davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my XXXX account to my Regions Bank checking account, upon checking my bank account the funds never appeared! I contacted Regions bank immediately and I learned that this particular account had been closed due to inactivity as I was unaware and Regions Bank never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to XXXX I waited for about 72 hours before contacting XXXX as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with XXXX money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and XXXX got back with me and according to their investigation Regions Bank had received funds, I contacted Regions once again made them aware of what XXXX had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and XXXX so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as XXXX had not received funds back and XXXX told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with Regions and XXXX and still had zero answers as to where money was! I have physically visited a Regions Bank branch to get a resolution to the problem and got pretty much the same answers as on the phone! XXXX also told me they had exhausted all options as they did a total of XXXX additional traces of the funds and continued to say Regions bank had accepted the money! It is now XX/XX/XXXX at the time of this writing and still have no answers nor my money that is rightfully owed to me by one of these corporations!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, XXXX, Equifax and XXXX are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I made a puchase at Kohls on XX/XX/XXXX for {$52.00}. On XX/XX/XXXX, prior to the closing date of the billing cycle, I received a charge from Kohls for {$1.00}, which was accidentally charged twice, for a bounce back of my checking account. 

I had gotten divorced and opened a new checking account at the same bank because the bank was unable to remove either spouse from the joint checking account, but I don't use the Kohl 's card very often, and didn't realize that I hadn't updated the account number. 

I called Kohls and chatted with them online several times on XX/XX/XXXX, and they credited back the fee when I explained that this was an honest misunderstanding, I have never been late, and I have excellent credit ( score around XXXX ), and held the credit card account for over 10 years. 

I spoke to XXXX different people who said the account was now cleared, and I got a confirmation that the total of {$52.00} was paid. Nobody had mentioned that the automatic bill pay feature was XXXX, or that I needed to make a one-time manual payment. 

On XX/XX/XXXX, I receive a notification from several credit card monitoring services that my credit score dropped over XXXX points!! I have always had an almost-perfect credit score, always have automatic bill pay, and have never been late. I called Kohls to inquire what had happened, and was informed that the payment of {$52.00} did not process on their end. I immediately paid the total on the app while I was on the phone with the agent, and asked them to clear this late payment from my credit reports, as this was all a misunderstading, and I had already called on XX/XX/XXXX to reverse the charge, update the checking account, and had received an update that the payment had gone through. 

I was told by the agent that they can not update the credit reporting agencies, and that I will just have to accept an XXXX hit to my almost-perfect credit score that I have spent decades meticulously monitoring and cultivating.

If you view my credit report, you will see that I have an installment mortage account, credit cards with a long history ( oldest account was opened in XXXX - XXXX ), and I have never had a late payment and pay all of my accounts off in full every month without fail ( except the mortgage - I cant afford to pay the entire mortgage off in one month, or I wouldnt need a mortgage! ).

Please help. I have already contacted Kohls ' several times, and have paid the amount in full the MOMENT I found out there was a discrepancy. This is not equitable to suffer such a large blow to my credit score all because they didn't process the payment when I updated my checking account, after receiving a notification that the payment was processing. I am the farthest thing from a credit risk.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

. I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have made several attempts to get this fraudulent account off of my credit report XXXX XXXX from my understanding someone applied for a loan online using my information it was on all three credit bureaus now its just on Equifax. Equifax has taken this off of my credit report on two different occasions, and continuously to keep putting it back on there I do not have the money to do so, but now I have to file a civil suit in order to get this taken off of my credit report. I am very big on my credit. I pay my bills on time I pay my credit cards on time this is not my account. This account is totally fraudulent and I need it off please and thank you.
Consumer complaint received 2023-05-04
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. (DE)

XXXX XXXX XXXX XXXX is reporting on my three credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX  ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

On the weekend of XX/XX/XXXX money was transferred without my knowledge or consent from my credit card account into my checking account which then was withdrawn. I contacted wellsfargo on XX/XX/XXXX and had to file the claim 3 times because they kept telling me that nothing was reported to them. Then I received a letter from WellsFargo stating that they can't send money from my checking into my credit card because I don't have enough to cover the amount. The reason being is because the money was taken out! They won't remove any of the fees or return any of the money. The amount was close to {$1000.00}
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (VA)

