davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

overdraft fee were so bad some months we were having a hardship and we would get charged XXXX to XXXX per month overdraft fees. 

and not fair at all. we would have like XXXX in account and would use it and- get right up to the XXXX. only to find they would go back a few days and charge 3 to 5 fees for things charged days before. i can go back years in accounts add them up if needed. but would be much easier for them to do. 

thanks so much for the chance to correct this, XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I just checked again my XXXX, XXXX and Equifax credit reports and I can see account reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-01-07
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 right to privacy and confidentiality under 15 u.s.c 1681.. 
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 
15 U.s.c 1681 section 602A. 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 an account without my written instructions ... 15 u.s.c 1681 c. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac
curate..
Consumer complaint received 2023-04-03
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00} This attempt is my follow-up to ensure that the listed accounts are investigated
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

I am writing to express my deep dissatisfaction with a recent incident that occurred with my account. On XX/XX/2024, I discovered a transaction on my saving account statement dated the same day, indicating a withdrawal of - {$18000.00}. I did not receive any notification, alert, or confirmation about the issuance of this check, and I certainly did not provide any consent for such an action.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (MS)

I will not be finished paying out my car loan on time in XXXX because of their high interest rates and late fees double but I asked them can they work out something to help pay it off by XXXX refinance lower rate discount the car so I can finish in XXXX but they are trying to charge more extra charges and is not willing to work out something I asked for a supervisor to call me have not heard back I called and talked to an customer Service representative that was very un knowledgeable about loan information
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notification that Bank of America removed my discharged bankruptcy information on their credit cards I had and added a remark of being several days past due. This error caused my credit score to drop XXXX points causing it to he XXXX. Someone has mistakenly made this change and has affected my credit and causing a hardship to now be able to be in immediate position to move if needed. They need to correct this outrageous life affecting error and put all of those bankruptcy XXXX  XXXX discharge information/coding back onto all of those credit cards they incorrectly removed and return my credit score to the XXXX range that it was.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023 I applied online for an American Express XXXX XXXX and in order to take advantage of an XXXX Welcome Bonus offer. During the online application there was a pop-up that told me that did not qualify for a card and was not entitled the bonus points. I went no further with the application. Because I have good credit and have been a XXXX American Express customer , I then called American Express and spoke directly to an agent to apply for the card. The agent approved me for a credit card and confirmed over the phone that yes, I would be eligible for the XXXX XXXX and XXXX points as a welcome bonus by purchasing {$8000.00} on the card within 6 months. I accepted the card verbally under these terms. I met this purchase criteria but was not given the XXXX bonus. After inquiring via online chat, I was told that I was not going to get the bonus, and then asked that this be reviewed. Despite what I was told when I applied on the phone, they have refused to grant me the XXXX welcome bonus points. In subsequent conversations with various customer service representatives, they have denied that I was told on the phone I would receive the points, and they have refused to reference and listen to the conversation where I applied for the card and was told affirmatively that I was eligible to receive a welcome bonus. I would not have accepted the card had I not been directly told I would receive these bonus points. American Express customer service has been deceptive and evasive when asked why this phone conversation can not be referenced.
Consumer complaint received 2024-04-26
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. (NY)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account number XXXX account name XXXX account number XXXX Accont name XXXX account number XXXX Account name XXXX XXXX XXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
1692c ( b ) 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. These too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

I went to the local branch of Wells Fargo bank to do a wire transfer today on XX/XX/2024. I was at the bank at XXXX XXXX  to do a wire transfer to my Lawyer 's bank ( XXXX XXXX  XXXX for my closing at noon on XX/XX/2024 for a house I am buying. I was told by the banker the transfer would happen within a couple of hours at latest end of day. My lawyer informed me the money was not in his account at end of business day. The amount was {$26000.00}. All the information routing and acct numbers were verified by me and the banker verbally and visually at the bank. I have the banking sheets confirming this. My account was debited so the money left my account but was not received. Wells Fargo has on their wire transfer information online that if you submit a domestic wire transfer prior to XXXX XXXX standard time it will go out that day. Mine was submitted at around XXXX XXXX which is like XXXX XXXX time so this should have gone out same day. When I called the Wells Fargo help line I spoke with two people, one a supervisor who then both told me it could take 1 to 3 days. I informed them that no one at the local branch told me this and that their own documentation says it will go out that day as I noted before. I can not close on this house without these funds and this is holding up a financial transaction not only for me but quite a few other people who worked very hard to have this real estate deal take place tomorrow. I have a mortgage with XXXX too and this is not ok I am already their customer. I also paid {$40.00} dollars to have this take place as expected same day.
Consumer complaint received 2023-12-07
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. (OH)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, PayPal permanently limited access to my account, which contained a balance of {$19000.00}. The reason provided was not explicitly stated, but I received communication indicating that PayPal would hold my funds for 180 days pending an investigation into my transactions. 

