davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

Hi this incident was happen when I was trying to wiring money from my checking account from XXXX XXXX XXXX to the closing attorney office amount of {$8000.00} for closing on a property on XX/XX/XXXX. After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the XXXX XXXX XXXX to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in Citibank bank XXXX at address : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX and this was not the account we expected our money going into and I called to report the fraud on that wiring to the XXXX XXXX XXXX XXXX XXXX and they were able to stopped transection and had the the case # XXXXXX/XX/XXXXon this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the XXXX XXXX XXXX XXXX let them know I still did not have the refund from that wiring and XXXX XXXX XXXX told me that Citibank needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : Citibank ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between XXXX XXXX XXXX and CitiBank and I have been calling XXXX XXXX ( XX/XX/XXXX) and XXXX XXXX ( CitiBank ) and I got no help and they told me now money is holding at Citibank and they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. thanks
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I have not had access to my account for over one month. On XX/XX/18 coinbase disabled my ability to place buy orders on their system, and consequently blocked me from being able to log into my XXXX account. I have several thousand dollars that are inaccessible to me, with no explanation from coinbase as to when I will receive access to them. I have spent multiple hours on the phone and sent numerous email correspondence to the company, only to be given very limited information that they are behind, and my case has been escalated. Customer support is rude, dismissive, and often hangs up on customers. This company has no regard for any sense of professionalism and has held my money against my will for an unacceptable amount of time. In response to a previous complaint made on CFPB, coinbase also blatantly lied by saying that I can access my funds at any time. Once again to be clear, I have thousands of dollars I am unable to log in to see if they are even still in my account on XXXX, let alone withdraw them. At this point I do not know if my funds have been stolen by employees and some sort of fraud is taking place.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My XXXX credit card was charged {$2100.00} on an unauthorized charge. 
I 've called twice last week to discuss the issue. I was told twice to expect a call within 48 hours from the Fraud department. I have not received any return calls. 

I 've also attempted to call every day for the last 4 days, but the call remains on music hold for over 30 minutes and I have hung up multiple times.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (FL)

Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. 

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX
Consumer complaint received 2024-11-06
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. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have two accounts - personal and business. I have also a credit card from Bank of America. XX/XX/XXXX was the due date of the credit card. I deposited {$110.00} the same day and made {$25.00} dollars payment towards the credit card, later that day. I told an employee of the bank that I deposited {$110.00} and not to charge me any fee. She told me that she could see the amount but she said, '' it is not posted, your are not going to be charged late fees ''. Meanwhile, I transferred {$12.00} or {$11.00} dollars from one account, in case to avoid late fee charges. 
On XX/XX/XXXX, I called credit card unit of the bank and asked the reason of the balance never reducing, in spite of my regular payments. 

A lady told me that my credit card balance is not reduced, because, '' first, there is a late fee, second, out of $ XXXX monthly payment, {$10.00} is interest charge and the rest {$15.00} reduces the card balance. '' My argument is this : The bank confirmed that there was a deposited check of, {$110.00} that day, on XX/XX/XXXX, but added a late fee. The reason was the bank did not post the depot, the same day, and I was charged {$25.00} dollars late fee. I think, it is unfair and unreasonable to penalize the customer for its own short fall, not posting the deposit. 
I am writing this, it is not because of {$25.00} dollars significance but, to bring to the surface the absence of fairness and good business practice.
Consumer complaint received 2018-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (NJ)

In XXXX I applied for a Payday loan with XXXX  in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations. 
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting. 
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX   would forgive the debt and settle account in full. 
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX   with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount. 
I would appreciate clarification in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2018-01-18
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 (WA)

