davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

On XXXX XXXX I initiated a consumer transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' After speaking with your representative XXXX on XXXX XXXX, I was informed that there is no application on file. She later stated a soft credit check was indeed performed. If this is true, your company has committed securities fraud. See 18 U.S. Code 1348. My security ( application, signature, ssn ) was given and I received nothing in return. Per section 16 part 2 of the Federal Reserve Act my application is the collateral a negotiable instrument, a promissory note. My application created the money Im applying for. 
The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
XXXX XXXX XXXXXXXX 15 USC 1602 XXXX : XXXX 15 USC 1637 XXXX : XXXX 15 USC 1640 XXXX : XXXX 15 USC 1681o https : XXXX 15 USC 1691e XXXX : XXXX 12 USC 1431
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX, XX/XX/XXXX I received a wire transfer from XXXX XXXX XXXX which is a company where I sell my invoices to cover my payroll for my business. In the past I have received wires from this same company with no problems. Prior to receiving the wire I had {$4000.00} in my account. Bank of America placed a block on my card and said that I would have to wait until XXXX, XX/XX/XXXX to go into a branch. I went to the branch and was told to provide my XXXX XXXX PAPERWORK as well as my W9. The banker in the branch assisted me. The paperwork was said to be approved ; however, Bank of America then placed a hold on my account to investigate the wire. The banker advised the manager that I had received these wires numerous times. He also requested that BOA allow me access to my existing funds the manager denied access to those funds of {$4000.00}. 
He advocated for me explaining that I was traveling for work and had no money or money to pay for a hotel. They refused and said it would take 24 to 48 hours to remove the block. The next day they closed my account and denied me access to my funds and I am without money for food, hotel or gas.
Consumer complaint received 2023-11-14
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. (VA)

Filed a dispute according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practice Act ( FDCPA ). I asked Equifax to provide my signature authorizing them to provide said credit report to others without my consent. Also, to remove all negative information from my Equifax Credit Reports without providing the original contract with my " wet signature '', the original credit grantor 's authorization to any debt collector for the alledged debts, and providing detailed validation of the alledged debt.
Consumer complaint received 2023-11-03
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. (IL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$110.00}.
Consumer complaint received 2023-11-14
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. (MO)

Subject : Urgent Request for Investigation and Removal of Unauthorized Accounts My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning unauthorized accounts held by XXXX  XXXX in my name. Regrettably, I have fallen victim to a XXXX scam, and it has come to my attention that accounts have been opened without my authorization. 

I kindly request a thorough investigation into this matter to rectify the situation promptly. I emphasize the urgency of this request and urge you not to close the case without a comprehensive examination and the subsequent removal of any accounts associated with my name that have been established without my consent. 

Your cooperation in this matter is greatly appreciated, and I trust that your team will handle this issue with the utmost diligence. I am more than willing to provide any necessary documentation or information to aid in the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am highly concerned by the actions of Capital One. They have now called me for the fourth time today wanting to talk on a conference call to my bank, they want me to verify name, bank accounts that I use, ownership of accounts, and information over the phone. I have spoken to the corporate offices and they tell me there is no record of these calls and they are " so sorry. '' However, everytime they have threatened to restrict use of my credit card even though it has an over payment credit on it, and they stop all useage of my card each time. They force me to have conference calls with the bank AGAIN, and give them all information then they release the hold of my funds. My concern is the lack of recording all these episodes and even when I speak with a supervisor they tell me that there are no " notes '' in the files to documentation. 4 conference calls to XXXX to hear me say all my confidential information. The Capital One employee on the phone as I write says she can not say what the problem is, '' there are extensive notes. '' They leave me on hold for 17 minutes while they 'look up '' the number for XXXX . There is concern on my part for the unprofessional conducting of business that has created over 6 documented hours of time with Capital One or they threaten to restrict my account. This company is not up to the banking standards I would expect from a company that handles banking transactions when they take payments, lose payments, find payments, return payments and can not keep notes.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

In response to my dispute of XXXX XXXX XXXX Equifax replied : XXXX ; We have researched the credit account. Account # XXXX The results are : This account has been updated to show included in bankruptcy/included in bankruptcy of another person. If you have additional questions about this item please contact :, Unverifiable, XXXX, MN XXXX Number one, this account was not verified by equifax for my wife for the same account and deleted. 
Number two. This account was dismissed by the court. 

