davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have been a member of USAA bank for 26 years. On XX/XX/year>, I was making my bi-weekly transaction description edits in my primary checking account. When I made one edit, the USAA online banking system changed the item description of several debit and credit transactions in ALL TEN of my USAA accounts for the past 18 months. I can now not determine what these charges and credits are for without going through past statements. I have downloaded the transaction history of every account. 

I filed a complaint with USAA on XX/XX/year> and heard from them once on XX/XX/year>. When they contacted me, it was to clarify the issue since the original message taker did not record the information correctly. All ten of my USAA banking accounts are messed up, including my wifes and stepdaughter 's accounts, which I am only a signer on, not the primary account holder. 

As of XX/XX/year>, transaction descriptions are still being replaced with the edited transcription description that was made on XX/XX/year> on at least two accounts.
Consumer complaint received 2024-10-23
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: Kikoff Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-24
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/year>, I received a promotional offer from Capitol One for a Venture X XXXX card, which promised bonus points after reaching a specific spending threshold within a limited time frame. Despite being approved for the necessary credit limit, when I attempted to make a large charge to pay my income taxes, Capitol One declined the transaction, citing the need for an established credit history before approving such a large charge. Consequently, I canceled the card, as my sole intention in obtaining it was to take advantage of the bonus offer for a large tax payment. 

Unbeknownst to me, my wife had made XXXX small tax-related charges totaling {$100.00} on this card instead of using her personal card. I never received any paper or electronic invoices from Capitol One about these charges until XX/XX/year>, when they emailed me stating that I owed {$100.00} plus {$15.00} in late fees ( 5 months late x {$3.00} ). I verified the {$100.00} charges, but I called Capitol One to request the removal of the {$15.00} in late fees, as I had never received a bill. 

Capitol One claimed that I had signed up for paperless billing, which I never do, and they insisted that they had sent me previous correspondence via email. After checking my email, including the spam folder and trash, I found no correspondence from Capitol One until XX/XX/year>. 

Today, I called Capitol One again and spoke to XXXX different agents, each of whom redirected me to someone else, only to be disconnected after being on the phone for over an hour. It seems that Capitol One 's actions are indicative of a credit card company trying to wear down consumers through deliberate obfuscation and bureaucratic delays, centered on the use of overseas call centers with underpaid agents and limited language skills. 

I am willing to pay the {$100.00} charges, but I insist on the removal of the {$15.00} late fees, as I was never invoiced and had no reason to monitor this account after closing it following the earlier incident in XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo was manipulating transactions on my account to cause overdraft fees. They are changing transactions by a week 's transaction date. I called multiple times and discuss the issue with Wells Fargo. Customer service provided a little feedback as they could identifying the issue stating that they had no control over the actual post date and pending of a transaction in the " true post '' date. After about a year of trying to identify and work this issue out with Wells Fargo I was reimbursed for about half of the fees that were assessed to my account. I am not entirely sure when it started but it came to my attention during 2020 during covid when money became tight. As an event coordinator during that time you can imagine my wallet was affected the soonest and for the longest. So I was very conscious about every dollar going in and out of my account. I was processing bills down to almost every XXXX in my account. Then let 's say I had a transaction that I know put me negative and I would willingly take the overdraft fee. However once this transaction would occur Wells Fargo would then change a transaction date on an earlier posted and fully processed transaction to my account to reflect after my account had been gone negative, which sometimes would cause a return payment another overdraft fee and potentially a late fee with other finances. I tested this theory on my account and took screenshots. At that time I did get pretty upset I called Wells Fargo provided evidence. As I tried to escalate the issue nothing was ever done. I am still battling with them about this issue.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

My account with this company is being reported late 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 c
onsumer 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 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (PA)

I do not receive any mail, calls or information about the loan status. I don't believe what said about the loan from the beginning the product was changed at closing. The sales process was aggressive and predatory and now I'm in the dark on loan status. I don't know or believe from the company if I was a co signer or co borrower.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (FL)

New information was uncovered today. In reading the account information from Discover Bank I realized that Discover Bank violated their own policy when they processed a XXXX bank wire transfer within one month. My first complaint was that Discover Bank did not properly take ordinary care of my bank accounts by reviewing all of the transactions ( deposits and transfers ) in the months of XXXX and XXXX. My account after 12 years of consistent deposits and withdrawals. 
Savings XXXX through XX/XX/XXXX : Deposits {$16000.00} Withdrawals {$18000.00} Savings XX/XX/XXXX Deposits {$290000.00} Withdrawals {$290000.00} Now it was revealed a XXXX bank wire transfer issued on XX/XX/XXXX in the amount of {$130000.00} a day after a {$60000.00} seems to violate a Discover Bank limit of XXXX bank wire transfers per month. Also, this was to a person in XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

