davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I held a checking account with Wells Fargo during XXXXXXXX XXXX XXXXXXXX. I authorized a single payment to a merchant via my debit card. However, the merchant charged my card several times ( the same amount, minutes apart ) due to an error in the merchant 's system. The single authorized charge was about {$50.00} and the merchant made 12 transaction attempts that actually were processed, but it wasn't indicated on their part. I didn't realize the error charges until a day or two later. I called the merchant immediately and they refused to reimburse me. I even spoke with the owner who resisted despite the obvious error on their part. I was only left with one option which was contacting Wells Fargo and submitting a claim to reverse the charges. I thought it was an obvious fix, but Wells Fargo did not find reverse the charges. The recommendation was to resolve this with the merchant so the charges could be refunded. I shared my attempt to resolve this with the merchant to no avail. I even visited the bank in person and was told the same thing. They could not reverse the charges and contact the merchant for a refund. 

I had several ongoing issues such as illegitimate overdraft fees and random inexplicable charges from Wells Fargo on my account during that time. I attached a few of the emails from that time frame.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-09
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. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (CA)

In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2018-08-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Bank of America transferred my title to XXXX XXXX by fraud upon the court. Racketeering, forgery, false affidavits, mail fraud, wire fraud, FALSE PROOF OF CLAIM, EXTORTION TO PAY OR SEIZE MY PROPERTY. A {$130000.00} refinance was grossly inflated to {$430000.00} debt filed in the Federal bankruptcy court seeking relief to go back to the State court for eviction. They took away my homestead exemption since XX/XX/XXXX. I AM NOT IN DEFAULT BY PROVSION 4. THE DEBTORS RIGHT TO PAY OFF THE LOAN IN FULL. 8 years litigation (XX/XX/XXXX -XX/XX/XXXX ) instead of fixing errors. QWR never fixed. {$54000.00} in illegal kickbacks added to my debt. Countrywide was a scam not a mortgage loan. We all know it. I demand my property returned and my title restored. The certificate of title was fabricated as well. No legal chain of title. No bank will finance this property FACT. TEXAS NOTARY XXXX XXXX XXXX was a willing participant with the XXXX XXXX XXXX XXXX IN XXXX - RE FILING inXX/XX/XXXX-XX/XX/XXXX the same documents to steal my property thaXXXX XXXX XXXX XXXX fabricated. So, is racketeering legal if you work for BANK OF AMERICA - is forgery legal??? No justice in 8 years. WHO PROSECUTES, WHO INVESTIGATES?? PRIVATE auctions are held to cash only investors and foreign investors Why? Because no bank will finance title fraud. Not one investor bid on my property because of the title damage. 5 law firms are guilty of civil theft aiding Bank of America XXXX and a XXXX XXXX XXXX   ( 1 ) this is a felonious intent with malicious harm to evict with no legal standing. XXXX XXXX  was sent 2 certified letters to resolve and took no action for pay off. I am not in default, I can afford a mortgage, but not extortion. I want an investigation and my property returned, title fixed, homestead restored.The government needs to be transparent and I request full disclosure under the freedom of information act - why has no one has taken legal action of crimes of property theft in FLORIDA. Why is an XXXX XXXX   over the age of XXXX constitutionally mandated to retire working full time at age XXXX?? violating constitutional law and aiding Bank of America to steal my property?? I want an investigation that has been swept under the rug for 8 years. Sincerely, XXXX.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I've tried several times to transfer money from my Marcus Savings account to my external bank account which are both in my name. When attempting the transfer via the Marcus app, I get a message saying that I need to call Marcus Goldman Sachs to do the trfr. When I call I'm told someone from another dept will return my call. They never call back. I called again they asked for an alternative number to reach me I gave ( XXXX ) XXXX They did not call that number. I was told by the Marcus rep that the number they called was a number with an area code ( XXXX ) it appears they are calling random numbers not associated with me. I don't have a number with a ( XXXX ) area code. I hope Marcus is not calling random numbers asking for me or discussing my account when they call random telephone numbers. The area code they called is in another state. I live in XXXX  They also said my ( XXXX ) XXXX XXXX was not a number in my name which it has been in my name for almost 15yrs. I'm not sure what type of hold they have on my account or why but it is not allowing me to access my funds. At this point I want to close the account. Additionally I can't access the statements on my account.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I am a XXXX XXXX XXXX who was assaulted by a student, and placed on workers comp. I suffered a XXXX  and XXXX XXXX XXXX, and the income that I was receiving from workers comp, was nowhere near what my normal salary was. I have now been cleared to go back to work, but in the meantime, synchrony Bank closed all three of my accounts that I had with them for no reason. I was a long-standing customer with synchrony, and had three cards : CareCredit, discount tire, and Sam 's club. This negatively affected my credit score, and when I reached out to synchrony to ask why my accounts were closed, I was notified that I was a " high risk for not paying '' customer. I feel that this is very unjust and very unfair, considering I had made regular on time payments for many years. Synchrony claimed that they mailed me a letter concerning each account, but I never received a single letter.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Sent validation letter do not recall giving permission to them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and XXXX authorization.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I am writing this complaint towards Paypal which permanently limited my account and being accused of selling of unapproved file sharing services. Resulting to my account has been permanently limited and won't be able to conduct any further business with Paypal. Bank XXXX linked can not be removed and my account balance will be on hold for 180 days. 

I was able to comply with the action that they would like me to do including sending tracking information which is inappropriate for virtual goods/services for my business. 

I would like to seek help on this matter as these funds and account is very beneficial for me and my business. Hoping to get the best help from you. Thank you very much!
Consumer complaint received 2024-11-02
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. (NC)

I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX - Balance : {$52.00}
Consumer complaint received 2018-08-23
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. (NY)

Experian has repeatedly verified the accuracy of Bankruptcy XXXX XXXX which is appearing on my consumer credit reports. XXXX claims that their subscription to XXXX is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to Experian requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Experian 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experians claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Experian is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database XXXX XXXX XXXX that does not allow access to any personal identification information, removed from reporting on my credit files. Experians practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
Consumer complaint received 2018-02-18
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: CITIBANK, N.A. (MD)

Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Experian, 2 forms of identification ( Driver 's License, Electric bill for proof of address ).
Consumer complaint received 2018-08-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

XXXX and XXXX are both alleging that the Portfolio Recovery account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on XXXX XXXX reflects a past due amount of {$480.00} and XXXX reflects XXXX *XXXX  reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing Portfolio to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with Portfolio, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MI)

Loan # XXXX with Franklin American Mortgage Company Monthly mortgage amount is {$3500.00}. I had been paying {$4000.00} per month every month. I mistakenly paid {$3500.00} on XX/XX/2018 for XXXX invoice, instead of the monthly mortgage amount of {$3500.00}. Still 99.6 % of the required amount. Franklin American cashed the check, then sent me back a check for {$3500.00}. I didn't receive the check and notification of under payment until XX/XX/XXXX. I sent another check for {$3600.00} that day. It arrived XX/XX/XXXX, but still got nicked the {$170.00} late charge. {$170.00} late charge for a {$13.00} underpayment seems fairly obnoxious. 

Franklin American has offered to reduce the penalty to {$88.00} [ {$170.00} - ( {$3600.00} - {$3500.00} ) ]. 

I'm requesting CFPB 's assistance in getting the remaining amount {$88.00} waived/credited back. 

Thank you.