davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

In case you all are wondering this is why, consumer financial protection bureau is fining wells fargo and company for {$2.00} XXXX ; lack of integrity. No one is right all the time! Yes I defaulted on my payments that much is given. I have not ever denied this aspect of the situation. That is not a depiction of all the facts related to this repossession. 
In your response dated XX/XX/XXXX a letter was sent to my residence indicating a date of XX/XX/XXXX. It seems to have the right address, now, though in XXXX it must not have had this address because it did not arrive. 
So, again, I will point out : Section 3 paragraph e. 'How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back ( redeem ). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. ' According to my records, the vehicle was repossessed on XX/XX/XXXX @ XXXX XXXX  and was not sold until XX/XX/XXXX. So, why was I prevented from 'redeeming ' the vehicle in the month of XXXX prior to the sale of the vehicle? I also received a letter with a cheque on XX/XX/XXXX for {$400.00} stating 'a set-off was performed in error on my account ending in XXXX. ' I was then sent another letter with a cheque dated XX/XX/XXXX for {$5500.00} stating again that 'a set-off was performed in error on my account ending in XXXX. ' Did this set-off not occur during my redeem period? Can wells fargo and company show proof that I did not transfer funds into my savings in time to redeem the vehicle? It is also important to note that I did contact the bank in relation to the overdraft on my checking account. I was instructed by Wells Fargo personnel to 'log into to the online banking portal and turnoff the set-off feature. This will prevent any funds from being transferred from savings to checking. ' I did exactly that 6 business days prior to transferring the funds to my savings. Also, in a letter dated XX/XX/XXXX wells fargo and company stated that I claimed 'that I received none of the letters sent to me in relation to this repossession. ' That is false I never made that statement and have already attached said letters in a prior complaint to consumer financial protection bureau.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

See CFPB claim number : XXXX & XXXX for details Please have Wells Fargo explain how they are exempt from the What is the Electronic Fund Transfer Act 2023? The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.

The questions and answers below pertain to compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

This is a Compliance Aid issued by the Consumer Financial Protection Bureau. The Bureau published a Policy Statement on Compliance Aids, available here, that explains the Bureaus approach to Compliance Aids.

5. A third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account. Does the transfer meet Regulation Es definition of an unauthorized EFT?

Yes. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-08
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TRANSCARD, LLC (VA)

Our children bought my husband and me a {$350.00} gift card to XXXX XXXX XXXX and XXXX in XXXX  as a XXXX gift XXXX. We tucked the card in a safe place for a time when we could enjoy an overnight stay at the nearby hotel and casino. We recently called to book our hotel stay ( I know, it took us a while to find the time! ) and we were told that the balance of our card was {$0.00}. I called Transcard ( XXXX ) to tell them there must be some mistake, but they checked and said the card did in fact have a zero balance. When I asked how this could be, I was told that the card was used to pay for a room in the XXXX XXXX XXXX XXXX for {$300.00}, and another charge was made at the front desk for {$17.00}. We have never been to XXXX XXXX, and the card has been in our possession the entire time, so I thought this would easily be cleared up. 

I filed a fraud complaint with Transcard, and received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : Based on the information available to us, we are not able to rule in the XXXX favor. 

I asked Transcard to please escalate this matter, because I was not satisfied with that answer. They did, and I received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : The card is ineligible for liability protection prior to the time it was registered. 

Neither explanation is acceptable to us, so I would like you to look into this matter for us. I have never had to register a gift card, and did not receive any instructions to do so. Clearly the account number was compromised, and someone was able to use it without our permission, knowledge or consent ( without having possession of the physical card ). 

I called XXXX XXXX in XXXX  ( where the card was purchased ) and they told me that I needed to contact the hotel in XXXX XXXX where the card was used. I called the XXXX XXXX XXXX, and they said that Transcard was a third-party company that the used to use, but no longer do business with. They said they have no way of seeing the card history, balance or transactions. They sent me back to Transcard, who continues to give me the run-around. I am hoping you can help me with this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been submitted to the company ( 4 ) 609 letters requesting that the account be verified- that they never did- or remove immediately- that they never did as well - and this is against FCRA.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (NC)

They claim I owe but I haven't received anything. Nor have I had a Vivant account in years. They emailed and call constantly from random numbers. I responded to their email and told them to not contact me because I haven't even had a Vivant count in years. 


ZIONS DEBT HOLDINGS Last reported XX/XX/XXXX {$600.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos )
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XXXX  I made a payment in the amount of USD XXXX from my XXXX account to the account of XXXX XXXX XXXX , XXXX under contract No. XXXX, opened in XXXX XXXX XXXX  XXXX. JPMorgan Chase was an intermediary bank in this chain. On XX/XX/, XXXX was appointed in accordance with Presidential Decree No. 14024. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. We contacted OFAC and received a response : This is in reply to your request of XX/XX/. We can not locate a record of the funds described in your correspondence as being blocked. Please contact the bank that blocked funds to verify a blocking has occurred and that information regarding the blocking has been sent to the Office of Foreign Assets Control ( OFAC ) Compliance Division as required. The OFAC Compliance Division may be reached by phone at ( XXXX ) XXXX or XXXX and by mail at the address above. 
However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. We tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. The bank that blocked the payment is JPMORGAN CHASE BANK. XXXX XXXX  did not fulfill the terms of delivery due to blocking. We ask you to unblock the funds and return them to the specified details : Beneficiary 's bank : XXXX, XXXX XXXX, Beneficiary account XXXX, Correspondent Bank of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX In the XXXX  and attachment, the response from OFAC
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Identity theft... Someone created account with my name and linked to my savings account. They called and transferred {XXXX} from my savings into their account. This was a phone transfer of funds. Bank kept telling me it was my account. I called 3 times and went to bank 3 times with 2 personal IDs to prove my identity. Person who stole my funds only made one phone call and my funds were transferred to their account. 

