davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: WELLS FARGO & COMPANY (OR)

I found many transactions I didn't authorize that were charged to my credit card. 
Here are the dates, reference numbers and amounts. No fraud alert was given to me, despite the multiple suspicious transactions of around {$50.00} all within minutes of each other over the course of days. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed these and contacted Wells Fargo of this activity on XX/XX/XXXX Wells Fargo repeatedly told me I made these charges because I had previously purchased something from XXXX for approximately XXXX dollars in XXXX. I told them many times even thought I bought something in XXXX, I was reporting that I didn't make any further purchases. These purchases are in excess of {$1300.00}. According to the Electronic Funds Transfer Act. I reported these charges in a timely manner of under 60 days, and Wells Fargo has a responsibility to refund these fraudulent charges.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

The last payment made on this credit card account was XXXX XXXXBank of America closed this account in XX/XX/year> taking a full write off {$910.00} for an account with a {$500.00} credit limit ( the extra {$410.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Bank of America telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.
Consumer complaint received 2024-08-24
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. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an consume informing on is found to inacurate or in complete or anot te eried, e file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andil ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX  & XXXX only ) 60 days late as of XX/XX/2018 ( XXXX   & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) 90 days late as of XX/XX/2018 ( XXXX only ) 60 days late as of XX/XX/2018 ( XXXX only ) and 90 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2024-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

This complaint deals with checks issued by Wells Fargo Bank I am attaching copies of the letters we received telling us to cash the checks and we will still be able to be included in the settlement.
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: Thaxton Investment Corporation (GA)

Hey I Just Checked My Credit Report, and I received A Copy Of it, Why Are You REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT? 
ACCORDING TO 15 U.S.C 1681s ( 2-3 ) According To 15 U.SC. 6801 & 6803 Your VIOLATING MY RIGHT AND DAMAGED MY CREDIT REPORT, BY Reporting THIS INACCURATE DEBT, THAT you SOLD TO AN NON AFFILIATE 3rd Party COMPANY. WITHOUT MY PERMISSION.

ALSO you File With the I.R.S that this DEBT is an Total Loss in Revenue.

Then you Didn't Send Me The 1099-C form when you Wrote this DEBT OFF AS AN TAX WRITE OFF AND STILL REPORTED ON MY CREDIT REPORT EVERY MONTH WHY?

I never Received Any Opt Out Options for the Non affiliated 3rd party Company, Where is the Form? 
Send Me All Copies Of The Debt Buyer.
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: National Credit Systems,Inc. (GA)

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$440.00} ) Send Me A Copy Of My ID card So I can see if you have the RIGHT PERSON. 
According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Consumer complaint received 2024-06-30
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. (LA)

Equifax continues to furnish unknown XXXX XXXX inquiries dated XX/XX/XXXX & XX/XX/year>. I was told that they were removed months ago.
Consumer complaint received 2024-09-19
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (CA)

On XX/XX/year>, I experienced multiple issues accessing my child support prepaid debit card funds. My first attempt was to make a purchase on XXXX for {$49.00}, which included essential household supplies and a gift for my offspring. Despite having sufficient funds, the payment was denied with a message stating, " Payment revision needed. '' Later in the day, I attempted to place another order on XXXX totaling {$60.00} for additional items, and once again, the payment was denied with the same " Payment revision needed '' notice. This was my second denial of the day, despite the fact that funds were available on the card. 
I contacted the card company, and they assured me that I would have no issues using the card going forward. 

After third denial, I contacted the fraud department for my card to resolve the issue. When I refused to provide my Social Security Number for verification due to privacy concerns, the agent hung up on me without offering any resolution. 

In a final attempt, around XXXX XXXX, I tried to purchase food online, and once again, my card was denied. These denials have left me unable to access the child support funds meant for my offsprings essential needs and birthday. 

During my last attempt to contact the card company, I received no information with the supervisor agent # XXXX regarding the reason for the issue or who could assist me in resolving it.
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I was a victim of a scam where I sent money via XXXX on XX/XX/year> to XXXX XXXX for {$150.00} and {$1.00} totaling {$150.00}. This was a deposit for a flooring project but the work was never done. 

Chase had denied my claim saying it was my fault.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX of XXXX  I found out my paypal account that was linked to my XXXX XXXX XXXXXXXX account had been compromised numerous times and unauthorized transactions over {$100.00} from a " XXXX XXXX '' were occurring on my account. 

I reached out to XXXX XXXX XXXX regarding these transactions and they opened a claim. Upon reaching Paypal regarding this. XXXX XXXX  XXXX determined that the Merchant Authorized every transaction. 

This is false. I have reached out to Paypal, but because of how the transactions were sent. Paypal can not offer fraud protection as the form of payment sent was sent as " Friends and Family '' causing Paypal to be unable to offer protection for these transactions. 

I was able to narrow down the transactions that occurred as being over {$100.00} for each unauthorized transaction. 

The person that sent these transactions had unlawful access to my account as they logged into my account and sent the transfers, making it look like I had authorized it. 

I have been in a fight with my bank for the last 5 months and have gotten no where. 

The last date of information sent to my bank was on XX/XX/year> with evidence from the scammer confessing to gaining unauthorized access to my account and admitting that they stole money from my account. Despite this evidence. XXXX XXXX XXXXXXXX Denied my Claim.
Consumer complaint received 2019-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NY)

I have had my student loans refinanced by Mohela XXXX. I was a XXXX XXXX   XXXX at The XXXX  XXXX  at the City University of XXXX XXXX since fall 2019. The registrar and I sent in an in-school deferment form ( which Mohela made very difficult to get a hold of to begin with ) six times. They kept claiming they didnt receive it. I was still making payments while in school because I didnt want problems. Finally in XXXX, I stopped paying because my registrar said they got a confirmation that mohela received my in-school deferment. 

