davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a mobile deposit on XX/XX/XXXX for {$1800.00} and was informed that funds will be available the next day. As indicated my funds were available. On XX/XX/XXXX I was informed that my account was overdrawn due a the check deposited is a duplicate. The representative couldn't tell me the exact date and time the check was deposited again. still have the original check in my possession nor has my employer received any notification of the duplicate check cased or received This is causing stress and XXXX because of a bank error, and someone maybe using my information. No one has responded to me yet to this error.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance to the Fair Credit Reporting act XXXX XXXX  # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 an account without my written instructions.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I received an email from XXXX on XX/XX/23 regarding an attempt to collect a debt from me for a XXXX Credit Card account. I do have an account with XXXX but knew it was current. I immediately checked my account and my credit report. My account details do not match the account information provided by TSI. This is a fraudulent attempt to collect money from someone when I have nothing in collections. This company has a HORRIBLE reputation from scamming individuals and I will not fall victim.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Around the beginning of XX/XX/2020, two large amounts deposited to my credit card, one was for {$3100.00} and the other was about {$2400.00}. Transactions were made at XXXX XXXX twice and XXXX XXXX three times using these transferred and charged to my credit card and also XXXX  charges. I dont remember the exact amounts of these transactions, as I reported my card stolen in XXXX when I noticed these charges and when I received a new card I saw a returned payment on the new card for {$3100.00} and an outstanding balance on my new credit card close to {$3000.00} when it should have been less than {$100.00} originally. I contacted my bank so they can hopefully resolve this issue as I have no idea how these funds were transferred and used at these places.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-07-18
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. (NC)

On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I am a XXXX  citizen living in the state of Florida, last week my credit monitoring service alerted me that a company named Credit Collection Services had put a derogatory mark on my credit. I have no idea who this company is and have no balance with the company they say they represent on my credit file. This company failed to ever contact me by phone, in person, electronically and never provided me with a debt validation letter so they are in violation of all federal laws.I am asking the CFPB to demand they immediately remove the derogatory remarks they put on my credit and then I request that this company is fined and penalized for breaking the law.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was trying to work with Capital One previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to XXXX XXXX XXXX and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

The money was sent by the payor, however it never posted to the account. 


All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank. 

This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report and seen I had these hard inquiries which I did not apply for any credit cards or loans 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 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Ive been submitting XXXX XXXX applications to Navient explaining to them that there has been a law that was passed already which states that ALL XXXX XXXX student loans must be forgiven/discharged. i did not graduate from the XXXX XXXX and XXXX program i signed up for so i did not benefit from the school at all. Navient should not be charging me payments for attending a school who gave students false certification and tormented students with predatory loans. i am not capable of paying these loans as i need to go back to school and graduate with an actual degree. 

ive been getting the same response from Navient for many years now and nothing is being done to correctly resolve this financial crisis. can anyone please assist?
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (SC)

they keep denying me then you close it out without me being able to speak as if they are right and i am wrong but they state the XXXX  transaction they made me make was successful they need to provide some documentation showing it was successful because i never received it, and Wells Fargo still owes me XXXX from that transaction cause it did not go through and they ow me from the date they classified it fraud on my account cause which was the date that the XXXX  transaction they admitted was fraud they keep saying the XXXX transactions was done with a pin so it cant be fraud, if they saying that transaction wasn't fraud and it was done with a pin then i need them to explain how these two XXXX transactions were done because from my understanding they were done the same way as the other transaction and that was with a pin if not then please have them show me how they were done cause they were all done the same way .... 
also, i received an email from wf settlements stating they gave me a check and if i didn't receive it to contact them I have been contacting them since they emailed me and will not respond back because I never receive a check from wfsettlements and i need my money since they state they sent me a check but they didn't and they do not want to respond back but I need my money and they are holding it from me...
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

After speaking from XXXX XXXX and XXXX XXXX from Credit Collection Services ( CCS ) on XX/XX/2023, I am submitting proof of payment ( for which CCS has a internal record of payment ) for the {$210.00} already made ( Conf. # XXXX ). An internal audit of CCS by the CFPB will demonstrate that indeed this bill was already paid after some adjustment to the account ( A credit of {$630.00} being made on XXXX after the initial {$210.00} was made to CCS on XXXX ). In any case, CCS is attempting to bill me in XX/XX/2023 a SECOND time for a bill that was already satisfied in XX/XX/2023. NOTE : All of the calls from XXXX have been recorded and can be reviewed as part of the audit process.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

On Thursday XX/XX/2020 I made a domestic transfer to PayPal. 
PayPal promises a transfer based on your banks process between 3-5 business Days. 
My bank posted the transfer transaction on XX/XX/2020. PayPal however held those funds for extra periods of time instead of releasing the transfer to me, intentionally. It is now XX/XX/2020 and the funds have not been released.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/XXXX someone hacked into my Chime account and took {$650.00}. This was the second time my account was hacked even after taking all the precautions as directed by the bank. The bank has since denied my claim but will not contact me to go over the paperwork I waited 10 days to get showing why they denied it. I have called, emailed, and XXXX. I just keep receiving generic responses saying someone will contact me but no one has. Customer service claims the people I need to talk to are unreachable any other way but email. I just want answers.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3000.00}, XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( An Original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Name of Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX