davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 2019-08-22
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (IL)

To whom it may concern, I have reported a charge that I made on XX/XX/2019 from XXXX XXXX XXXX as a fraud due to the fact that I did not get the service which was a on-going coaching call that I was suppose to get. My claim has been denied 4 time and I have been asking for the specific reason why it kept gettin denied but during the 4 times that they have re-opened my claim they have sent me the same documents over and over again and have not provided me the exact reason why my claim was denied. I have all the evidence and proofs that I was eligible for a refund due to not receiving the service.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/XXXX I noticed that a collections account was added to my credit report. This account was closed in XXXX and the last payment is listed as XXXX, yet a collection account is still showing On my credit report. I have contacted the lender as well as TransUnion but TransUnion currently has another non compliance issue in which they are manually investigating a dispute and although it has been over 30 days that existing dispute bars me from submitting another dispute to get this erroneous account removed.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been having problems with Experian credit reporting. 
I have try to correct items and I am not given the opportunity to fix them On the web site I try to open a dispute and the system keeps telling me That is not available. I also try getting a copy of my report and got nothing But in the mintime they leek making changes to my report and my score I have also try calling but there in no one to talk to and the recording Just goes round and round, this has been going on for little more than a Month
Consumer complaint received 2019-08-22
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)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-11-18
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: WELLS FARGO & COMPANY (MO)

Received card - Terms were to make {$500.00} in purchases to get {$150.00} back - Also had balance transfer offer. Made purchases, used Wells Fargo App to ensure all transactions were posted to account. The app shows details like Transaction Date and Posting Date. I reviewed ALL transactions, and they ALL showed that they have been posted to the account a minimum of 24 hrs prior. So, I made payment in full, which posted a couple days later. I happened to look back at my app and it showed a new balance of {$140.00}. When I called Wells they told me that it was still part of my charges that were posting. I asked why they had all shown posted to my account via my app a full 24 hours prior, why would I still have outstanding transactions. The response was that even though they show posted to my account, it takes 1-3 days to HARD POST. Three separate levels of reps told me this. I asked if the words HARD POST were explained or even present in my Cardmember Agreement, they said it was. Upon a search it was revealed to in fact not be in my agreement and any language could not be found around hard posting times. 

This is a deceptive practice, I was presented with a total balance, and confirmation that all transactions had posted, I made payment in full. Then a couple days later, without any further use of my card, I have a new balance. All this activity was well before any statement date, so if I had not done due diligence in checking my account again, I would have interest billed that I was not expecting or planning for. 

When I asked if they thought that was clear to the Customer, I received a canned answer that it is my responsibility to review my statement each time. If I paid my account in full, with all transactions showing posted, and did not use my card further, all before any cycle date, why would i need to review my statement!? As you read this, I hope you can understand my position and why this is totally deceptive. 

I filed a formal complaint with Wells CASE ID # XXXX
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Kraken 's transfer to a FRAUD SCAM Brokers : XXXX XXXX  I would like to bring your attention to a serious issue I have with Kraken wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Kraken.
Consumer complaint received 2019-08-22
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: Paramount GR Holdings, LLC (CA)

