davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (WY)

I am submitting a formal complaint regarding an unresolved, ongoing delay with a wire transfer routed through XXXX XXXX ( sending bank ) to Citibank ( receiving bank ) in the United States. The funds are being withheld by Citibank. 

The transfer, initiated from my Wise account ( through XXXX XXXX ) and directed to my Interactive Brokers ( IBKR ) account ( which banks with Citibank ), was expected to complete on XXXX XX/XX/year>. Both XXXX and XXXX have informed me that the funds are held for additional review at the receiving bank, Citibank, despite my having provided all requested documentation. This delay has resulted in significant inconvenience and financial disruption. 

Details of the Issue : Entity/account holder : XXXX & XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX on behalf of Wise Receiving Bank XXXX Citibank, XXXX on behalf of Interactive Brokers ( IBKR ) Amount of Transfer : XXXX {$90000.00} Date of Expected Transfer Completion : XXXX XX/XX/year> Case Reference provided by IBKR for the investigation by Citibank : XXXX / XXXX Wise transfer reference : XXXX IBKR 's deposit reference : XXXX Background : On XXXX XX/XX/year>, I initiated a wire transfer through Wise, which was routed via XXXX XXXX, to my IBKR account XXXX with Citibank acting as the receiving institution XXXX XXXX requested and received additional information to support the transfer, subsequently assuring me that the funds would be released by XXXX XX/XX/year>. However, despite XXXX and XXXX confirming that no further action is required on my part, Citibank has yet to release the funds, citing an ongoing review. 

There has been obvious financial loss, given that the funds have been held up for more than XXXX weeks at this stage. 

Request for Assistance : Given the involvement of XXXX, XXXX XXXX XXXX, XXXX XXXX and Citibank, I am formally requesting the CFPB 's intervention to expedite the release of my funds and facilitate communication with the relevant parties. If additional documentation is required to resolve this matter, I am prepared to provide it. Attachments : XXXX ) SWIFT confirmation for the transfer XXXX ) Wise 's transaction invoice for the transfer XXXX ) Email from IBKR stating hold up by its bank ( Citibank ) XXXX ) Email from XXXX confirming that no further information was required and funds would be released on the XXXX XXXX latest. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the timely completion of my transfer.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

XXXX XXXX from XXXX XXXX XXXX responded to a previous claim that " XXXX recalled an account '' What I am referencing does not state XXXX, it states 11 CHARTER COMMUNICATIONS for an amount of XXXX she also lied and said they do not handle credit reporting. Well please explain why XXXXXXXX XXXX XXXX is on my credit with 11 charter communications listed as the original creditor. 

Once again, I never received any information in regard to this fraudulent account that your company ILLEGALLY placed on my credit report without properly notifying me and giving me the opportunity to properly dispute, which is an FCRA VIOLATION on XXXX XXXX XXXX part as a debt collection company. You have laws that you have to abide by. 

Now I have provided you with an identity theft report from the government website FTC again. This is a second attempt that I'm noting to inform XXXX XXXX XXXX, that they are reporting fraudulent information on my credit report. According to the FCRA laws you are REQUIRED to STOP REPORTING fraudulent information and remove it from said persons credit report once you are made aware and given a government document stating such, please do so.
Consumer complaint received 2020-04-26
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. (TX)

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (IL)

I am a senior citizen with a pending rental application for a property public aid housing. Compliance department for XXXX XXXX XXXX needs certain information from SoFi in order to process my file. During XX/XX/year>, I authorized compliance for XXXX XXXX XXXX and property management to obtain necessary information from SoFi bank. During XXXX, I placed several calls and even conference calls between all parties to get this finished. SoFi bank has failed to provide the requested information in order to resolve this last step of my housing application.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX , XXXX XXXX   PDT Subject : FINAL LEGAL NOTICE/DEMAND FOR PAYMENT TO WELLS FARGO on XX/XX/XXXX - from XXXX XXXX To Wells Fargo - That is clearly wrong. You need to look at when I actually opened this account! 

See you in court. And you will be hearing from several different government agencies that I will be reporting this to as well, including what your XXXX branch put me through to open this account ; AND the numerous fraudulent charges on the debit card connected with this account clearly due to the fact that WELLS FARGO DOES NOT MAINTAIN CLEARLY REQUIRED ENCRYPTION on those cards to keep them secure!!! I will be adding {$300.00} to the damages I request in this small claims lawsuit for the time I had to take away from running my business because your branch required me to come into your branch MULTIPLE TIMES to get those fraudulent charges removed! Actually, I will present a very strong case to the proper anti-fraud, consumer protection agencies that Wells Fargo should be IMMEDIATELY barred from issuing any more such account debit cards until they can insure to such agencies that the cards have such adequate encryption/security to prevent such fraudulent use! 

I WILL ALSO BE REQUESTING PUNITIVE ( treble ) DAMAGES IN THE SUM OF {$2100.00}, and {$400.00} for the 4 hours I will have to take off from work to handle that lawsuit, along with ALL legal costs. 

I will be filing this lawsuit in XXXX County Small Claims Court at XXXX XXXX  today. Wells Fargo 's OUTRAGEOUS, FRAUDULENT CONDUCT clearly warrants punitive damages. I will also be sharing all of this with the XXXX XXXX and every possible consumer protection agency I can find. You would think Wells Fargo has had enough adverse publicity over its fraudulent conduct over the last 2 years, which I will then introduce in my small claims suit clearly establishing Wells Fargo 's established business practice of FRAUD on its customers, not that any CA judge really needs to be reminded of that!!! 

