davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (SC)

A personal check was deposited on XXXX, to my Navy Federal Credit Union for the amount of {$17000.00}. 
The bank noted that it could take up to 3 business days to release the funds. After the funds were released and deposited into my account, I used the newly deposited funds. After the funds were used, I was sent noticed that my account was not on an overdrawn status. 
After speaking with a lady named XXXX who is a representative from the bank on XXXX, she told me that the check was no good but the bank releases the funds early to their customers. The actions taken by this financial institution put their customers in a situation where the bank essentially releases the funds on an unverified check ( after 3 days of supposed/standard verification ) and after the funds are released and used, the bank bounces the check, therefore collecting fees from customers ( VETERANS ) on a completely avoidable situation they created.
Consumer complaint received 2023-01-12
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. (IL)

XXXX Ad XXXX of XXXX Description In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America reported to XXXX  and other credit agencies that they had closed a credit card account at my request and reported that the account was 30 days delinquent in payment. This was reported by BOA to credit bureau on XX/XX/2020. This was not my account. I was an authorised user on the account but not a co borrower. The BOA agent on the phone made it clear that I was not responsible. It was the account of my deceased husband. I contacted Bank of America to try to resolve this in XXXX of 2020 and they said they would take care of this if I sent my husband 's death certificate to them. I didn't see how this was relevant to my concern but I did as they asked. This is still showing up on my credit report 10 months later. The late payment amount was {$110.00}. when they closed his account. The balance on the account was {$3500.00}. which their report indicates they " charged off. ''
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (AZ)

there are several collections that don't belong to me and late payments that are not factual there is a XXXX doc attached that details each item in question that I tried verifying 2 months ago and called to follow up but the said they never received my disputes. I feel like I have been lied to
Consumer complaint received 2023-01-12
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. (NV)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I was called on XX/XX/XXXX by a fake police officer claiming to be from the XXXX police department. The phone number they called from matched with what I searched on XXXX. They told me my SSN was stolen and I was a victim of identity theft and that I was associated with multiple crimes in various states. I was told I had multiple bank accounts, vehicles, and properties linked back to me. They told me that they were in process of shutting down all of the bank accounts and that I had to transfer my money to a safe location for safekeeping, and it would be returned to me once I got a new SSN. They kept me on the phone and scared me into thinking I was being monitored and in danger, and if I didn't act fast I would lose everything or be arrested. I did the wire transfer exactly as they asked me to, and they even told me everything to say to the banker. I was told they would send four officers to my residence to conduct an " interview '' about this case to figure out why my SSN was leaked. I said I didn't want anyone to come to my house, and that I want to speak to a police officer in person at the police station/headquarter. I was met with resistance but then they said they would meet me the next day at the social security office building at XXXX, and they sent me a PDF appointment letter that looked like official social security letterhead. They told me to delete my entire phone record.

After this phone call I suspected a scam and went to the police department to report wire fraud. I submitted an IC3 complaint to the FBI. I went to my bank and had them recall the wire, but was told this was going to take 3-5 business days ( which is too long for this type of wire scam ). I spoke with an FBI agent who contacted the XXXX XXXX ( where the funds were transferred to ) police. I submitted a police report to the XXXX XXXX police. 
On XX/XX/XXXX I was told by the FBI agent that all of my money had made it to the XXXX XXXX bank and was already moved into many smaller accounts that could not be traced. This contradicts the information on my wire transfer receipt that shows that DATE FUNDS AVAILABLE TO RECIPIENT : XX/XX/XXXX. 
This makes no sense as my money is already gone, per XXXX XXXX XXXXFBI report. My money should not have made it all the way to their bank before XX/XX/XXXX according to my wife transfer receipt. I was being told on XX/XX/XXXX that it was already gone and unable to be retrieved. This should not have happened according to the information on my receipt.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX   account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access online banking properly. I found out a fraud transaction on the account later when I have to go to another branch and go over all my transactions. At that time, I wasn't trying to use the account or the debit card since it won't go through at ATM, so I wrote the pin on the card. 

I lost cards, new XXXX XXXX cellphone, charger, adapter, clothes, bracelet, etc. around that time with a police report. I couldn't do anything with no access to get back to normal, missed out a lot of things, checked in hospital for an XXXX  still suffers pain on my hand and knee. 

The bank won't consider anything, but what they said is unreasonable, not to consider my complaints and just closes it. When I ask them to provide proof of who authorize it, they keep saying emailed me, but I didn't respond. They repeat the same thing with no documentary proof, recording or photo copy of anything, yet they could easily stop it by suspend the transaction. 

It's a horrible banking practice with such abusive, irresponsible, bad altitude to a long time customers. Hope the person who responded to last complaint not to mistreat customers with wording but with good faith and solid proof!!
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

On or about XX/XX/2020 I cancelled credit monitoring with Experian. I received a refund of {$24.00}. I was charged {$27.00} today, XX/XX/2020 for membership which I did not authorize. Looking back through my bank activity I noticed I was also charged {$27.00} on XX/XX/2020. I called Experian today, XX/XX/2020, and they cancelled my paid membership and changed it to a free membership. The Experian agent said she could not credit my card for the membership but, instead, would need to contact my bank and dispute the charge. If that is true, which I doubt, why were they able to issue a refund in XXXX, 2020? 

