davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

we opened a bank account for our company at Bank of America. We are just beginning and the deposits made to us are to start the advances to start the work for which our clients hire us. The bank is holding our money for up to 10 days, justifying that our account is new. The first time a check was deposited and we understood that it was withheld while the funds were made effective from one bank to another and it took 9 days to deliver the money, although our client had already had the money deducted from his bank account, and yesterday first XXXX a client deposited us a cash check to avoid the withholding of money and that the funds were available quickly and today we record retention of the check and that the funds will be available on XX/XX/XXXX. We are a company that is just beginning and this situation is affecting us because our company may be forced to close due to lack of resources and we are giving our clients a bad image by not being able to start the work for which they hired us on time.. The first deposit was made with a check for {$25000.00} on XX/XX/2022 and the money was in our account until XX/XX/XXXX, The second deposit was made with a cashier 's check for {$10000.00} on XX/XX/2022 and they say it will be available until XX/XX/2022. We contacted Bank of America and they tell us that the only solution is to wait
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

WESTLAKE FIN XXXX Date Opened : XX/XX/2015 Balance : {$9100.00}
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

I had a chase checking account that I have upgraded to Premier Platinum Checking in XX/XX/2018 and at the same time with the same banker opened a total business checking account as with the Premier Platinum Checking, it will have no monthly service fee on this account. It was confirmed with the banker when I open this account but yet a $ XXXX monthly service fee and Chase ACH Monthly Payment Fee $ XXXX/month was applied to this account when no ACH Payment was ever made with the account. 

No matter what I do after discovering this overdraft and NSF, I have had transfer funds between my personal and business account and try to cover purchase but as I am not able to log in every day to monitor or meeting the cut off time at times and once the overdraft started i.e it was 3 {$20.00} transaction overdraft 1st day being charged {$34.00} ( standard NSF fee ) *3 the max chase have set {$100.00}, even when I have covered the amount of the purchase by depositing {$60.00}, but because of the NSF fee, my account continues to overdraft, and many times I have deposited more than the amount to cover the purchases but because of the continue in debt of overdraft fee which many will not trigger if it wasn't for the unnecessary fee charged that supposed to be waived, it ultimately troubles me financially. Even on an item that was not paid, I was charged for returning the item? 

In this past year, I have been charged in total over {$1200.00} which in my opinion over {$1000.00} of these fees are problematic. and over {$800.00} just from XX/XX/XXXX to today alone in my personal account. in the newly open business account, it had in total resulted in a loss in my account of over {$800.00} solely in fees. Some of these fees were refunded when I contact but many are not and I still continue to be charged this fee despite I was told ACH Payment service will no longer be active as I did not activate it. When the fees were refunded, they were not back dated as it was charged in error as otherwise some of these NSF would no longer even had been triggered that put me in this fee debt trap I am in right now
Consumer complaint received 2022-08-02
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. (TX)

In accordance with Fair Credit Reporting act XXXX, all this accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-02
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. (CA)

CALIFORNIA XXXX XXXX CONTINUES TO ILLEGALLY PULL MY CREDIT REPORT. I HAVE ASKED THEM TO STOP. THEY PULLED A REPORT ILLEGALLY THRU EXPERIAN ON XX/XX/2022 CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA ( XXXX ) XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westhill Financial (CA)

This company has been calling me about a debt that does not belong to me. I have no business or dealings with XXXX XXXX. I ignored the calls and eventually blocked their number. Today I received an email about an unauthorized, fraudulent E-Check drawn on my account from WESTHILL EXCHANGE LLC. I never gave them authorization to debt any of my account. I never received any formal written notification of the debt or before the transaction was attempted. I demand this transaction be canceled.
Consumer complaint received 2022-08-24
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 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 hand written instructions.
Consumer complaint received 2022-12-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (OH)

This is not about XXXX XXXX but it is about Central Portfolio Control Inc, who bought an old payday loan debt from XXXX XXXX and have been TEXTing and calling my father, who is XXXX XXXX XXXX and was NEVER on my loan listed : they keep sending him texts about resolving MY debt as a XXXX XXXX XXXX woman. I have asked them to stop contacting my relatives!
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

Complaint was filed on Ally to post my payoff to my account and provide an letter. Ally posted the payment, provided a letter but FAILED to report the account as paid in full with all three Credit Bureaus. The three Credit Bureaus are showing a open account with an balance of $ XXXX which is incorrect! The account should show {$0.00} and should be closed!
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CA)