Number three is seems like equifax could not even verify the name of the business. 

This same exact debt could not be verified and deleted from my wife 's account, and exquifax deleted it, so how can this same debt be verified?
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have always paid my accounts on time and have never been late. It is ridiculous to see that there are inaccuracies in my account information. Please update my account accordingly.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

- XX/XX/2018, I received word from my bank that they needed to check my credit report through Experian in order to move forward on a loan. I went online to Experian and temporarily removed the freeze on my credit report and my husband 's report that day. I received email confirmation that both reports had been unfrozen. -XX/XX/XXXX, I received word that the bank was able to get my husbands report, but not mine. I again went online to Experian and removed the freeze on my credit and again received email confirmation. The bank continued to be unable to access the report, so I called Experian where I was put on hold for 45 minutes. The first representative I spoke to again put me on hold. 30 minutes later the second representative answered. Despite explaining that the bank was unable to access my info the representative insisted that the freeze was temporarily removed. The bank again checked, and they were not able to access the account. I called Experian for the 3rd time and the representative then told me my account was going through " report maintenance '' and being " updated ''? and that they would be able to finish updating in 24 hours. I asked to speak to a supervisor and was told " he was in a meeting and would call me back '' I have not yet heard back from the supervisor.

-The representative also confirmed my concerns that when one has multiple checks on credit, your credit can then be negatively affected! There have been multiple checks because EXPERIAN HAS FAILED TO DO THEIR JOB ... this is not my fault, nor the bank 's. 
-The problem with all of this is that the bank needs the info by XX/XX/XXXX! I don't understand why my information, that I unfroze isn't immediately available to the bank. Because of Experian 's inability to provide MY information, I may be losing a loan on the dream home I'm ready to buy! Experian 's incredibly poor customer service now has affected my credit, my ability to purchase a home.
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. (FL)

XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXDOFED Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

XX/XX/2017 -- Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement. 
XX/XX/2017 -- Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {$64.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {$160.00} and bring the account current, however it would remain closed. 
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.
Consumer complaint received 2023-11-13
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. (KY)

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX  Account # : XXXX
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can help.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid {$50.00} prior to the due date of XX/XX/. After paying online, Capital One confirmed the payment. A few days later, Capital One informed me when I called that my payment did not go through. Capital One never informed on their own that the payment wasnt received. My objection is that Capital One charged me a late fee and reported my payment late. It has affected my credit score. I have never been late.
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I booked a trip on XX/XX/ for the amount of {$5200.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they we fully refund your money as per their contract within 90 days. I requested a full refund. Their letters and emails said my refund would come XX/XX/XXXX which i did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some sixty day rule without evaluating my dispute. Thank you in advance for your help.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I signed up for text alerts and they dont send alerts. In the middle of the night charge overdraft fees. They charged me so many fees. Because their system is not working.The bank said that alerts were perks and they dont have to. I filed a complaint. No resolution.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

Ive received a copy of my credit report on XX/XX/XXXX, and to my surprise I noticed that XXXX XXXX CT XXXX has been added back on my Equifax consumer report. I disputed the inaccuracy of this account before and the account was removed on XX/XX/XXXX ( see attached ) so Im confused as to why this item has popped back on my report. Under the FCRA 15 USC 1681i ( 5 ) ( b ), an item can not be reinserted into my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. 

Ive received NO such letter and would like for this item to be deleted again as this is a violation of my rights.