Because this has happened multiple times I am submitting this complaint as I do not have confidence that canceling my membership will not result in future charges. I should not have to continually monitor my bank account for unauthorized Experian charges.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NC)

This company has not tried to work with me during a pandemic. I asked can I get my payments lowered because {$530.00} is a lot a month, I was told no. I asked to split it every two weeks. I was told no, just make two payments online. At the end of the loan I still have to pay the total why can not I pay $ XXXX {$350.00} a month. I regret ever taking out a loan with this company. Please help
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

I went to a seminar and thought I purchased a time share, I later realized what I had was a membership, not real estate. Even though the contract says membership, I was confused because of what the sales rep said, escrow is ownership. I went back to the office of XXXX ( XXXX XXXX XXXX XXXX ) in XXXX, CA. and saw one of the salesman who signed me up in the parking lot. I explained to him that I was confused with all the high pressure tag teaming, switching to managers and everybody shouting when new people signed up. He told me its basically impossible to get out of the loan and I should look into using the service. After, trying to book reservations on more than one occasion, I gave up. They said there would be no problem booking or getting reservations, that was not true. They promised FREE trip incentives that are impossible to book AND end up costing money if it is even available. They lied about the incentives to sweeten their deception. I have never used their services and I put my savings of {$1200.00} down. I was then and still am on social security XXXX so I dont have money to throw away to a company who was not truthful. XXXX XXXX XXXX XXXX has put {$7200.00} on my credit and now Monterey Financial Services is trying to collect. I called XXXX XXXX at Monterrey to get the agreement so I could later explain my complaint but he went straight in saying they are going to take legal action against me. The tactics they used were deceptive and misleading. Please help me resolve this issue as I a trying to get permanent housing.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

To Whom it may concern, My Wells Fargo credit card is still showing open on my XXXX even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of XXXX to the current XXXX.
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

I made a purchase of an item through a webpage called XXXX and they only allowed me to use PayPal for the item. I found out the website was fake and when I tried to communicate with them by email ( 6 times ) and never got an answer back. I submitted a claim with PayPal and they denied it saying it was a billing dispute. XXXX opened up an investigation and gave me a credit on my account for {$390.00} the amount I paid for the computer i never got. The next day PayPal also sent me my money back, Im assuming it was because XXXX inquired about my complaint. After a week or so I called XXXX  back to ask them to take back the credit they gave me as I had received my money back from PayPal. Now Im getting emails and phone calls from PayPal telling me I have a {$390.00} deficit on my account and they froze my account until they receive {$390.00} payment. 
I called XXXX and was told someone canceled my complaint with XXXX  and thats why XXXX has not returned PayPals refund. I spoke to XXXX Bank again yesterday ( XXXX ) and they researched the entire process and said I've done nothing wrong and i don't owe PayPal anything that they received there money back. I tried numerous times to talk to PayPal " Limatatons '' department they put me on hold and never come back! I honestly don't know what to do now.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2020 I sold a XXXX XXXX Lighter on PayPal ( Item  # XXXX ). PayPal states the sale Total as {$9.00}. 
2.9 % Commission plus XXXX cents is XXXX cents. PayPal charged XXXX cents. 
Upon calling PayPal at their number XXXX there is no Customer Service Employees Working due to the XXXX Virus ; not from their houses, not from their bedrooms. They then disconnect me. 
PayPal Inc. Attorney XXXX XXXX never answers his telephone at ( XXXX ) XXXX ; it is unknown where he is working from. 
They have a new " Resolution Center '' on their website, but it is inferior and as soon as PayPal is noted as the one in Error, the PayPal Inc. Resolution Center sas " there is no problem to resolve '', and disconnects.
Consumer complaint received 2021-09-21
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

I filed a dispute with Chime Bank on Monday XX/XX/2020 regarding a credit not posted from a merchant that promised me a refund and even provided me with a refund confirmation number, which I forwarded to the bank. I was asked to submit a written statement about the dispute, which I provided to the bank on XX/XX/2020. At that time, I was advised my claim was eligible for a provisional credit under Regulation E and that it would be posted to my account by Wednesday XX/XX/2020. On Monday XX/XX/2020, my dispute was erroneously changed to " service not received '' and I was then advised my claim was no longer eligible for provisional credit. I immediately contacted Chime Bank to discuss this issue. I was told that it was escalated and they acknowledged the dispute type was changed back to credit not posted. I did not see the provisional credit applied to my account today so I contacted the bank. They advised me that " the time resets '' when a dispute type is changed, and that my claim is now again eligible for a provisional credit which I can expect to be posted by XX/XX/2020. I then asked to speak to a supervisor. After spending an hour and a half on hold, XXXX, the " supervisor in charge '' of the dispute department was extremely rude to me. He told me that I was not going to be receiving a provisional credit at all, and then hung up on me. I contacted the bank again and at this point no representative is helping me. I have sent numerous emails to XXXX and XXXX which have also gone unanswered. I have great concerns with the conduct of Chime Bank, as well as their mishandling of disputes. The dispute process is critical and consumers are typically reporting a dispute on their worst day. To have my dispute totally mishandled and be forced to wait an additional 2 weeks, making it almost 30 days before I am receiving a provisional credit is disgusting. Please help me fix this. It is crystal clear they are refusing to abide by Regulation E and are making their own rules.