davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

Purchased one time XXXX XXXX for 19.97 - received them and did not like them and did not order anymore in XXXX of XXXX using Bank of America Credit card. Because of Covid - found our that XXXX XXXX  was charging me every month on my Credit card for the same amount - without any product delivered or wanted. Contact Bank of America and on several occasions and they continued to deny XXXX and finally spoke to a Supervisor who said it was not Fraud but Dispute over Billing and promised me that it would be credited. Now I received a letter stating that I needed to provide original documents ( which I can not - was a XXXX  ad ) or they would not help me and stated that it would be easier to cancel my request. I tried calling XXXX XXXX  company and could not get a response.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MD)

I went to an Western Union remittance center earlier and I want to send the money and I gave the amount to the cashier. Unfortunately, she overcharged me for the amount what I'm suppose to send to the particular person. And I asked her what I'm suppose to do? since she printed out the receipt that is not the amount what I'm suppose to send so she yelled at me and she said it was the system overwrite that amount. I'm not sure if she's telling the truth I'm sending money all the time with western union and this is the first time I encountered this kind of remittance with them.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: STERLING JEWELERS, INC. (TX)

I opened a no interest account at Jared 's on XX/XX/2019 and was offered zero interest for 12 months. I have received 3 billing statements and the 1st billing statement I was charged no interest and then after reviewing the 2nd & 3rd billing statements noticed that I was assessed a 28.24 % interest fee. I would never have agreed to open the account if there was the significant amount in interest. I believe that I have been part of a bait and switch finance scheme & I have contacted XXXX XXXX   & Jared Jewelers and the response that I have received pretty much stated " sorry you do not have an zero interest account. ''
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender l.
Consumer complaint received 2019-05-07
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: Nelnet, Inc. (AR)

All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except XXXX have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. XXXX refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago.

How can I get XXXX to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.
Consumer complaint received 2019-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo personal loan unknown fees excess interest and servicemembers civil relief act request never applied. Submitted the request for the servicemembers civil relief act by fax several times and always receive the runaround when calling and finding out about it status.
Consumer complaint received 2022-12-24
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-29
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: EQUIFAX, INC. (WA)

I have three time now provided Equifax with a letter of explanation from XXXX XXXX removal of late payments on my credit report. Which is attached with this file. I filed my 3 rd dispute with Equifax apprx XXXX, XXXX 2020. Equifax responded with a generic response and did not remove the codes but requested I go back to XXXX XXXX. However I provided the letter from XXXX XXXX clearing up the issue and included it with the recent dispute.. No one at Equifax looked at the documents otherwise it would have been removed immediately. I have attached page 4 of Equifax standard dispute response letter along with two pages from XXXX XXXX with the removal information on page 2 of the XXXX XXXX document.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Please someone help me. My money has been stolen and Wells Fargo allowed someone to access my account and take all my money. Around 2 years ago Wells Fargo reached out to me and told me that someone had information, all my information and was conducting transactions on my account. Which at the time I closed that account and opened a totally new account. There was a password placed on my account and I was ok for a while. Some where along the way my password was removed from my account. And the fraud started again. I have had to file multiple claims on fraudulent transactions on my account. I have a XXXX and I told Wells Fargo about this and they still continued to ignore my cried for help. I told multiple tellers that something was going on with my account which they assured me everything would be ok and taken care of. Which was a lie. They let someone once again steal all my money and said it was me. Totally unfair and not true. I want to close my account but I really need help as again I have a XXXX and Wells Fargo has fully taken advantage of me. They fully knew that someone had and still apparently does have access to my information because they are the ones who alerted me. Please someone help me as I have nothing now because of me trusting in Wells Fargo and them continuing to lie to me and telling me they will protect my money. I have been a Wells Fargo customer for over 15 years.
Consumer complaint received 2021-03-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (IN)

I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. 

I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00} This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I called the account services phone number three times to close my account with Wells Fargo ( Wells Fargo does not allow you to close accounts online, you must call ). The first time I called ( XX/XX/2019 ), the representative told me the system was " down '' and she could not close my account. I was calling to close my account before I incurred the " monthly service fee '' because I had transferred all the funds out of the account. The representative stated that she noted on my account that I had called to close the account but could not due to the system being down, and that I would no incur the monthly service fee. I called back ( XX/XX/2019 ) and explained the previous situation to the representative and proceeded to close the account and refund the monthly service fee. I checked my account on XX/XX/2019 and noticed that it still wasn't closed and the monthly service fee wasn't refunded. I called the account services phone number for a third time and explained how I had called twice previously and the account is still open and the monthly service fee wasn't refunded. The representative was promptly able to close my account without issue this time, but did not refund the monthly service fee. I'm filing a complaint because this feels like a fraudulent practice by Wells Fargo to maintain my account in order to garnish a monthly service fee. This fee is nominal, however, if this is common practice and systematic of Wells Fargo, many consumers are being fraudulently charged.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Consumer complaint received 2022-07-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately.

Please reference my original complaint CFPB case # : XXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXXXXXX XXXX, Acct # : XXXX XXXX. Original creditor is XXXX XXXX - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX XXXXXXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX  Acct Name XXXX XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX Bankruptcy Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.
Consumer complaint received 2019-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

On Friday, XX/XX/XXXX Paypal put limitations on my account, citing inconsistent account activity. On the same day, I called Paypal customer service countless times. During those phone calls, no one could tell me why limitations were being placed on my account but during the last call of the day, I was guaranteed with 100 % certainty that I would receive the money in my bank account by the end of the day. I woke up Saturday and still could not access my account. So I called customer service again and asked to speak with every supervisor possible. Each supervisor guaranteed that I would receive my money as well, by the end of the day, and with 100 % certainty. It is Tuesday XX/XX/XXXX,  and I still do not have access to my money. Further, I received an email stating that my account was being closed and that they are now going to hold my money for 180 days. I have not misused my paypal account and gave them no reason to place this hold on my account. One of the supervisors even told me that my account looked to be in perfect shape.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-07
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: CITIBANK, N.A. (CA)

I received a call from social security administration ( display on my phone ) stating that my personnel identity has been stolen and there are 7 charges ( from various government agencies filed against me ) including money laundering etc. and an arrest warrant has been issued. I have to cooperate with local police if I don't want to go to jail, who then connected me to local police no. person on other side gave his name and badge no, saying I have to follow their instructions. Since I am new immigrant to US and got threatened and followed their instructions of purchasing  gift cards of XXXX and provided them the detail of same ( their instruction was to first secure the funds first and place it in XXXX   account and once new SSN is issued I can open new bank account and transfer this money from this account to new bank account ). Once I realized that I am victim of fraud I did call Citi bank and XXXX  gift cards but it was too late. I also call local police ( who said a big scam is going on so ignore those calls ), still I insisted to file a complaint and they did so. Its very difficult for me to meet both ends and save some money for my kids education and now I feeling robbed and in bad mental state as I am not able to realize that, how can I do such thing and was hoping that City bank could have look at my case as genuine and help me to cover all or some these fraud charges.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX XXXXBalance Owed : {$640.00} XXXX XXXX Balance Owed : {$20000.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$630.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$23000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance Owed : {$400.00} DPT ED/XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$6600.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports