davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NV)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX I made a wire transfer of {$59000.00} ( CAD ) from my XXXX XXXX XXXXhecking account to a XXXX XXXX XXXX account with information listed below ; XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX  Accoun Number : XXXX Wire routing : XXXX Electronic transfers, payments and direct deposits : XXXX Bussines Address : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX The money arrived XXXX XXXX XXXX two days later and after several days they still have not credited the account, the account holder called severally and XXXX XXXX XXXX  kept saying they are reviewing the transfer. Then my bank XXXX advised that we cancel the transfer and request for a refund, I went into the bank and signed the necessary paperwork to effect the request for a refund on XX/XX/XXXX, initially XXXX XXXX XXXX responded to my banks request and ask the we ask the account holder to visit a branch to authorize the reversal, the account holder did visit a branch and signed the paperwork and still XXXX XXXX XXXX hasnt returned the money. After waiting for over a month my bank closed the case and open a new one still XXXX XXXX XXXX didnt return the money. Last week they told the account holder that my banks needs to request again for they refund my bank did and still nothing from XXXX XXXX XXXX. 
I have been waiting for my refund for 4 months now and XXXX XXXX XXXX isnt responding to my banks request to return the money. Please I would appreciate a swift resolution. 
Below are my bank details with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Financial Institution Number : XXXX Branch Transit Number : XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have been a with WF CRD SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

I had money sent to me using venmo. They froze my account and asked me to verify my id. I submitted my id. They deactivated my account and won't tell me why. I had {$1100.00} in my account.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Bankruptcy # XXXX and Bankruptcy # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
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: Experian Information Solutions Inc. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : 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 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I have had multiple problems with Mr. Cooper failing to make timely payments from my escrow account. I have alerted them to this problem several times, with no improvement in service. 

I refinanced the mortgage on my primary residence with a closing date of XX/XX/XXXX, and the loan was transferred to Mr. Cooper. 

My local property tax is due annually in two installments, the first on XX/XX/XXXX and the second on XX/XX/XXXX. The first payment for XXXX was made as part of the closing settlement, and also as part of the settlement I established an escrow account which included funds to cover the second tax payment for XXXX. I expected the mortgage company Mr. Cooper to make the second payment from the escrow account, which they failed to do. The late tax payment is now due on XX/XX/XXXX, with an additional interest assessment of XXXX. I called Mr. Cooper to alert them to the problem on XX/XX/XXXX, and they have not yet made the payment as of XX/XX/XXXX. On XX/XX/XXXX I called them again and they informed me that they will make the payment tomorrow ( on XX/XX/XXXX XXXX, so it will not be received timely and will likely incur additional fees and interest. 

This missed tax payment will affect my XXXX federal and state tax liability, as it will decrease my itemized deductions for tax year XXXX. This will impose a financial hardship on me due to their error in processing the escrow payments. I have not yet determined the amount of this hardship. 

Mr. Cooper was also late in making the payment on my homeowners insurance, which resulted in the insurance company sending a cancellation notice for the policy. The Mr Cooper website shows that the payment, which was due on XX/XX/XXXX, was made by Mr. Cooper on XX/XX/XXXX, but it was not received by my insurance company until XX/XX/XXXX. This is unacceptable and puts me in danger of having the policy cancelled. I understand that there is a grace period for the payment ( until XX/XX/XXXX I believe ), but the untimely payment used up of most of that grace period and I would not have had adequate time and opportunity to secure another policy to protect my property.
Consumer complaint received 2022-05-04
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NV)

hello, I've had the following account since XXXX I'm disappointed in the treatment I've received- during my time of hardship. Not only do I believe you have violated my consumer right but I have lost faith in the ability of your company to protect me as your customer. 

On the XXXX of XXXX my account was closed per the agent I spoke to due to the past due status. while I did know that the account was pass due I had every intention on catching complete back up, once I recover financial from the death in my family. I had no idea and wasn't aware of the severity of my tardiness. From my knowledge The last attempted to make a payment before closure was online where i update the account number removing the previous XXXX bank and adding a XXXX XXXXXXXX account with sufficient funds to cover the amount I wanted to pay. 

