davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

To whom this may concern, Thank you for taking this case. I reached out to the Michigan governor 's office and they forwarded your number so I want to start by saying thank you. 

Earlier this month, I submitted a dispute on XX/XX/XXXX for multiple unauthorized transactions on my account. I recently had another dispute open for the same thing. Originally I thought that my credit card had been lost and stolen, which it was, so I ordered a new one, but when the next batch of unauthorized charges came in, I knew something was wrong. 

I reached out to the bank on XX/XX/XXXX and immediately disputed the transactions. The transactions were roughly {$6900.00}, there was another dispute open for charges around {$2700.00}, which were unauthorized. I received a letter stating that the charges were valid without any explanation behind why they were valid, I explained to them that a family member who had been in my home had used my card without authorization. A fifth third told me that they would help me out, they said they would issue me a temporary credit, which they never did, and that they would help me get to the bottom of it. 

A few days later, the bank called me and told me they were closing my account without cause. I had a separate account that was also jeopardized by the same family member, there were some withdrawals and deposits in the account, the deposits were roughly {$1800.00}, I disputed the deposits including the withdrawals, they took away the credits totaling {$1800.00} and also gave back the additional money that was unauthorized. I don't understand if they say the charges are valid, why would they also return the deposits that I disputed? 

The person responsible for the unauthorized charges admitted to it and I also provided that information to the bank. Upon doing my own research, the accounts that were used to make the unauthorized charges were in a completely different name and not my own. The changes made to the account were also charges to places that I had not been to which I had also told the bank. 

I am reaching out to you guys because I do not feel the bank handled this situation accordingly, I believe they completely threw the case out and also force closed my account, then sent me a statement saying that the charges were valid. They didn't do any investigation, they never called me, they did not contact the person who was responsible, and they made no attempt to credit my account, only to completely freeze it, making it negative XXXX XXXX dollars in total for both accounts and then close it so that I couldn't do anything with it. They also completely blocked my access to be able to log into the accounts online. 

I know that this is a bit long but I wanted to provide as many details as possible.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened my first business checking account with Bank of America in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, I went to XXXX for a family emergency. During my visit on XX/XX/XXXX, I received a - {$800000.00} in my account and had no idea what was going on so I called Bank of America regarding this. They said it is due to chargebacks they have received and they have put a hold on the account while they review my account. When I came back at the end of XXXX, I received a letter in the mail stating As of XX/XX/XXXX, " We've made the decision to close your deposit account '' and told me what I cant do with the account. On XX/XX/XXXX, I received another letter saying They have closed my business checking account with {$6700.00} in it. I called customer service regarding the funds and they said I would receive it in 10 business days. A couple weeks later, I received another letter stating on XX/XX/XXXX, they will be reviewing the transactions and I should call their department for any questions regarding this matter. It's been almost 6 months now, I have not been informed about the funds in my account or when I will be receiving it. Every month, I keep calling them or going to the branch for updates and seeing if there is a way for me to help them resolve this issue to receive the funds as soon as possible. During the time I have called, they have said that a different upper department is handling the issue and I would have to wait for them to finish their investigations. They also indicated there was a {$500.00} overdraw in the account which I or any branch managers have not seen. I have requested a statement and not even the statement includes any amount about this. Since XX/XX/XXXX - XX/XX/XXXX, I have received letters " requesting reimbursements for the checks returned to them unpaid after deposited it '' which I have. These chargebacks are mostly back from XXXX. They have been a total of {$2500.00} and I have paid back every XXXX to the bank on time. On XX/XX/XXXX, I spoke to a supervisor, XXXX, about this issue. I have told him it's been more than 6 months since you guys stated you will close my account. My last real update was XX/XX/XXXX and no one can give me any updates, when I will receive my funds, or let me know if I can help them in any way to move this process faster. I also stated him, no one, especially me, can not run a business without any funds. I have fulfilled the customers orders with my own funds which includes paying for software, employees, etc. I did feel like XXXX did take my concerns seriously and wrote an email/message to them, the upper department, regarding this issue. XXXX also stated I should receive an update that following Friday, XX/XX/XXXX. Since that day, there has not been any updates on the funds or from the upper department, I have not been able to speak to XXXX or any supervisors, and my business has been on pause/hold since then.
Consumer complaint received 2022-08-26
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: Lockhart, Morris & Montgomery Inc. (SC)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have 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.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (NJ)

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost XXXX hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  Balance details 0 % paid off Balance {$5700.00} Balance updated XX/XX/XXXX Original balance {$5600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Consumer complaint received 2022-04-14
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. (IN)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to deletXXXX Inq : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to urgently address the persistent presence of fraudulent items on my credit report and to request immediate action for their removal. Despite many attempts on my part to rectify this issue, the fraudulent items continue to tarnish my credit history, jeopardizing my financial well-being.

