davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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: Byrider Franchising, LLC (FL)

CNAC FL XXXX is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. Also theres an inconsistent payment history reporting for this account Ive attached a screenshot. Payment history must be verifiable and accurate each month on an account. There is ND ( no data ) reporting for months XXXX, XXXX, XXXX of XXXX XX/XX/XXXX. This is inconsistent and hasnt been properly verified. How is it that this account was charged off, sold yet I have no 1099 form? Its against the FCRA to report inconsistent payment history of an account.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (NY)

XXXX XXXX charged me for no reason resulting in my account being closed, i would like reimbursement separately, paypal has refused to reimburse me for money that was sent to the wrong bank account ( an account that was never opened so the money was not received ) at XXXX
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. My account was frozen for XXXX reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.
Consumer complaint received 2017-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

CAINE & WEINER Original creditor : XXXX Has put a collections on my credit report. I would like this remark removed from all credit reporting agencies. I have no knowledge oft this debt nor own it. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC (IN)

On XXXX XXXX this account with Flagstar Bank was paid in full on account XXXX the Rep for the Fagstar Bank ensure me this account would be deleted from the Credit Bureau and my XXXX  and XXXX  XXXX. I have provided a document email from XXXX XXXX assuring me that upon payment all action will take place to remove, delete this account from all agencies per email request sent to me. I have attached that email and contact information regarding this account.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On the evening of XX/XX/XXXX I was notified by phone by a Wells Fargo employee that there was some suspicious activity on my account. And he was right. There were ten unauthorized transactions totaling {$2300.00} + a pc transfer of {$1000.00}. So I was ripped off for a total of {$3300.00}. What's even more crazy is right after my first card ending in XXXX was shut off, there was more stolen. And it was from a card ending in XXXX that I haven't even received or requested yet. Also the hackers were doing withdrawals from XXXX and I'm in XXXX XXXX. I've never been to Florida in my life. But now Wells Fargo said they can't reverse the {$1000.00} pc transfer and I still haven't received my reimbursement for the ten unauthorized ATM withdrawals yet either. I've been hacked 3 times in 2023 and I've had it with Wells Fargo! Especially after this 3rd time because their putting me through so much bs trying to get my money back. I don't need this stress I just want my {$3300.00} back asap and their " customer service '' has been soooo frustrating! Anyway, if u can, please assist me anyway possible concerning my problem. Thank You.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Received communication in late XXXX early XXXX from Midland Credit Management and could not communicate with the agents to understand the debt or try to resolve the debt. The agents would over talk me and I could not asked or get a question answered the agent would get louder. So, I stop trying. It was frustrating to XXXX XXXX I asked them to only communicate by mail. They had my most recent address and my previous address and my current address. They sent a court order to a XXXX XXXX XXXX address whose occupants I was not in contact with. After garnishment was started and research was done I found out where the paperwork went. The court records were researched to find what was being filed against me. This company received {$2000.00} for a debt that has yet to be clarified for exact amounts. And, the debt release was received in XX/XX/XXXX and they still have not refunded the total amount of overage in 5 months The court clerk was contacted for copy of original documents and it has different monetary amounts from what I was told on the phone was the debt owed. {$510.00} is still outstanding and these are checks that were supposedly mailed back to my employer in XX/XX/XXXX. I have dates, names and times I tried to clarify this issue starting in XXXX.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Phoenix Financial Services LLC (GA)

Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.
Consumer complaint received 2023-09-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

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
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

This complaint is about Barclays Bank I got my statement from this bank and on my statement they did not put down my purchases. They just gave me a statement just with a total. I told them that they were supposed to put down the purchases to let me see my purchase it, and how much they was they refused to do that. I have other credit cards and all of my statements come to me with the purchases and then tell me how much I need to pay. This bank is not putting down. No purchases just give me a total and I feel this is not right, and I wont statements with purchases on it so I know how much I paid for the merchandise because they could overcharge me without me knowing thank you very much
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This is a complaint to XXXX, Equifax, and XXXX pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX  Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ EQUIFAX, XXXX, XXXX ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

Since  XXXX  of  XXXX  I was on a repayment plan with  XXXX   XXXX  mortgage that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,    XXXX   XXXX     mortgage is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist.  ''  XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled th e five  months and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during the  five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

My account was originally with BBVA, a direct deposit for {$340.00} was sent on my closed BBVA account number XXXX. The funds should have been rejected and sent back to the company. Instead, BBVA cleared the wire on XX/XX/XXXX but never credited my current account. As of XXXX PNC took over and Im getting the run around about my money., I have a Federal Tracer number of XXXX. Which shows funds cleared. I was on hold with PNC on XX/XX/XXXX for 2 hours no one picked up. Then again today XX/XX/XXXX for over 2 hours and have spoken with 5 different people and this has not been resolved yet. They have everything they need to track this wire with the feds yet no one has done a thing to help with locating my funds. I need someone to take charge and to their job. PNC merged with BBVA worse thing that couldve happened. Nobody knows nothing.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-11-22
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. (PA)

This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, equifax, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both Equifax and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Consumer complaint received 2023-11-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Hi, my name is XXXX XXXX, and XXXX years ago I had lost my debit card and I think somebody had tried to scam on it. I didnt realize I have lost my card until I had to use it and then I went into my app and it was telling me that I dont have an account anymore, because somebody tried to use my card and put a significant amount of money in my account I tried to make an account for a different bank and he wasnt letting me I had got a letter from early warning about it and I dont know what to do next
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since  XXXX  of  XXXX  I was on a repayment plan with   XXXX   XXXX   XXXX   that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,   XXXX   XXXX   XXXX   is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist. ''    XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled the  five m onths and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during th e five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.