You might want to immediately run this {$500.00} bonus payment by your legal department. 

XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$490.00}
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

In XX/XX/XXXX I made two payments on my XXXX XXXX account of {$100.00} and {$330.00} which left me a balance of {$550.00}. In XX/XX/XXXX due to COVID related issues I was evicted from apartment on or about XXXX XX/XX/XXXX ( see attachment ) for specifics. I was officially released from apartment by the landlord on XXXX XXXX ( see attached voucher ). The account was closed per my request ( XXXX XX/XX/XXXX ) I have since paid off what I owed the landlord. However, in XX/XX/XXXX my electrical account was was reported on my credit reports as delinquent. XXXX and I could not come to agreement on the amount due because they had no record of my XXXX payments. The account was sent to a debt collector and palaced on my credit report. In XXXX, I got the debt removed from my credit reports however in XX/XX/XXXX, the account was transferred to another debt collector Transworld Systems and they have been reporting the delinquent date as XX/XX/XXXX under the amount of {$850.00}. When I requested information or any information, they had on file on the date... they sent a reply back to the credit reporting agency of " No Data Available ''. That in itself should have required the removal of the debt but it was not. I have tried every way possible to get this corrected. Sent documentation but to no avail.
Consumer complaint received 2018-10-31
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. (MA)

The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the XXXX  credit agency multiple letters in both XX/XX/XXXX and XX/XX/XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. XXXX has refused to comply with XXXXs request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Last month I received an alert from XXXX that my credit score was dropped by XXXX due to Capital One reporting me being over limit by {$29.00}? The XXXX overlimit fee was paid immediately. I reached out to Capital One which stated they only report late payments. Needless to say XXXX dropped my score from XXXX to XXXX. UPDATE MY COMPLAINT WAS INVESTIGATED BY XXXX THEY ON GAVE ME XXXX BACK OF THE XXXX I HAD. SO I AM FILING A COMPLAINT AGAINST XXXX. I WAS NOT LATE OR OVER 30 DAYS.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Services, Inc. (TX)

XXXX XXXX XXXX Bank XXXX XXXX XXXX # XXXX to my small business, XXXX XXXX  XXXX in XXXX XXXX XXXX during the Covid- 19 pandemic. Since then, they have placed a hold code/flag on my account preventing me from receiving forgiveness for my second draw XXXX  loan through my financial institution. The Small Business Administration alerted me that this company needs to remove this code before I can receive forgiveness for my loan. I have attempted to contact XXXX MULTIPLE times regarding this issue since I found out on XX/XX/XXXX. I was first told that this issue would be escalated to the appropriate team. On, XX/XX/XXXX, I called back to check the status and was told the code was cleared. I then contacted the XXXX to confirm and was told that it had not been cleared. I called XXXX  back immediately and was told by another representative that they are actually still working on this request and are still verifying my loan information. Furthermore, my loan through XXXX  is extremely past due, as they've allowed my and millions of other loans to go into default because they have mishandled this entire process! This will be my final step before I contact an attorney. I have no idea why any of these representatives aren't on the same page when it comes to my personal and sensitive information. However, I will not be contacting XXXX  about this any longer.
Consumer complaint received 2019-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

XX/XX/2019 I was notified by my XXXX XXXX XXXX XXXX, that EQUIFAX was reporting my Credit Score 100 points less ( XXXX ) than the Other Credit Reporting Services XXXX  ( XXXX ) " I have NO Derogatory ... I contacted EQUIFAX via Chat, Individual just kept repeating her self not addressing the issue. Then after a half hour wait spoke with XXXX ( XXXX ) ( Supervisor ) who repeatedly stated that the score from Equifax 's Website was NOT their score ( even though their site provided and my Credit Union had roughly the same score ). This 100 point difference without a valid explanation, cost my family thousands of dollars in Interest being paid on debt. This is unacceptable, AND needs to be addressed.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (TX)

Enhanced Recovery Company is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX assured me that they pulled this from Enhanced Recovery and no other collection attempts and it would be removed from my credit.
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (OH)

Sallie Mae is constantly calling, multiple times a day. When I tell them Im in a debt modification program and try to provide them with a number to call, they refuse to take the number. Ive asked them to send everything in writting and they refuse telling me that I have to pay and they abuse me verbally over not being able to pay. Im sick and the stres makes the injury worse.
Consumer complaint received 2019-11-20
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. (TX)

XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXXXXXX for and I also returned the box. XXXX assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.
Consumer complaint received 2024-11-01
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. (MN)

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax refuse to release my credit report. I sent my approved documents 6 TIMES my social security card & passport. They continually stated they didn't receive the documents or the picture is not visible. How could they say the picture isn't visible when I was informed the document wasn't received
Consumer complaint received 2024-10-30
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. (FL)

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX, number:XXXX
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

There was a fraudulent transaction for {$39.00} on my credit card ending in XXXX. The bank canceled the card and issued a new one with a new account number ending in XXXX. However they simply transferred the fraudulent {$39.00} transaction onto the new card.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

Fortiva XXXX didn't not disclose that they would be charging me {$170.00} annual fee ( before I even receive the card in the mail ) nor did they say I would also be charged {$19.00} for having a XXXX  card for another authorized user. Please Help. I can't afford these ridiculous fees right now. I got it for emergencies. My fiance has been fight neck and head XXXX since XXXX