davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, Bank of America closed my checking and saving account without any warning. I did not receive any email or phone call at the same time before they made this decision. This resulted in me still having about XXXX dollars in funds that I was not able to take. That money was used to pay my rent. I called customer service to inquire about this and all they said was that they would send me a check for the funds on my card. But the exact time is not informed either. I am an international student myself and now I don't have the money to pay my rent, and if I delay paying my rent any longer I may be forced to quit my rent.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

It started in XX/XX/XXXX when I accidentally paid through the wrong account number. An account that I never used before. I called right away and they claim they never got that money and therefor couldnt apply it to the correct account. Every since then, every single month I pay on time but they dont apply it for weeks after the due date sometimes months. XX/XX/XXXXevery single month this happened to where now they say Im overdue three months in a row but I always pay on time if not early. I dont know what they are doing with the checks and why they dont process them immediately. In XX/XX/XXXX I sent a check for {$1000.00} and its not XX/XX/XXXX and they havent received it but my bank verified that I wear sent. Why would my bank continually prove payment was sent but the credit card company does not. Huh? I called many times to ask assistance as to why this keeps happening but they will not work with me to figure it out. I shouldnt owe this much as I always pay. This is capital one by the way
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Consumer complaint received 2022-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against REGIONAL ACCEPTANCE CORP for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my XXXX consumer report, Exhibit B which is a copy of the account reporting on my XXXX consumer report and a pdf of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint . There is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also Pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with REGIONAL ACCEPTANCE CORP and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving REGIONAL ACCEPTANCE CORP any right to collect on this alleged debt. It is my belief that REGIONAL ACCEPTANCE CORP are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from REGIONAL ACCEPTANCE CORP before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If REGIONAL ACCEPTANCE CORP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

1. I have a business account ( ending in XXXX ) with Huntington, and between the end of XX/XX/XXXX and and XX/XX/XXXX I was charged multiple overdraft fees, sometimes 3-4 times in one day. 
I deposited some money, but some of those fees have not been refunded. 
For example : on XX/XX/XXXX I was charged 3 times This is excessive overdraft fee charges. 
When I opened my business account 3 years ago I was told by the banker if I want overdraft protection, and I said no, which means I opted out. 
It looks like this banker just lied to me, making me believe that if my balance was 0, the payments would no go through. 
I made a lot of returns between XXXX and XXXX, and the refunds were hold for 4-5 days, and this actually caused my account to go into a negative balance. 
The refunds were delayed and rearranged in a way to make my account to go into overdraft. This is against the law, and I know you were sued for this reason and excessive overdraft fees. 
2. There are also 2 International Debit card Transaction fees as follows. 
XX/XX/XXXX {$2.00} and {$.00} on XX/XX/XXXX I have no idea why I was charged. I have never used my card anywhere outside of the US.

I want those 2 fees refunded. 

I have called your customer service phone number many times, but I was put on hold for 20-30 minutes and no one answered. 
I want all the overdraft fees refunded., and the international fees as well.
Consumer complaint received 2023-01-26
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. (NJ)

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 repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I received a debt collection notice in the mail on Friday, XX/XX/2022 for an amount of {$120.00} on behalf of XXXX XXXX 

I tried going to the debt collection agencys website, www.payconvergent.com and reaching out to them on the phone number provided - XXXX. 

Both the website and the phone number are non-existent. 

I do not have an account with XXXX. I do not use their services. I reached out to XXXX and they confirmed that I do not owe them anything. They recommended that I file a complaint with your organization.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-02
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Transunion Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX and XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-10
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

On XXXX, XXXX, 2021, I sent Comenity Bank a letter, requesting my late payments be deleted. It has been more than 30 days and i have yet to receive a letter from Comenity, notifying me on the status of my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. 

I have since paid my amount in full and would like my late payment removed.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them. 

I have never done business with these people and dont know where they even got my information.
Consumer complaint received 2022-06-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2018-05-23
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. (FL)

It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since XXXX has no license in my state, the loan contract I have with them is not valid. They also subsequently changed the terms of the loan agreement on XX/XX/2017 without receiving my affirmation of the changes. I am hereby requesting they remove any and all reporting they have made to any applicable credit bureau. The basis for their reporting is not valid.
Consumer complaint received 2023-03-16
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)

XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX & XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses
Consumer complaint received 2022-03-07
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. (FL)

On XX/XX/ 2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA bank offers fixed rate CDs. When I purchased my CD, I was told by the representative that I could speak to the service department and have the CD changed so that it would not automatically renew. When I contacted the service department on XX/XX/2023, they indicated that I could not change the CD to not automatically renew until the 10-day grace period. Additionally, documents on their website at https : //www.usaa.com/inet/wc/advice-finances-everything-to-know-about-cds say the following : " When your CD matures, or the term ends, you receive your deposited money plus the interest you earned along the wayunless you decide to renew the CD for another term. You also have the option of reinvesting your money into a new CD with a different term. '' This is apparently false, instead it should read : When your CD matures, or the term ends, you WIL NOT receive your deposited money plus the interest you earned along the wayunless you decide to NOT renew the CD for another term. Your CD WILL BE AUTOMATICALLY SET UP TO REINVEST your money into a new CD with a different term. IF YOU CHOOSE NOT TO REINVEST, YOU MUST LET USAA KNOW WITHIN THE 10-DAY GRACE PERIOD PRIOR TO THE RENEWAL DATE.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. Reporting past due amounts on a collection or charge off is a violation and should not be on my credit report. This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted immediately.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  / XXXX XXXX XX/XX/XXXX 5. XXXX / XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Contact Date XX/XX/18 EveryDay Checking - XXXX  Partian Loan Number *XXXX XXXX XXXX XXXX XXXX  , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.
Consumer complaint received 2018-05-22
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. (NY)

I am submitting this complaint about equifax credit reporting company. There is an account XXXX XXXX XXXX that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (FL)

I signed closing documents with XXXX they are refusing to fund my loan after closing because the loan officer that started the loan is no longer with them. they are holding my loan hostage after the 3 day rescission period because they want documents corrected AFTER I signed closing documents because the loan officer is no longer employed with them. this is causing me additional time, money and will cause my mortgage payment to be late with my current lender because they will not send the payoff
Consumer complaint received 2023-06-13
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. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (CA)

My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.