davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo charged me with fraudulent overdraft fees XXXX during that time I was getting my payroll check directly deposited into my account biweekly and {$1900.00} deposits weekly my account never overdraft or had a low balance. After some many fraudulent fees I ultimately decided to cut ties with Wells Fargo and bank with someone else
Consumer complaint received 2023-04-29
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: CBC Companies, Inc. (IL)

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
CREDIT COLL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2024-04-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (NY)

My CD expired on XX/XX/year>. After finding no information online on how to close my account, I first called BMO the week before my CD was set to expire. I was told I needed to call back on the day of expiration / maturation, so on XX/XX/XXXX, I requested closure of my CD ( with a total value of {$21000.00} ) via a phone call. I asked for a direct transfer of funds to another bank, and was told that I could only transfer my money into another BMO account or be sent a check via mail. I had transferred funding to this CD directly online, so not being able to transfer money outside of BMO seemed ridiculous, but I relented and asked for a check to be issued. I was told that my check would be sent on XX/XX/XXXX via XXXX, that it could not be tracked or overnighted, and that I was expected to receive it within XXXX business days. 

After XXXX business days, I called BMO because I had not yet received the check, but was told that nothing could be done until after the XXXX business day timeframe. However, I was also told that the check had not yet been cashed, which suggested it wasn't lost or stolen. I was told they would automatically reissue a check after XXXX business days if it was not received in that timeframe. After XXXX business days, I then called again because I still had not received the check and was told to wait another day. This was on Friday, XX/XX/XXXX. 

Today, Monday, XX/XX/XXXX, there still was no check, so I called BMO another time. I've now been told that because the check has not arrived, that I would need to get an indemnity bond, have it notarized, and then wait 90 days for a new check to be issued. 

This is a significant amount of funds that I have not received, and it is unacceptable that BMO is not taking responsibility for returning my own money to me. It is inconceivable that they can not transfer funds into another bank, or cancel and reissue the check with proper tracking and controls to make sure my money is received back to me.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (VA)

On XX/XX/year> Freedom Mortgage sent me a letter informing me of the total mortgage payoff amount : {$6700.00} I made that exact payment on time on XX/XX/XXXXXXXX XXXX  but because I sent the payment like I've sent all of my mortgage payments -- with my online bill pay, they did not apply the full amount and are saying that now I owe an additional {$880.00} They are saying that they added interest because I did not send the payoff as a wire transfer to an alternate address.
Consumer complaint received 2024-04-08
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. (CA)

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  XXXX XXXX Account Number XXXX. are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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: Experian Information Solutions Inc. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-04-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I bought some item from XXXX using Affirm on XX/XX/2023 the amount was XXXX, with a month payment of XXXX. This item appeared on my XXXX report XX/XX/2023. This is a buy now pay later company. I paid the entire remaining balance off of XXXX on XX/XX/23. Affrim is reporting on my credit report XXXX. I dispute it, all Affrim did was change my remaining balance to XXXX when it should be XXXX. The dispute the amount again on XX/XX/23.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I deposited my paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX ) at a capital one branch. I was then told I can't receive my money as there is a " fraud '' check on my account. I have had those account for years ( 4 years ) without any issues. The bank refuses to close out my account or return the check ( my hard earned money )
Consumer complaint received 2024-02-04
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,
Consumer complaint received 2024-04-13
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: JPMORGAN CHASE & CO. (NY)

While reviewing my taxes for the XXXX calendar year, I learned that a charge had been made on my Chase Sapphire credit card to a merchant named, " XXXX XXXX XXXX XXXX '', with an amount of {$8000.00} on XX/XX/XXXX. After reporting this fraudulent charge to Chase, they began an investigation into the fraudulent charge on XX/XX/XXXX, and subtracted the charge from my account balance. 

Today ( XX/XX/XXXX ), Chase sent me a notice, saying that they are holding me responsible for the fraudulent charge. Claiming that I have " received benefit '' from this transaction. This is not true, as I haven't done business with " XXXX XXXX XXXX XXXX '', and haven't received any benefit from them. 

After further investigation into what " XXXX XXXX XXXX XXXX  '' is, I found a company called " XXXX XXXX XXXX '' that has filed for Bankruptcy, the owner of which has been charged with XXXX XXXXXXXX . It appears that Chase hasn't investigated this problem thoroughly enough.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened my account on XX/XX/2024 with promo code, TRUISTXXXX. The terms of the offer was make a direct deposit over {$500.00} and make 15 qualifying debit card transactions within 90 days of account opening and receive {$400.00} within 4 weeks. I received my first direct deposit of {$500.00} on XX/XX/2024 and made XXXX debit card transactions by XX/XX/2024. The 4 weeks elapsed on XX/XX/2024 and I had not received any bonuses. I called Truists banking line ( ( XXXX ) XXXX ) and was not given any clear information about when Id get my bonus. I asked to escalate to a supervisor who saw I had met all of the activities however did not take any action or suggest anything that would allow me to get my bonus.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my credit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX Reporting 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

I payed this company comenity bank XXXX XXXXXXXX for a XXXX card in full in 2018 also a XXXX card. I payed the accounts for deletion & they have not been deleted from my credit reports. I think its very unfair that I payed these debts 3 years ago in full and it is still affecting me. Although when I became behind on these cards I reached out to them and let them know that I had lost my job because the company was sold and everyone stayed out of a job. They hit me with sooo many fees I still payed the accounts in full when I was able to do so. If I would have known that they were not going to keep their word and delete them from my credit reports, I would have simply not payed them. Its affecting me the same as before I payed it.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (TX)

On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ". 
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with XXXX XXXX XXXX. 
I had the misfortune of being relayed to a XXXX XXXX who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft. 
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation. 
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number. 
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, Equifax and XXXX history and creditworthiness. This identity theft left XXXX XXXX of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in Texas or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.