davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TransferWise Ltd (FL)

On the XXXX XX/XX/2023 I tried to buy some hand bags online on the XXXX, using XXXX digital card from Wise. When I was completing the transaction they took my card details and XXXX XXXX, after a week ( XXXX XX/XX/2023 ) they emptied my bank account on Wise sending over XXXX $ in more than XXXX transactions to a site in XXXX XXXX in XXXX. Obviously all UNAUTHORIZED Transactions. I informed immediately the bank that those are unauthorized transactions but they didnt replied to me. How can I proceed in order to get a refund for my losses? Theyre still trying to get my money but right now I blocked the card so the last transactions ( XXXX XX/XX/2023 ) has been refused!
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is the oldest credit account that I have. I have not used it in a while after having an increase denied. I've kept the account open as a backup and to not negatively effect my overall revolving credit availability. I received an email yesterday that my account was closed due to inactivity. It referenced a notice I was recently sent warning of this occurring. I didn't recall receiving anything. I searched my email, and found a message from XXXX that started with " You have Rewards ... '' so I must have overlooked it and moved on to another email. I operate a number of different businesses and see a lot of emails. I'm not even confident this ended up in my inbox instead of a junk or promotional email folder, but the point is I never saw it, and this was the only attempt to warn me of the account closing. Now my length of credit account and overall revolving credit amount will be negatively effected, which will in turn negatively effect my credit score. A message about account closure should not have been combined with a message about awards ; more than one attempt should have been made to warn me about this possible action ; there should be verification that I received the notice rather than assuming it's been received just because it was sent. I effectively received no notice because the message I did not see the contents of the email about account closure, and now my credit will be negatively effect. I also apparently lost {$320.00} in cash back awards, but I would just prefer the account remains open to reflect the long credit history and credit limit of the account. I tried to call customer service but they say they gave me notice and can't re-open the account. If this is true, there should absolutley be better communication, more of it, and verification. Important notices for other things, like subpoenas or other legal notices, need to be sent certified mail to verify receipt. Some sort of hyperlink to confirm the message had been received does not seem like a stretch of capabilities and for something this serious, there should be some sort of verification and multiple attempts to avoid, not nothing at all.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I called Experian to ask them to remove/correct the inaccuracies of my personal information on there site. I gave them my name, current address, current employer, and current phone number.

About 2hours later I got an email indicating the dispute was finished. Reviewing the report ; I noticed they had not deleted a po box which is not my current address and did not remove the multiple names they have listed.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-18
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. (FL)

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX I expect these accounts to be removed within the time frame specified by law, not later than XXXX business days after the date of your receipt of this letter.
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have a private loan I was forced to take out during my first 2 years attending XXXX XXXX. I have had this loan for many years and my last provider was XXXX XXXX. During my time with them, I made payments ranging from $ XXXX {$85.00}. In XX/XX/XXXX my loan was transferred to Firstmark and I was told everything would stay the same ; my bills from XX/XX/XXXX until XXXX of XXXX were in the {$86.00} range which was in line with what I was paying. However now Firstmark is trying to increase my monthly bills and it is unclear why. 
I was sent a bill in XX/XX/XXXX for {$86.00} and yet charged over {$96.00} on my account. They also erroneously tried to charge me several months of late fees, which I have never been late. When I called to inquire why I was being charged more than I was billed they told me I was now in in-school status and making interest-only payments. My XXXX XXXX  was applied by them on XX/XX/XXXX coincidentally the same day they charged me a number of late fees. I explained I did not want to defer this account and would like to go back to regular payments of {$86.00}. However, I was told my payments would now be {$120.00}. 

Upon pressing the issue more I was given several reasons which did not make sense as to why my payments had increased. 
I was told, I took myself off auto pay and now was not receiving the .XXXX XXXX reduction. Yet, I was only enrolled for a week, but when I saw my account was not correct I unenrolled. So, the XXXX XXXX never applied. 

I was also told I am not being charged enough interest Additionally, I was told I chose to make a higher payment, but that was never the case. 

