davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 a total of {$1100.00} plus {$120.00} fee was held due to a legal order from XXXX On XX/XX/XXXX I received a Notice of Legal Order via email stating the funds were being held until the XXXX unless told otherwise at which point they would be sent to the XXXX. 

I dealt with the XXXX there was an error on their end I had to fax them some info in the meantime they released partial funds On XX/XX/XXXX partial funds in the amount of {$650.00} was returned back to my account. 

Everything was received and approved by the XXXX on Monday XX/XX/XXXX at which point the faxed to the bank to release the hold and return funds to me. I called the bank on this day to verify the received the fax the person I spoke to said yes they reversed the fee of {$120.00} and said it would take XXXX to return back to my account the remaining {$500.00} I called today XX/XX/XXXX to ask about the status of the credit back to my account at which point I was informed that the money ( {$500.00} ) was sent to the XXXX on XX/XX/XXXX. 

I have called them ( Bank of America ) 5 times today have been hung up on XXXX of those 5 times. I have been requesting the Notice of Legal Order to send that money to the XXXX BEFORE the XX/XX/XXXX deadline on their notice to me. They refuse to provide it saying they dont have to provide it for me the money has been sent to the XXXX and there is nothing they can do to credit my account that money. 

Im looking for some kind of accountability on why they did something without informing me and that goes against the notice I was given. I was rushing to get everything the XXXX was requesting within the time frame of XX/XX/XXXX based on the notice I received from the bank so why did they break their notice without informing me. Im just looking for a Legal Notice to send my money to the XXXX before the date on the Notice because the XXXX said they DID NOT provide that to them so who authorized the early transfer and why?
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. 
This is the transcription of the video recording I took during that phone call. 
XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? 
Discover : Yes sir, that is correct. 
XXXX : Okay, great, just confirming one more time, thank you. 
Discover : You 're welcome sir, have a wonderful evening. 
END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (ME)

Over the XX/XX/XXXX/XX/XX/XXXX I fell behind in paying my bills. When the credit card companies called I spoke to them and told them that when I started working again and was able to make a payment I would notify them. There is one company that has called almost every day since XX/XX/XXXX, Discover Card. They call on Holidays and Sundays, several times a day. I told them that I run a XXXX and that is a XXXX. I live in one of the poorest counties in Maine, it is now XX/XX/XXXX but business is still extremely slow. I do n't have money for them. On XXXX XXXX I started receiving general assistance from the town. On XXXX XXXX they plan to seek legal action against me. They call and say you must call us in the next 48hrs or else. If I had the money I owed them I would pay them. I was XXXX for thirteen years and never took anyone to court, I was never taken to court either. Thirty years without missing a bill. My house has been on the market for the last six years. XXXX realtors in six years still the house has n't sold. I spend each day going to the library searching the various job boards for several hours. When a person that has been self employed all his life tries to find a job its very difficult to find someone who wants to hire you. I have called other government agencies looking for assistance in finding work as well, as of this file date nothing.
Consumer complaint received 2024-05-16
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

Payment amount {$640.00} Payment date XX/XX/year> XXXX account number XXXX Current creditor XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX Original creditor XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX, XXXX. account number ending in XXXX
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

An international wire which was initiated on XX/XX/XXXX and had a XX/XX/XXXX value date, has been rejected by Wells Fargo on XX/XX/XXXX despite being told all requested information and documents have been received and fulfilled. 
It seems this bank 's " wire room '' and the " Global Compliance department '' are on two separate planets. My lawyer sent all the documents to the XXXX office back in XXXX, but on XX/XX/XXXX the wire room again said " We need a-z information and go to a branch and submit the document again in person '', I did, and called them the next day to make sure they have it which they said " Yes '', but guess what! Again after the weekend, they said we did not receive the info so we rejected the wire! 
More training is needed here, PLEASE! 
I have called Wells Fargo 's wire room at least XXXX times over XXXX weeks and heard XXXX different replies ( Yes! XXXX of them changed her reply twice in a XXXX call ). They all were courteous but unfortunately, none had a clue about what was going on ( including a supervisor ).
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two letters from the above-mentioned office prepared on XXXX XXXX XXXX XXXX. One letter asks to return the identification information along with this letter, which shows that the sender requested the fraud alert, even though recent CFPB review has mentioned the alert is already on my credit. Since I have not changed my phone at all for years before the Pandemic, I do not have to ask the addition to the credit report. Even though the credit which you mentioned in the letter is not clear, I do not have any intention to open new credit card with any stores, especially, with which recently closed my credit card without any formal request from my side. Since I never requested the addition of my phone number and opening of credit ( card ), I insist the person who requested these matters should be an impersonate of mine, XXXX XXXX. Please notify the appropriate public organization. Meanwhile, I will submit this letter to the CFPB and other public organization for the investigation. 
Another letter also asked the submission of personal information, even asking to enlarge photocopies. Since my copy machine does not have any function to enlarge, I will not submit them, especially, your office is asking to send the address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Since I have officially recognized as suitable for the data breach settlement of your company, I will not send this information except above-mentioned address with enlarged copies. 
Lastly, I have checked the review submitted to CFPB on the report ( XXXX ) regarding XXXX Since the account was officially closed by XXXX XXXX  itself and I had received the refund upon the closing, I do not understand why the concern to add more information of Equifax credit report was mentioned there. Since I do not have any intention to open another credit card with this XXXX XXXX XXXX, I do not expect any further movement on the record of this store card. 
Sincerely,
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (UT)

