davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I received a call from Wells Fargo 's Fraud Prevention Contact Center on XX/XX/2021 about funds transferred into my checking account on XX/XX/2021. The transfer was from a bank in the XXXX and I was told that the account holder never authorized the transfer. They asked if I knew the person and I did not and they asked me how someone would get my account information. I told them the reason why. The Wells Fargo representative then told me my account would be closed and I would receive any remaining money in my account by XX/XX/XXXX. It wasn't until I receive an email from Wells Fargo that it indicated I could not withdraw any funds from my account. 

I called the Fraud Prevention Center back and the gal was so rude to me and I asked to speak to her manager. She transferred me to XXXX XXXX XXXX XXXX, which I had to hang up before I could talk to them, because I received another important call. The transfer I was supposed to receive was from another bank in the XXXX and another account holder, there must have been some mix up. Instead of calling the Wells back, I went into the branch and the bank manager tried to get some money out of my account and the XXXX XXXX XXXX XXXX refused to give it to me. I was extremely upset. How was I to pay my bills, get my medications, or get groceries? 

I called the Fraud Prevention Center back because I have a business account and was expecting a wire transfer for that account and I asked if it was closed too and they told me it was, so I had the gal transfer me to XXXX XXXX XXXX XXXX. I told the guy that needed money to survive. Also, Wells just received two large payments into my account. Finally they were going to let me have the money from my last payroll deposit, but the account is still being closed and they don't want to do business with me. I don't want to do business with them either! 

I have had this account for almost 20 years and I was totally being treated like a criminal by Wells Fargo Fraud Prevention Center and the XXXX XXXX XXXX XXXX. Their treatment of me was disrespectful and disgraceful that I wish I could let their CEO know that the culture they foster is a detriment to all their customers and now former customer.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC (CA)

I searched Loan on the XXXX XXXX and I found XXXX. Its odd how when I researched XXXX, it did not pop up. Thats when I knew the app is a scam. Along with the information it had asked me ; employment, bank information, social, date of birth, email & password I knew it was a scam. Ive also received a bunch of emails from different lenders stating that I got approved for a certain amount and from closely reading the document if I were to borrow {$1200.00} through Loan At Last, the interest rate is 664.83 %!!! Thats ridiculous!!! Sadly, Ive read the reviews after I had applied with Loan At Last/XXXX  and they mentioned the same exact thing. Please help me protect my identity and information!
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (VA)

I contacted NetCredit collections team : ( NetCredit Collections Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX ) somewhere between XXXX and XXXX of this year XXXX to find out when my last payment was due to complete paying off my loan which was agreed by them to make payments until it was resolved. When the time came to close the loan as account paid, I was told that I still owed another {$5000.00}. I explained that according to the agreement established by them and me that my loan was paid in full. Even though we had an agreement they still enforce collection and severely affect my credit score because this matter isn't resolved. I obliged my part of the deal but they are not obliging their part.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these hard inquiries are fraudulent and doesnt belong to me and need removed. 

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 2021-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC (MI)

Hello and thank you for taking my request this is a serious matter I have been waiting on a refund from why not lease it through XXXX for furniture that I never received I never received a product I have been working with them back and forth since the end of XXXX all right they had to do their investigation wish they did they told me to go call XXXX or call by XXXX the XXXX will be the latest that I would have heard anything but nobody never called me I sent several emails to the company and I still got no response I literally just got off the phone with why not lease it and their phone number is XXXX XXXX. They told me it would take two to three more weeks to process my refund into my account and I find that highly disruptive to my life there's a pandemic going on I don't know why people think it's okay to just mess with people money and their livelihood at this current time it is devastating to me that I don't have my {$470.00} back in my account at this point I have bills to pay I pay rent my rent is {$100.00} my life is more dollars okay I have a car note insurance everything if I would have knew this I would have never ordered from them and I will never use them again I'm done with them because they keep giving me the runaround and I'm done with it.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX Date opened XX/XX/202XXXX XXXX
Consumer complaint received 2024-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX from BOA was lying about her availability and never responded to my calls or emails. 

She never called me or consulted me. 

-attached is the email from Bank of America XXXX XXXX XXXX RE : Case Reference XXXX Thank you for contacting Regulatory Complaints of Bank of America XXXX As your Resolution Specialist I welcome the opportunity to address your concerns. 

Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please note that well be providing our response to your concerns in writing via secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at XXXX and I or one of my colleagues will return your call within 48 hours. 

I look forward to the opportunity to serve you and appreciate you taking the time to bring this matter to our attention. 
Please note that this email address is not actively monitored and should not be used for replies. Do not send any sensitive information such as account numbers or Social Security numbers. 


XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX This is a service em
Consumer complaint received 2021-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings (TX)

On today, XX/XX/XXXX of XXXX I received a call from a lady named XXXX who works with a debt collection company called IQ data. 

I spoke with XXXX at links, as she told me that she had a collection in her possession from the XXXXXXXX XXXX. I lived at the XXXX from XX/XX/XXXX until XX/XX/XXXX, my lease ended on XX/XX/XXXX of XXXX and I paid all of my rent for the entire lease. In fact, I over paid by {$1400.00}. 

I offered to send XXXX correspondence between me and the manager, XXXX, at the XXXX proving that I did not owe any money at all. She refused to allow me to send the correspondence proving that I do not owe the debt. She also refused to give me her contact information. 