Within the past week, XXXX XXXX from LVNV funding contacted a relative, gave detailed and personal information about me, and about the debt owed. She used scare tactics and false information. She also gave out my address, and birthdate, among other information.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX at XXXX am we attempted to deposit {$260.00} into my Wells Fargo checking account to pay our phone bill. XXXX sums of money were taken & attempted to deposit one more single {$50.00} bill. This {$50.00} bill jammed in the atm machine. We spent all morning trying to contact them to report a claim, I was told I would hear back within XX/XX/XXXX hours. Nobody called. The atm has credited XXXX cent & said it would have the deposit in XXXX days. On XX/XX/XXXX our card was then after found making attempts at fraudulent purchases XXXX counties away, claiming it was inserted. We again contacted Wells Fargo to submit claim & have our card replaced. We are now on the XXXX of XXXX with no activity to stop the fraud purchase from going through but it posted on Wells Fargo instead & they have yet to credit our account. We are now also over drafted with no way to deposit again to keep from receiving the fee while they have still yet to credit my deposit. I am out almost {$300.00} now because of this series of incidents & my phone has been shut off due to non payment because my deposit has yet to go through a solid week later. Nobody from the bank has followed up with us or emailed our message center online they claimed they would contact with. Wells Fargo has taken & stolen our money at XXXX & done nothing to progress or update this investigation!
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

I'm a US citizen living in the XXXX for the last 5 years - I've been banking with Chase since long before my move & maintained a Chase savings & checking account until a few days ago. This complaint is twofold : XXXX - Chase is refusing to cover me on fraudulent/unauthorized transactions against my checking account, citing a T & C protecting me for only the first 60 days from the first fraudulent activity, & 2 - Chase subsequently closing my account ( due to the fraudulent activity ) & removing all information from my client login page ( significant balance, account documents, historical transaction information, etc ... ) without any formal notification or way of accessing this information. 

Complaint 1 - I've maintained my Chase account for the 1-2 small ongoing USD transactions I have per month but don't use it too often & don't tend to check the balance each month on account of the infrequent usage. On Friday, XX/XX/XXXX I logged in to check out whether a transfer had arrived & I noticed a significant number of fraudulent transactions from various XXXX accounts ( not mine ). I investigated & noticed the first of these transactions ( 2 deposits & 2 withdrawals less than {$2.00} - can't give you exact amounts because of Complaint 2 ) on XX/XX/XXXX. There were subsequent withdrawals of {$990.00} on XX/XX/XXXX, withdrawals of {$330.00}, {$110.00}, & {$22.00} on XX/XX/XXXX, withdrawals of {$330.00} & {$59.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and another {$350.00} & XXXX on XX/XX/XXXX. I contacted Chase to let them know & they asked me to indicate all fraudulent transactions, which I did. They then told me they would only protect & refund me the fraud for the first 60 days from the first transaction ( starting XX/XX/XXXX ). When I tried to question how this was possible I was told to consult the T & Cs of my initial account opening pack ( from many years ago ) then subsequently accused of being negligent when asked how they couldn't have noticed the activity given it was so different from my normal spending habits. I was told there was no way to 'quarantine ' my account from other withdrawals & after being passed around to about 15 different people on the phone ( & explaining my situation about 12 times ) I was finally informed that my account would be locked down & I would then need to come into a branch to collect my balance. 

Complaint 2 - In subsequent days ( estimated date XXXX XXXX ) I have received no official notice from Chase & when I log in my account & all historical statements are gone, leaving me with no information. I have no idea where my balance is, what happens to it, & no access to any historical transaction information, which I find wholly unacceptable.
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-28
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. (NC)

dear to whome this may concern i reported to credit bureaus on the inquires on the reports are fraudeulant and i did not authorize these inquires and that they be removed immediately and got no response! also reporting the correct personal info on the credit report with one address and one name spelled correctly.
Consumer complaint received 2021-12-28
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

I did not have this credit card JPMCB CARD Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Payment History JPMCB CARD XXXX Credit Card Individual XX/XX/XXXX Open. {$110.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$17000.00} Highest Balance {$9300.00} Terms NA Balance Histories Scheduled Date Balance Payment XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$34.00} XX/XX/XXXX {$110.00} {$40.00} XX/XX/XXXX {$110.00} {$40.00} Paid {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

In the fall of XXXX I closed out my account with Best Buy. I sent in what I thought was the balance. I was wrong. Here 's the thing. I did not find out until recently when I went to apply for a loan. It showed I had no payment to Best Buy / citi since that time. I NEVER received a call, email, or letter stating I owed anything during the ENTIRE time since I sent payment. 

Upon calling card services ( multiple times to include today XX/XX/XXXX ), they tell me my only recourse is to pay the balance but they can do nothing to remove the charge of or fix my credit issue. THIS IS THE ONLY DING ON MY CREDIT REPORT! 

I believe the original amount shorted was about {$250.00} which I would be glad to pay, but again the CC phone center people stated it has to be the full amount, and they can't help. They also say I can send a letter, but there is no email or phone number for contact to resolve this! 

This is unacceptable to say the least. I need help so I can resolve this. It is completely unfair that I was NEVER contacted, have to pay more than owed ( which I would have gladly paid! ), and now have to pay double!
Consumer complaint received 2021-08-03
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. (GA)

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2021-09-30
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. (MI)

XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?
Consumer complaint received 2021-10-18
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: SYNCHRONY FINANCIAL (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be 60 days late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payment was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. Remove this account immediately.