davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

In XX/XX/year>, a remittance of {$100000.00} USD was sent from XXXX XXXX  in XXXX to my account at XXXX  XXXX XXXX XXXX ( XXXX XXXX ). The remittance information provided by the sender was accurate and correct, including the XXXX code XXXX. However, due to an error made by the intermediary bank, Bank of America ( BOA ), the XXXX XXXX was changed to XXXX during processing, which caused XXXX  XXXX XXXX XXXX to reject the deposit to my personal account. 

Additionally, although the funds were remitted in USD ( as per the remittance record ), the intermediary bank ( BOA ) converted the currency to AUD  without authorization. This resulted in significant losses due to exchange rate differences. My receiving account was designated to accept USD, and no consent was given for this currency conversion.The remitter clearly filled in the USD receiving account, but now the intermediary bank has replaced it with AUD. The accounts in the XXXX dollar account and XXXX dollar account are completely different, which is also the second reason why XXXX  XXXX XXXX refused to deposit the funds to me. 

I contacted XXXX ( my receiving bank ) multiple times, and they confirmed that the issue originated with the intermediary bank, Bank of America. However, despite their attempts to contact BOA for resolution, no response has been received, and my funds remain in limbo. I also called BOA 's directly, but they refused to assist me as I am not their direct customer. 

This situation has caused significant financial and emotional distress. I urgently need these funds, which have been delayed for weeks due to errors beyond my control. I seek CFPB 's assistance in ensuring that the funds are deposited into my account immediately, as originally intended, and that the intermediary bank addresses the unauthorized currency conversion and associated losses.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (NY)

Hello, on XX/XX/XXXX I called to dispute a few transactions with my bank. After waiting over 10 days and then telling me multiple times that my dispute was filed and I would be credited, I never received any notice of the dispute, or proof via email that it was filed. Today on XX/XX/XXXX, I called the bank to get this fixed and they will not help me although its been more than 10 days. I have tried to ask for escalation to get my credit to pay my bills, they wont, Ive tried to ask for a manager, they wont, anything I try they will just deny my request.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX XXXX placed a hard inquiry onto my credit account for a phone plan that I was not eligible for, the store manager had given me incorrect information regarding my eligibility. When I tried to verify that account through XXXX  I could not since I was not in fact eligible. I found out that for that plan my husband had to be the primary account holder. So we put it in his name and transferred responsibility which in turn put an inquiry on his account. I spoke to XXXX and they agreed that the inquiry on my account was not fair/ valid and they agreed that it should be removed. However they informed me that they did not have a department that could issue me a letter of deletion. They told me to contact Transunion directly, which I did. Transunion informed me that they could do nothing without the letter of deletion. At that point I made a complaint with consumer finance. I then received an email from consumer finance stating that Transunion had agreed to handle/ assist me with my dispute. I received a letter from Transunion on XX/XX/XXXX stating that if I wanted it taken off my credit report I needed to contact XXXX directly for a letter of deletion. I called XXXX again and they told me they could not issue me a letter of deletion because they didn't have a department that did that. So now I back again making another complaint and hoping that this issue can be resolved.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

Care Credit sent my statement to an unknown address. I was not aware that I had missed a payment until i received an email from the company that I was past due. I was charged a {$30.00} late fee on my bill for something that was no fault of my own. I requested a copy of the missed payment from Care Credit to be mailed. That is when I discovered that my bill had been returned to Care Credit. The Agent I spoke with on the phone failed to disclose this to me. This {$30.00} late fee should be removed from my bill due to Care Credit 's error. Please assist me in this matter. I have attached documents received from Care Credit stating the same.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was given a unpaid check of {$3500.00} and I did not know it was unpaid and It was on hold for a few days before it could clear and it was cleared into my account then I gave the money back and after a few days later the check bounced from my account after the transactions went through and i am now down {$3500.00} in debt because of this
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Receivable Services (MN)

