davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Early Warning is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Wells Fargo being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Wells Fargo nor the consumer reporting agency Early Warning have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Wells Fargo failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2024-04-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PNC Bank N.A. (MD)

I went to a aPnc atm at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX at approximately XXXXXXXX XXXX to withdraw XXXX dollars from my XXXX XXXX account. The atm gave off an error message saying the transaction was declined but upon checking my account, the transaction went through and was approved for withdrawal. I spoke with store manager who then ran the cameras back to see if I was lying. He confirmed I wasnt and contacted the atms customer service number. They told me to call my bank. I can not get in contact with the bank and pnc said they dont own atms.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

XXXX Wire Transfer performed on XX/XX/2022 in the amount of {$10000.00} XXXX Wire Transfer cancelled on XX/XX/2022 due to Availability date of XX/XX/2022 and my presence required at the Branch due to problems with Wire. Cancellation requested on XX/XX/2022 at the Branch and on XX/XX/2022 written confirmation received and funds returned to my XXXX Account. 
On the month of XXXX of 2022 discovered my Savings Account was debited for the same amount that the XXXX XXXX funds were refunded on XX/XX/2022. 
Went again to the Branch and was told by the Personal Banker that Wire Department explained they were confused with the Cancellation request and placed the funds on Hold. 
Later the Branch Manager informed me that the Wire Department said the Wire was resent on XX/XX/2022, another surprise since I was not notified, nor I requested Wire to be resent. 
Since then, it has been a back and forth from the bank Wire Department and the Personal Banker, and then the Branch Manager, till case was supposedly forwarded to their Legal Department for more investigation. 
I have received XXXX letters from the XXXX Bank XXXX XXXX XXXX XXXX, indicating they have received from the XXXX XXXX on XX/XX/2022 the information that resent Wire Funds were deposited on the specific date of XX/XX/2022 for the specific amount in the XXXX  's country currency along with a Reference Number. 
But also received another letter from the Originating Bank Wire Department dated XX/XX/2022 indicating they have tried on XXXX different occasions the XXXX Bank without any response received, but if beneficiary still claims not receiving the funds, to please contact them again for further assistance. 
XXXX Bank claims never have received communication from the originating Bank and they are willing to cooperate with any investigation. 
Originating Bank is not accepting evidence presented by XXXX Bank proving 2nd Wire ( resent Wire ) was never deposited into the XXXX Bank Account. 
As part of the XXXX Bank investigation, provided emails from the Remittance Department, as well as information that no money from the originating Bank has been received nor deposited into the Beneficiarys account, also presented Detailed Bank Statements, Receipts from other Bank showing and matching the big deposits on beneficiarys account were from another Bank institution, plus XXXX Bank provided copy of first Remittance from XX/XX/2022 received, that was rejected due to name mismatch and returned to originating bank on XX/XX/2022. 
Please see detailed attached History plus several evidences attached. Thank you!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (NJ)

XX/XX/2022 XXXX Credit Report showing 30 days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just 7 days past the due date ... SUNBIT incorrectly reporting me to XXXX..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN 30 DAYS LATE EVER!!!

FURTHERMORE ... THIS IS THE 2ND TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Spoke with Bank of America, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. Bank of America is flagged on my XXXX XXXX account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-08
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. (CA)

I have tried reporting these account that doesnt belong to me but its on all my 3 credit burea. I only have XXXX  XXXX limit at {$500.00}, XXXX XXXX ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 XXXX {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I filed a dispute about a product I purchased with XXXXXXXX XXXX XXXX company. It was the wrong product so I spent XXXX to send it back. The purchase was for XXXX. Capitalone still paid the vendor and refused my dispute even though I returned the merchandise to the vendor. I sent them all the paperwork and they still would not get rid of the charge. As a result I closed both my credit cards with Capitalone. I have had those cards and paid them thousands of dollars in interest and they lost a customer over a XXXX dispute. I called them several times to no avail. So they lost me for life. I will never do business with them again
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I was a few days past due on my credit card account through Comenity for Zales and began receiving multiple calls a day from a private number. I do not answer calls from private numbers as they are often spam calls. This caller never left a message but would call repeatedly. Had they left a message then I would have known to check my account. Finally, I answered and they told me who they were and why they were calling. I got online and made the payment as soon as I knew. 

The ridiculous number of calls I received is the topic of my complaint. It was 4 calls in 3 hours each day. I have multiple jobs and go to school full time. If it isn't important enough to leave a message or call from a visible number, then it isn't important enough to call that many times.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (FL)

I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (ME)

On XX/XX/XXXX, my XXXX credit card was switched from XXXX XXXX XXXXXXXX to Comenity Bank without my knowledge. This involved new account number and cards even though I had several years left before expiration. At least XXXX of my automatic payments were not paid as a result. I called and was told I would receive a new card within a week. On about XX/XX/XXXX, I called again and was told I would receive the card the next day. I did not. On XX/XX/XXXX I received a bill by mail for {$190.00} which upon review accurately reflected some charges made before the new card was issued. On XX/XX/XXXX I sent in my payment. On XX/XX/XXXX, having still not received the card I called to cancel the account. I asked if they had received my payment, they said yes and verified the amount. I asked, " Do I now have a XXXX balance? '' and was told yes. I said, " Please cancel the account. '' She said yes, no problem. The next day I finally received the cards and shredded them. The new number was never activated. On XXXX XXXX I received an email bill from Comenity for {$25.00}. Upon calling I was told this was for a late payment. The due date was XX/XX/XXXX, I sent it in via XXXX mail on XXXX. Recall that the XX/XX/XXXX call confirmed their receipt and that I had a XXXX balance. The XX/XX/XXXX call claimed the payment was not received until XX/XX/XXXX. They promised to remove the late charge. I tried again to close the account and was told I would receive a mailed confirmation of the closure in XXXX week.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MD)

I reported a transaction with XXXX where I purchased in XX/XX/2021. Because I got Covid and was involved in a vehicle accident and in the hospital for 43 days, I could only try on and subsequently send the merchandise back to the retailer in late XX/XX/2021. The merchandise did not fit because of my hospitalization I became a different size. I purchased online and returned the items thru UPS. The retailer received the items and never credited my account. I gave them 60 days and called several times about this situation. I couldnt get any help because the store said they received the items but they werent scanned for some reason which is why I wasnt refunded. Shortly before 60 days I called and reported this situation to my bank. I requested a full refund for {$1400.00}. 

Chase Bank issued a credit in the amount above and proceeded with an investigation. Yesterday they decided to reverse the temporary credit of XXXX. Prior to taking this money back they offered me no explanation or relevant documentation about why they think this charge is valid. I need my money back. I have a good record with the bank and I dont have problems such as this before. I am attaching three pictures of the items I bought and of the company XXXX acknowledging the return and the pictures also show I was not credited for the returned items. So at the moment Im out of both cash and the items I purchased. A double loss. Its now the banks job to help me. I followed all rules and regulations
Consumer complaint received 2023-01-07
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. (FL)

I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my credit score, even after I now have more availability. The credit scores should increase. This needs to stop.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had applied for unemployment for the XXXX XXXX relief but never received a card for the XXXX XXXX relief but I received paperwork that I used it and even a XXXX for taxes I burly found a way to find out if I could receive my money that was issued to me by the government so here I am trying to see if it's possible to get what was granted to me since someone else used it like if it was there money XX/XX/2020 is when they received the money and I don't know how long they continue to receive it.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

At this time, I respectfully request a copy of myXX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. 

XXXX XXXX
Consumer complaint received 2023-01-07
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. (CA)

My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX of 2022. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/2022 and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/2022. I filed a complaint and demonstrated that I was not delinquent for XX/XX/2022. They removed the XX/XX/2022 delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XX/XX/2022 and XX/XX/2022 payments
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: PNC Bank N.A. (AZ)

I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.
Consumer complaint received 2023-01-07
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. (MO)

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
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: LEXISNEXIS (VA)

On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.