Upon discovering the fraudulent items on my credit report, I immediately initiated multiple attempts to have them removed. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items persist, causing unwarranted damage to my creditworthiness and reputation.

The continued presence of these fraudulent items undermines the accuracy and reliability of my credit report and poses a significant threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. 
The Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. 
In a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. 
Later, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. 
I have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (PA)

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My account is with fifth third bank. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode. 
The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report. 
Asked to change the reporting as I was not delinquent. Fifth Third bank systems are messed up- Please do not give them the right to ruin the credit report in a whim. 
I am not delinquent and have a good history. Assist me please. 
XXXX XXXX On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, XXXX XXXX will automatically re-process the withdrawal. On XX/XX/2023, XXXX XXXX did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment. 
On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.
Consumer complaint received 2022-04-14
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. (OH)

XXXX bank account number-XXXX XXXX XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX  In accordance with the Fair Credit Reporting act XXXX  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 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized. 

Chime did not initiate a chargeback on my behalf and simply denied my dispute. 

These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank. 

Regulation E requires banks to take into account assertions made by customers when looking to assess liability. 

Chime stopped all contact with me since I filed.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2019 I went to the XXXX  located on XXXX XXXX XXXX, XXXX, NY XXXX to send {$250.00} to my sister in Maryland. I paid an additional {$24.00} to have the money order expedited. My total came to XXXX. 

The following day when my sister went to retrieve the money order she was told that there was an error in the transaction and that the funds were returned to the sender. 

Upon returning to the location, I was told by one of the cash attendants that the funds were already paid out. 

After multiple calls to their head office, they only could tell me that it was paid out. After several other phone attempts I was told I should contact my local precinct if I thought that I had been defrauded. 

The precinct did investigate the matter and the results are included in attached files to this complaint.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank Of America sent me a credit card that I did not apply for I called them waited on hold an hour got bounced around and they did not have an explanation whyyI received a credit card that I never applied for
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

The homeowner was approved for assistance in the amount of {$26000.00} to cure the default through the Maryland Homeowners Assistance Fund while this loan was still held by XXXX XXXX XXXX. XXXX XXXX XXXX then sold the loan to Right Path Servicing, and they stated that they have not received proof that this money was received or that there was a payment made by the state of Maryland to cure the default.
Consumer complaint received 2022-08-26
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: Sequium Asset Solutions, LLC (CO)

I have called the collection company and they will not talk to me because my name/address doesn't match their records. 

I also called the XXXX who was listed as the original creditor per my repot and they also confirmed I still have an active account with them and they have never reported me to collections. 
I called XXXX, XXXX and XXXX and found out that this collection company is the one who reported the address and the name to my credit report. 
I am now filling this complaint, how can this collection company file something on my credit report that is not me. It's not my name, not my address, it's not my bill. 
they wont even talk to me because the collection is not mine, but they are still reporting it on my credit report.
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have fraud inquiries on my equifax credit file.I have sent a copy of the ftc affidavit drivers license and social security card as required by law. Equifax then tells me the inquiries were deleted but they are still on my report then they tell me to send in the documents again I have sent those documents over and over spending money.when the rep at equifax confirms the inquiries should be deleted instead of deleting them they tell me to send in the same documents. Equifax is by far the worst credit agency
Consumer complaint received 2018-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a savings account with CapitalOne 360. On XX/XX/2018 they transferred {$170000.00} out of my savings account into an external account belonging to my wife that doesn't even have my name on it, and subsequently closed the account. They closed the account because I apparently exceeded the maximum 6 transfers per month out of my savings account in two consecutive months. Instead of calling me, or perhaps blocking my 7th transfer, or even texting me, they decide to unilaterally close my account and arbitrarily transfer the money into an account that happens to be linked to my checking account even though that had no idea who it belonged to. What if it was my contractor 's account, or what if my wife and I were divorced? This qualifies as downright gross negligence to me and I strongly urge you to penalize CapitalOne to the greatest extent possible. 

I called CapitalOne and their Manager acknowledged " this part of their process needs to be refined ''. Are you serious???