davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I noticed that i had many unauthorized charges on my account on XX/XX/XXXX for many amounts of both XXXX XXXX XXXX XXXX XXXXXXXX. When i called Customer Service, they forward me to the Fraud Dept. 

I spoke with XXXX. He said that he saw them and several other charges in the amounts of both XXXX, and {$600.00} XXXX. XXXX said he could clearly see that someone was authorizing the account to see what they could get. He also noticed a transactoin for " XXXX  '' and resturant subscriptions. None of which I made. He refunded the account and told me that he stopped the card and put in a re-issue [ of the card ] request. 

Today, XX/XX/XXXX, I have XXXX additional charges in the amounts of XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX, as the sub account was supposed to be closed and a card reissued I called customer service and spent XXXX mins on the phone with them. I am so unhappy and livid by their disservice The rep and her supervisor could not tell me that -- if the sub account was reissued and closed on XXXX -- why charges were happening the day after. WHY ARE THEY ALLOWING A DEACTIVED CARD TO CHARGE???! They did not reverse the charges, but rather, opened a Dispute. So, now i have to wait until 45 days for money back that should never have left my account to begin with. 

Noone can tell me why the account was still active. I want my money back and i want to make a government complaint agaisnt their disservice.

I called back and demanded XXXX  support, but they would not allow me to speak to someone that may be able to understand/answer my complaints.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

Recently I looked over a copy of my credit report and I did notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item XXXX asking you to verify as accurate. 

SYNCB/PPC XXXX
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XXXX. Bank of America closed my account without my knowledge and without giving me any notice. In addition, the amount in the account is about more than XXXX dollars, and I have not received any refund check and progress. My name is XXXX XXXX, my account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCESS # : XXXX SUBJECT : NFCU UNETHICAL PRACTICES ( INACCURATE BALANCES/XXXX. REPORTS, OVERDRAFT FEES ) Dear CFPB, I am reaching out to seek assistance in resolving an ongoing issue with my financial institution, Navy Federal Credit Union ( NFCU ), regarding overdraft fees charged to my checking account, ending in XXXX. 

After an inquiry into a recent overdraft fee, I demanded that NFCU waive and refund all overdraft fees. Additionally, I requested that NFCU accurately report pending transactions and balance information, allowing customers a grace period to correct any negative balance issues. 

Despite my efforts to address these concerns directly with NFCU, they have not provided a satisfactory resolution. Therefore, I am seeking your intervention to ensure that NFCU complies with these demands and rectifies the situation appropriately. 

Please find documentation supporting my claims, including correspondence with NFCU and evidence of the inaccurate balance reporting. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-08
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 (AZ)

Fraudulent charges from XXXX XXXX occurred on my Bank of America checking account and I can not reach the merchant to dispute. B of a wont dispute on my behalf. 

The fraudulent charges occurred are below and I had no access to see the charges as my phone wasnt letting me log in to my b of an app. 

All the charges are showing as XXXX XXXX from XXXX through XX/XX/XXXX ( I changed the description to fraud on the b of a app ) XX/XX/XXXX fraud - {$4000.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$5000.00} XX/XX/XXXX fraud - {$1000.00} XXXX XXXX - {$200.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$100.00} - {$5000.00} - {$2500.00} - {$200.00}
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

I had started an Amex account a little over a year ago and decided to cancel the card before the yearly fee for renewal came due. I cancelled my card after both texting the online chat option that Amex offers as well as a quick phone call to confirm a question. When I did this I asked if there were any ramifications that I would run into and was told in both instances that there were no extra charges. 

Later I was notified that I had been charged a {$300.00} charge for canceling the account which was associated with an initial offer that the Amex card had offered after purchasing $ x, xxx amount with their card within the first few months. I was only notified of this charge was due right at the due-date. Upon seeing this I called into their customer service number to see if there was a way to avoid this fee and/or restart the account to just pay the yearly fee and avoid the higher fee. I was told that was not possible, but I could escalate the issue to a manager who would later call me back in a few days. 

I received several calls from a manager at times in the middle of the night or early morning ( well outside normal business or working hours ) and was left with no way to call them back other than call into their general customer service phone number and continue to play phone tag with their managers or someone who could answer the questions I had.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. XXXX XXXX XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