My credit report is showing unauthorized inquiries from XXXX XXXXXXXX XXXX on XXXX, as well as XXXX XXXXXXXX XXXX XXXXXXXX on XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-22
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

On XX/XX/year> my ReliaCard was stolen. I had made food purchases and last used my card at a corner store. Since, I have not had possession of my card. I went to purchase lunch and noticed I could not find my card. I checked the app and noticed several ATM transactions totaling {$1000.00}. I had only used this card for food and when I realized my account was compromised I immediately reported this to US Bank ReliaCard and was told I would not have liability and that I would be protected. My claim was incorrectly denied stating I benefited from these transactions in which I did not as I did not have possession of the card and have not had the card since XX/XX/year>. There were food transactions that posted later which I made the agent aware and he stated they know sometimes restaurants post purchases the following day. I did everything on my end to ensure the card was reported stolen and they denied my claim which is wrong and not protecting me as I should be.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NH)

In 2023, American Express denied my request ( s ) for Hardship, to lower or stop interest, and to stop contacting my ex-husband of 15 years about my account that he had never been listed on/associated with. They also suggested I borrow money from my parents to help make payments, both of whom are dead. 

On XX/XX/2023, I received a letter from American Express stating that my " Total Balance Due '' was {$2.00}, XXXX I received a letter dated XX/XX/2023 from American Express stating that they had transferred my account to XXXX XXXX XXXX XXXX for collections. This letter stated the balance was {$21000.00} I received a phone call on or around XX/XX/2023 from XXXX XXXX XXXX XXXX regarding a debt I owed. I disputed this debt immediately via letter and requested information about the final statement, any payments received since the final statement, and other information needed to validate the debt was mine. 

I was not provided any documentation from XXXX XXXX XXXX XXXX that proved the debt was valid/that I could verify it was mine. They provided no response to my dispute letter. 

Days later I received a letter dated XX/XX/2023, from the Law Office of XXXX XXXX, with a debt collection letter for the same American Express debt. I sent a letter of dispute, stating that 10 days prior I had received a letter from a different debt collector who was located in California, and whom American Express had notified me in writing was whom they had transferred my account to for collections. I explained my confusion. I requested the date he received the account and the amount it was at when he received it, and I was never provided that information, which was important as I had been told directly via letter from American Express only 12 days earlier that XXXX XXXX XXXX XXXX had been transferred my debt, not XXXX XXXX. 

I was served with a lawsuit from American Express with XXXX communication aside from the debt collection letter.
Consumer complaint received 2024-09-01
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. (MI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/year> - BALANCE {$1900.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

XXXX XXXXXXXX is reporting an inaccurate balance amount. I disputed it and it cans back verified. I called Chex system to report that the amount is inaccurate. I was told by the original representative and then again by her XXXX XXXX XXXX XXXX XXXX ) that I couldnt dispute again. I was also told that XXXX XXXX XXXX XXXX account was accurate although it isnt. I advised that they were violating my consumer rights but XXXX disconnected the call in my face I advised before that it was illegal for Chex system to post inaccurate unverified information.
Consumer complaint received 2024-10-17
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: Auto Advantage Finance, LLC (TX)

I am disputing the validity of all claims related to the account referenced under VIN # XXXX or relevant account numbers. Under the laws of OK and in accordance with the Uniform Commercial Code ( UCC ) XXXX as well as State XXXX and XXXX statutes, no deficiency may be claimed unless all required notices were properly and timely provided, and all allowable redemption and cure periods were honored as mandated by law and I can assure you that proof that the repossession of the subject vehicle was not legally in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITIONOF COLLATERAL. XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. Any continued collection efforts or reporting of this disputed account to credit bureaus will be treated as a violation of the FCRA.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continuously declines on purchases I attempt with my debit card! Regardless of the fact that I submit the correct pin which is the security

measure! I have plenty in the account to cover the purchase, but they still decline! I am using the process of providing my card and pin, YET THEY ALWAYS DECLINE! They state it is for security purpose, but that is nonsense since the security requirement of card and pin had been met! It has been absolutely debilitating be stranded without fuel and other life destroying circumstance that they create not honoring my purchases that I am attempting with MY MONEY! They do it to illegally retain our money as asset base for their benefit. I have complained over 40 times to them a
bout stopping this felonious behavior. They have not and will not change this thievery! They seem to have some shield against being charged and prosecuted for this felony they

keep perpetrating on US citizens! I have complained here many times to no avail! Your response is sheltering them from these criminal charges, as well! Your lack of action makes you responsible for them continuing to perpetrate these crimes! Even though you receive thousands of complaints against them exactly in this nature! This means you are effectively assisting them to injure US citizens financially! Wells Fargo is a criminal institution, and YOU KNOW IT! DO something about it! Or, the FTC might as well not exist! It wouldn't be hard to have Congress cut your existence from the budget! Especially since you do nothing to protect citizens from
unlawful banking institutions!
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Starmark Financial LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.