They called me a week ago and I missed the call. They left me a brief message that didnt say what it was for. I called back and the number was disconnected. I looked them up by number and found out who they were. When I tried calling the number on the XXXX search, it also told me it was disconnected. 
Then Today XX/XX/year> at XXXX they called me and woke me up and I answered. The lady XXXX asked me who I was. I responded with who is this?. XXXX said I cant give that information without knowing who this is in which I responded lol, please tell me who this is she repeated her statement again and asked me if she was talking to so and so, I said sure ( which is not an answer ). She then said who she was working for and if I still lived at some address. I said you cant contact me. Ive already sent you a do not contact letter, so have fun with that Then I hung up. 
I feel that the lack of info they were willing to give and request for info is wild. Even when I asked what this was about ( even after saying sure and her giving me the name ) she wouldnt give me that without an address update.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (PA)

I paid an electric bill, that was placed in the wrong mailbox, that was not mine. I reported this to my bank ( Wells Fargo ), they replaced the funds and asked me to send verification. I sent them the verification. Then they took the money ( XXXX ) back off my account. They said I sent it jpg and they needed pdf. So, they placed the money back on my account. I sent the verification in pdf, last month, as they asked. Now, on XX/XX/23, theyve taken the money again. Saying it cant be replaced because how it was filed. My question is then why replace it, twice, and when I do send it in. Theres some other reason that they cant replace my funds. I am a XXXXXXXX XXXX on a fixed income. I know thats not a lot of money for most, but for me every XXXX is important. There were two employees I talked to tonight. XXXX from customer service and XXXX from resolution department both were extremely rude and unprofessional and were determined not to give me back my money. Any and all help you can give me will be greatly appreciated. Thanx
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted XXXX  had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.
Consumer complaint received 2024-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (CA)

We started this equity loan at end of XXXX, with New Rez, XXXX XXXXXXXX XXXX XXXXXXXX, they said it XXXX take approx XXXX weeks. At first, they answered my questions and took my payment for online appraisal. After many weeks, no call back or email until after I said I was going to report them.Then they asked for proof of my husbands business that has not existed since XXXX, sent them our last XXXX XXXX XXXX XXXX. Then they asked about another loan that popped up " somehow '' as its not on any of our credit reports, so told them we thought it was included in our XXXX in XXXX. Then they said we didnt send taxes for XXXX, I said look again because I sent it.After sending XXXX taxes again, she said she found it. Then still no updates, I left a few voicemails and also sent email, got a response that she hopes to call us later that day. Still no call, no email. Then they sent another set of same esign docs with no explanation, just need you to sign again. So we did that same day. We have never not answered or given them what theyve asked for. Yesterday, we get a letter showing a different amount of loan originally offered without notice of the change in the mail saying " principal reson for denial : Insuffient funds to close the loan '' what does that mean? I tried to call XXXX, again, had to leave a voicemail. We have NEVER been asked for money to close the loan. We have plenty of equity in our home. I do know our credit is not the best but after owning our home for over XXXX yrs AND having NewRez as our XXXX mortgage, we have never missed or been late on a payment. Guess that doesnt mean anything at all anymore. I hope noone gets ghosted like we did. Thanks for listening.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Balance {$570.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$4200.00} Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX XXXX {$310.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$810.00} - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} XXXX Opened XX/XX/XXXX
Consumer complaint received 2021-02-09
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-12-11
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: Fidelity National Information Services, Inc. (FNIS) (MI)

In XXXX my XXXX XXXX XXXXXXXX account was closed for what they say was fraudulent activity. When I asked them to investigate the fraudulent activity on my account they did not do so. I explained that I never came into their branch and to view the video cameras because someone else had stolen my debit card and tried to withdraw money that had been deposited by whom ever stole my card. Due to the closure I was place in Chex system and wasnt able to open another account. I disputed with Chex system to also investigate and verify and validate the account and nothing was done.