In XX/XX/XXXX I had to refinance with Wellss Fargo Mortgage company. At the time I had a mortgage specialist assigned to me. The terms were a hardship and this was duly expressed with the loan provider. On an income of XXXX/month, Wells Fargo expected payments of XXXX for 4 months and then back to my normal payment of {$680.00}. XX/XX/XXXXthru XX/XX/XXXXpayments were made, in XX/XX/XXXX my only vehicle broke down and needed repairs. I reached out to Wells Fargo, only to find they changed my home specialist. Then I started getting statements that didnt reflect my payments posted. My specialists were changed multiple times. Wells Fargo made calls prior to XXXX XXXX  on the weekends. They also made several calls on an unlisted number. I requested a payment itemization multiple times on a recorded line and never received one. The current home specialist wrote to me and promised an answer by XX/XX/XXXX. They sent another letter stating I would have an answer by XX/XX/XXXX. Both dates have come and gone without Wells Fargo doing their due diligence. I currently have an immediate medical issue that requires a loan of {$30000.00}. Even though I have approximately {$50000.00} of equity in my home, I am being denied the funds for necessary procedures due to the disparaging credit history reported by Wells Fargo. Three FDCPA violations, failure to respond in a timely manner and denial of necessary medical care has forced me to submit this complaint and possibly seek legal recourse against this corporation. Also, they sent me an escrow refund check ... ..If Im behind on payments then why wasnt that applied to my account?
Consumer complaint received 2023-07-25
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: Affirm Holdings, Inc (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 I sent a {$28.00} to a rescue on PayPals site. I chose friends and family option so the rescue doesnt incur extra fees. I entered {$28.00} and hit next and send. All of a sudden screen started moving really fast and was acting very glitchy. I got an message on messenger saying that I paid {$280.00} to this rescue. I right away called Pay Pal and was on hold 30 minutes than customer service person told me it was too late to stop the payment XXXX. It was already sent. I find it hard to believe that payment was sent within 30 minutes. I was told to have my bank dispute it. Pay Pal brushed me off and put the problem on my bank XXXX XXXX  XXXX. I filed a dispute with XXXX XXXXXXXX XXXX which after 90 days of following up, resubmitting again gave no results. The bank said we cant do anything about it.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-11
Product: Credit reporting 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: WELLS FARGO & COMPANY (CA)

I have contacted three credit bureaus XXXX XXXX XXXX I also called the company that worked in my credit report that I never gave any authority to run my credit or any information of mine I've also sent a letters in regards to getting it dispute and getting it removed from my credit report but I've not had any answers or any help with this it's a continuing thing that it's been on my credit report and I have complained over and over that I would like it removed because it's not me or I'm not giving anyone the authority to even run my credit in any type of formal way it's very difficult at this time to even apply for a loan because I'm not getting approved at whatsoever I've never had anything under my name I've never owned anything in my life and I'm trying to build that so one day I can get qualified for a loan so I can build my credit no one is helping me how am I supposed to get a credit card when I'm trying to build myself up and this is affecting my credit by all the inquiries on my credit report close accounts that don't belong to me and etc
Consumer complaint received 2024-03-07
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. (CO)

i have been checking my credit score and there was multiple dates and places where this person has been using my identity around about a few months before XXXX is when i had lost my wallet on the bus coming home from work i dont work there currently, the places and dates that this person has been using my credit cards and my identity colorado id is XXXX XXXX XXXX XXXX inquired on multuiple dates stating from XX/XX/XXXX, XX/XX/XXXX XXXX etc to XXXX. 
XXXX XXXX XXXX : inquired on two dates XX/XX/XXXX, XX/XX/XXXX experian XXXX XXXXXXXX mulitple dtaes and ending with XX/XX/XXXX Experian XXXX : starting with XX/XX/XXXX with multiple date sand ending in XX/XX/XXXX experian cs identity : inquired on XX/XX/XXXX XXXX XXXX employment : inquired on XX/XX/XXXX XXXX XXXX : this is why i cant get a phone anywhere at XXXX because they had locked it the date to that XX/XX/XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

I don't recall having a contractual relationship with this collection company WAKEFIELD & ASSOCIATES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (MO)

Recently, I was able to sell my late Mothers Home. After the sale, I was left with {$7700.00}. I went to deposit the check at Commerce Bank to pay off my credit card and close the account. I deposited the check and was told I would have to wait seven days to access the funds due to multiple overdrafts on the account. I have overdraft protection on my account, and when the account goes negative ( usually due to bank fees since I only use the account to pay on the credit card ), the overdraft protection will deposit money into the account. I dont understand why I am being punished for overdrafting the account while I have overdraft protection. 
Additionally, when the credit card deposits funds into the account, I pay a fee for the cash advance, too. It seems overly aggressive, and I wanted to make the CFPB aware of Commerce Banks treatment of its customers. There have also been times when Commerce Bank was the cause of the overdrafts. On XX/XX/2022, Commerces system prevented pending deposits and only allowed scheduled debts to be taken out. This caused my account to go negative due to the bank system error.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid 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: Affirm Holdings, Inc (FL)

Hello, I submitted an inquiry for activity that was not authorized. I tried to resolve this with the Affirm and submitted the form on the website on XX/XX/XXXX. I followed up after 7 days ( when they were supposed to respond ) on XX/XX/XXXX and again on XX/XX/XXXX. I tried to call in and was not able to obtain help as none of the call center reps spoke clearly enough for me to understand anything at all. 

On XX/XX/XXXX I received a refund of XXXX but this was not the full amount. The issue resides with the system at XXXX and I have tried to resolve this many times with the owner and XXXX and affirm to no avail. The owner had intentionally held the property so that no others could book it, even though I had cancelled on time. They stated that they have policy where if they have someone else try to book it and they are holding it then they will keep the loss- which is not fair if they have the ability to do this at their own will. 

Moreover, this is not a credit agreement or terms that I would ever agree to, there was no consideration or exchange of benefit between myself and this owner or XXXX in anyway. XXXX had advised that they received no benefit out of this. 

I have not received anything in the mail or email, and this is still pending and is going to charge me should a payment not be made to this fraudulent charge.
Consumer complaint received 2018-10-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of in

formation : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and XXXX Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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.