When I called bank 3 times they kept telling me it was my account and I made the transfer.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to inform you and seek intervention in a matter that significantly impacts the financial well-being of countless Bank of America credit card customers , including myself, my husband, and numerous acquaintances. Despite repeated attempts to address this issue directly with the bank, amounting to over 10 hours of customer service calls, the resolution offered was merely to file a customer complaint internally with Bank of America, which has proven ineffective and does not alleviate the financial risks posed by this glaring omission in their service. 

The issue is Bank of America 's failure to offer a customer-facing " auto-pay '' feature for settling credit card " Statement Balances, '' a basic yet crucial function standard across the banking and credit card industry. The absence of this " auto pay full statement balance '' feature has led to unnecessary financial burdens due to missed payments, accruing late fees, and escalated interest rates, adversely affecting credit scores and financial stability for millions of Americans. 

What is particularly disconcerting is the bank 's apparent lack of initiative to rectify this situation, possibly due to the financial benefits it reaps from penalties imposed on missed payments. This situation raises serious concerns about the bank 's commitment to consumer welfare and the potential exploitation of its customers. 

Given the CFPB 's staunch commitment to ensuring fair, transparent, and competitive financial markets, I urge your office to take immediate action. Bank of America 's customers desperately need a customer-facing auto-pay feature to settle their full statement balances each month on their personal and business credit card payments, aligning with industry standards and safeguarding consumer interests from potentially unfair practices. 

I am ready to provide further details or documentation as required and eagerly await your prompt and decisive intervention in this matter. Today ( XX/XX/year> ) was my final attempt to rectify this issue with them after spending over 10 hours trying to get ahold of a customer service representative who could help me address it. The conclusion was that Bank America does not offer this feature, and customers must manually log in to pay their full statement credit card balances each month. This process can not be automated with any customer-facing features, which does not align with industry standards.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I got two credit cards through XXXX XXXX {$500.00} limit on each one I use them both for some time and then decided to close my accounts I paid off One credit card close to that account I pay off the other credit card down to a final payment and I was told inside of the bank they would not accept my payment that my account was frozen and that there was nothing I can do about it they sold my debt and since then the collection agency has harassed me this collection agency has changed their name because of their harassment of me and it still continues I have a letter here which just arrived this debt is over 15 years old and I have not made contact with this company and at least 10 years probably longer this debt still shows up on my credit report because this collection agency is breaking the law and the information I collected personally from XXXX XXXX which I still have my complete Financial record with them I made them print it out and send it to me so that I can prove this happened
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CO)

The original debt was with XXXX. The account was opened XX/XX/XXXX, and was purchased by Midland Credit Management/Midland Funding on XX/XX/XXXX. The last payment made to XXXX was XX/XX/XXXX. This debt is beyond the statute of limitations allowable for collection. 

Colorado law states the following : " ( 1 ) The following civil actions, regardless of the theory upon which suit is brought, or against whom suit is brought, shall be commenced within three years after the cause of action accrues, and not thereafter : ( a ) All contract actions, including personal contracts and actions under the 'Uniform Commercial Code ', except as otherwise provided in section 13-80-103.5 ; ( l ) All actions of debt under section 40-30-102, C.R.S.... '' Therefore, Midland Funding is unlawfully pursuing payment for an old debt.
Consumer complaint received 2023-11-21
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: CORELOGIC INC (GA)

There are inquiries on my credit report from companies that I've never heard of. I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Consumer complaint received 2024-02-05
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: U.S. BANCORP (DC)

Elan Financial Services / US Bank had been negligent in judiciously utilizing the evidentiary documentation and information provided to the company in a timely manner to effectively defend the customer, myself, in financial court related to the transaction of XXXX} charged by XXXX. Attached with this complaint, detailed evidence was provided to XXXX in a timely fashion. The evidence included XXXX website claiming that a refund had been issued and XXXX agent XXXX reassuring over chat that a refund would be issued. Elan Financial Services / US Bank was made aware that the merchant, XXXX, prevented the customer from being able to use XXXX return policy by failing to provide a return address ( and return ID ) upon explicitly contacting the merchant XXXX regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to the merchant XXXX 's large network of warehouses. This was explained in great detail to more than one Elan Financial Services / US Bank agent over the phone. Elan Financial Services / US Bank naively sided with the merchant, citing the merchants return policy in lieu of the extensive evidence provided via fax and via phone on multiple occasions. Elan Financial Services / US Bank frivolously claimed that they attempted to obtain additional necessary information for the claim, that is, in addition to the complete set of evidentiary information that was provided to the financial institution. Elan Financial Services / US Bank was negligent in utilizing the information already given to them and, hence, should be held liable for the full amount of XXXX