After patiently waiting until XX/XX/XXXX, which marked the completion of the XXXX hold period, The hold was lifted and the total balance was available for withdrawal, I attempted to access my account to withdraw the funds. Although the total balance was available for transfer on this date, I encountered difficulties in transferring the entirety of my balance out of the account at once. PayPal customer support advised me to transfer the funds to my linked card in sequence. Consequently, I was only able to transfer {$5000.00} to my linked card before PayPal locked the account once again and no information was provided on how to access the remaining balance of {$14000.00}. This situation has caused significant inconvenience and financial hardship as I am unable to access my own funds. I have attempted to contact PayPal customer support multiple times to resolve the issue but have not received any satisfactory resolution or explanation.
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I was a victim of identity theft a few years ago-it was with XXXX. I reported it then and froze my credit reports, but now a collection agency-Jefferson Capital Systems is trying to collect this debt that isn't mine. It is ruining my credit.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I received a student loan for the school : XXXX XXXX and XXXX XXXX XXXX. In XXXX, XXXX  From The US department of education through FASFA. I believe it was XXXX or maybe XXXX. I recently found out that the credit companies and the US. Dept. of Education have added three student loans. for various amounts. I can verify I was in XXXX  from XXXX and XXXX XXXX. I have only applied for the one and received the one student loan. and for those years I was in XXXX  I received a letter upon my request saying they would stay the interest. I don't even know how to go about setting up payments. Also, I only have one student loan that is legit and mine.

So the issue is there are 3 student loans that I'm indebted for but only one is legit and mine. I have only applied and received 1 student loan in my life.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TX)

I contacted XXXX XXXX about a account ending in XXXX and XXXX and they told me verbally that I dont owe them anything and I never did business with this company and early warning has put the account back on my report and I want the negative status to be removed off my report. I have a FTC report if they want me to send it by mail I wouldnt mind. XXXX and unknown account number XXXX I want to dispute and removed off my report
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist sent this account to a debt collection agency. I made payments according to the agreement then I filed a complaint against the debt collection agency in which was a scam company. Truist then continued to report unpaid payments to the credit bureau which negatively affected my credit report.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

In XXXXXXXX XXXX, I applied for housing at XXXX XXXX XXXX XXXX Al XXXX They were running a special, {$0.00} application fee and 50 % off of first months rent! After applying, I never received an acceptance or denial letter. Fast forward to XXXXXXXX I disputed the collections but was unsuccessful. Today XX/XX/XXXXXXXX XXXX I reached out to the collections agency and they informed me that I had to provide my debt card information for them to assist me with the details of the collections, I DECLINED! I then reach out to XXXX XXXX and spoke with a nice gentleman that explained to me that during that time the person working there didnt apply the correct code or waive the application fee, so I was charged! He did say because it was already sent to collections, he couldnt fix it on his end! The reason I never received any correspondence from XXXX XXXX or the collections agency is because they had my physical address and not my mailing address! I dont think I should be penalized for the mistake of XXXX XXXX employee!
Consumer complaint received 2024-04-25
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. (KS)

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 informationisinaccurate.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA.
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

I paid debt {$77.00} on XX/XX/2023 for my dr visit balance that went to carter young debt collection agency. Here I am today and being harassed by phone calls. Please stop calling me. THE DEBT WAS PAID IN FULL.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLIANT CREDIT UNION (PA)

an unauthorized charge from XXXXXXXX XXXX XXXXXXXX appeared on my credit card statement in XXXX of 2023. I have made attempts with the flight school and spent many hours in talks with the credit card issuer ( Alliant ) but the charges and resulting interest fees still remain on my account. I understand that I am liable for not more than {$50.00} of the unauthorized charge, in accordance with federal law, but nothing more.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (KS)

On XX/XX/, I applied for an Apple Card. I was applying for {$25000.00}. I was denied. The reasons for denial are against the law. 12cfr 1002.6 Notifications. Subsection - specific reasons. Says : ( Official Interpretation ) - 9. Combined ECOA-FCRA disclosures. Disclosing that a credit report was obtained and used in the denial of the application, as FCRA requires, does NOT satisfy the ECOA requirement to disclose specific reasons. Disclosing the key factors that adversely affected the consumers credit score does NOT satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, A charge was made on my CitiBank credit card of {$5600.00} without my knowledge. I saw this charge when I went to pay my monthly payment on XXXX. 
I immediately notified Citibank of this problem. Talked with several people before finally getting the fraud Dept. and was told they were opening a case. Fast forward to today, XX/XX/, after repeated calls, back and forth between the Billing dispute dept. ( which it is not ) and being told multiple times someone was going to take care of it, I call once again to be told " ok We will open a case ''. Are you kidding me? As I have been typing this I have been on hold to speak with a supervisor in the fraud Dept. XXXX, has reached out to me and reassured me that a credit would be on my account within 2 to 5 days and a charge back would be sent to XXXX XXXX XXXX. My hopes are up that she will keep her word and finish this nightmare for me. XXXX XXXX