davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022 I sent an international wire transfer of {$9900.00} USD from XXXX to my Wells Fargo account in America. The first 3 digits of the account number were missing in the initial transmission so the funds ( {$9800.00} ) inadvertently went into another Wells Fargo customers account, even though the name and account number did not match. On XX/XX/2022, my remittance bank ( XXXX ) submitted an amendment to correct the account number. And then on XX/XX/2022, the remittance bank submitted a recall of the funds. 

I went to Wells Fargo on XX/XX/2022 and a complaint was submitted through banker A. Banker A said she can not directly call the customer who had my funds, but her bank manager could. I went to Wells Fargo 2-3 days later, either on XX/XX/XXXX or XXXX, 2022 and was told by the bank manager he can not take any action or do anything to assist me. The same day I visited the bank manager, the incorrect recipient transferred the funds into another account. I suspect communication took place between the bank manager and the incorrect recipient without any follow-up or without my knowledge. The funds were untouched for over a month until I visited the branch manager. I visited another Wells Fargo Branch location on XX/XX/XXXX, where Banker C followed up on the recall. However, since the recall was submitted on XX/XX/2022, Wells Fargo has made the required amount of attempts to the incorrect recipient and closed my case.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I filed complaint against Amex last year and as I informed CFPB and suspected they retaliated against me now and Amex suspended my Reward points and told me they are under review. I wanted to transfer that reward point for airline ticket purchase but I couldnt do it as they put hold on my rewards account!! 

This is a clear action of retaliation. 

My previous complaint # XXXX Please help me get my rewards account back. I have over XXXX points in my Amex reward account. 


Thanks XXXX XXXX
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

In XXXX of 2020 my Bank of America account was closed due to someone trying to commit fraud in my bank account. Due to that I can no longer do anything with my credit or open another bank account which I find unfair due to me XXXX XXXX not knowing someone was trying to hack my account
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

about 2 months ago I was completely robbed and hacked everywhere XXXXXXXX XXXX of account and all my personal information the victims sent all my money out to themselves and left my account negative after I recover my phone and changed all my passwords and got some of my things back I begin to fill a claim explaining what happened. The claim amount was for XXXX. They was very nice and understood the situation and told me to keep calling back for updates and I did I called back about 3-5 times for updates and they kept telling me after 60 business day I should be able to get my payment. so I waited and kept calling and today it makes 60 business days and they said they had denied my claim and I dont understand why but I really didnt like that decision after they promised me my money a bunch of times. I just want my money back!!!!
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (PA)

I am disputing several inaccurate entries on my credit report that are being reported by Jefferson Capital Systems and XXXX XXXX XXXX. These accounts are incorrect, unverifiable, or outdated, and they are negatively impacting my credit score. Despite my efforts to resolve these disputes directly with the creditors, these inaccuracies have not been corrected. 

The specific accounts in question are as follows : 1. Jefferson Capital Systems : {$390.00} 2. Jefferson Capital Systems : {$1000.00} 3. XXXX XXXX XXXX : {$3900.00} These accounts do not reflect my true financial standing, and I have provided documentation showing that they are either erroneous or can not be verified according to my rights under the Fair Credit Reporting Act ( FCRA ). I believe that these accounts should be removed from my credit report to reflect accurate information. 

I have attached my formal dispute letter and supporting documentation, including copies of my credit reports showing these disputed accounts. I am requesting the CFPB 's assistance in resolving this matter, as these entries continue to damage my financial reputation despite my lawful right to challenge and correct them.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (MN)

I received a letter in regard to old debt. I notified the Creditor in Writing of a dispute instructing them I wanted Proof of the agreement to pay the creditor, a copy of the final account statement, a breakdown of total amount dues, and date and basis of the charges. 

The company has not responded in writing as requested, and as such has reported this as a negative item to the credit bureau. My request was mailed within the initial 30 day time frame to dispute the debt. They also have not reported the account is in dispute.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a line of credit with Capital One since 2005. Ive never had a late payment and I have always paid it down in XXXX every year. this year they waited until I made a large payment, then they changed it to a closed loan that I couldn't draw from again. I was told by Capital One that it would never happen. This really put me in a cash bind and hurt my cash flow for the rest of the year. if they didnt want me to have this line then thats Ok, but to wait until I made a large payment then cut me off, is unethical.
Consumer complaint received 2021-07-14
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. (CA)

My husband had a XXXX credit card XXXX  since XXXX with XXXX BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the XXXX Bank and the CRA 's to remove the account. They have failed to do so. This is in violation of federal and state laws.
Consumer complaint received 2021-01-11
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: Diversified Adjustment Service, Inc. (IL)

On XX/XX/2020 Div Adj Serv added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Div Adj Serv has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

Due to covid-19 forbearance program regulations SEC. 4021. CREDIT PROTECTION DURING COVID19 states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report I want removed because I am a victim of Covid 19 and legally you should not have put them there.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 day late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please investigate this illogical status. Otherwise, CORRECT this account ASAP. 

XXXX XXXXXXXX
Consumer complaint received 2022-05-20
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: CBA of GA, Inc. (GA)

I retrieved a copy of my credit report and immediately noted that CBA of Georgia had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX did not advise the bureaus to update the account status to disputed. This is a violation. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. XXXX responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. They stated that they would advise the bureaus to update the account to disputed. How so? If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of XXXX. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. ( XXXX ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX should remunerate me for the violations.
Consumer complaint received 2022-02-15
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. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$4800.00}
Consumer complaint received 2020-09-15
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. (PA)

I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per FCRA 611.

These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (CO)

In XXXX of XXXX I discovered an unknown credit card account listed on my XXXX credit card report via my XXXX account. I checked it out via experian and noticed it was on there as well. It is a XXXX card. I have never used XXXX or have ever had any sort of account with them. I created two disputes through Experian on XX/XX/XXXX and XX/XX/XXXX. The dispute did not result in anything and the account is still on my report. It is now saying that I can no longer view dispute results online. I have tried calling multiple times and everytime I reach a person, the call is disconnected before I can share any information or make any progress. According to experian, the account showed up in XX/XX/XXXX. I made a personal statement on XX/XX/XXXX requesting a fraud alert. I also uploaded my legal name change documents on XX/XX/XXXX because I thought that may have something to do with the issue. Soft inquiries were conducted on the XXXX account on XX/XX/XXXX and XX/XX/XXXX according to Experian. The account is luckily in good standing but the card usage seems to constantly be close to the limit. It has a report of a high balance of {$1200.00}. The limit is {$1000.00}. The current balance on the card is {$940.00}. I have been working really hard lately to improve and take control of my score. I just want to figure out how to get rid of this unknown account and do not want it to continue to impact my score. I will provide any paperwork necessary. I know when there is a name change in the mix, things can be confusing, but I do not want to be responsible for an account that is not mine. 

Best, XXXX XXXX
Consumer complaint received 2022-12-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (NJ)

XXXX Sst is calling my companies phone and debt calls are not allowed. They do not call my personal line even though I have advised them to do this I also made arrangements for payments on XX/XX/22 that I will make a payment in XXXX weeks and they still called my work phone on XX/XX/22. I can lose my job for this. They are also asking me for a XXXX payment but I was only loaned XXXX. Please please help
Consumer complaint received 2021-06-21
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: Resurgent Capital Services L.P. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I wrote to XXXX and XXXX XXXX XXXX located in XXXX DE at the direction of Citibank as Citibank said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( XXXX and XXXX ) a letter XX/XX/2022, and XX/XX/2022 and to Citi themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.