davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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: AMERICAN EXPRESS COMPANY (GA)

In accordance with the fair credit Reporting act AMERICAN Express account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-08
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service of Nevada (NV)

I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CA)

I am writing to formally dispute and bring to your immediate attention several inaccuracies that I have discovered in my credit report, as provided by your agency. The discrepancies pertain to the accounts listed below : Account XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX High Balance : {$320.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$320.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Account XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Date Updated : XX/XX/XXXX High Balance : {$620.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR XXXX Upon reviewing the information provided in my credit report, I have identified discrepancies that are not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Incorrect Address : The address associated with Account XXXX is inaccurate and does not correspond to my current or previous residence. 
Inaccurate Collection Status : Both Account 1 and Account 2 are inaccurately marked as being in collection status. I dispute this status, as it does not reflect the true nature of my financial obligations. 
Incorrect Original Creditor : The original creditor listed for Account XXXX is inaccurate, as I have no history or association with XXXX XXXX XXXX XXXX. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your prompt attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-12-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Walmart card from capital one bank and Walmart is always taking money out for Walmart  plus. Its been canceled because theyre Walmart plus XXXX  at delivering food and stuff to my house. And they never ever refund my money back or XXXX XXXX XXXX I get. This Walmart XXXX. They let my stuff at somebody house no refunds back I want to cancel my credit cards do to Walmart. I didnt give them permission to take my money off my cards. Please cancel my credit cards do to Walmart. Just tired of Walmart stealing our money saying that we have Walmart plus  they hit up all of our cards.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I paid a partner in 2 separate transactions a total of {$22000.00}. I did not realize his phone was hacked and that I was paying a bad actor who knew the partner ( and who has since gone AWOL ). The bad actor 's business was located in the XXXX, was dissolved in XX/XX/2023, but for some reason Wise did not do their continjed due dilgence and allowed them to continue operating their business account despite the dissolution. In any event, in 2 transactons ( XXXX and XXXX USD, transaction IDs XXXX and XXXX ), the threat actor was able to acquire this significant sum of money. 

Here 's where things get ridiculous : Wise responded to my investigation ( unwilling to help ), ADMITS the money is still in the threat actor 's account and hasn't been cashed out, and is STILL refusing to refund the money. So the winner in this case? Wise! By {$22000.00}. Money I worked for and my team worked their XXXX off for. 

Giiven this business is XXXX based, I filed appropriate police reports in the XXXX ( Action Fraud and Financial Ombudsman ), and I am doing so with DFS right now and likely CFPB because this money is extremely important. I need everyone to do what they can to force Wise to refund their money ( please don't just stand by because I told you I've asked other entities to step in. I'm asking because I'm getting nowhere. Each of you can surely play your part ). 

I am also concerned for Wise 's well-being. If this guy withdraws the money and Wise 's hand is forced, they'll lose that $ XXXX they're basically holding hostage anyway. The only person who deserves that money right now is me, so that I can find another way to get it to my partner. Why would Wise put themselves at risk and wait for the threat actor to potentially withdraw the money? 

I noticed that XXXX has a compensation policy that allows refunds for this kind of fraud, but the XXXX is falling far behind ( though there's progress on the XXXX side ; now please do that with the Wise side ). Being in a jurisdiction other than XXXX absolves Wise from a moral/ethical responsibility but enables them to steal my money. Great. 

Wise 's position of " no refund '' is abhorrent, especially given my relationship with these partners. This is literally the food they put on their table and will keep them in poverty. 

I'm sorry, Wise is a billion+ dollar business and doing the right thing ( giving me back my {$22000.00} ) would save these families - my partner has a team he needs to pay. I will continue to pursue in every avenue I realistically can as a XXXX person at her computer until Wise does the right thing, rather than say " well you screwed up, too bad. ''
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. 

I would like my account reopened and my APR put back to what it was. 

Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. 

I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!
Consumer complaint received 2023-04-21
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. (GA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Due to XXXX data breach and identity theft by capital one by falsely reporting on my consumer report. According to 12 CFR 1022.3 Anything added to my report without written consent is considered identity theft. 15 U.S Code 1681s-2 A person shall not furnish information relating to a consumer to any consumer reporting agency. They are also in violations of the Fair Credit Reporting Act. According to 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I did not give my written consent to Capital one to report on my consumer report.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting an inaccurate late payment for the XXXX  XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (IL)

In XXXX or XXXX of 2023, BMO reduced my credit line from {$10000.00} to {$2000.00} without providing any kind of notice or reason. As a result, I would like to close my BMO credit card account and BMO checking accounts, but so far have been unable to do so.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNCOAST CREDIT UNION (FL)

