davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020, I deposited a check of {$46000.00} into a proprietary Bank of America ATM near my home in Georgia. I received a notice at the ATM that a hold was being placed due to " check is a type which may be returned '' or something of that nature. This is a transaction account ( checking ), so it is subject to funds availability under Reg. CC. Reg. CC has 5 different exception holds besides a new account hold, which this is not a new account, as follows : * Large Deposit Hold * Redeposited Check Hold * Repeated Overdraft Hold * Reasonable Doubt of Collectibility Hold * Emergency Conditions Hold The Large Deposit Hold was not used, as that would have required {$5000.00} of the check to be available by the 2nd Business Day after deposit. Instead, the complete amount is being held until XX/XX/2020. It would seem that Bank of America used the " Reasonable Doubt of Collectibility Hold, '' but this language was not used on their notice. 

I called the Bank and spoke with them and they stated they needed to " validate the funds. '' Validating the funds is not an allowed exception under Reg. CC. Also, the check clearly states that it is for refinance proceeds and comes from a Settlement company. I don't understand why such a check would cause " reasonable doubt '' for collection. Bank of America would not do anything differently after I spoke with them. In essence, I am complaining that they violated Reg. CC in a couple of ways : ( 1 ) They did not cite an appropriately worded allowed reason for the hold, and ( 2 ) the reason they seem to be relying on is not logical.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I opened an account with Amazon in the month of XXXX of XXXX, I made some purchases online. In the month of XXXX I received the Amazon credit card. I tried registering the card via internet so that I could see my bill and pay it off and was not successful. I called the credit card company which is Chase and with there help.I was able to access the account. Once I opened the account I noticed that some charges on the account were not mine and I called customer service with Chase and reported the incident. I was asked if I had use the new card at all. My response was that I had just received the card in the mail and had just set it up. I was then told that the charges would be taken of the credit card and there would be an investigation and that they would get back to me and was also instructed to destroy the card and that they would send a new a card. In XX/XX/XXXX of XXXX  I get a new statement bill from Chase for the amount of {$360.00} and I called customer service again and after a 2 hr wait of transfers from customer service to the Fraud dept I was told that they were re-billing me because the chip could not be duplicated and that the expenses were mine, I asked to speak with a supervisor and was told that someone from the Fraud dept would call me back. In XX/XX/XXXX of XXXX  I got a call from a woman in the fraud dept and after explaining the situation to her she said again that they would investigate the situation again and tasking her to please send me a letter in the mail and not via internet since I have not been able to log in since I last paid my bill and no one has help me to reinstate in the system and up until now I still have no access in the system and I am still waiting for the letter of decision that she promised I would get. XX/XX/XXXX I get another statement from Chase via internet for the amount of {$390.00}. I called Chase cc services again and after 1hr 45 min I got transferred to the Fraud dept again and was able to speak with a supervisor name XXXX. XXXX promised to investigate and call me back either the same day or next day. I got a call on XX/XX/2020 from XXXX and again he said that I was responsible for the bill and that if I wanted to have the company appeal the case he offered to give me information on the charges to one of the companies that were charged in person and do my own investigation and resubmit to Chase so that they can reconsider my case. I have paid chase for the expenses that I made through Amazon and I will not pay for what is not mine. I need help.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Chex Systems Inc. ( ChexSystems ), a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S. Code 1681a ( p ) and 15 U.S. Code 1681a ( x ), is reporting information about me without my consent. I did not authorize, consent, nor benefit from the information they report about me. Chex Systems Inc. violated my federally protected consumer rights. Pursuant to the FCRA, Chex Systems Inc. is not to report information about consumers unless Chex Systems Inc. has permissible purpose. Pursuant to 15 U.S. Code1681 Congress require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. No information that Chex Systems Inc. reported about me benefit me, I authorize, met the needs of commerce, fair and equitable to me with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. 

