davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Flagstar Bank, N.A. (MI)

Here is what happened at Flagstar Bank, XXXX XXXX XXXX, XXXX Branch, MI. 

XX/XX/XXXX -@XXXX XXXX, Submitted a personal check from Chase for {$30000.00} to credit into my Business account. I wanted to transfer the fund to my trading account by next day but I was told that it takes max of 2 days before it can be transferred. 

XX/XX/XXXX - Checked my Flagstar business account balance. It did n't show the credit.

XX/XX/XXXX - Checked again in the morning and afternoon. Did n't show the credit. 
XX/XX/XXXX - Same. Did n't show the credit XX/XX/XXXX - Same. Did n't show the credit. 
XX/XX/XXXX - Checked and did n't see the credit, I got annoyed with the delay. Called the XXXX branch office and enquired about the status with the manager. 
The manager indicated to me that she sent a notification on XX/XX/XXXX stating that the fund transfer would be on hold. Pressing for details, she mentioned that she received an electronic notification from XXXX indicating that the funds transfer would be on hold. I was asking for Bank 's process in clearing local checks and the reason for such abnormal delay. She kept telling that this is normal and it is bank 's process. She asked me to follow-up with XXXX XXXX and bring the " cleared check '' so that she can credit into the Flagstar account. If not, it will be cleared after 6 days, on XX/XX/XXXX. 
Since, I already lost 4 days and needed the funds immediately, I went to chase and asked why my personal check is on hold for clearing. To my surprise, the officer told me that the check was cleared and sent to Flagstar on XX/XX/XXXX itself. XXXX XXXX officer gave me the " cleared check '' and my personal account balance showing that the check amount was debited from my account on XX/XX/XXXX. 
I took the " cleared check '' back to Flagstar bank and the manager credited the amount immediately. Here are my questions ; When the check was cleared by XXXX and sent to Flagstar on XX/XX/XXXX, why this was not credited to my account immediately? 
It is very clear that {$30000.00} was credited to Flagstar on XX/XX/XXXX and they were using the funds for the past 5 days ( XX/XX/XXXX thru XX/XX/XXXX ) without crediting to my bank account. To me this is fraud and as a business owner I lost the opportunity to make {$200000.00} in Day trading using this funds. I also went through lot of emotional distress as the funds were not available immediately. 
Flagstar needs to compensate me for the loss and STOP using customer funds. 
Thanks, XXXX
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IA)

I opened a secured credit card account with Discover in XXXX of 2017. They advertise this card as being able to graduate to unsecured after 8 months by which time it will be reviewed monthly to see if it is eligible to graduate and the security deposit returned. The criteria they list is " Its important to have responsible use of all credit accounts, not just Discover. This includes on-time payments, staying within credit limits and avoiding returned payments, among other factors. '' This canned statement is very vague. Monthly they check my credit report and do not provide me with an Adverse Action Notice ( as detailed in the FCRA ) about why they are denying to grant me credit in the terms requested. 

Trying to talk to customer service at Discover is like talking to a brick wall. They only give the same exact canned response and say that it's automated and no one can manually review it. 

This card that is advertised as being able to " graduate '' in 8 months is now sitting at about 34 months without graduating with no explanation of why or communication from Discover at all regarding this topic. During that 34 months, my credit score has jumped well over 100 points and all collection items have been removed as well as any other negative accounts and I've been able to be approved for any other credit I've applied for. If that doesn't qualify as responsible use of credit accounts, I'm not sure what does, and with the lack of transparency Discover has provided, I'm sure I never will.
Consumer complaint received 2017-10-11
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: Experian Information Solutions Inc. (IL)

I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for me.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.
Consumer complaint received 2023-05-31
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: AFNI INC. (TX)

XXXX XXXX XXXX XXXX address : address : XXXX XXXX XXXXXXXX, XXXX, XXXX  XXXX. Phone number : XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. XXXX XXXX XXXX XXXX, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. If this alleged item is not deleted from my report, I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to Ford and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate and incomplete credit information that you have included in my credit report. Frankly, I am extremely distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, and every effort must be made to ensure the accuracy and correctness of the reported information. I am requesting that you thoroughly reinvestigate the following information that requires proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. Failing to provide such evidence, the items must be promptly deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It is concerning that the other credit bureaus have already removed these accounts from their records, and yet you have verified them as correct. Please delete these from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I was the victim, and I am not sure why the CRA is not complying with the law. The other bureaus have followed suit. I am very confused why this one seems to ignore my requests. Also, I caution you that should you persist in reporting this false information without a rigorous verification process, I will not hesitate to seek a legal remedy. I have already consulted with my attorney on this matter, and he is prepared to initiate a federal case within 30 days of the date of this letter should the inaccuracies persist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been attempted to apply for a home loan and the false information on my credit report has made that almost impossible. There are Incorrect Addresses, false Inquiries, Late Payments on non existent accounts, late payments on open accounts, and wrong employment listed on my report which need to be removed immediately as they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681g and 1692g ( 5 ), my rights are being violated due to the inclusion of inaccurate and unverified items.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am submitting a new complaint once again to apprise you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and lodged an identity theft report once more, in accordance with FCRA Section 605b, where Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report. Enclosed are the ATTACHED documents intended to facilitate the removal of inaccurate information currently reflected on my report. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-26
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: Affirm Holdings, Inc (AZ)

I've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.
Consumer complaint received 2024-01-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 seven years.

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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (UT)

My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus
Consumer complaint received 2024-01-16
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. (MS)

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, TransUnion, and XXXX. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, TransUnion, and XXXX have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries.

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (TX)

On Wednesday, XX/XX/2023, I called AmeriHome Mortgage to get a payoff amount for my note. That payoff amount was posted in my documents in my online portal. It had the payoff amount that was due on XX/XX/2023 plus an additional daily fee of {$110.00} per day after XX/XX/2023. On XX/XX/2023, I sent a wire to AmeriHome in the amount of the payoff plus the {$110.00} due to it being the next day. The wire arrived after XXXX, so AmeriHome viewed it as short and expected another {$110.00}. They did not call. The did not provide any information on this in the portal. I called customer service on XX/XX/2023 and spoke to an agent who said it would be fine and that it takes a day to process wires received after XXXX XXXX on the previous day. Lo and behold, On Monday XX/XX/2023, I called customer service again because the rejected wire was not put in my bank account due to what they called the short amount of {$110.00}. I spoke to an escalation agent - XXXX ID XXXX XXXXXXXX and he said he would be sending the wire back, he was opening up a case and that he was filing a complaint on my behalf. All of which was not done as of XX/XX/2023 ). XXXX said that the " short wire '' amount would be returned to my bank account in 24 to 48 hours. That means at the latest, the wire transfer should have been received back in my bank on XX/XX/2023. On XX/XX/2023, the money is still not in my bank account, no case number had been opened, no complaint was filed and no answers were provided in writing, in a phone call, an email or a letter. AmeriHome held my money for a week and that costs me {$110.00} per day in interest. This is fraudulent and deceptive as the money is not theirs and by holding my money and delaying its return, they in essence maximize the amount of fees they are able to generate because each day that goes by costs me {$110.00}. There is no reason that they should have held my money as soon as they claimed it was short. It was wired to them and they should have wired it back. They are deceptively creating additional fees that is costing me real money and there is zero communication about the resolution from the company as of XX/XX/2023. Buyer Beware!!!
Consumer complaint received 2023-07-06
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. (TX)

Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.