davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

This is an issue with missing funds while transferring funds from American Express High Yield Savings account to American Express rewards checking account. XXXX XXXX XXXX XXXX XXXX I transferred {$9800.00} from amex HYSA to amex rewards checking. The mobile app said that the funds would arrive instantly. 2. Funds were debited but not credited to checking account. 3. On contacting checking account customer service on XX/XX/XXXX, I was told that they do not have an incoming transfer and I should contact the savings account customer service. 4. I called Amex HYSA customer service on XX/XX/XXXX and was told that the transfer has been sent and it is unusual for the funds to not be credited. They gave me a transaction trace number and asked me to call again during business hours next day. 5. On XX/XX/XXXX, I called American Express checking and they again said there was no problem on checking side and transferred me to Savings customer service. After getting bounced around, eventually the checking back office and savings back office had a phone conference and the customer service agent updated me that the credit was processed as a debit on the checking account side and that is why it was not credited. They said that this was a fault on their end and they need to figure out what they can do and that someone will call me back with an update by close of business on XX/XX/XXXX. XXXX. I got a call on XX/XX/XXXX from someone from the back office ( unsure whether they were from checking or savings ) and they said that the funds were routed back to the savings account and I will receive them latest by XXXXXXXX end of business day. 7. I did not receive my funds back by XXXX end of business. I called customer service and they said they need to escalate it to the back office and it can only be looked into on the next business day on XXXX XXXXXX/XX/XXXX when the back office is open. It has been 4+ days and my funds are still missing when they claim that the transfer will arrive instantly. Their two banking wings don't talk to each other and keep bouncing me back and forth - I can't believe what I have to go through for a simple bank transfer. All this while I do not have access to my funds and nobody is reimbursing me for the lost interest. At this point, I don't even know when I will see my funds again. This bank should not be allowed to sell these products that don't even have basic reliability of processing fund transfer correctly. How can it be called a bank account?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Had credit card statement. Paid in full ( $ XXXX ) on XX/XX/XXXX and then double paid ( another $ XXXX ) on next day ( XXXX ) Citibank has refused to return excess double payment as of today ( XX/XX/XXXX ).
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was looking at my credit report and noticed some things was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more then 35 days and Experian haven't responded to my letter. That's a direct violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period begining on the date which the agency received the dispute from the consumer or reseller. 
Remove XXXX XXXX XXXX XXXX # XXXX, delete this account immediately because of violation 15 usc 1681i ( a ) ( 1 ) ( A ) also XXXX XXXX XXXX XXXX XXXX acct # XXXX both are inaccuratly reportiowing inaccurate accts
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

This is an issue with missing funds while transferring funds from American Express High Yield Savings account to American Express rewards checking account. 

1. On XX/XX/year>, I transferred {$9800.00} from amex HYSA to amex rewards checking. The mobile app said that the funds would arrive instantly. 
2. Funds were debited but not credited to checking account. 
3. On contacting checking account customer service on XX/XX/XXXX, I was told that they do not have an incoming transfer and I should contact the savings account customer service.

4. I called Amex HYSA customer service on XX/XX/XXXX and was told that the transfer has been sent and it is unusual for the funds to not be credited. They gave me a transaction trace number and asked me to call again during business hours next day. 
5. On XX/XX/XXXX, I called American Express checking and they again said there was no problem on checking side and transferred me to Savings customer service. After getting bounced around, eventually the checking back office and savings back office had a phone conference and the customer service agent updated me that the credit was processed as a debit on the checking account side and that is why it was not credited. They said that this was a fault on their end and they need to figure out what they can do and that someone will call me back with an update by close of business on XXXX XXXX XXXX  I got a call on XX/XX/XXXX from someone from the back office ( unsure whether they were from checking or savings ) and they said that the funds were routed back to the savings account and I will receive them latest by XXXX  end of business day. 
7. I did not receive my funds back by XXXX  end of business. I called customer service and they said they need to escalate it to the back office and it can only be looked into on the next business day on XXXX  XX/XX/XXXX when the back office is open. 

It has been 4+ days and my funds are still missing when they claim that the transfer will arrive instantly. Their two banking wings don't talk to each other and keep bouncing me back and forth - I can't believe what I have to go through for a simple bank transfer. All this while I do not have access to my funds and nobody is reimbursing me for the lost interest. 

At this point, I don't even know when I will see my funds again. This bank should not be allowed to sell these products that don't even have basic reliability of processing fund credit correctly. How can it be called a checking account?
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX  sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my Bank America account to XXXX account. That was XX/XX/XXXX, that the balance transfer was confirmed by XXXX. Weeks go by Bank of America reflects no reduction of the transfer amount of {$10000.00}. I call XXXX and they stated they sent the funds to Bank of America. XXXX instructs me to call Bank of America as the issue is on their side. I call and Bank of America says no they did not receive the funds to call XXXX. Call XXXX back and told the funds are sent and will hit my Bank of America account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when Bank of America agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to XXXX bank. Got nowhere with either bank then. Called again a day later and told by XXXX to verify the account I do so and mention it was several times. Person at XXXX says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to XXXX. I call on XX/XX/XXXX to both banks and get nowhere. I am told by XXXX here is the tracer number bank America can look it up and XXXX sees it and verify funds went to BOA. Tracer # XXXX. I was asked XXXX XXXX  for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from XXXX that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by Bank of America they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a public XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article XXXX section XXXX of The XXXX.
Consumer complaint received 2024-03-14
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. (MO)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-12-20
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)

To Whom It May Concern : I have received a letter claiming that I owe a debt to the fraudulent accounts listed below. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. I DEMAND THESE FRAUD ACCOUNTS BE DELETED IMMEDIATELY 1. The original application or contract.

2. All statements allegedly related to this debt.

3. All signed receipts.

4. All cancelled checks. 
Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail. 
XXXX XXXXXXXX XXXX- ( XXXX ) : Identity Theft XXXX XXXX XXXX XXXXXXXX- ( XXXX ) : Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX XXXX- ( XXXX ) : Identity Theft XXXX XXXX XXXX- ( XXXX ) identity Theft
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing to file a formal complaint regarding a collection account labeled CAPITAL ONE XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX  To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXXXXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-24
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
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. (CT)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX 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 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 2023-09-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (ID)

Comenity Bank has violated the Fair Debt Collections Practice Act by calling my cellular telephone number XXXX more than seven ( 7 ) times within a seven day period. 12 CFR 1006.14- Harassing, oppressive, or abusive conduct, paragraph 14 ( b ) ( 2 ) ( i ) states that a debt collector can not call : ( A ) More than seven times within seven consecutive days ; nor ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. 

Comentity Bank called my XXXX which XXXX XXXX XXXX provided caller ID name detail on the following occasions : Tuesday XX/XX/2023 at XXXX ; Monday XX/XX/2023 ( XXXX XXXX XXXX XXXX ) at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; Tuesday XX/XX/2023 at XXXX, XXXX, XXXX, XXXX. Comenity Bank called from the following phone numbers which were identified by XXXX XXXX XXXX  Caller ID Name : XXXX, XXXX, XXXX. I have saved XXXX call logs and XXXX XXXX XXXX call records as evidence of the company 's abusive behavior. 

The frequency of the calls, four calls within one hour this morning, clearly demonstrate abusive behavior intended to harass and annoy me in clear violation of the federal law.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My Only name and address is what's listed on the complaint. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2023-08-27
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. (CA)

XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.