On XX/XX/2018 someone opened a joint solar account ( shows on my credit report as a secured home improvement loan ) with the company XXXX using my personal information. The solar loan amount was for {$80000.00}. There were late payments on the account, however I never received a 30, 60,  or 90 day late notice. I immediately contacted XXXX to request a letter of deletion, but was put on hold and finally was hung up on without speaking to a company representative. The loan is attached to a condominium I purchased, and as we all know I am not allowed, peXXXX XXXX rules, to install solar panels on my condo. I respectfully request the assistance of CFPB to have this loan dropped off my credit report as it is impacting my credit worthiness. Thank you.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank is refusing to refund fraudulent debit card charge. On XX/XX/XXXX my debit card ( along with several other credit cards ) were stolen. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$300.00}. I reported the card stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank. I reported it stolen that night over their XXXX number ( and to the local police department ) and then I went into a local branch and was told they couldn't do anything until the transaction was actually posted. Only THEN could a dispute be filed. 
On XX/XX/XXXX they sent a letter to me telling me no credit to my account would be made for this fraudulent transaction. The stated reason was " Transaction verified with your card credentials. Transaction passed fraud analysis ''. 
So as a matter of routine and apparent policy they do not limit user 's liabilities to {$50.00}, which is the law according to the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know, but every source I've seen says I'm right. 
It took me several days to get a live person to speak with at Regions ( knowing the local branch wouldn't be of any help, it's out of their hands according to the person I spoke with ). When I did finally speak with someone they told me nothing could be done.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was charged two over draft fees at the same time because my account became negative the day before my paycheck arrived. These charges were not supposed to post until the following business day but by error were charged a day earlier. Its egregious to charge for each transaction despite them being in error. Im a loyal US bank customer and for them to pile on the over draft fees the day before I get paid is terrible customer service and they refuse to even listen to the customer. Im a student and US Bank is a large corporation. Stealing {$72.00} from me is greed in its finest form.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the XXXX XXXX American Express card on XX/XX/XXXX and was granted the card. I paid the {$120.00} " Annual Fee '' up front. I canceled the card today and was told I might not be able to get my unused portion of the annual fee ( which in this case would be about {$83.00}, 8 months unused out of 12 months paid in advance ). I explained to the clerk I was speaking with that this is illegal, that an unused portion of the annual fee must be refunded to me. In response the first clerk said " you are breaking up, ma'am. I can not understand you. '' I was left on hold for so long that I called back and spoke to a man, who said the same thing ( " You're breaking up, I can't hear you, hello? " ). But not before he took about 10 minutes to look up for me their correct mailing address for written correspondence ( it's not online ; I've been looking for days ; it just says, " Call us! '' and a phone number ; perhaps because their company does not want any letters to be able to be sent by consumers like me, to protect my rights under the 1994 Fair Credit and Reporting Act. It is American Express, Customer Service, XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

On XX/XX/XXXX Security Credit Services placed a collection account on my credit reports. I read to wait for a Right to dispute or dunning letter. It is now XX/XX/XXXX and still have not received an written communication from them. I have tried calling the number on their website for consumers multiple times. I have never had anyone answer. usually the line just keeps ringing. I tried to dispute with the bureaus, but all they do is tell the bureaus it is valid with no validation. I am very concerned as I have had Identity theft issues that may have caused this account. I know that both federal and Texas laws require this written notification. I need to see validation or it needs to be removed.
Consumer complaint received 2019-08-22
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (OH)

Around the middle of XX/XX/XXXX I received a call from a man named XXXX from a company called True Solution Inc. XXXX XXXX XXXX XXXX. XXXX informed me that this company was working on behalf of the Department of Education to assist me with consolidating my student loans and getting me into a reduced payment plan based on my income/dependence. He walked me through what my payments would be, and had me sign the contract via email. I contacted the Department of Education and my current loan holder ( XXXX ) and both said they did not know anything about this company. The Department of Ed told me to contact the Federal Trade Commission and the XX/XX/XXXX. In the mean time I blocked my credit card information. I received a letter from a company called XXXX XXXX XXXX saying my loan had been transferred to them as of XX/XX/XXXX, with a balance owed of {$1200.00}. I called them and they referred me back to True Solution Inc. when I called them back I was told their was nothing I could do about it, I signed a contract and that an attorney would do nothing to help me. They said they would report this to my credit report. They claimed that they are charging for the work of consolidating my loans. The manager that I spoke to laughter in the phone, told me I wasnt competent enough to talk to him and that I needed to have my attorney contact him. He gave gave me his name as XXXX and his number as XXXX. I spoke with the Department of Education and they stated that consolidating my loans was a free service through them and that setting me up on a percentage repayment plan was a free service from them as well and that I should not have To pay anyone to do this. I have not paid anything to either of the companys but need this removed from my credit. I was informed that I was scammed. The XXXX XXXX XXXX agreed. I still going to reach out to other organizations before contacting my attorney to help resolve this. The company has only been in service less than a year and has a few complaints listed already. I have called and asked them to send me a copy of my contract and still have not received it. It was supposed to be sent to me via email.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America provides misleading information in their app as to how much money is available for me to spend. Pending transactions are supposed to subtract from the total amount one can spend. I made a $XXXX   transfer out of my checking account, with around $XXXX left in the account on XX/XX/2019.OnXX/XX/2019 I had authorized the following 5 transactions:1. XXXX -$XXXX2. Parking  -$XXXX3. Lunch    -$XXXX4. Parking  -$XXXX5. Food      -$XXXXTotal: $XXXXI should have had a remaining $XXXX in my account. Instead, several pending transactions cleared onXX/XX/2019. At XXXX XXXX   on XX/XX/XXXX I saw that my account was -$XXXX. I had $XXXX transferred to the account to cover the account and avoid an overdraft fee. I had $3 in the account.Today, XX/XX/2019, I check my account and see that I have -$XXXX available to spend. I was charged $XXXX in overdraft fees as of writing this complaint. The previously authorized $XXXX that had been superficially deducted will cause an additional fee, as I was just informed by Bank of America. I am highly encouraged by the bank to use their app as a way to monitor what is available in my account. I was told after the fact by a representative that the app may not update with accurate information. They will also not refund any Overdraft Fees.Bank of America is either intentionally misleading me into spending money to charge overdraft fees, OR, they do not provide the appropriate information for me to understand what I can spend, and then charge me overdraft fees. I will be closing the account with a negative balance until the matter is resolved.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