My name is XXXX XXXX and unfortunately I was brought into a conspiracy by the U.S. Government. I was wrongfully XXXX for 7 years in XXXX. Before I turned myself in eight months later I was receiving SSI for my XXXX of a XXXX XXXX/XXXX XXXX  was in paired. I suffered a overwhelming hardship and need money to fight my case. LEGALLY SSI IS CONSIDERED EXEMPT MONEY AND CAN NOT BE GARNISHED FROM MY ACCOUNT. i WAS NOT ABLE TO GET THE MONEY BECAUSE THE CHILD SUPPORT AND WELLS FARGO SEIZED OVER {$20.00} FROM MY BANK ACCOUNT. INAPPROPRIATE GARNISHMENTS RESULTED IN A FINANCIAL HARDSHIP FOR ME AND MY FAMILY ARE CONTRARY TO LAW. SUPPLEMENTAL SECURITY INCOME BENEFITS UNAUTHORIZED UNDER TITLE XVI OF THE ACT ARE EXEMPT FROM CHILD SUPPORT GARNISHMENT AND INCOME WITHHOLDING. WELLS FARGO DID NOT PROTECT MY ACCOUNT OR MY MONEY. ALL OF THE MONEY GARNISHED BY CHILD SUPPORT SHOULD BE REIMBURSED BACK INTO MY BANK ACCOUNT WITH INTEREST. WELLS FARGO SHOULD BE HELD ACCOUNTABLE AND TRANSPARENT. FINANCIAL HARDSHIP! MENTAL HARDSHIP! EMOTIONAL  HARDSHIP. I NEED HELP! 
On XX/XX/XXXX2011, the department of the treasury, in conjunction with other federal agencies, issued an interim final rule, regarding the garnishment of accounts containing federal benefit payments. In light of this rule, the federal office of child support ( XXXX ) is emphasizing our policy related to garnishing federal benefits, especially those related to ( SSI ) income benefits. We urge state and Tribe child support agencies to implement automated and manual safeguards to ensure that SSI benefits are not garnished. 
The social security act ( the act ) permits garnishment of child support directly from the federal payor of " monies payable to an individual which are considered to be based upon remuneration for employment ''. See section 459 ( h ) ( 1 ) of the act. In nearly all states, if the state is unaware that a noncustodial is receiving SSI and the funds in the bank account are frozen, the state has procedures in  place to quickly release the funds back to noncustodial parent, the rule goes on to
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (ID)

Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin. 

I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems. 

Transworld 's latest letter was XXXX/XXXX/XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given consent toward. I am frustrated and my consumer rights are being violated. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediatelyXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I send a certified letter asking Experian to investigate my account and demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) on the accounts listed below. They never sent proof and they claimed they verified the information. 
I filed a CFPB complaint asking for another investigation and they claimed everything was updated and accurate. After they stated this they also said : " Regarding the items you listed, according to our records, the disputed information does not appear in your current Experian credit report '' These statements are completely NOT true and they contradicted themselves. 

Please note the screen shot date and the date that Experian claims this report was made. This is a updated report taken directly from their website!!! 

The XXXX XXXX XXXX account was charged off on the following date : XX/XX/XXXX the date of last activity has not been updated on Experian even though the claimed to have updated the account. The date of last activity on Experian is XX/XX/XXXX. And on XXXX it's XX/XX/XXXX The XXXX XXXX XXXX XXXX XXXXXXXX account was charged off on the following date : XX/XX/XXXX the date of last activity and amounts has not been updated on Experian even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX account was charged off on the following date : XX/XX/XXXX the amounts has not been updated on Experian and they show that this account was closed on XX/XX/XXXX then reopened on XX/XX/XXXX XXXX and then charged-off on XX/XX/XXXX even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian, The charge-off date is different because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX XXXXXXXXNo Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 


if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed inaccurate. Please delete these accounts from my report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Kindly block and remove the inaccurately reported accounts on my credit report immediately. It is essential to do this promptly as these errors are affecting my creditworthiness. These inaccurate accounts have been flagged for removal at my request. The bureau must act to update my credit report and eliminate these false entries.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called ( XXXX XXXX XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

TransUnion Hard Inquiry XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXXXXXX 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 Fcu XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX Cap XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX Apr XXXX, XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-06
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.