davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I have retained new copies of my credit reports, and noticed that Wells Fargo Dollar services did not furnish the credit bureaus with the required disclosure, within the period required by law. Wells Fargo dealer services are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023 at XXXXXXXX XXXX. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2024-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I got a bill from XXXX XXXX XXXX XXXX for an XXXX room visit. I called to pay the bill, the woman helping me on the phone offered me a discount to pay in cash. I obliged and paid my debt. However, the discount amount was sent to collections as if I was suppose to pay it. On the online portal it shows that I owe a balance {$0.00} and clearly outlines the discount. I have been sent to collections. IC Systems is handling the collections, I called to dispute, I explained the situation, they did research and determined I still owed the money. However, again, logging into XXXX XXXX XXXX XXXX I see a balance of {$0.00}. 

As far as I was concerned the debt was paid in full. However, they have failed to account for the discount. I have documentation of the discount and can still be accessed on their website.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have an account with Wells Fargo dating back XXXX XXXX. This account was last paid on XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX there was no data or reporting. The account had been paid off. This vehicle was traded in XXXX XXXX XXXX and was never late of charged off. However on XX/XX/XXXX this account was considered charged off. Which would be impossible since the account is paid off and shows no balance due. I was never late on this vehicle, and could not have been charged off unless I had been late on this account for multiple months. 



This is a huge discrepancy on XXXX and XXXX and as a credit reporting agencies and must be corrected immediately. 

My XXXX show this account PAID ON TIME AS AGREED and must be removed as it is an unfair and inaccurate reporting. The FCRA guarantees fair and accurate reporting and XXXX and XXXX has failed.
Consumer complaint received 2024-02-19
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: CLGF Holdco 1, LLC (FL)

Its been over 30 days and the creditor ( FEB DESTINY AND XXXX XXXX XXXX ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. With the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

On XX/XX/2024, I received an alert that showed there was a collection account added to my credit report. JEFFERSON CAPITAL SYSTEM added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

I opened an account with Citibank on XX/XX/2024 and deposited {$100.00} into it, a few weeks later they closed it. I called to see why they said because of XXXX or something and they mailed a check to my address and I'd have it in 30 days. I called on XX/XX/2024 and was told they couldn't find my account so they couldn't mail a check XXXX was very rude, his department is XXXX. I was removed from online banking and never received a statement so I don't have the account number and they act like they couldn't understand that.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (CT)

On XX/XX/XXXX the CT DMV sent the title of the XXXX XXXX XXXX to Navy Federal Credit Union at : ( per online Navy Federal site information ), Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I have phone logs of the times I have called to NAVY FEDERAL over the past year to request a title loan duplicate form. 

As of today : XX/XX/XXXX I have asked " XXXX, '' for a history of logs pertaining to my : phone calls of inquiry on this matter, loan, and mailing history on this matter. To which he said. " NO. '' I want this recoding as well as all the recordings brought into this matter.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have an account from XXXX XXXX reporting on my credit report for a cell phone from sprint that I have never had. I have sent this company a cease and desist letter regarding this account because I am a victim of identity theft and they still accessed my report and reported the fraudulent account anyway. I requested them to provide me with a XXXX and a validation letter for this account and instead the reported on my credit report. 
I am a victim of identity theft and I am also a victim of the XXXX data breach and would like them to remove this fraudulent account off my credit report. 
15 US code 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. Please delete IMMEDIATELY.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

I do not authorize these inquires to be pulled, from my credit report please remove them. 

JPMCB Auto Finance pulled XX/XX/XXXX2024 XXXX XXXX Bank pulled XX/XX/XXXX2023 XXXX XXXX Pulled XX/XX/XXXX2022 ( XXXX  )
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: Waypoint Resource Group, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (TN)

XX/XX/2021 I mailed the application to the Fed Loan Servicing address for {$5000.00} forgiveness for teaching in a low income school for five years. The envelope was returned in the mail with a sticker applied by the USPS - not deliverable / unable to forward. 

I uploaded the application digitally and XX/XX/2021 received an email saying my application was denied. My letter was in my fedloan.org paperless inbox. 