Chex Systems is on notice for its wrongdoing. Attached with this complaint are a Notice to Cease & Desist, consumer report listing several FCRA violations, along with additional documents.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As these 5 transaction aren't mine and when i reported it to you guys, you guys quickly denied my claim through a letter, this is no help!! I'm not sure why you guys are treating me this way!!! i called back to you guys and you guys told me that you guys would investigate but nothing ever happened but only denied me for no reason what the deal!!
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for XXXX XXXX and Capital 1 through an ad on XXXX. Both of the consumers stated that it would be a soft inquiry and would not affect your credit score! This needs to be addressed if they are pulling hard inquiries and being deceptive to applicants!!! I have screen shots but only camera comes up not able to upload screenshots of companies stating " see if you qualify with no impact to your credit score ''.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I mailed the payment to citibank on XXXX XX/XX/2021 they state they do not have it and on the back of the statement they state that if they get the mail by midnight they will post that day. They will not look into the payment until the check clears the bank. Payments have been extremely slow by mail to the KY and PA address they provide
Consumer complaint received 2022-04-29
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: CBC Companies, Inc. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or XXXX ) credit report XXXX My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-04-29
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: Bay Equity LLC (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-04-29
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 : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX XXXXXXXX  ) Account # XXXX, ( XXXX XXXXXXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 2021-01-29
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. (PA)

To whom it may concern, from my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AFNI is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with AFNI. I have never received any correspondence from AFNI stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that AFNI owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. AFNI is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure AFNI understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in AFNI 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (DE)

I have registered both my cellphone and business line on the DNC List making sure that I was not contacted by my debt collectors as I am working to remedy my status with all debt. Navy Federal has not acknowledged my listing on the DNC and continue to call me daily even after registry. This is not right. I am seeking resolution and protection from unfair debt collection practices.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (IL)

I want to bring to your attention a great injustice done to me by my mortgage company Loancare LLC ( actually XXXX ) by reporting me to Credit Birou with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX , my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted Loancare for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX . 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with Loancare on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider Loancare beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!!

Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Consumer complaint received 2022-04-29
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 : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXXo ) Account # XXXX, ( XXXX XXXXr ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXXXXXX XXXX XXXX  Account # XXXX, ( XXXXXXXX XXXXXXXX XXXX Account # XXXX, ( XXXX XXXXl ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (GA)

US Bank responded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting XXXX, yes, XXXX, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By US Banks own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to US Bank, was payment activity, not use. The way US Bank is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

US Bank is actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

My wallet was stolen by a friend back in 2014 and she took it and wrote a fraudulent check of some sort on my behalf, I never heard from her ever since so chase closed my account even though I called and reported my card stolen once I saw some odd transactions and they still closed my account I called back to make amends and pay off the overdrawn account that was not my fault or doing and they said I would be able to open a chase account after I paid it off so I did because I would like to be a chase customer again. I went to a branch and opened an account twice and both times they were closed with no rhyme or reason. I am a full time XXXX student and full time worker and i would just like to be able to keep my chase account I applied for again recently and got a letter in the mail saying my account will be closed again. I would like to get an answer as to why I cant keep it open? Its for the secure checking account and I would really like to be a chase customer can someone please help me. I tried to do the right thing and paid off the balance in hopes I can open my account again and I dont think I should be held accountable for something that was a mistake I didnt want my wallet to get stolen even less from a friend who did that fraudulent act with my card. They can compare signatures and I never signed like that so why would they just not reject the check. Please someone help me.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Consumer complaint received 2018-02-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stewart Information Services (MD)

on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

XX/XX/XXXX Called my cell phone from an unknown number. Didnt leave a message. Immediately called wifes phone.

XX/XX/XXXX was able to speak to someone other than dead air. Stated they were looking for my wife about a potential action against her. Called from an unknown number. Asked them for a phone number to contact them at. ( XXXX ) XXXX extension XXXX.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : 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 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian and XXXX multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.