davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 : A online wire transfer was initiated in the amount of {$9500.00} from the Bank of America website from our small business XXXX account, to our charity recipient in XXXX. There had been 30 successful online wire transfers to this recipient before from Bank of America. 

XX/XX/2023 : The wire transfer failed this time and the money was returned to our Bank of America account. This appears to have been a glitch in the XXXX banking system that the recipient is a part of. The recipient was made inactive in the Bank of America website due to this. 

*Issue* : We can't reactivate/delete this recipient, to reattempt the wire transfer again. We have contacted Bank of America multiple times since the wire was returned in an effort to reactivate/delete/readd the recipient but no one at Bank of America seems to have a clue on how to fix this. The various Bank of America departments that we are shuttled across every time we call are " Online Banking '', " Business Banking '', " Wire Transfer '' - and despite numerous calls & online chats with Bank of America representatives - they just keep transferring the calls to another department. We have been going in circles for over 6 weeks now, including 2 calls done today, XX/XX/2023. 

Please help in escalating this to the right levels in Bank of America to resolve this issue so we can send another wire to this recipient - otherwise we will have to look for Banking services elsewhere.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (TX)

I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

This complaint is about Chase Credit card services not honoring their written business agreement for how bonus points are calculated and transferred. 

During XX/XX/XXXX I signed up for a southwest Rapid Rewards Chase business credit card via Chase Bank which offered XXXX bonus points after reaching {$3000.00} in XXXX XXXX. 

Attachment 1 is the detailed business agreement : Please see highlighted text in business card attachment that describes how points are to computed at end of each cycle and should be transferred over to partner Southwest Rapid Rewards. Essentially it is all purchases minus refunds or returns. 

Attachment 2 : Is the formal Chase credit card statement for first month ( full account number redacted ). It clearly shows that the net spend in month of XXXX minus any adjustments and refunds was {$2800.00}. All of the transactions were completed well before the statement close date. 

As per these formal rules the system should have not transferred any bonus points in the month of XXXX. But their technical system has incorrectly transferred XXXX bonus points rendering them useless towards Southwest Companion pass - the original intent of the promotion. 

Had the points being processed and transferred correctly in the following month - XX/XX/XXXX, I would have qualified for Companion pass for two years starting in XX/XX/XXXX and valid upto XX/XX/XXXX as per the promotion. 

I opened the issue with them in XX/XX/XXXX and have had multiple email and phone calls with them. Whenever you speak with them over the phone the supervisors agree that points have not been correctly transferred e.g. the last conversation was with supervisor XXXX on XX/XX/XXXX and it lasted around 45 minutes. She took detailed notes and agreed to provide a resolution or formal response from Chase Marketing. 

I would like CFPB to help get the points correctly assiged to the right month of XX/XX/XXXX and have my Southwest companion eligibility for 24 months from the date that is corrected.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (OR)

I paid off my loan with VW Credit on XX/XX/2023. 
Account # XXXX. 
Financed vehicle VIN is XXXX. 
They refuse to provide my title. It's been 51 days and counting. They refuse to answer questions about when I can expect to receive my title. 

It's not like I want the title to put it in my filing cabinet. I am trying to sell the car and this inexplicable and unnecessary delay is costing me hundreds of dollars. What do I have to do to get my title?
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I opened a new business checking account with US Bank  and was to get a {$500.00} bonus if I deposited {$3000.00} into the account and kept a balance of that amount for at least 60 days. 

The fine print was the following : New Customers : XXXX code XXXX MUST be used when opening the business checking account. 
Limit of XXXX business checking bonus per business. 
A {$100.00} minimum deposit is required to open a U.S. Bank XXXX, Gold, Gold with Interest or Platinum Business Checking account. 
Earn your {$500.00} business checking bonus by opening a new XXXX Bank XXXX XXXX XXXX, Gold Business Checking, Gold Business Checking with Interest or Platinum Business Checking account between XX/XX/2023 and XX/XX/2023. 
You must make new money deposit ( XXXX ) of at least {$3000.00} ( Direct, Mobile Check Deposit, XXXX or Wires ) and then maintain a balance of at least {$3000.00} through 60 days after account opening. 
The new money deposit can not be funds held by U.S. XXXXnk or its affiliates.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2023-06-02
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)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
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: Experian Information Solutions Inc. (CA)

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 2023-06-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC (FL)

Servicer, Selene Finance ( Selene ) provided a mortgage statement dated XX/XX/2023, for my homestead property. This statement alleges a past due balance of XXXX. I am requesting that Selene produces written proof of how this total was derived ( i.e. periodic due dates and amounts, etc ). The statement also appears to reflect monthly escrow payments due in the amount of {$530.00}. In XX/XX/2023, I provided copies of property tax and homeowner 's insurance installment payments for the previous 2 years. In XX/XX/2023, I spoke with representatives at Selene and advised them of the pervasive error and reiterated that I have attempted on numerous occasions to have the accounting corrected. Although I have provided proof on multiple occasions that I pay my own homeowner 's insurance and property taxes, it is not being reflected on escrow statements and/or proofs of claim received from Selene or any of its predecessors ( XXXX, XXXX, XXXX. XXXX ).
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My original Bank of America checking account has shown two fraudulent bill pay payment to XXXX XXXX credit card ( amount : XXXX USD ) on XX/XX/2023 and to XXXX XXXX credit card ( XXXX USD ) on XX/XX/2023. Bank of America had never notified me of these two fraudulent transactions, and I discovered these suspicious activities on XX/XX/2023 and immediately contacted Bank of America for fraud claim and froze my original checking account. I have never made any previous transactions to these 2 banks, nor I do possess any of their credit cards, and I was always careful with the cybersecurity of my devices with regular anti-viral software clean-up, but somehow still encountered fraud activities. However, after initial investigation, Bank of America denied my claim, neglecting their responsibility of safeguarding the properties of their client. Therefore I'm filing this complaint in desperate need of your help to make Bank of America honor my claim as this huge amount of fraud loss has put my everyday living in critical conditions. Thank you so much and I hope to hear from you very soon.
Consumer complaint received 2023-05-18
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. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-26
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. (KS)

in accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.