davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo checking account, have sent the wire for some company of XXXXXXXX XXXX XX/XX/XXXX, but I used routing number instead of account number, which I found out that XX/XX/XXXX called WELLS FARGO to cancel and recall that wire and return my money back {$5400.00}. later on WF told me they have filed RECALL XX/XX/XXXX they told me that it was XXXX XXXX was holding the fund, thus asked WF for WIRE TRANSACTION NUMBER that I called XXXX was fast reply email with I.T. TECHNITIAN actually confirmed that fund was returned to WF on same day email XX/XX/XXXX. during that time I called WF 3 times, they postpone the delay time for process confirmation 7 days another 7 days now 1month passed. Local WF called for meeting XX/XX/XXXX called WF customer service that no one filed the WIRE RECALL, which WF WAS TOLD ME each time they said they filed RECALL XX/XX/XXXX and request XXXX 3 TIMES. Now LOCAL WF officer told me wait for another 45 days. WF ( WELLS FARGO ) is actual XXXX XXXX XXXXXXXX XXXX, getting a WIRE confirmation takes 2 month and longer holding the money not returning back to my acct? 
That amount was initially LOAN from WELLS FARGO, that they charging me of 10 % interest while they are holding the money longer each month about {$50.00} interest they are making now 2nd month {$100.00}, 3rd month {$150.00}.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On XX/XX/XXXX an additional payment of {$1300.00} that I had scheduled to pay against the Direct Graduate PLUS loan was debited from my bank account. When I spoke to the Mohela rep on XXXX they advised this payment was fine to leave in their legacy system. Upon access to the new Mohela platform today, I discovered this payment had not been applied and I also see this on StudentAid.Gov. I called Mohela and was advised it would take up to 90 business days to apply this payment. I intended to payoff this loan next month in XXXX inclusive of this payment. Additionally, I will incur extra interest rate expenses as the balance has not been reduced. This is completely unacceptable. I need immediate action to have either my funds returned to me or to apply these funds against my loan.
Consumer complaint received 2024-10-28
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: GOLDMAN SACHS BANK USA (OR)

Apple Card has on numerous occasions taken a long time for disputes, they rejected for for an obvious scam that I had documented and was not given a refund from the original company. They issued a credit and then recharged me 2 months later without explanation. I refilled the dispute. 

Im now being taken to collections by the original merchant.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (TX)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. Discover is missing my positive payment history from 2 seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account # XXXX is missing positive payment history from XXXX  and XXXX. 

Account # XXXX is missing positive payment history from XXXX . 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Edd unemployment benifits transfer to BOA from XX/XX/XXXX allegedly frozen pending XXXX and Edd identity intergrity verification. Edd Ca released UI benefits for BOA debit card ending XXXX on or about XX/XX/XXXX and again about XX/XX/XXXX, as verified by XXXX, Administrative Hearing Judge, and EDD level 2 for conditional hardship payment..BOA refused to send replacement card, and alleged EDD never forward release of UI payments. I filed 3 complaints with BOA investigation department from XX/XX/XXXX tthrough XX/XX/XXXX. For 14 months of missing Edd UI regular and sick pay and employer all ( 3 ) eligibility determination by EDD. But never received Ui regular unemployment from BOA, ... which created inability to file and certify for ongoing eligibility claim. I received notice from EDD that Debit card would be forwarded from BOA. Boa forwarded Edd debit card ending XXXX that was misplaced during BOA prolonged freezing of account.
Consumer complaint received 2024-10-08
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX  - XX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (SC)

On XX/XX/2022 I went to XXXX XXXX to purchase a bedroom suite . I placed a downpayment of XXXX. Little did I know nor paid any attention to the interest and finance charges. ( My Fault for not looking at the both charges ) However, my intention was simple try to payoff the bedroom suite within the XXXX timeframe. To avoid any interest or/and finance charges. I thought and believed there were no finance charges nor interest until after the 12 months. Which means XXXX XXXX began charging interest and finance charges on XX/XX/2022. Which started accumulating charges the next day.
Consumer complaint received 2024-10-08
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-10-08
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. (MS)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I called Target on XX/XX/XXXX and was told if I made a payment of {$170.00} to bring my account current the 2 late fees totaling {$76.00} acceded on my account would be removed. 

I was on a payment plan to bring my account current and was told that I would no longer need be on the payment plan and the fees would be removed. I was also told my next payment would not be until XXXX as I would be back on a normal cycle since I brought my account current.. 

first fee was added to account on XX/XX/XXXX- {$38.00} second fee was added to account on XX/XX/XXXX- {$38.00} I asked the representative multiple times if the fees would be removed and he said yes. 

I received my target credit card statement on XX/XX/XXXX and I noticed the payment of {$170.00} was applied but the 2 fees where not removed.

I called Target on XX/XX/XXXX and had to call in multiple times because the representatives would hang up on me. I finally spoke with a supervisor and was told the original call recording from XX/XX/XXXX would be pulled to see what i was promised and I would receive a callback in 48 hrs. 

I did not receive a call back so I called target credit card company on XX/XX/XXXX and spoke with a different supervisor was told the representative on XX/XX/XXXX did tell me the 2 fees would be removed.

on XX/XX/XXXX I was told the fees would not be adjusted. I asked for a manager above the supervisor and was told no/ I was told it did not matter what the representative said on XX/XX/XXXX and the fees would not be removed.
Consumer complaint received 2020-01-03
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. (IL)

I already reached out to Experian and toXXXX CARD, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2024-10-08
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the addresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TekCollect Inc. (CA)

I have been contacted during non professional business hours with repeated harassing calls. Most notable was the XXXX calls I received on XXXX XXXX while with family and resulting in disturbance at an Obscene hour. There are codes and conducts outlining professionalism and business conduct which are blatantly being violated by this collection agency in an effort to Harass me and cause my life extreme discomfort for a debt that i am not the owner of. This specific incident occurred on XX/XX/19 and phone records can be requested from cell phone provider. The problem has been on going for months. On XX/XX/19 a call was placed on my behalf to further dispute the collection and the creditor is contacting there customer who fraudulently amended the original bill to reflect my name and address in an attempt to collect monies that I do not owe. The collection company will not accept emails, has no legal team that I can contact and refuses to look at evidence and original bill to the responsible party that I have asked to provide. The collection company says they can only get the info from their customer the business which is committing fraud to collect monies from me unlawfully. Bad business practice and bully tactics to make money. Please help.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have done 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 item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) 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 : -The status of the Portfolio Recovery account is being reported as open XXXX report and being reported as a delinquent or seriously past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report -The status of the XXXX XXXX AND XXXX account is being reported as open through Transunion
Consumer complaint received 2024-10-08
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
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. (NY)

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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. (IL)

Basically I sent paperwork to the credit bureaus on XX/XX/year> asking for debt validation. As of today, I haven't received or got a response back so I'm filing a complaint against the credit bureaus to try to get this matter taken care of. I would like for these incorrect items to be removed immediately.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Dear Experian, Pursuant to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am bringing to your attention inaccuracies on my credit report from XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XXXX. 


Attached are [ relevant documentation, if any, such as a birth certificate or employment verification ] to validate my claims. 

I request that you investigate and make necessary corrections as per the guidelines of the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXX  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 60 days 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 consumer not later than 21 days before the payment due date.

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