davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

An ex XXXX employee stole my debit card info. I reported it to Wells Fargo and they denied the claim within a day. The amount stolen over a 6 month period was {$35000.00}. Wells Fargo 's claims team stated they couldn't prove i want involved and didn't approve the transactions. Why would I take my own money? 

I filed a police report, told them who i thought it was. The detective investigated and found proof it was her. She was arrested with XXXX charges of financial identity fraud. These are felonies and she could get up to 30 years. The attachment I'm sending is the police report along with her arrest information. She had to have a cash surety bond to be released on bail. 

I contacted Wells Fargo today. The detective brought me the report yesterday. I told them i wanted to reopen the claim now that there's proof. They stated, no they weren't going to reopen the claim and that i should call XXXX. I worked hard for that money for someone to take it and then for my bank to accuse me of being a conspirator. Again, why take my own money?
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting on my Equifax and XXXX  credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/XXXX.pdf http : //www.consumerfinance.gov/newsroomXXXX/
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation Discover card ending in XXXX XXXX I am writing to express significant concerns regarding Discover 's recent reinvestigation results on the account associated with my name. Discover 's failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

Discover allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that Discover 's actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt.

Discover 's failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues.

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

wakefield and associates are attempting to collect a debt, they are not authorized to do business in georgia and they have not provided verifiable documentation acknowledging that this is my account. I have no knowledge of such debt. This has caused a negative effect on credit files.
Consumer complaint received 2023-11-29
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: DISCOVER BANK (SC)

On XX/XX/2023 an application was submitted to Discover for a credit card that was not done or authorized by me. My credit report was pulled and a hard inquiry was done, resulting in my credit score going down. The account was denied and not opened, but someone has my information. I have reached out to Discover, and they are going to change it to a soft inquiry, so it will come off my report in 90 days. I have also notified XXXX of the fraudulent inquiry and they are putting a security notice on my report for the next year, which will also go to XXXX and XXXX.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

I, XXXX XXXX XXXX, obtained a personal loan from One Main Financial services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final XXXX payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months. 

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information.

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

I ordered a XXXX extended carseat during XXXX prime day in XXXX and i received a toddler booster seat instead. I reached out multiple times to XXXX and XXXX and no help. I disputed charge with apple XXXX for the {$150.00} was denied. Sent proof of direct email from XXXX stating they apologize for the mishap and prime days are always overwhelming and credit card can refund me but graco cant since bought on XXXX. I have not received refund just lots of frustration. Item i got was {$50.00} and i ordered a {$150.00} carseat.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (GA)

A collection was put on my account do to fraud. I was a victim of identity theft. I never physically went in XXXX and open a account. It had to be done on line do to my identity being stolen
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (PA)

I have reached out to the credit bureaus and First Progress regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 
Account number Date opened XXXX XX/XX/2019 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


You reported transactions from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person ( company ) making the report is not included on the consumer report yet you are reporting this information to my consumer report. 




The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 

I need the transaction deleted from my consumer report effective immediately.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Tuesday, XX/XX/XXXX, I deposited an emergency personal check for XXXX in person at the bank, drawn on an XXXX backed personal checking account. 

Within minutes at the bank, the funds for the check were verified as cleared. The funds were shown as withdrawn from the described source account at the same time. 

I was told by the bank that the funds would not show as cleared until the following day. By the time I arrived home, I received a notice from Bank of America that the funds were on an extended security hold ( 7 business days, i.e. 10 days ), and would not be accessible before or until the given precise time on the very last day of the extended security hold. 

I complained to no avail, including internal complaints, in-person visit, and XXXX XXXX XXXX filing XXXX The bank essentially had cash-in-hand, withdrawn from the source account, but in a float for the full extended security hold. The bank quoted their account policy, and then self-referentially stated they hadn't violated their own policy. 

This is the equivalent of depositing cash, but not getting it credited to the account for 7 - 10 calendar days. Bank of America claims they did no wrong, and " apologizes for inconvenience '', with no further action or acknowledgement. 

Upon research, this graft ( and fraud, in the legal sense of the word ) committed by Bank of America and its officers is a common-enough issue that there are class action lawsuits against the bank for misappropriating deposited funds. Bank of America is a crooked organization, and the evidence can be found in the XXXX XXXX Bank of America class action lawsuit filed in XXXX XXXX, Illinois on behalf of all Bank of America consumers with similar standing, regardless of state of residence. The case number is XXXX, and is attached here for reference. 

Bank of America has said they have done no wrong, merely changed their policy to begin bilking their checking account customers should orginal funds in the target account be less than the funds on deposit. This is an evasion. When the funds have cleared out of the source account, they are not " in transit ''. They are in a hold account that is used as rolling nightly float. Together with all the float funds that are automatically " put on extended security hold '' across America, the daily float runs around XXXX XXXX, often more, and over a rolling seven day period, the float fund can run as high XXXX XXXX dollars, taken from " little people '' who deposit checks that are instantly cleared, but not deposited for a full 7 - 10 calendar days. 