However, It seem the Amex system online didn't register these changes and didn't process my payment through the correct account " XXXX XXXX ''. This would have prevented my account form going further pass due and leading to the closure. 

which has lead me to today where I made a payment towards the account to completely catch up thank god! but received unsettling service form your rep. who would not provide me any kind of company id to better identify him just his first name XXXX, He tried to tell me the systems where sown and to call back in 2 hours when i ask to speak to a supervisor. He came back attempted to resolve my issue. then when i assisted to get a supervisor and they would call me back in 30 min but i never received a call. 

I am requesting you to reinstate my account complete with the Authorized users and also in a effort of good faith a credit to the account for all retuned payment fees and late fees on the account based on the service I've received i feel this is just. 

look forward to hearing form you.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am trying to buy a house and I need to have my report updated. I provided Equifax with the statement from my car loan saying how much I owed on my loan, which is $ XXXXand they denied it, they are still showing the balance a {$710000.00} and will not update my credit report to reflect the correct balance. I explained that time is of the essence and they ignored me. They won't accept the statement because it says pay off balance, but the other 2 bureaus, XXXX and XXXX, have accepted this statement as evidence. Equifax is sabotaging my ability to purchase this home because their false reporting is making my debt to income ratio appear to be higher than it actually is.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2022-04-26
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I deposited a check on XX/XX/XXXX with XXXX on my mobile device and when I did so it said my funds would be available on XX/XX/XXXX. On XX/XX/XXXX they put a 10 day hold on my check from XXXX XXXX because they said prior history of them not honoring checks. I spoke to XXXX XXXX in XXXX  XXXX and they said thats absurd and that XXXX had already collected the money. 

I then spoke to XXXX and they refuse to release my money and said it wont be in my account until XX/XX/XXXX, even though online it says its posted. They said they are just going to hold my money.
Consumer complaint received 2022-02-03
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: Credence Resource Management, LLC (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (CA)

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. On XX/XX/year>, I mailed Experian a certified dispute letter regarding a derogatory account reported by XXXX XXXX XXXX XXXXXXXX. In this letter, I specifically requested that Experian provide the method of verification for this account. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. Despite my clear request, on XXXX, XXXX, I received an email from Experian informing me that the accounts had been verified by the company who reported the information ( XXXX ) and that this account would remain on my credit report. Experian failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. Per the FCRA, Experian is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Experian has blatantly ignored this legal requirement. Given Experians non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to XXXX be immediately deleted from my credit report. Experians refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. I request that the CFPB take swift action to investigate this matter, hold Experian accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. Please update me on the steps you will take to resolve this dispute promptly.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/2022 I used my credit card as defined under 15 USC 1602 ( a ) ( L ) to extend myself credit through the company called, '' PenFed Credit Union '' and I was denied. I received an adverse action letter from their company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and as a creditor I was denied for no specific reason. PenFed Credit Union also violated 15 USC 1602 ( a ) ( p ), by using my credit card with no apparent authority, and I the cardholder and consumer received no benefit. Furthermore, they are civilly and criminally liable under ( 1 ) 15 USC 1611 ( 2 ) 15 USC 1640 ( 3 ) 15 USC 1691 ( e )
Consumer complaint received 2022-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

I requested student loan from Sallie Mae to pursue a medical program ( XXXX ) at XXXX XXXX. Since this was my first experience dealing with banks and financial institutions, Sallie Mae bank created several loans with several accounts with different interest rates varying roughly from 7.00 % to nearly 20 %. Unable to recall all the technical details and exact numbers. I started making interest payments only for quiet some time. Now the bank is squeezing me real bad. They are obligating me to pay more than {$3000.00} each month and I am expecting them to increase this month in the near future. I just started working as an entry level XXXX XXXX and basically my whole monthly earning goes to Sallie Mae
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I have sent a debt validation letter " TWO '' times on the following dates ( XX/XX/2022 and XX/XX/2022 ) and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I have my receipt of the certified mail that my letters were delivered. Please delete this information from my credit file and cease all collection activities immediately.