I had my savings account siezed by my bank Suncoast schools credit union at the demand of XXXX XXXX XXXX of XXXX for a XXXX XXXX. All money in the account is from my XXXX. I had borrowed XXXX  and put in savings. I'm paying it back trying to bring my credit back after getting XXXX XXXX. But I paying it with my only income my XXXX. They have also canceled a order I had from on line and if I try to access inspite of the bank saying those funds aren't effected. I have intended to pay it back and did pay XXXX to a them but only XXXX was credited. They took the rest in legal fees. I dropped the program. I have proof. But 2 years after the fact one of XXXX went to a hearing he had no right going to and signed on my behalf. I've attempted contacting XXXX directly but they won't talk to me because they say the attorney had to discharge service when I dropped them 2 years prior. I can't talk to them and that attorney XXXX XXXX XXXX of XXXX FL. Bar # XXXX refused to return my calls. Because he said I yelled at him and said never to call again. This was after they took the entire XXXX towards my XXXX XXXX  XXXX card for fees and Because he had no right representing me. 
Noone will help me! I was trying to pay back what I owed. Why do you think I didn't just file bankruptcy? Because I felt I should try and pay it back. The savings that I had that I burrowed they siezed is an emergency fund I kept my daughter has a form XXXX XXXX and with her XXXX she could need to be taken to XXXX or XXXX to find someone that knows how to treat. She was just in the hospital for breathing right when this happened. To make things worst my wife had to stop working with the state. This XXXX Soscial security is all we have coming in and they took it and are planning on taking this month 's deposit that goes I. Wednesday. Help..please I am sorry to grobble. It just one of the main reasons I can't work isn't physical. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really having a hard time writing this. I have done nothing wrong. I worked in Healthcare for 16 years I understand this confusion
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (GA)

I spoke with XXXX of your representatives in XXXX, XXXX, and XX/XX/2024, and was informed that my account qualified for the XXXX, which is a cancellation of debt. Additionally, I faxed on XX/XX/XXXX requesting that a supervisor contact me regarding this matter. The fax number used was XXXX. It is now XX/XX/XXXX, and I have yet to receive any response from the Regional XXXX Department. This reporting is negatively impacting my credit. The lack of communication with the XXXX department is ridiculous.
Consumer complaint received 2023-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. I am tired of them calling my phone communicating about a false debt that isn't mine. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

I am a customer of Wells Fargo for 37 years and even so, I was treated with disdain in this matter. 

On XXXX XXXX, I received an email from Wells Fargo about a {$5000.00}. deposit to my checking account. It stated that I needed to confirm my identity; ( My cellphone number, and my email address were verified later. ) I did so with a Wells Fargo call-taker, who then told me that the restriction of the deposit was removed. On XX/XX/XXXX I checked my online account to see if the deposit was OK. It was not. I called Wells Fargo and talked to a female call-taker. She looked into the matter and said that the restriction was not removed, and that she was removing it. I again checked my account while she was on the phone with me and told her it was not removed. She then told me that the deposit was cancelled. 

I was lied to twice : once on XX/XX/XXXX and again on XX/XX/XXXX. 

Currently I have a payment of {$570.00}. due to Wells Fargo for a home equity loan, which we have had for 25 years. XXXX  taxes are also due in the amount of {$1100.00}. The two amounts total more than my Social Security check deposit. Without the {$5000.00}. deposit I will not be able to make those payments. 

Your input into this matter is greatly appreciated. If you provide me with your email address, I will forward a copy of the email which I received from Wells Fargo on the XXXX of XXXX. 

I thank you for your looking into this matter. XXXX XXXX
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a call from Bank of America & I thought it was urgent so I took the call. The guy was telling me that my account was hacked and in order for them to recover the funds, I would need to make a XXXX payment. Since it was the bank calling, I assumed that thats how it works. But I was fooled & tricked because it was actually a scam! When I reported this to my bank, they told me that I did get scammed. They told me that theyll investigate & will try to retrieve the funds taken out of my bank. After a few days, they got back to me but they didnt succeed into trying to retrieve the funds. They denied my claim & closed the case even though they know that I got scammed. I just feel that they shouldnt have closed it yet & shouldve investigate it furthermore.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (MA)

The company Bridgecrest stated that my vehicle was in a tow yard and incurred extra fees. The vehicle was at the mechanics. Bridgecrest stated in the first phone call that it was too dirty ( that doesn't make sense ), that it was broken ( it was at the mechanics ), and finally that they had abandoned it even though they knew were it was ( GPS was installed per contract ). Finally, I called again and someone did some investigating saying that they verbally negotiated and decided that they did not want to get the car. There are no verifying documents. The car was abandoned and auctioned without applying the amount to the loan, they continued to have this open on my credit charging my account as a bad debt until XX/XX/XXXX because I called in to ask questions. This has been affecting my ability to provide my family safe housing and the account was mishandled seeing as they said the car was auctioned in XXXX. To have the account showing late up until XXXX is obscene.