Bank of America is engaged in consumer fraud, with evidence.
Consumer complaint received 2019-01-31
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. (IL)

I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to transunion XXXX  XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Consumer complaint received 2023-11-29
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. (CA)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-11-29
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I am writing to bring to your attention the distressing situation I have encountered with my student loan servicer, Nelnet. I am reaching out in the hope that the CFPB can intervene and assist in resolving the issues I am facing. 

Over the past month and a half, I have made multiple attempts to contact Nelnet through emails and phone calls regarding my student loan. Unfortunately, my efforts have proven futile as I find myself on hold for over an hour each time without any resolution or response. This lack of communication has left me feeling frustrated and concerned about the status of my student loan account. 

Specifically, I have submitted a request to reduce my payment and transition to a new payment plan XXXX times within the last month and a half. According to Nelnet 's information, this application process should take XXXX days to complete. Regrettably, there has been no movement on my application, and I am left in the dark regarding the status of my request. This delay is causing significant stress as I am eager to address my financial obligations promptly. 

Compounding this issue is the fact that, due to Nelnet 's unwillingness or inability to process my request, my account is now marked as late. This adverse impact on my credit and financial standing further adds to the urgency of resolving this matter promptly. 

I understand that the workload for student loan servicers can be substantial, but the complete lack of responsiveness, the prolonged wait times on the phone, and the resultant late status on my account are unacceptable. As a responsible borrower, I am committed to fulfilling my financial obligations, and I believe that clear communication and timely processing of requests are essential components of a fair and functional system. 

I kindly request the CFPB 's assistance in investigating this matter and ensuring that Nelnet addresses the issues at hand promptly. Your intervention is crucial to alleviating the financial uncertainty and stress that this situation has caused me. I appreciate your attention to this matter and look forward to a resolution that ensures fair and efficient student loan servicing practices. 

Thank you for your time and consideration.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

To Whom it May Concern, DELL FINL SVCS XXXX XXXX incorrectly serviced my account, made it impossible to make payments, and will not remove the late payment mark from my credit history. A mark I could not have avoided due to their technical failures. 

In XXXX of XXXX, I tried calling the number listed on my mailed statement to pay my on my account to keep it current. The number listed was no longer in service. I then tried their web page, a representative told me I could not submit payments online for this account and I would have to send a check. I stated I had paid for years via the phone and they stated a change was made to these old accounts and they would only take a check. I tried in vain to find other numbers for Dell Financial Service that would answer questions about my account, but either found dead numbers or people who couldn't answer my questions. I sent a check to DFS on XX/XX/XXXX, past the posted date ( I had to order checks ) but not 60 days past. I received zero communication from DFS, only noticing in XXXX that my credit report was dinged for late payment on an account. 

Again all posted numbers in previous mailings I had received were dead lines. I called their headquarters several times until I got a human being who could accept my payment. They could not tell me what happened to the check, why the # 's posted and emails I had sent were unanswered, and when I asked if they could remove the late payment mark on my credit due to the circumstance, they said no one at Dell could do that. I then asked to escalate and was hung up on with XXXX resolution. 

The next month they sent a letter saying they had cleared my debt out, because my account was so old they could no longer service it. 

To summarize, I was able and willing to make payment on my debt. I made every good faith effort to contact them and pay on that debt on time, they never communicated a change in accepted payment method nor the deprecation of their payment/support line for my type of account. I mailed a check and they never responded with any issue or sent a letter of non-payment to say the check had not been processed. After finding a human that could take my payment, they still could not answer questions about my account. I feel like this mark on my credit history is extremely unfair and fear others may also be impacted with similar " older '' accounts.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TD BANK US HOLDING COMPANY (FL)

I sent a request Surplus / Deficiency Letter through first class mail and sent a 1099-C request letter on XX/XX/2023 and XX/XX/2023 to TD Auto Finance. I mailed the letters to the address they have provided the credit bureaus and on their website XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have yet to receive a response from them. They are reporting XXXX different balance to XXXX and XXXX which is not correct. This is truly detrimental to my credit and finances. I have been disputing with XXXX and XXXX to investigate inaccurate information on TD Auto Finance on my credit report yet they have failed to do so under my FCRA rights.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

1. I have received email from XXXX that I was in collection with XXXX XXXX XXXX XXXX for delinquent Capital on e account. 
2. I have talked to a staff in Capital one that I have received credit card with my full name, Social Security Number, Third party 's Address & Phone number. 
XXXX. Third party used credit card from Capital One & did not pay. 
4. Contacted Credit report company & remove third address & Freeze the account.
Consumer complaint received 2019-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My Experian credit report has an entry for a bankruptcy. I have contacted Experian by mail with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in reference to this erroneous listing. On each occasion they had responded to information verified as accurate. I have also requested the procedure they used to verify the information and I have not received it. Experian has clearly violated the FCRA and they continue to report the unverified information.