Previously, I had made payments online with Discover. My payment history demonstrates this. Two months ago, I went to make a payment and the system asked me to re-enroll my account. I did, and was still unable to make a payment. Unfortunately, I was out of the country and did not have access to a phone, simply internet. The payment went past due. I sent a check, they apparently also didn't receive it. Now my account is past due 60 days on my credit, I went to go make a payment this morning online and was unable to do so. They asked to re-enroll my account, so I submitted my banking information again AND it would still not allow me to make an online payment. I had to call ( thankfully I had cellular availability ). I was advised by XXXX in Ohio on XX/XX/2022 ( she would not provide any identifier to me ) that their online system has been having trouble with payments. We proceeded to do a payment online. However, she would not work with me on the inaccurate information that was now reporting on my credit bureau. Had there not been any online problem with their payment system, I would not have been late. It is that simple. It is also telling that I didn't need to re-enroll or provide any payment information to the agent on the phone- discover already had it ; due to their error, I have been unable to make payments.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, capital one restricted my withdrawals, because they said there were unauthorised transactions, but the truth is that that money was transferred between me and my friends to each other because of rent and grocery, and borrowing and repayment between us. 

They tried to verify my relationship with my friend and the transactions between us was using by XXXX, but they couldn't verify my friend 's phone number which he used for his XXXX account. My friend and I are XXXX XXXX and we are here for a XXXX XXXX XXXX XXXX XXXX. We only arrived in the XXXX XXXX XXXX XXXX 

I took immediate steps to call them for counselling and they sent me an email afterwards, then no more update from them anymore. 

transactions : On XX/XX/XXXX, my friend transferred me XXXX, XXXX and XXXX amount respectively, then I in turn transferred XXXX to him. 

On XX/XX/XXXX, my friend again transferred me XXXX as borrowing from him.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I sent a XXXX payment of {$850.00} to XXXX to rent a room she kicked me out for talking to much. Charles refused to give me my money or protective my money from someone doing rental scams
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I purchased a XXXX XXXX  and the XXXX  cancelled the XXXX. I want my money back I contacted the company they refused to refund me my money back. I contacted the bank and they refused to give me my money back.
Consumer complaint received 2024-05-16
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'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (SC)

On XX/XX/2023 CREDENCE RESOURCE MANA showed up on my credit file. Stating that I owe an alleged debt of {$200.00}. I never got any correspondence from this company before having them appear on my credit report. I just woke up one day and they were reporting. CREDENCE RESOURCE MANA is in violation of the validation of debts ( which is codified at 15 us 1692g ) because they never sent any correspondence to verify that I owe the debt or to allow me to depute the alleged debt. I don't know who this company is or where they came from. One thing I do know is they are practicing abusive business practices and harmed my credit file. Since they fraudulently reported on my credit file my credit file has been damaged by a total of XXXX points.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with these creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

these creditors Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-16
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. (MI)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In the past two months XX/XX/24 XX/XX/24 Ive been working on my credit. I sent certified mail to all XXXX Credit bureaus and a lot of information has not been changed. I sent the certified letters to let them know there were hard-hit inquiries that I did not approve. I also sent copies to show them. Which ones wasnt approved by me. There is a reason XXXX XXXX score is a XXXX to XXXX point difference than the other two bureaus and its because they have information incorrect and they refused to fix it. I dont know what I can do. I dont believe any other took off the incorrect information which was a lot of inquiries out of XXXX XXXX Florida XXXX which I did not agree to run my credit for considered hard hits and they havent been removed the issue with XXXX XXXX on why my score is so much lower. I can not figure out and there was no assistance when I spoke to them.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX/MILESTONE XXXX XXXX XXXX XXXX, OR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Onity Group Inc. (CA)

I sold a house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loan was paid off in XXXX. Last month, in XXXX, 5 months after the house was paid off and cleared escrow, I received a call from PHH Mortgage, claiming I requested a charge back of {$750.00} and it was sent to the requester, I believe, two days later. I informed them I do not request the charge back and verified it through three way call with my bank. I even went as far to have my bank verify that Ive had the same checking account for over 30 years, that I do not have any other accounts and that I have not received the charge back. They gave me the last for of the account # that it was paid to and it clearly was not mine and they couldnt provide proof of who requested the charge back. Even after providing proof, they wont stop calling me and sending letters.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are XXXX late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.
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: EQUIFAX, INC. (NY)

Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the XXXX.