Clearly, something happened in the XXXX period and Firstmark is either not investigating why there is a large change to my account or just trying to get higher payments from me. It makes no sense when requesting to go back to my regular payments they would charge almost {$50.00} more and it is still unclear why my current bills is {$10.00} more than prior.
Consumer complaint received 2024-03-08
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. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot insde this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they shold be due to the fact i was never late or deletion of account immediately within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} CHILD SUPPORT XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

For XXXX XXXX XXXXXXXX, I booked a hotel ( XXXX  XXXX ) in XXXX XXXX on XXXX through the Bank of America website and using the Bank of America credit card. The reason I did this is because there was a 20 % discount advertised on the BofA website. 
I fulfilled all the conditions listed and yet did not receive the discount. 

Billing details : Transaction date - XXXX. Transaction amount - {$340.00}. 
I submitted a claim with the credit card company ( BofA ). They initially said I didnt have to pay the disputed amount ( {$78.00} ). However, 6 weeks later, they charged me the disputed amount again. 

I have called them several times but they refuse to resolve the issue.
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: EQUIFAX, INC. (SC)

I received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XX/XX/ a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OPTUM BANK, INC. (TX)

XXXX ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. XX/XX/21 XX/XX/21 XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after XXXX years without notification that these debt XXXX are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop.
Consumer complaint received 2019-05-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Pennymac set up repayment plan payments to start XX/XX/2019 

XX/XX/2019 I paid XXXX XX/XX/2019 I paid XXXX, received by pennymac by overnight mail on XX/XX/XXXX, did not post until XX/XX/XXXX. XX/XX/2019 I paid XXXX   sent overnight, pennymac claims check not received as of XX/XX/2019, not posted. 

This is second time pennymac not posting payments as of date received. All payments are made by cashier checks from bank, I have copies. Got letter from them I defaulted because missed payment when in fact payment was sent.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is guilty of gross negligence ; violation of federal laws ; slander, destructive accusations ; illegally making me lose over {>= $1,000,000} in wires to a cryptocurrency scam which are violations of Electronic Fund Transfer Act, 15 U.S.C. 1693et. seq. ( " EFTA '' ) ; fraudulently keeping my money which money was only and only returned weeks later after I complained to CFPB ; violaltionsof Article 4 of the Florida Uniform Commercial Code, Cha. 670, Fla. Stat ; breach of contract and breach of covenant of good faith and fair dealing.

For many years banking institutions have become too familiar with these type of specific scams, therefore, these insitutions have been placed in the best position to stop and prevent these scams from occuring but failed to do so by making me lose over {>= $1,000,000}. Yet, Bank of America has an entire section of its website dedicated to " privacy and security '' Further, despite the fact of having been Bank of America 's client for over forty ( 40 ) years, I was mistreated, slandered in front of my cllients, accused of being a criminal, accused of being involved in money laundering simply because after forty years I decided to wire money and ended up losing over {>= $1,000,000} because Bank of America failed to do their job in protecting me in violation of the EFTA. 

Bank of America 's actions caused me financial and emotional trauma and must compensate me for my losses.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX XXXX account has been removed from Transunion report without any reason. 
I contacted both XXXX and Transunion to correct the inaccuracy and both blame it on each other and I am lost in the middle.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (VA)

Is it possible to ascertain whether FCRA 605B requires the exclusion of inaccurate accounts from my credit report? I'm feeling uneasy due to the presence of inaccuracies in some of the listed accounts.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed account XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 
TransUnion 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
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. (FL)

I was a victim of identity theft for some reason they will not delete this XXXX XXXX  account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer
Consumer complaint received 2023-08-27
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. (LA)

On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects XXXX different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates XXXX XXXX Code XXXX, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2023-12-20
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: DISCOVER BANK (TX)

On XX/XX/23 a payment was cleared by Discover for {$6100.00} then immediately returned to the bank it was drawn from. 

Said payment was sent around 8 days prior and when I called to find out when it was cleared I was told it would take as long. I further inquired if I would know it was accepted and I could use it when it showed as available and was informed it would be. 

Based on this I started using the funds that showed as available. Later I found out I was given incorrect information and, even though, they held on to this payment to clear it ( and it did clear ), they decided to not honor the information I was provided. I certainly wouldn't have spent it if I thought it wasn't cleared but they DID clear it. 

I asked for them to review the call as all calls ARE recorded to substantiate my claim and they flatly refused to.