davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK OF AMERICAN SO THIS REGUARDING CHECKING ACCOUNT ONLINE BILL PAYMENT THAT WAS AUTHORIZED ON MY BEHALF SO THE BANK OF AMERICAN CUSTOMER MADE ONLINE BILL PAYMENT OF XXXX CENTS FROM CHECKING ACCOUNT AND BEFORE THE BANK OF AMERICAN CUSTOMER MADE BILL PAYMENT FROM CHECKING ACCOUNT THERE WAS FUNDS IN MY CHECKING ACCOUNT BALANCE TO COVERAGE THE RECENT TRANSACTION HISTORY PAYMENT THAT WAS AUTHORIZED MADE VIA ONLINE BANK OF AMERICAN ONLINE ACCOUNT THE PAYMENT TRANSACTION AMOUNT WAS DEDUCTIBLE FROM MY CHECKING ACCOUNT BALANCE BEFORE THE PAYMENT AMOUNT WAS SENT TO XXXX XXXX XXXX XXXX AND AFTER THE PAYMENT AMOUNT WAS MADE TO INSURANCE COMPANY I CHECK MY TRANSACTION ACCOUNT BALANCE BEFORE THE XXXX XXXX XXXX PAYMENT WAS MADE AND MY LIFE INSURANCE AGENT CALL ME TODAY AND TOLD ME THE CASHIER CHECK SHES RECIEVE BY VIA MAIL DID NOT HONOR FROM BANK OF AMERICAN CHECKING ACCOUNT MY XXXX XXXX XXXX XXXX CALL ME TODAY AND TOLD ME THAT THERE WAS INSUFFICIENT FUNDS IN MY CHECKING ACCOUNT BANK OF AMERICAN CUSTOMER SERVICES TELEPHONE NUMBER XXXX THE BANK OF AMERICAN CHECKING ACCOUNT CUSTOMER DID PLACE STOP PAYMENT ON THE OUTSTANDING CASHIER CHECK THAT WAS MAIL FROM MY BANK I CAN PROVIDE BANK OF AMERICAN CHECK NUMBER XXXX THIS WAS THE RECENT CHECK NUMBER THAT WAS ISSUE ON MY ONLINE BILL PAYMENT ACCOUNT HISTORY SO NOW BANK OF AMERICAN TELLING ME THEY NOT GOING TO REPLACEMENT FUNDS BACK INTO MY CHECKING ACCOUNT SINCE THEY DID NOT AUTHORIZED THE PAYMENT TRANSACTION PAYMENT AMOUNT ON MY BEHALF ONCE AGAIN CUSTOMER CHECKING ACCOUNT SHOULD COVERAGE FDIC INSURANCE OF CERTIFICATE DEPOSIT SO NOW BANK OF AMERICAN CUSTOMER GOING HAVE TO OWED PAYMENT FOR TWO MONTHS XXXX FOR LIFE INSURANCE PAYMENT NOT BEING PAYMENT ON TIME
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I am recently look at debts and negative information on my account because i'm just getting back on my feet. I'm a XXXX military veteran who was XXXX due to XXXX XXXX while in the military. While XXXX I was being taken care of by my family ( kids, their mothers, and my parents ). I had to XXXX XXXX XXXX XXXX XXXX XXXX, and focus through drills and XXXX XXXX. While all of this was going on, there were accounts that may have been opened without my permission and I was taken advantage of by my own family. My credit is horrible because these accounts were opened with no intentions of repayment and i've tried a million and one times to get this stuff taken off. The truth of the matter is that it doesn't matter what happened to me, this company just wants their money. I am asking for help as I feel so helpless in getting all of this fixed and I dont know what else to do because I can't afford a lawyer. PLEAESE HELP
Consumer complaint received 2021-07-02
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

I have a forebarance for the months of XXXX, XXXX and XXXX but my loan servicer still put through a {$510.00} payment which caused our checking account to become negative in the amount of {$650.00} including overdraft fees, the put it thru on XXXX the XXXX and it is now XX/XX/XXXX, I have asked them to put the payment of {$510.00} back into the checking account but they have not up unto to his point!! Please help me resoulve this problem. My phone number is XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that I had XXXX to XXXX late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

In XXXX of 2021, I began receiving collection notices from Bull City Financial Solutions , Inc for a medical debt from XXXX Hospitals. First, I was not given proper and legal notification that the debt could be challenged. 

The collection agency is in violation of the North Carolina Fair Debt Collection Practices Act which is functions separate from the Federal version of the law.
Consumer complaint received 2021-07-01
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. (FL)

I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. 

Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. 

