davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (IN)

On XX/XX/XXXX and XX/XX/XXXX of XXXX I filed a dispute with Equifax, XXXX, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because Equifax, XXXX, and XXXX are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but Equifax, XXXX, and XXXX is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, Equifax, XXXX, and XXXX isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of Equifax, XXXX, and XXXX 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AL)

I am a hard working man. I have always managed to take care of my bills/responsibilities. I had a XXXX credit score until Wakefield & Associates placed XXXX unknown collection accounts on my credit. I have not been contacted by this collection agency- I just received an alert that my credit score dropped. I am devastated because I am in the middle of getting financed for another XXXX XXXX XXXX for my business. I am requesting the XXXX unknown debts that were placed on my consumer credit reports without proper verification be removed today. I am further requesting that Wafefield & Associates cease and desist with their collection efforts.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX XXXX late payments on my credit report for the month of XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX. Id like this matter resolved ASAP as it is impacting my XXXX XXXX XXXX. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I was sent an email promotion ( below ) in XXXX. I registered for the offer and fulfilled the terms but Citibank still has not yet credited the award. I called in for help and the person had no idea what I was talking about. They then provided me an email address to contact. On XX/XX/XXXX I sent an email and to date have not received resolution or even an acknowledgement. Its aggravating to have to spend my time to chase this down. I am owed XXXX miles. 


Hello, XXXX We love great rewards and know you do too. 

We noticed youve been missing out on earning miles with your Citi / AAdvantage credit card, so you have an exclusive offer to earn up to XXXX bonus miles. 

Its simple Register by XX/XX/year> Use your Citi / AAdvantage credit card to make at least one eligible purchase in three separate credit card billing statements and earn up to XXXX bonus miles
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Chime closed my credit builder account without my permission. I have {$240.00} that I have requested since XX/XX/year>, and have yet to be refunded. I receive the run around every time I have called Chime.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

My bank account was used strictly for emergency money it had XXXXXXXX XXXX in it and then someone got my credit card information and kept using XXXX XXXX  to withdrawal money. When the bank put temporary credit in there the person kept taking it. So now I owe XXXXXXXX XXXX and late fees. I have 20 days to pay it to the bank. This issue started in XXXX and the bank is claiming it to be my fault.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, a wire of XXXX was sent in error to a XXXX XXXX  account instead of going to a Wells Fargo account. A claim was opened on XX/XX/XXXX case number XXXX. It was initially stated that the claim would take XXXX business days. During the time calls were made to follow up and all times I was told the case was still being investigated and attempts were being made to XXXX XXXX to have the funds recalled. 
The case closed XX/XX/XXXX and on XX/XX/XXXX a final call was made and I was told the case was closed and all attempts to have the funds recalled were unsuccessful and I should reach out to the beneficiary to try and have them return the funds. After explaining to them that I don't know who the beneficiary was and that is why I was asking for the funds to be recalled. The only other solution was given was to go into XXXX of the XXXX locations and receive a wire transfer confirmation which would state the beneficiary information and try to go to XXXX myself and have it resolved. I think this is unacceptable and would like to see what other options I have please.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I received the attached attempt to collect a debt from McCarthy , Burgess & Wolff ( XXXX, Ohio ). They are attempting to collect a debt from a defunct corporation, XXXX XXXX XXXX XXXX, but THEY HAVE CHANGED THE DEBTOR NAME TO MY PERSONAL NAME. 

This is not a personal debt. This was for registered agent services for XXXX XXXX. 

I notified their client XXXX XXXX by email on XXXX XXXX, 2022, that the business closed down on XX/XX/2022. They refused to cease services. ( see attached email )
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

