davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of 1998, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California XXXX see attached license ). The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account.

The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$22000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ).
Consumer complaint received 2021-04-25
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. (GA)

Ive sent multiple FTC reports to XXXX XXXX & Exparian. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my report.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute inaccurate information that continues to appear on my credit report, despite previous disputes. This account has been verified and updated multiple times, yet there are still significant errors regarding the following : Date Opened : The reported date is inconsistent across the credit bureaus.

Date of Last Activity : The date of last activity does not match the actual account activity and varies between bureaus.

Last Reported Date : The last reported date should be consistent across all bureaus but currently is not.

These discrepancies are incorrect and must be corrected to reflect accurate information. According to the Fair Credit Reporting Act, all information reported must be accurate, and these errors violate my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a promotional offer to receive a {$400.00} bonus for opening a checking account with Citibank. On XX/XX/XXXX I spent over an hour on the phone opening the account with an agent. I received forms to complete in XXXX and returned them promptly ( following THEIR upload directions ) only to be notified that they were illegible on XX/XX/XXXX. I again returned their CLEARLY legible form and again received a rejection on XX/XX/XXXX, with ominous language about complying with tax rules. ( The XXXX letter stated that they enclosed a Form XXXX to be completed, but surprise ... there was nothing else in the envelope! Further incompetence. ) I called the bank 's XXXX # listed on the letter to see why they can't seem to received their own forms correctly and ask if I can deliver the form to a local branch, since it is obvious that continuing to upload using THEIR system was not working. They said yes XXXX not sure why I had to come up with THEIR solution ... ) but that the promotional period to qualify for the {$400.00} bonus had expired. REALLY? How is that possible when their system is faulty! I was told that only the branch manager would be able to extend the qualification period, but that " should be no problem, they do it all the time '' So, since my mother was funding the account for me, she went to the branch to drop off the very legible bank form, make the funding deposit, and extend the bonus offer DUE TO THEIR SYSTEM ERROR. The branch manager refused. I am not interested in banking with ANY company that can't recognize THEIR error in the process, does a bait and switch and refuses the promotional offer THEY SENT ME! 
But wait ... there's more .... now, they are CHARGING me Monthly Service Fees and Account Overdraft fees FOR AN ACCOUNT I DON'T HAVE, DON'T USE! Totaling {$110.00}
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mr. Cooper Group Inc. (NY)

My mortgage company Mr. Cooper made a fraudulent unauthorized ACH charges to my XXXX XXXX XXXX XXXX  account in amount of {$2400.00} 6 times for a total of {$14000.00}
Consumer complaint received 2024-08-22
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. (LA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Repeatedly, I only elected on my XXXX for XXXX for XXXX from XXXX, but Bank of America for years now continues to operate with organized gang stalking to overcharge me monthly for that which I have never elected, {$2.00} of storage that I do not even use. 

Bank of America operates fraudulently and I have been bullied into paying this for too long and again as of XX/XX/24 it sits incorrectly charged to me as they operate with the XXXX XXXX XXXX XXXX and operatives in XXXX XXXX XXXX in XXXX XXXX New York from unit XXXX. 

Look this up as trades in manual are used to attack and sabotage innocent targeted people. I am an innocent academic who is being killed in a most unique way and harmed using not only Bank of America but XXXX as well and I hold an XXXX fico score because I have always paid my bills, but enough is enough. 

Look up the XXXX XXXX XXXX  of XXXX Massachusetts XXXX author XXXX XXXX XXXX from the XXXX on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And so much more is written about this faction being exacted on innocent Americans. 

An electronic concentration camp for a slow XXXX XXXX.
Consumer complaint received 2021-04-24
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. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2024-08-24
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. (NJ)

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

My application for a credit card at a department store was denied. Upon receiving the explanation for the denied application I found out the credit report contained inaccurate information. The inaccurate information stated I had an undischarged bankruptcy. Actually, there are two records of undischarged bankrupcy because I applied for bankruptcy twice in the last couple of years. 

I can not have an undischarged bankruptcies because my applications for bankruptcy were denied. Therefore, they can never be discharged because they don't exist. 
Nevertheless, Experian indicated this misinformation would be on my record for 7 years.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a Capital One business customer for many years and have always made my credit card payments and never not paid my bill. Several weeks ago, when I tried to use my card, my charge was denied. I call on XX/XX/XXXX and found out that the card had been closed by Capital One because there had been a change in my business ( EIN ; our company recent changed from sole proprietor to corporation ). Capital One felt it was appropriate to change the credit card number. I am sure there are many legal and administrative reasons for this. 