On XX/XX/2018 I ordered online a mattress from XXXX but decided not to buy the mattress and cancelled the purchase on the same day. I received the cancellation notice and that was the end of the transaction. I never received the credit but a charge for same amount appeared on my bill. No credit was issued from XXXX and then subsequently told by Discover that the mattress was delivered. I never signed or received any mattress or communicated with XXXX for delivery. It appears there was FRAUD. 
The address was different and I never engaged with anything from XXXX after the XX/XX/XXXX. The information sent to me by Discover makes no sense and they continued along the same line and declined the credit. This is FRAUD since I never engaged with anything beyond XX/XX/XXXX. I need this resolved by Discover. There information they are sending me does not belong to me. IT MAKES NO SENSE> Please resolve
Consumer complaint received 2020-03-31
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. (CA)

EXPERIAN is maintaining false and incomplete information regarding a XXXX XXXX XXXX XXXX account on my credit profile despite my disputing the information and the errors being readily identifiable on the face of the report. This account was subject to the XXXX XXXX class action and as part of the settlement terms the account was forgiven, causing a 1099 to be issues. Updated credit reporting to remove negative entries is also required under the terms of the settlement. As a result of my most recent dispute EXPERIAN corrected the information and updated my report to reflect that the account is paid but left numerous other errors. They include placing a dash mark where the balance should be XXXX ( despite the status showing paid ), stating the highest balance as XXXX instead of the correct sum of {$25000.00} ( see original balance ), reporting a balance history of {$11000.00} from XX/XX/XXXX through XX/XX/XXXX, despite each such entry also stating payment was made XX/XX/XXXX and the XX/XX/XXXX month showing NO DATA, reporting CLS in XX/XX/XXXX and negative history in XXXX, XXXX and XXXX - inconsistent with the terms of the settlement.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2019, I was alerted that capital one froze my account to make any withdrawls. I called them immediately and asked why. After almost 30 mins waiting, they finally came back and said they need to talk to 2 people that sent me a XXXX payment. I told them that those 2 people have nothing to do with my account and if they want to talk to them, they can find there contact info, IM NOT GIVING IT TO THEM. 

At this point, they refused to let me access my money in the account because they want me to give them private information that is none of their business. Under terms of XXXX, payments cant be reversed unless the receiving bank agrees to it. They claim they are worried these 2 people may request the XXXX 's back, at which point I told them they won't, I know them, and 2, even if they did, I refuse to allow. Simple. case closed. 

THEY STILL WON'T LET ME ACCESS MY FUNDS. So, at this point I am fed up and told them to close my account and send me my {$2300.00} cash that is in the account. THEY REFUSED TO. You need to contact them immediately, the {$2300.00} is not their money and at this point they should pay a fine and interest on it. I would prefer not to have to get a lawyer involved since I don't know any.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I have recuuring transfers from my checking account going to my savings account on the XXXX of each month. I attempted to change the amount of the treansfer from {$43.00} per month to {$50.00} per month. Since I am complterely XXXX I can not access the bank 's website because it is not ADA compliant. I called the 800 customer service number and was refused service because I could not read the digits on my ATM card and I was told to visit my local branch. 

When I arrived at my local branch, I was verified with my state ID but again was refused service because I was told that company policy does not allow personal bankers or tellers to assis the XXXX because I can not XXXX XXXX their computer screens. 

While I can understand that this policy is in place to avoid bank employees from committing fraud on a customer 's account, there is no policy in place to help the XXXX who can not access the online system or physically see a computer screen. Thus, this policy is a direcr volation of federal law and a violation of the XXXX. While the banker 's at my local branch are friendly and try to help find a solution, I am XXXX and they ) are refused services from upper management because my bank 's policy wiwll not help the handicapped who can not access self-service banking options.