Fedloan.org is not a functional site anymore, and the reason for the denial has not been explained.
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: Waypoint Resource Group, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-05
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: CITIBANK, N.A. (SC)

Created a dispute with the credit card company and sent them a lot of information in regards to my dispute a few times. They kept saying the didn't receive the information but then closed out my case. They finally admitted the received the information but they couldn't view what I sent them because they're system compresses pictures so they can't make them out that easily, even though the person I talked to could. Stated the case would be reopened but it never was.
Consumer complaint received 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hard Inquiries to removal : 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 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (RI)

Southwest credit systems keeps adding and removing {$1.00} from my account monthly on updates. They are using a tactic to trash my credit report since it looks like a fresh collection every time it gets updated. Please see attached files for photo evidence
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024, I walked into a Bank of America branch to do an XXXX wire transfer to purchase a vehicle in XXXX. The amount was for {$230000.00}. I handed the Bank of America associate the wire transfer instructions received by me from the dealership in XXXX. The Bank of America associate erroneously did a domestic transfer and not an international wire transfer. Therefore my money is being held at an intermediary bank, XXXX XXXX awaiting a reversal of the wire. I have attempted to contact Bank of America on several occasions wasting hours of my time and Ive not gotten any answers. I was told to wait that they had sent a secure message to XXXX XXXX and they are awaiting a response for reversal of the wire. I was told to wait XXXX hours for response. It has been way past that amount of time. When I call to ask for a supervisor after I am on Hold for XXXX minutes I am told the supervisor is not available for XXXX to XXXX hours an will receive a call back. The error lies with Bank of America as they errounusly performed an incorrect wire transfer resulting in damages suffered by me. Money needs to be reversed immediately all transfer fees paid as my money is insured up to {$250000.00} by FDIC. Please help me with this as I am getting nowhere by calling Bank of America other than wasting my time!
Consumer complaint received 2024-02-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received multiple AMEX gift cards from my employer. I have successfully used them until sometime late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (MI)

Ally Home Loans.

Escrow amount being collected is 77 % too high. {$780.00} vs. {$440.00} These are numbers calculated by the *mortgage lender themselves* in two different closing dis
closures. The higher amount on a closing document dated XX/XX/XXXX and sent before closing. The lower amount on a second closing document dated XX/XX/XXXX and sent AFTER closing. 

The mortgage lender noticed their error after closing occurred and sent me a 2nd " final '' closing disclosure after closing papers were complete. However, the mortgage is being serviced with the 1st final closing disclosure still. If they used their own 2nd closing disclosure, we'd be done here.

I have their document saying that they need to fix it, but not the fix from them. It is now 38 days on. They do not respond to my email or  phone calls anymore- they have not since XX/XX/XXXX. 



History On XX/XX/XXXX they sent a final closing document and instructed me to wire the amount in the document immediately to make sure it was there before closing. 

On XX/XX/XXXX, they wired an incorrect and insufficient amount to my closing. I was unable to close on the transaction. 

They gave an incorrect wire transfer tracking number while reporting to me and the title company verbally as well as in writing that the correct amount was sent. 

At XXXX XXXX EST on XX/XX/XXXX they sent this XXXX " final '' disclosure that still remains a problem On XX/XX/XXXX their error in sending a wrong closing amount was caught by the title agency. The mortgage lender indicated in writing that they have sent the remaining funds in the meantime. 

On XX/XX/XXXX, a manager got involved and reiterated in writing that they sent the remaining funds on the 3rd and provided a wire tracking number in the same email that began with the date of the 4th. Then proceeded to deny any errors were caused by them- while blaming it  all on others. They have gone silent since then refusing any further interaction including this correction.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

A debt collection company, portfolio recovery has made an alarming number of calls every week toy phone number. Not only do they call with different phone numbers they also use fake caller IDs. I think it's harassment and intimidating. I think this collection stems from a fraud account someone used with my identity.
Consumer complaint received 2024-02-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received an American Express gift card, and have not been able to successfully use it in either brick-and-mortar retail stores or online. I have checked the balance online ( at XXXX ) and there doesn't appear to be a problem with the card. The full balance is available, but it is declined every time I try to use it.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received XXXX letters from credit card companies that someone is trying to open credit card in my name. The cards were denied for further information required. I froze my credit with the XXXX credit bureaus, XXXX, XXXX, XXXX. Dates were XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (IN)

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. ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Between XXXX and XXXX, I opened a new account and secured credit card with Wells Fargo, without being informed of any outstanding balances or issues related to my previous account closed in XXXX. Shortly after opening the new account, Wells Fargo closed it and withdrew the funds without warning or authorization, causing me significant financial hardship. As a direct result of this action, I was unable to meet my financial obligations, leading to my eviction from my residence. I have attempted to resolve this matter with Wells Fargo, but their response has been unsatisfactory, prompting me to seek assistance from the Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-19
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: Kikoff Inc. (FL)

Its been over 30 days and the creditor ( XXXX XXXX AND KIKOFF LENDING LLC ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. With the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.