I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

On XX/XX/2024, I received an email from Credit Karma, that my Save account has been locked for my protection. Upon checking my account, it states both account are frozen. I also have a checking money spend account. The email stated, I had to wait for an email for me to confirm any information. It also stated, that I can call in and say Resolution Team. When I called the number, I was told that there is no resolution team to transfer me to, and the only form of communication is through email. I havent been given any answers to ANY of my questions, only been told to wait for a response from resolution team. It is the beginning of the month, I just got paid the previous day, and I have bills to pay. I dont have access to my money, and I dont have any other bank account with money to pay my bills. It seems I am getting the run around, Ive XXXX  this issue, and it shows other people have had the same issue. I was not contacted about potential fraud or nothing, just an email saying my account is locked. They also have lied through chat that they couldnt pull up my account because Ive contacted them from a different email. All of my correspondence has been through the same email associated with my account. I wasnt contacted about my account being locked before it was, and every customer service agent I speak with, says they cant offer me that information because they do not know. I even tried speaking to a Supervisor and still received the same results. Please help!
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Our Bank of America Visa card has been on autopay for the last six months. We tried to use the card today ( XX/XX/20 ) and it was declined. We called Bank of America to find out why and they said it was non-payment of last month 's bill. We noted that the card has been on autopay for many months and customer service said it was taken off autopay last month ( we never did that ) and they said we had to pay our bill plus penalty plus interest. 

I asked customer service to tell me where on our credit card statement it says autopay is on/off. She said BANK OF AMERICA DOES NOT PRINT THAT ON THEIR STATEMENTS, YOU HAVE TO LOGIN ONLINE TO SEE THAT. 

We have three complaints : 1 ) Our account was on autopay and Bank of America took it off autopay and we incurred extra charges because of that ; 2 ) We were never notified that autopay was removed from our account ; 3 ) A financial institution such as Bank of America should be required to print on their statements whether autopay is on or off.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

this company continues to violate my federally protected consumer rights, even after I sent in a dispute letter to the Bureaus. 
here listed are 12 violations they have committed again my rights as a consumer. 
And also violating my right to privacy as a consumer, exploiting my medical records ( hippa violation ). 
I will be seeking monetary relief and deletions of my information from their database.
Consumer complaint received 2017-07-08
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. (NC)

I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
Consumer complaint received 2019-11-07
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. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (NC)

I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am trying to purchase a home and everyone has been super cooperative and understanding, except Kohls Department Store. My lender, credit reporting agency and myself have been trying to get them to help us for 45 days and have made buyers and sellers wait, putting them in financial hardship. We have spoke to numerous people, got numerous promises, spent hours on hold, contacted headquarters, and have been yelled at and treated poorly in more times then not. We asked for two things that were needed to get my loan and purchase home. One was a zero balance letter that finally received after 30 day of inquiries and waiting. The next was a 30 day late I had when i was sick during pandemic. I have been a valued customer for over 20 years. I was verbally told yes twice and then called and said it was completed. Now i received a letter stating the will not do this. I have spent so mych money on appraisal and attorney to after 45 days have the deal fall threw because of one company and a unique situation.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have a borrower defense application in process and am in an administrative forbearance. Even though I have not recieved any notification from the department of education or my servicer Aidvantage about the status of my borrower defense application, my servicer took me out of administrative forbearance with a due date of XX/XX/23. I have not recieved any communication from my servicer. I have tried to call them but can not reach anyone. Please intercede on my behalf and get them to stop this.
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2019-11-07
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. (MO)

I have a fraudulent account showing on my equifax report from a XXXX XXXX XXXX XXXX. I have never had any account from this company and I have tried working with equifax during the spring of 2018 to get this account cleared to correct my report. This account does not show on any other report of mine besides Equifax. I need this corrected, it is effecting me negatively and i have had issues being able to secure anything that requires my credit. There should not be any first financial account showing on my report because again this is not an account of mine and i did not open any accounts with this company ever.
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2020, I attempted to make a deposit into my Huntington Bank checking account by using a XXXX XXXX XXXX ATM, located at XXXX XXXX XXXX XXXX, XXXX. Upon depositing {$190.00} cash into the ATM, the machine gave me an error message and created a Deposit Exception Record. My account was not credited nor was the cash returned to me. 

The following day, I spoke with some employees at the XXXX XXXX Bank about this. They explained that I would need to have Huntington Bank file a dispute with XXXX XXXX to receive my funds back. 

I then explained the situation to the employees at my local Huntington Bank, located at XXXX XXXX XXXX XXXX XXXX. They assured me that they would handle the situation. A few days later they confirmed that they had taken care of everything and my account was credited for the {$190.00}. 

The next day, my account was debited for {$190.00}. XXXX sent me a vague letter stating that the credit was " not needed. '' I worked again with a banker at the local branch. They were not able to find out much and told me to again contact XXXX XXXX. 

I again contacted XXXX XXXX. They were able to confirm that they had found the {$190.00} cash in the ATM after it errored. However, they explained that they could not give me the money back unless XXXX filed a formal dispute with them ( which they apparently have never done ) or issued a Hold Harmless letter. 

Since then I have contacted XXXX numerous times to explain the situation and ask the bank to do one of these two things. This includes several in person visits to the bank along with about 3 calls to the XXXX number. XXXX employees appear concerned, but do not seem to actually be able to do anything. I have NEVER received any communication back from XXXX after making my request. They will not even issued me a letter my request, they simply ignore it. 

I do not know what to do at this point. XXXX is completely uncooperative, and XXXX XXXX has made it clear that they will not return my money without a dispute or hold harmless letter.