Mohela then reported me being three months delinquent on my account and said they cant accept the inschool deferment because we didnt submit it in time. So now they messed up my credit and charged me tons of fees even though I was a full time student.
Consumer complaint received 2019-07-18
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: Experian Information Solutions Inc. (FL)

Experian and XXXX are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit scorXXXX and these line items need to be removed from my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rent Recovery Solutions (MN)

The rent recovery solutions caller threatened of court action and never reached back to me after i told her that the facts were not correct. She said hold on and eventually hanged the phone. I tried to reach back to no avail. When i moved out of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

When i got a job i Minnesota i did give a two months notice to the respective estate managers and they approved. For the month of XXXX through XXXX i was already out of state for training and no one was leaving on the apartment and rents were cleared through end of XXXX. The lease termination dates stated by XX/XX/year>. I, flew to XXXX on XX/XX/year> arranged my items in the truck early morning of Saturday XX/XX/year>XXXX  and cleared by a lady called XXXX at the office before i left. I asked her and the manager if there was any other thing required of me and they said no you're good and they signed the clearance and kept on file. That was around XXXX. 

Later on XXXX XXXX called saying that she's sorry she did a mistake by not collecting a lease buy out sum from me. She admitted that she was new and had no grasp of the process. She said the property manager had to make her pay and asked if i could pay the sum back so that she could be reimbursed. i agreed with her and she kept texting and calling of which i explained to her i was on transition and as a sole breadwinner things were not easy but if the error was made i will pay the sum. I made a pay to one of the several links she made to me on XX/XX/year>XXXX  of {$800.00} Invoice no : XXXX. All correspondence and invoice attached as evidence. Several times she could send the links asking for same figure of {$2100.00}. I sensed this is either fraud since they could not deduct the money paid and give the correct figure. Messages between me and her can elaborate that. I was willing to clear the balance once rightfully given the correct figure and not misrepresentation. XXXX rent money orders attached along as evidence to show case i dont owe any rent arrears to XXXX XXXX. Their failure to clarify clerical duty to the client can not be my responsibility to when in whole i have not failed to fulfil my rightful part.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

Aside from receiving different and erroneous information during every call with their customer service, I received a written interest capitalization notice on XX/XX/2019, specifically notifying me I needed to pay {$3600.00} of interest within 21 days of the notice ( XX/XX/2019 ) or this amount would be capitalized ( added to my principal balance ) on XX/XX/2019. I immediately called FedLoan Servicing and asked why this was even happening as they set my payments based on an income contingent repayment plan as part of PSLF program. No one could answer my question other than this was how much outstanding interest was on my account. I was never warned this could or would happen. But, I digress. 
I bit the bullet and paid the full amount on XX/XX/2019. There was no way I was going to let them capitalize an amount larger than what I had paid off over the last 2 years! The payment posted to my account on XX/XX/2019. However, XX/XX/2019, {$260.00} of interest was capitalized. I saw this shortly thereafter when checking my online balance and called immediately. First person I spoke to didn't understand anything so I was forwarded to a " supervisor. '' My question was simple. Why did ANY interest get capitalized if I paid the EXACT amount that was stated on the notice and well in advance of the due date? After much back and forth, she agreed with me that it was an error and said that the capitalization would be reversed. 
Fast forward to today ( XX/XX/2019 ), I was reviewing my online account again and noticed the interest capitalization was never reversed. In fact, since XXXX it has been considered part of my principal balance and has accrued additional interest! I called again ( this is not to mention multiple other calls to them in the interim about other issues - in which every time I got a different answer and most often the incorrect answer ). After a 30 minute call, the young lady told me she would request a review of my issue. Request a review? I have already been told the {$260.00} interest capitalization would be reversed and now I need all erroneous interest charges on that {$260.00} to be reversed too. She said she could just submit it for review and " I could call back and follow up. '' What kind of service is this?! It's a scam! First, they most likely thought I wouldn't catch the capitalization. Second, after telling me it would be reversed on a RECORDED phone call, it was not. Rather, it's compounded additional interest on my account. And now, I need to follow up in the next 7-20 business days to see what happens??? I have a FULL TIME job and can't afford to be calling and waiting on hold for some incompetent person to tell me something incorrect. And this is not the first or only issue I've had with these people. I don't have time to elaborate on all the other horrible practices in which they engage. The whole company is a scam and needs to be investigated or simply shut down.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of XXXX XXXX of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX  and Equifax both have a statement or Narrative on two of my XXXX  XXXX accounts and my XXXX XXXX XXXX account that says something like " Customer Disputes, Resolution Resolved '' These statements need to be removed as I did not authorize you or the creditor to put those on my accounts. XXXX has already removed them because they understand that as the consumer I have rights that are protected under the FCRA. These statements are harming me and I am demanding that they be removed or we can go a legal route to resolve the issue. You can see the response of XXXX Below and I am expecting the same from XXXX and Equifax I have already spoken with the creditors and they agree that the statements should not be on my reports but yet you are placing it on there. Remove immediately. 

Company responded XXXX XXXX responded on XX/XX/2019 Response Type Closed with non-monetary relief Company 's  Response We have reviewed your complaint along with the information you provided regarding this issue. In response to your request, we have removed the dispute remarks appearing on the two XXXX XXXX accounts, as well as the XXXX XXXX # XXXX account, from your XXXX credit report. Please contact the data furnishers directly to ensure they are reporting the most accurate up to date account information. Also, please contact Equifax and XXXX directly regarding the accuracy of your Equifax and XXXX  credit reports. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been updated.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The issue is with XXXX XXXX arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.