davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XX/XX/XXXX a XXXX transfer from XXXX XXXX ( XXXX XXXX ) has been initiated for XXXX USD. The XXXX status message provided by the sender bank helped me to track the money. Which showed that money has reached XXXX XXXX XXXX XXXX ( which Wise uses ) on XX/XX/XXXX at XXXX. Per the field XXXX in XXXX message I've confirmed that routing number and account number was correct and with a slight possibility that account name was not entirely correct. The account name included my name but with an additional word as well. 

Money should've been in my account at this point but I've waited XXXX business days as Wise suggested on their application. With numerous calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I haven't reached any conclusion on the whereabouts of my money. Their so called " payments team '' has failed to track the money. They informed me in XXXX instances that they were unable to find the money. By fail I mean they couldn't even see any failed transaction as well. 

The first email that I received from them was on XX/XX/XXXX. The email stated, " Sorry, we couldn't locate your payment. '' without any additional detail. The second email I received was on XX/XX/XXXX. This email had the same text as previous one but added this statement, " Thats because the account number entered was incorrect. So the payment was automatically rejected. ". 

Now, this suggest that they were able to see the transaction and I should've received the money back long time ago. No such thing ever happened. Also the account number was correct. To clarify field XXXX was concatenation of my routing number and account number. 

My sender bank informs me that the money has been accepted by XXXX XXXX XXXX XXXX ( Wise ) so no rejection..
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023 I applied for a Capital one spark credit card. Regrettably, my application was denied without justifiable cause, which has raised concerns regarding potential discrimination or mishandling of my application. I received an adverse action letter stating that my credit is denied for the reasons of : missing or unavailable information. Even though the letter clearly stated that XXXX had been accessed and a credit report and score retrieved. I immediately called Capital One to rectify the situation. On a recorded line I was told that they only solution was to re-submit the application for another hard inquiry with the exact same result. I then asked for the CEO information so that I could get a affidavit stating no promissory note was created in reference to my application and to address why I was denied even though I was asked for my social security number without XXXX form. I was told there was no CEO information and I was the transferred to XXXX. XXXX basically parroted a very similar refusal to provide any additional supervisory or CEO information and then hung up mid call. I did not receive any additional information as to how to get reconsideration on the application and was denied every form requested. Upon further inquiry with Capital One, I was unable to obtain a clear and satisfactory explanation for the denial. This lack of transparency has left me feeling unfairly treated and concerned about potential violations of my rights in the credit evaluation process. I firmly believe that I have the right to fair and equal treatment in the credit application process, as outlined by the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Denying credit without providing a valid reason undermines these fundamental rights and could potentially be indicative of discriminatory practices.
Consumer complaint received 2023-11-15
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: JPMORGAN CHASE & CO. (PA)

Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
Consumer complaint received 2023-11-14
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)

I have filed several disputes with Experian and XXXX regarding the Department of Education/XXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided Experian and XXXX with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XXXX 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

Experian and XXXX state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to Experian on XX/XX/, XX/XX/ and XX/XX/ and to XXXX on XX/XX/, XX/XX/ and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against Experian and XXXX because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

I xfered funds into the account. A weekatwr I attempted a wire xfer to send those funds put. 
XXXX the wire xfer was not processed in a timely manner..I initiated on XX/XX/XXXX before wire disbursement cutoff. I was not called until XX/XX/XXXX and it was at that time they told me funds needed to remain untouched for 90 days and they would not disburse the wire. This was not an initial funding. this was not a CD. This is a savings account. 

I was also told when dealing with customer service that they would not pay me interest on those funds after I informed them I would withdraw and close my account. Eventually they said they would send the interest to a different bank sp we will see if this happens.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I have a student loan through the servicer ECSI, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called ECSI on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on ECSI 's side.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

I have asked my bank repeatedly to remove the overdraft protection from my account. They refuse to cooperate. Each time that the overdraft protection is used, it results in a {$35.00} fee. These fees result in insufficient funds for purchased which result in more overdraft fees. The cycle keeps repeating itself. I asked them to reimburse me for the fees as I do not want the overdraft protection. They refused to reimburse me because they reimbursed me for fees in the past. Any fees that have been reimbursed to me were done so as a result of their mistakes. I live paycheck to paycheck. I am paying bank fees instead of my bills. This is ridiculous. I 'm not asking for a lot. All I 'm asking for is for the fees to be credited back to my account as they should never have been incurred. My account has a negative balance right now and there are more fees that are going to be added to that balance. I get direct deposit. The majority of my check is going to be deducted instantly to cover this negative balance. Something needs to be done.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Account : XXXX XXXX acct # : XXXX I am submitting this formal complaint against Equifax due to ongoing inaccuracies in the reporting of an account on my credit file. Despite initiating multiple disputes with Equifax and receiving explicit assurances that the information in this account is " verified '' and accurate, the reporting of inaccuracies still persist. This indicates a failure to conduct a thorough and reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i - Procedure in Case of Disputed Accuracy ( a ) 5 ( a ) ( i ).