This point I called back and I spoke to a lady named XXXX who also refused to give me an email where I could forward the conversation between me and the XXXX She transferred me back to the lady named XXXX who gave me a fax number where I could fax proof that I do not owe the debt, but they would not except the correspondence from me because I have an attorney hired who handles my credit issues. 

After contacting them and letting them know the issue that I am having, they are sending correspondence to her and they advised me to contact you and let them know. 

The name of the company is IQ data. The fax number is XXXX I do not have any information regarding this debt because they refused to give me any information including a reference number or any way for me to identify the debt. She would not even tell me the full amount of the debt only that it was around {$3000.00} They also refused to send proof of the debt I was told that they were not legally obligated to send proof that I owed the debt.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-08-05
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. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AL)

Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, I have transferred XXXX ethereum from XXXX XXXX  on XXXX XXXX to Coinbase XXXX  account. I had no idea that I had to " bridge '' my funds before transferring. Also nothing on XXXX XXXX  warned me about bridging assets at the time of transfer ( now, after thousands of people made the same mistake, they warn people to bridge before sending ) As a result, my funds are stuck at the address that was provided to me by Coinbase XXXX  but on XXXX XXXX. XXXX ( aka XXXX ) help desk has said that they can see the transaction, and the coins are sitting at that address, but only Coinbase XXXX can help me since they hold the keys to said address. I have asked for those keys to the address since they belong to my account, I was denied access. Coinbase XXXX  help was inadequate and they closed my service ticket without giving me a final word on the issue. Other exchanges ( XXXX, XXXX., XXXX  ) do offer solutions for their customers that are in similar situations. This proves that those funds are recoverable. Coinbase customer service is unacceptably slow and doesn't provide solutions to their customers. As a result, at the time of writing, I am sitting on a $ XXXX loss. 
Also, while it took me over a month to receive an automated email from Coinbase support, on XX/XX/XXXX, a popular XXXX  account has XXXX  that he made a similar mistake. Because he is a popular public figure, Coinbase Support reached out to him in 1 hour. Meanwhile there are people with 3 month old service tickets. I don't think this is fair practice. I have attached a pictures. Thank you.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate, unauthorized and unknown inquiries on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the inquiries to be removed from my credit report. These inquiries are adversely affecting and damaging my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES, PLEASE REMOVE PROMPTLY.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NY)

Thank you for reviewing my complaint. I am sorry it is taking this much effort to get results, but it is impossible to get ahold of anyone helpful at MoneyLion ( https : //www.moneylion.com/ ). MoneyLion is an online app that provides services such as investments, credit monitoring and personal checking. 

I am moving on XX/XX/XXXX and used their checking service as a rainy day fund, rarely withdrawing and depositing to both their checking account and an investment porftolio. 

XX/XX/2021 : First fraudulent charge from XXXX in the amount of {$39.00} XX/XX/2021 : I contacted MoneyLion about the XXXX  charge. Moneylion representative said debit card would be canceled and I had to fill out their " standard form '' and fax/email it to them re my claim. 

XX/XX/2021 : Card was not canceled. Additional fraudulent charges by XXXXXXXX XXXX XXXX in the amount of {$400.00}, {$11.00},. Initially I thought a paypal transaction was fraudulent but i did my due diligence and confirmed that XXXX XXXX {$60.00} was VALID. 

I am unable to get anyone to provide provisional credit, confirm status of my fraud claim and i am told i will receive a PAPER LETTER in 10 days. I am moving on XX/XX/XXXX and need the fraudulently charged transactions reversed, and all moneylion accounts closed INCLUDING my portfolio. 

My rainy-day fund was wiped clean and I am unable to get any assistance. I just graduated law school and am moving on XX/XX/2021. Please help so I dont have to litigate this.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CA)

i made a purchase of {$1600.00} on XX/XX/XXXX using Affirm credit and returned the item due to if not fitting well. I received confirmation of the return and the full credit issued to affirm on XX/XX/XXXX. On the same day, Affirm credit company is charging me a fee of {$79.00} which appears to be the full interest fee. They have not given me a prorated rate given that I had the product for less than 2 weeks. I find this to be predatory and exploitation. I have the same challenge with 2 other transactions that I used with this company.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2021-08-02
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: U.S. BANCORP (NJ)

An auto loan with US Bank was on autopay. The banks system suddenly didnt recognize an account and instead of notifying me in a timely fashion, they called me on day 29. I paid that day but it wasnt processed for 3 days and the account was reported as over 30. This contradicts what they told me.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/22 at XXXX I made a check deposit of $ XXXX was told by the teller the funds would be available XXXX the next day. Subsequently, several hours later I was emailed a notice telling me the check would be put on hold for 10 days due to some obscure reason. 

I went to the local bank the next opening business day which was XX/XX/22 to try to retrieve the check and was told the check was put on hold by their " Back Office '' for reasons unclear to them, it was already mailed out and that I would have to call their customer service for further help with this matter. 

On XX/XX/22 I contacted the issuer of the check to try to get them to cancel that check and wire me the funds since I was in dire need of the cash right away. The issuer of the check ( accounting ) told me the funds had already cleared their account. 

I contacted BOA customer service to get an explanation of why they had to hold my money for 10 days when it's stipulated in their own bylaws that they can hold check 2-7 days. I also needed to know what the reason was for the hold considering the issuer released the funds the day after deposit. The manager I spoke with could not give me a reasonable explanation. All she could say was this is the rule of the bank... there is nothing we can do. 

At best, this is a very shady business practice!!