During my XX/XX/2021 conversation I spoke with XXXX, # XXXX, who stated Capital One had sent me information about this. All I have ever received from them are " junk '' emails. I have not received a letter, much less a courtesy phone call, to let me know of the change. He did tell me that the new card has an {$11.00} credit for overpayment on the previous account. Yet they won't transfer my accumulated rewards. On the date they closed the account I had earned {$570.00}. I can understand our not want to transfer the funds to the new card. But does that mean I am not entitled to the money I earned and that can easily be sent to me via check? 

I would very much appreciate your assistance in helping this resolved so I can get my money.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd ()

At XXXX XXXX, 2021, XXXX GMT+2, the company known as " XXXX '' ( XXXX ), previously " TransferWise '' closed my account, which contained thousands of dollars, without previous warning or explanations, and they are now holding my money ( That I need to live ) for at least 60 days! 

I did NOT break any rules or did anything illegal with the money. It is all honest money that I earn as an XXXX XXXX XXXX XXXX. 
On the same day, I appealed to them for explanations via Email, without success. They told me they can not give me any details. 

On the next day, I appealed for the balance, and gave them full details for them to refund me my money to my XXXX XXXX  account. They told me this will take at least 60 days.
Consumer complaint received 2021-04-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2021, I, XXXX XXXX brought in an old Certificate of Deposit to Wells Fargo Bank in XXXX, Ca. XXXX XXXX XXXX XXXX, Ca XXXX, I spoke with the bank manager, XXXX XXXX and he said it was so old they would have to open an investigation. It is from 1999. After 1 month, Wells Fargo still could not find the account. And I actually gave them a copy of the CD. Its very hard to believe Wells Fargo lost an account, but it sure is convenient for them to just say " we are sorry '' and there was nothing they could do for me. The investigation dept sent me a leter of apology stating they are not required to keep records beyond 7 years and that I should check with Unclaimed Property with the State. I checked several times with the State and there were no funds there in my Name. I will be glad to send you copies of the CD and the letter from Wells Fargo. Thank you, XXXX XXXX cell XXXX
Consumer complaint received 2021-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

There is no way to make payment towards your loan principal online. I try to contact Navient customer service, but they are closed and their XXXX customer service bot does not provide any information on how to pay toward principal, only how to make normal payments towards fees and interest. After spending an hour on the website, I was able to figure out how to pay towards my principal. In order to make these payments towards principle, you have to write a check and mail it to Navient, and include a note that specifies that this payment must be made toward principal and include account number. You have to find the address, which is different depending on the type of loan you wish to repay. 

Additionally, Navient offers settings online that determine where any overpayment might be sent. None of these options give the choice of paying towards principal. 

In order for anyone to pay off a loan within a reasonable amount of time, it is advised to make additional payments towards principal. As a loan servicer, Navient knows this and clearly does not want you to pay down principal as evidenced by how hard they make it to make these payments and to find information on how to make these payments.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (GA)

I previously had a collection account with NCB management as a result from XXXX XXXX. The account was settled and paid in full in XX/XX/2020. I was told if I settled the account that the account would be removed from my credit report. It is still showing on my account but a XXXX balance. This is negatively impacting my credit score. I am respectful asking that this company honors the agreement and remove NCB management from all reporting Credit Bureaus
Consumer complaint received 2021-04-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Imperial Recovery Consultants, LLC (TX)

IRC Service ( Imperical Recovery Consulting Services ) has repeatedly called about the same payday loan that I am alleged to owe dating back to XXXX in the amount of {$630.00}. I informed at least three of their consultants, most recently on or about Friday XX/XX/XXXX a male voice identifying himself as Mr. XXXX XXXX, that ( 1 ) it is not my loan and ( 2 ) to stop calling ( cease communicating ) with me because it is not my debt and I am not going to pay any amount to settle it. 

I looked up the company XXXX reference when asked what does IRC Service stand for ( the full legal name ). I am writing at IRC Service [ aka Imperical Recovery Consulting Services ] at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  TX XXXX and demanding IRC Service cease communicating with me pursuant to 15 USC 1692 ( c ) which is reproduced below.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-04-24
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. (SC)

XXXX XXXX and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX  had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''