According to the FCRA, if, after any reinvestigation, information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is obligated to promptly delete or modify that item of information based on the results of the reinvestigation. 
The specific discrepancies on my Equifax credit report are as follows : 1. Last Reported Date : Discrepancies exist across all three credit bureaus.

2. Date Last Active : Variances are observed across all three bureaus.

3. Payment History : Discrepancies exist across all three bureaus. Notably, in XX/XX/2021, I was not 30 days late for this account, a fact corroborated by both XXXX and XXXX, both of which reflect my current status for that month. I have attached supporting documentation highlighting these inaccuracies for your review. 

Furthermore, my requests for original documentation, signatures, contracts, and details regarding the verification method for this account have gone unanswered by Equifax. This lack of response exacerbates the adverse impact on my creditworthiness, leading to credit denials and hindering my ability to secure housing for my family. 

Given the evident failure to conduct a thorough investigation, which is a Fair Credit Reporting Act ( FCRA ) violation, I am not requesting a re-investigation. Instead, I am demanding that Equifax promptly deletes/removes the late payment regarding this account from my Equifax credit report, as mandated by the FCRA.
Consumer complaint received 2023-09-21
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TFS FINANCIAL CORPORATION (FL)

I took out a mortgage with Third Federal Savings & Loan Association of Cleveland ( Oh ) on XX/XX/XXXX. At that time I was advised that I could only pay for my XXXX XXXX XXXX via a monthly escrow payment, to which I agreed. Subsequently, and or each successive year, I would receive a letter advising that I needed to provide proof of wind/hurricane insurance ; I advised the bank at both inception as well as subsequent years that I did not have wind/hurricane insurance, however they accepted having themselves named as loss payee on my Homeowner 's Insurance. Each year the letter would advise that I needed wind/hurricane and if I didn't provide proof, they would acquire it for me ; each year I advised them I didn't have the insurance and led me to believe that was acceptable. In XXXX of XXXX I received the same type of letter, and when I advised them I could not obtain coverage they indicated they would get bank-acquired insurance, however they would not provide a policy declaration page or a policy which they subsequently did send a declarations page, however they advised they could not provide the policy. I decided to pay off the mortgage and on XX/XX/XXXX I went to a local branch in XXXX ( Fl ) and when I was advised of the payoff amount, I found out that I had a separate escrow account for previously acquired wind/hurricane insurance, although they never asked me to pay for it, nor did they ever send me proof of any coverage until after I paid-off the mortgage. When I spoke with the bank today, they insisted that they had mailed me the policy for prior year 's coverage, and I advised them that I had never received anything. Further, at the time I paid it off, the Branch Officer could not tell me what the $ {$16000.00} " escrow '' account was for or what it covered. Please note in my attachments I do not have the " warning letter '' I received each year.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX 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 2023-11-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I tried to open a CD with BMO XXXX XXXX XXXXXXXX. They declined my application because of information received from XXXX. I asked the bank what the information was and they refused to identify it. They said the information came from XXXX. When I contacted XXXX, they gave me a copy of the disclosure report, which is clean of any credit blemishes, there was really nothing in there. They said the bank makes the final call on whether to reject the account. The bank will not tell me the issue. XXXX says there is no issue. I can not get a straight answer from anyone at the bank as to the issue with opening an account. 

The manager has been rude and refuses to explain the bank 's reason. His name was XXXX. He refused to give me his name. He refused to put me in contact with his supervisor. He was a manager. I had elevated the call from the people that answer the phone.
Consumer complaint received 2017-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have filed several disputes with XXXX and Equifax regarding the Department of EducationXXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and Equifax with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XX/XX/. 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and Equifax state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to Equifax on XXXX XXXX and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and Equifax because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
Consumer complaint received 2023-11-14
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.

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, 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 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 2023-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I opened a savings account. On XX/XX/XXXX, I went to a branch location, so I could apply the {$520.00} offer I saw for existing savings accounts. The banker tried her best to apply the promo, but there was no option to apply the promo code. She called tech support and they opened a ticket to look into the issue ( XXXX XXXXXXXX ). 

Since I was not sure when/if the code was applied, I acted as if the code was applied on XX/XX/XXXX, just so I did not deposit the money too late. {$25000.00} was successfully deposited on XX/XX/XXXX. 

I called Wells Fargo on XX/XX/XXXX to ensure the code was applied. I was told that the bonus would be tracked manually. On XX/XX/XXXX, I called Wells Fargo to check the status of the bonus, since I was not sure when the clock on the bonus started ( whether it would be backdated to XX/XX/XXXX or another date ). I was told that the code had actually been applied on XX/XX/XXXX. I am now past the 90+30 days for the bonus.