safe Deposit Box over to the PA Treasury. who has the unclaim property section. 
Well I followed that site checking several times and nothing was ever turn over to them. They keep items active on the computer for 10 years, and inactive after that ... 
Clearly this bank had no right to just toss my personal effects. 
I want money for this. 
THIS BANK IS KNOWN AS THE WORST ONE IN THE CITY. I HAVE ONLY HEARD COMPLAINTS AGAINST THEM. 
YOU NEVER SEE ANY CUSTROMERS IN THEIR PARKING LOTS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Submitted a " dispute request '' concerning XXXX XXXX XXXX, XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). 3 ) Requested collection agency/creditor removal for incorrect information. On XX/XX/2018 received email update concerning dispute result. XXXX XXXX XXXX XXXX remains on my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : XXXX XXXX
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am a Chase retail bank customer who has used the XXXX online payment feature for several years. This feature was arbitrarily removed from my account on XX/XX/2021. 

Explanation provided : We deleted the following contact options from your XXXX profile because you haven't received money using them in the past 12 months, and we didn't get the requested reverification from you within 30 days. 

Yes, I have never RECEIVED money via XXXX. I used it to SEND money. Chase has, apparently, decided to offer a service with the word pay in it, yet has restricted/removed/conditioned it because I do not receive funds via this method. This limitation is a non-sensical one-way street, leaving customers like myself with the distinct impression that Chase uses their dictatorial powers to mislead and inconvenience good customers without any justification whatsoever. This is exactly the type of unchecked abusive action by a major bank that needs to be the focus of regulatory change.
Consumer complaint received 2021-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (NY)

I notified Experian Credit Bureau regarding my closed account as of XX/XX/XXXX with XXXX XXXX XXXX. I have requested from Experian as per the Fair Credit Act the statue of limitation of 7 years has expired and as of today 's date my closed account is going over XXXX years.I advised Experian the recent report sent to me for XX/XX/XXXX clearly noted that the closed account with XXXX XXXX XXXX will continue on record 'UNTIL ' XX/XX/XXXX. 

I kindly request CFPB to investigate my complaint because Experian is not following the Fair Credit Act laws enacted by Congress. Respectfully, XXXX XXXX XXXX