davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

Discussed with Wells Fargo over 10 years ago after I had closed my account inquiring if any action or additional charges were pending on account. Wells Fargo stated my account was closed and clear without any delinquencies. I received a callXXXX from a process server stating I would be served papers. They stated my account was sent to their federal financial team due to a possible overdraft and will be suing me.
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (TX)

This complaint is a follow up to a recent complaint filed against Truist with complaint ID # XXXX. 
I received a letter from Truist Bank dated XXXX XXXX XXXX, regarding the above complaint. After reading the letter, it is quite obvious that an honest mistake was made when selecting the source account to make the payment. According to the Banks investigation, the account I selected to make the payment was not my usuaXXXX XXXX  account, but my Truist checking account with has only had about {$200.00} for months, and which I never use. What seems surprising to me is that the bank which clearly knows I have only {$200.00} dollars in the selected account allows me to draft a $ XXXX payment and goes through and gives me a payment confirmation. What is even more concerning and frustrating is that upon review of all this, the bank is unwilling to view this as an honest mistake facilitated by what can only be characterized as a poor payment system interface and backend. Furthermore, in the supporting materials the bank sent me copies of, it includes an overdraft card I never received and payment relief information which I did not require, as I did have sufficient funds to make the payment and made it as soon as I was aware that the payment did not go through. 
I called the Truist Customer Advocacy number listed on the letter ( XX/XX/ ), the same day I received it to make the above concerns known to the bank and request they reconsider. I asked to speak to the person in charge who signed the letter I received from Truist after my CFPB complaint, and I was told I could not speak to her directly but that they would pass it along. It has now been two weeks since then, and I have not received any follow up calls or correspondence from the bank. 
I feel that this was a bank error caused by a poor online banking interface that compounds the months of difficulties I have had using their bank to pay a HELOC I also have with Truist, because of glitches following the mergers of BB & T ( my original mortgage bank ) and Sun Trust. I have made multiple complaints about delayed payments and other issues on that HELOC that should be well documented in their system. The response stated that the derogatory credit report could not be removed unless it is a bank error, which I believe this is as the website and interface resulted in payment being drafted from an account the bank knew to have insufficient funds. 
I again respectfully request that the derogatory remark be removed from my credit report, as in this case the bank should not have allowed me to pay from a checking account in their own bank they know to have insufficient funds and still generate a payment confirmation. I made an honest mistake in clicking the wrong account, but it should not have allowed it to proceed and generate a payment confirmation. I now am stuck with a major negative credit report for years to come, and it is not reflective in the least of my ability to pay as the funds were clearly there.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have Synchrony Bank credit card which is offered by Venmo. My due date is always the XXXX of the month. On XX/XX/ I made a payment amount of {$8200.00} ( balance of my last statement ) much earlier than due date to bring up my available credit and continue to make purchases with my card. Usually, it takes two days for the payment to be posted. So, today on XXXX, I checked the account and of course the payment was posted and the balance was decreased accordingly. However, the available credit was not increased at all. This has never happened to me. So, I called the customer service and they said that I had to wait for two weeks ( till XXXX  ) before I could see the available increase in my credit card as that's their policy when large payments are made on an account. Well, it's not my first time I am making payments like this. My credit limit on this card is {$15000.00}. So, an {$8000.00} payment is not that significant. I have never missed a payment on this card and never had a late payment on it. If I was aware of this policy I would have not made an early payment and I could still use my funds. Why I was not getting a prompt when I made the payment that the available credit would not be there for two weeks. And their customer service didn't offer anything other than saying " that's our policy ''.
Consumer complaint received 2022-10-18
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. (TX)

Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2024 I deposited a cash of amount {$7500.00} to BOFA XXXX ID # XXXX on the following address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. It was the payment for the kitchen cabinets sold by our kitchen store. The client brought cash because he needed his kitchen asap. At XXXX pm while I was deposited the money, the ATM stopped working. The following error was showing : We're sorry, this ATM is temporary out of service. I have attached a picture of the screen. I immediately checked my bank account and saw that the deposit did not get proceed to my account. I went to the bank and ask the advisor what to do. Unfortunately, they did not help me much, they said that ATM is a third party, and they can not help me. I called to the phone number on the ATM machine to make a claim. The claim advisor said that investigation will take up to 10 days but in next XXXX hours they will credit this money to my bank account until investigation will be resolved. Next day I called to the claim department and the other advisor told me the completely different info. She said that if in 10 days they would not investigate it, they maybe will credit this deposit after 10 days. These money is clients ' money. We're a retail store and I have to order the kitchen for my client the same day. If I would not, he would like to get a refund. This ATM just ate my money, and no one can help me. The claim advisors were rude and completely and unhelpful. This is a big money for my company and this situation can ruin our business. I'm feeling very unsafe to work with BOFA in the future. Please help me to get my money back asap. Thank you
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (MO)