For the past one to two years, I have disputed and attempted to validate and verify the alleged debts ( account numbers XXXX, XXXX, XXXX ) that Resurgent/LVNV has listed on my XXXX, XXXX, and XXXX credit reports. I have sent multiple requests and Resurgent/LVNV has never sent any items that validate or verify the alleged debts. They have not produced a contract containing my signature. They have not produced any proof that I have made a payment in any dollar amount towards any of these alleged debts. They have not produced any proof that I made any payment arrangements ( verbal or written ) with Resurgent/LVNV. They have not sent a letter from the original creditor expressing written ownership rights of Resurgent/LVNV and my identity. The accounts in question remain on my credit reports despite them never having been verified by the credit bureaus and Resurgent LVNV never producing documents showing that these alleged debts are valid.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My bank company capital one is holding my paychecks & tax return funds inside my savings & checkings bank account after they have told me Im using a personal account for business transactions, people use XXXX  commonly on XXXX, & Ive already called and talked to the fraud/risk dept, and they won't help me, after they have failed to verify the customers phone number. They have also told me they have no time frame on this investigation. I get paid every two weeks and theyre holding my paychecks in the account after someone sent one XXXX  payment for {$160.00} they decided to freeze the entire account with my paychecks in it after he decided to file a false chargeback on one XXXX  payment. I have proof and would speak to investigators, but they havent reached out for true evidence and they can not verify the phone number the customer provided. I have been with this bank for 2 years now & know someone who has banked with them for 30 years & they have ended that relationship aswell. Another customer who had a similar situation to this problem Is this guy on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one is known for holding peoples funds As I am not the only one to complain about this situation, multiple customers have complained About Capital One forcefully Terminating accounts for XXXX transactions.
Consumer complaint received 2024-04-17
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: DISCOVER BANK (NY)

In XXXX I ordered some Items, using my Discover card for payment. The merchant listed the items as delivered when they were not. After contacting them several times the delivery was made and some items were listed as included but they were not. I requested to return the packages, and the company did not respond, after several attempts, I contacted Discover Card XXXX and filed a dispute. 
The merchant responded, apologized for the delay, and provided me with two return labels, generated by their company, with instructions for the return. 
And the promise of a full refund would be processed. 
I uploaded all correspondence to Discover card XXXX with full proof of the return, all emails, return shipping labels, drop off receipts, and confirmation of return delivery with tracking number. 
Discover Card XXXX  has refused to accept the proof and is claiming the charges are valid. and I am responsible for the payments. 
I have contacted Discover card 4 months with no results
Consumer complaint received 2024-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I request to have my mature cd money moved to my money market acct. I was told it would take a few days. I have called 4 more times and went into the branch twice. They rolled my cd into a new one and are telling me they can not give me my money without a hefty fee. The branch manager said he can see in their records I made the request early enough to avoid any penalty but without higher approval he cant fix it. Its been over a week since Ive talked to him and hes not getting any further in the process than I was with the call center. Basically they are holding my money hostage. This is Huntington Bank in Michigan
Consumer complaint received 2023-02-08
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. (FL)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : -XXXX XXXX  XXXX Account # : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (GA)

On XX/XX/2023, I sent letters requesting proof of the alleged debt that shows on my credit report Which includes original promissory notes signed with my signature I have not received any type of communication in well over 40+ days
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (FL)

I was denied a bank account with XXXXXX/XX/XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Wells Fargo. After having XXXX XXXX XXXX  investigate the accounts, they confirmed that the information furnished by Wells Fargo was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have attached proof of the fraud case i have been trying to solve with Bank of America. 
My checking and savings accounts were hacked on XX/XX/XXXX. 
Both accounts were emptied through XXXX transactions, online banking transactions and credit card payments. 

The money was completely withdrawn from both accounts from XX/XX/XXXX to XX/XX/XXXX. I have attached the proof of withdrawals with details included such as amounts, dates and transaction type. 

The Bank of America has returned only a portion of the money except for the withdrawals made through XXXX transactions for a total of {$13000.00}. 

We have submitted and resubmitted our fraud case to Bank of America several times and they have been prolonging their decision on the results of the case, since XX/XX/XXXX. 
I have waited several months, submitting documents and information from this case to Bank of America, just to find out the have denied my claim again. 

I want to report that this entity has not handle this fraud case professionally, they never submit any responses to my case even when they say they will send me correspondence, email me or call me once a decision has been reached, they never do. I am the one who is constantly calling the fraud department number and most of the time they do not have an answer for me ( even thought the timeframe they suggested has passed ). 

It is unimaginable that if they already returned part of the money involved on this fraud case, why would they deny the reimbursement of the XXXX transactions made on the same days of the other online banking withdrawals and other debits that were already reimbursed. 

These are my life savings and the sustain for my family, Bank of America does not seem to be willing to assist me after all the paperwork submitted proving I did not commit this fraud, including police report, letters explaining what happened and months of waiting.