On XX/XX/XXXX NetSpend service rep XXXX said my account was closed and funds would be mailed to me or. I called NetSpend Corporate office and was told Yes, but no reason was given,,, I asked them if they would  allow me time to transfer money to my new account I had to open, corporate office said yes until XX/XX/XXXX, please investigate, reason for them closing my account, I currently have 3active claims in NetSpend Corporate dispute office, XXXX XXXX ,2 claims XXXX, both no service rendered, ,and I paid for 3months with these companies, NetSpend service dispute 45 days for claim status.. please investigate. thanks
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a targeted offer for opening a Citi Priority checking account with a bonus of 50,000 XXXX XXXX miles after completing certain requirements. I met the requirements months ago but the miles have not posted to my account. According to their support team, my XXXX XXXX number was missing and that is the reason for the miles not posting. Over a month ago I contacted them with my XXXX   number and was told the miles would post in 7 days. That didn't happen so I contacted them again, and again I got the same response. I am tired of wasting my time with Citi representatives and would like the CFPB to step in.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien # XXXX 3. Lien # XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (GA)

To whom it may concern, Please provide me with all the information you used for your investigation, as required FCRA 611 ( a ) ( 7 ) This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

I am requesting the method of verification for the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX documentation used to verify the dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly.If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts from my credit report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Formal Request for Detailed Verification Information Dear TransUnion, I am writing to formally request verification details for items in my credit report that I previously disputed and that you have marked as verified ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Under the Fair Credit Reporting Act, I request the following information for each disputed item : The method of verification used in your investigation. 

The contact details, including the name, address, and phone number, of the furnisher of information for each item. 

Copies of any documents or records used to verify the accuracy of the disputed items. 

A detailed record of the investigation steps you conducted, including any communication records with the data furnishers. 

Since I previously disputed under 15 U.S. Code 1681e and 15 U.S. Code 1681i, please consider this letter as a formal request under 15 U.S. Code 1681o for compensation for any negligent non-compliance. In addition, I am demanding compensation under 15 U.S. Code 1681n for any willful non-compliance with my rights as outlined in the FCRA ( attached below ). 

Please be advised that if you are unable to provide verifiable documentation for each item, I expect these items to be promptly deleted from my credit file as required by law. I look forward to receiving this information within the legally mandated time frame.
Consumer complaint received 2024-11-13
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. (DE)

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. 

Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 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 2023-09-15
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Gitsit Solutions, LLC. (GA)

Applied for Home affordability grant on XX/XX/XXXX while in a forbearance with XXXX XXXX XXXX XXXX transferred servicing to Git Sit Solutions LLC on XX/XX/XXXX There were payments in held suspense with XXXX  which were requested to be applied but were not. 

We requested a reconciliation with Git Sit XX/XX/XXXX as the amount due was inconsistent to our records and provided notice of application and underwriting of Grant XX/XX/XXXX : Git sit reported negative and inaccurate information to Bureaus on outstanding balance and XXXX  days late XX/XX/XXXX : We provided Git Sit detailed banking records and transacted payments with XXXX  and requested the disputed information being reported to be verified XX/XX/XXXX : provided Git Sit with timing to receive fund proceeds XX/XX/XXXX : Funds transacted to XXXX XXXX XX/XX/XXXX : Funds Posted to servicer. Git sit reports second derogatory trade information to bureaus with updated loan balance INCREASING by {$1200.00} XX/XX/XXXX : Request refund of allocated funds held in suspense. Git sit notifies me the funds were received from the transfer with XXXX mortgage XX/XX/XXXX and posted to the account XX/XX/XXXX Notified servicer of inaccurate information being reported while loan current and while in dispute. Filed complaint
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Long story short, I am in the process of closing on a house with a VA loan. We found out that Wells Fargo was not reporting my truck payments for over a year on a loan that was opened on XX/XX/XXXX. I had no idea that this was the case until my home loan was going into underwriting and my loan officer brought it to my attention as it all of a sudden appeared on my credit report as of XX/XX/XXXX. I went through pre-approval in XX/XX/XXXX. Wells Fargo essentially had my loan reported as in forbearance for over a year even though I was making all of my payments and on time. 

I am expecting to close on a house on XX/XX/XXXX and Wells Fargo claims they can not expedite the reporting fixes and the letter that the finance company is requesting to repair my credit report. I began discussions with Wells Fargo on XX/XX/XXXX and have spoke with them every day since. They still can't answer when this will be resolved and claim they have escalated the case. 

I am a first time home buyer trying to utilize my VA loan. With interest rates being as high as they are today, it's already tough. I would like to be able to close in a timely manner before it gets even worse.