I emailed and called Explore Credit to revoke my automatic ach payment authorization with them and they continue to charge my account. In order to avoid a stop payment, they have also now split my payment into two payments. Since the time I originally contacted them, they have charged me an additional {$430.00}.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I am filing this complaint against Conn 's Appliances , Inc. I have tried on several occasions to rectify this problem, since paying both of my accounts off with a third party collection company, on XX/XX/XXXX. I have been given the runaround with Conn 's since paying off my accounts in XXXX. I waited the 30 to 45 days that it takes for them to update the credit report. The last time I spoke with a representative on XX/XX/XXXX. I was still given the run around by Conn 's, my credit report still hasn't been updated. I have emails from the collection office XXXX XXXX XXXX XXXX, with proof that put accounts that I had with Conn 's, were paid off in full. I am hoping that with filing this complaint CFPB, can help me get this problem solved.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I sold my home and closed on it at the Title Company who paid the loan balance in full by wire payment on XX/XX/2024. The amount paid was based on the payoff letter provided by SPS Servicing who collects payments on behalf of the mortgage lender. On Saturday, XX/XX/2024, SPS Servicing called me to collect on the balance due on the mortgage. I told the representative that the loan was paid in full by wire payment the day before on XX/XX/XXXX, XXXXI was told that SPS would take XXXX business days to apply the payment with no reason given as to why it takes that long. 
I have called SPS Servicing daily from XX/XX/2024 through XX/XX/2024 to inquire as to why they have not applied the complete loan payment made by wire for amount due per their payoff letter. In each of these phone calls the customer service representative told me that they will be applying the payment at a later date but then back dating it to XX/XX/2024. On XX/XX/2024 the customer service representative for SPS Servicing informed me that they will take XXXX business days to apply the payment. On XX/XX/XXXX, another representative for SPS Servicing told me that they can take up to XXXX  days following receipt of the payment to apply the payment and prepare a release of lien. 
On XX/XX/2024 the SPS customer service representative told me that they see that I informed the Ombudsman for SPS to escalate the issue and apply the payment. He made no excuse or reason for not applying the payment other than to say that they can take up to XXXX  days to prepare the release of lien and he thinks that I owe SPS servicing more money but could not quantify the dollar amount. XX/XX/2024 is day XXXX of SPS servicing receiving the payment in full for the lien on my property and have not provided any information as to why the payment was not applied in the past week or if they think I owe more money that what was on the payoff letter they provided to me which took the interest out to XX/XX/2024. The other lien holder on the property applied the payment on the same day they received it on XX/XX/2024.
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I, the consumer and natural person, was denied credit by CAPITAL ONE while I applied for a CREDIT CARD. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 U.S.C 1691k. CAPITAL ONE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response i received. CAPITAL ONE is in violation of U.S Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on behalf of CAPITAL ONE.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (PA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am attempting to pay off my Bank of America credit card. I have perfect payment history on the Bank of America credit card and perfect payment history on all of my other credit cards with other institutions like XXXX XXXX, XXXX, XXXX, and XXXX. 
After I closed my Bank of America checking account, Bank of America refuses to let me connect my checking account at another institution or let me try to make a payment on my credit card. I have never had this problem at any of the other companies I hold a credit card with. The website presents me with the following error : " " There was a problem processing your request. 
~Due to the status of your account, we are unable to service your request. For assistance, call XXXX ( Select option 'Technical Support ' ). Outside the U.S., call toll free XXXX or collect XXXX. For small business cards, call XXXX. Outside the U.S., call collect XXXX. 
" " Bank of America chose how to design its products and workflows. No other company where I've held a credit card account has implemented such anobstaclethat would prevent a customer from paying off a credit cardand increase revenue from late payment fees. I should not have to deal with the hassle of calling into a customer service line. 

Bank of America XXXX is worth hundreds of billions of dollars, and we don't need to pretend that the company has no idea that this is a burdensome, unnecessary setup.
Consumer complaint received 2022-10-17
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. (GA)

I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.
Consumer complaint received 2023-07-20
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-29
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. (FL)

Please help me fix this mess. SOmone has completely taken over my personal information & applying for thing I don't know about. Please delete these inquiries not done by me for these 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 2023-06-28
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. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX