davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a payment issue that I have been facing while receiving payments from XXXX. I am a developer based in XXXX and regularly receive payments from XXXX, and my bank in XXXX, XXXX, is not under sanctions and is capable of accepting SWIFT payments. 

It has been over XXXX months since my payment dated XX/XX/XXXX with payment code XXXX XXXX was not received. Before this, my payments were received successfully for several months. The next payment after that was received, but I am still waiting for another payment dated XX/XX/XXXX, which has not yet been received. The XXXX code for the second undelivered payment is not known at this time as XXXX does not report it until 30 days later. 

I have reached out to my bank support in XXXX, and they sent me a screenshot of the payment status, which I have attached to this letter. According to it, the payment is currently in XXXX of the transit banks in New York ( either Bank of America or XXXX Bank XXXX ). 

XXXX claims to have paid a finder 's fee and chargeback on XX/XX/XXXX, but the situation has not improved since then. Despite my repeated requests, XXXX refuses to do any additional tracing. 

Please find the details of the account to which the payment should be sent : Beneficiary institution ( Beneficiary 's bank ) : XXXX XXXX : XXXX Beneficiary account : XXXX ( USD ) Beneficiary : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account of XXXX in XXXX XXXX : XXXX I would greatly appreciate your assistance in resolving this matter. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX Sole Proprietor Add : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ID : XXXX Tax ID No : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (ID)

I opened this card in XX/XX/XXXX since then I've had 3 payments to make XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. In both XXXX and XXXX of XXXX I have received numerous phone calls and text messages from the company stating to call them immediately regarding my account. The exact message reads " It is important you contact us regarding your XXXX XXXX. Click ( link to payment website ) or call us at XXXX. '' Not to mention the numerous phone calls from " potential spam '' numbers if my payment is not made or scheduled by the 8th of the month. However my due date is the 11th of the month. I contacted them today before filling out this form to complain and state that I did not want any more of these types of messages unless my payment is past due or missed. The person on the end of the phone just kept asking how I was going to make the payment and when I was going to make the payment as well as giving me my payment options before saying " I'm making a note of these payment options on your account '' not really taking what I was saying and doing anything with it. At this point I feel they are doing debt collecting practices on something that isn't even in collections.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX {$17000.00}, XXXX XXXX XXXX {$18000.00}, XXXX XXXX {$300.00}, XXXX XXXX {$1200.00}, XXXX XXXX {$390.00}.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

I am being auto billed, {$21.00}, for checks I dont need. XXXX, PNC customer service rep, said the checks are shipped before the auto charge is made, so the order cant be canceled and I have to pay. He said I have been on auto ship for the last few years, something I never signed up for. If you check the records you will see I have never had checks auto shipped to me, I have always ordered them online for the free checks and shipping. Plus I still have about XXXX checks from the last manual order, and since I only write a couple/few checks a month, these will last me more than a year. I dont need more checks, I use online bill pay mostly. I received a text in XXXX about the checks and went online to cancel. When I found the section about auto order, the only option was to enroll, so I thought the text was a mistake. Turns out, you have to click on enroll to un-enroll/ cancel auto order. Now I am receiving checks I dont need, and am being charged for something that has always been free in the past. Their website is deceiving that you have to click on enroll to cancel an enrollment. I realize {$20.00} is not much, and for that reason I wasnt going to complain, but then I wondered how many other people are they doing this to. Plus for this charge, I only received a XXXX  of the checks I get when I order the free checks. 
You will see on the attachment what you have to click on to cancel auto bill/ship checks.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In 2017 I had made reports by phone, e-mail, and by writing letters using the U.S. Postal Service to three credit agencies explaining that the accounts on my credit report were inaccurate. The three credit agencies I reported to are as follows ; XXXX, Equifax, and XXXX. The three agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. Two weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for six years straight. Thank you
Consumer complaint received 2023-02-08
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. (DE)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DE)

Citibank has locked me out of my account because I was transferring funds of the same amount from my savings account to my linked checking account. They now will not let me into my account because they say my phone number is not " verfied ''. I asked her how to " verify '' my phone number and she told me to XXXX it. Even though the number I gave her was the number she has listed, it is not " verified. '' The case has been escalated and they all give me the same answer with no directions on how to actually verify my number. All I want to do is to close my account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I WAS PART OF HIRING SCAM WITH XXXX XXXX IN XX/XX/2022. A WIRE WAS MADE FROM MY OWN WELLSFARGO ACCOUNT IN TWO PAYMENTS EQUALING XXXX. THIS XXXX WAS MOVED FROM WELLS FARGO TO THE NEGHBORING OREGON XXXX XXXX XXXX WHICH WAS TOLD BY THE SCAMMER THAT IT WAS A SUB BUSINESS ACCOUNT OF THEIRS. THE FRAUD WAS DETECTED AFTER THE FIRST WEEKEND OF HAVING PULLED AND COMPLETED THE WIRE TRANSFERS. THAT MONDAY, AN ACCOUNT NOTICE WAS PLACED AND A NEW ACCOUNT WAS OPENED. BY PHONE, WELLS FARGO WAS NOTIFIED OF THE FRAUD. A MONTH LATER ON XX/XX/2022, A PAYMENT REQUEST FOR XXXX WAS MADE FROM OREGON BANK SHOWED AS PROCESSING IN MY NEWLY CREATED BANK ACCOUNT. WELLS FARGO WAS NOTIFIED TO NOT ACCEPT THE CHARGE AND SO THEY PLACED A NOTE SHOWING THE CHARGES WERE UNAUTHORIZED. THE CHARGE WENT THROUGH, I HAVE BEEN FIGHTING VIA CLAIMS AND APPEALS WITH WELLS FARGO EVER SINCE TO REFUND MY ACCOUNT THE XXXX FROM THE XXXX THAT DRAINED MY ACCOUNT AND PUT ME INTO THE NEGATIVES.MY CREDIT CARD ACCT WAS ALSO CLOSED BECAUSE IT SAYS I ACTED IN BAD FAITH.
Consumer complaint received 2023-02-08
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. (MI)

I am writing to report an ongoing issue with a credit bureau regarding the removal of fraudulent inquiries from my credit report. Despite multiple attempts to contact the credit bureau, they have failed to remove these fraudulent inquiries and have violated my rights under the Fair Credit Reporting Act ( FCRA ). I request your assistance in resolving this matter as soon as possible.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (GA)

Experian, XXXX, and XXXX have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

Any and all consent to Experian, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' Experian, XXXX, and XXXX are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates (MO)

caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.
Consumer complaint received 2019-07-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (OR)

The debt first became delinquent in XX/XX/XXXX. They filed suit against me in a county I didn't live in, in XX/XX/XXXX, which was more than a year after the statute of limitations had passed. I never received notice of the suit so that I could respond or was aware in any way of the suit. They then, last month, got a hold of my address and mailed a writ of garnishment to my apartment complex without my apartment number on it so that I couldn't receive it or respond and followed through with garnishing my wages. I am a single mother and rent in my area is very high. I pay over $ 1500/month for a 2 bedroom apartment for my XXXX children and I and I also have bad XXXX and am in need of XXXX XXXX for a XXXX   on my XXXX that I recently found out about, but have not been able to schedule because I'm barely scraping by and can't afford the time off of work right now. I emailed the company with a dispute as soon as I was notified by my employer and advised them that I was disputing several things about the garnishment, of my medical and financial situation, and that I needed it stopped and for someone to contact me but nobody did. That was over the weekend, and my paycheck on Friday was garnished for {$300.00}. I called Thursday afternoon and got their voicemail so I left a very detailed message about everything begging them to do something and they called me back the next day while I was at work. I called back on my break and got voicemail again and told them when I would take lunch and asked if they could answer then or leave me a message with the time they would be available or for someone else to talk to and still got voicemail when I called on my lunch. I left another voicemail and indicated I would be on lunch for a specified period of time if they could please try to get back to me and they called back an hour and a half after I had said I would be available. This was very important so I answered and left my desk to go to the patio and tried to talk to the guy and told him I couldn't go into a bunch of details because I was at work now but based on my long very detailed voicemail which he acknowledged receiving, could he please tell me if there was anything they could do but he refused to discuss it with me because I wouldn't go over all of the details again at work although he admitted having heard them all on the voicemail. Not only have they been unhelpful, but they have, what feels like intentionally, sent things to me in a way that I couldn't respond, their attitude was negative and not respecting of my privacy when I couldn't go into details at work, although I had already given them to them, and tried quite a bit to reach them outside of work to discuss it, but most of all, they filed suit against me well after the statute of limitations in my state was up.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (IL)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc. (WV)

I have had the total visa credit card for over 2 years and the XXXXXXXX XXXX credit card for around a year. I pay both parents on time every month and I pay over the minimum payment. 
The last payment I maid was XX/XX/2023 in the amount of {$140.00} on total card and {$140.00} on XXXX XXXX card. After my payments went through I went to check and make sure the payment went through and what my balances were and the available credit. My balance on bothe was {$150.00} lower than my limit but it no available credit? I was confused so I called total and XXXX both and there customer support agents couldn't give me any reasons why it wasn't available except that both had closed my account and was turning into collections. I said " how is that possible I haven't missed a payment for as long as I've had the cards! '' The agent say '' Im not sure sir, I see you've maid all payments on time and some early. '' I said I know so what gives them the right to close my account and turn it over to collections if I have defaulted on any payments and I havent. I think these companies are a joke. And honestly I'm going to be speaking with a finance lawyer on all this because my account can't be closed and turned to collections for no reason. I was never notified of anyrhing like this especially the canceling of my card.