davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was scammed by a buyer on XXXX XXXX  who sent me fake emails from zelle asking for {$300.00} in order to get the {$50.00} that they owed me for the product. I used zelle to send him the money and then realized that I had been scammed once the buyer was no longer reachable. I called XXXX and zelle to ask for help and they said that since the money had already been sent there was not much they could do. I am requesting that the {$300.00} i sent to this person be refunded back into my account because I was scammed and forced to send this money to them based on their emails.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was married, we divorced last XX/XX/year>. She has not been paying her bill to capitol One. she has begun a debt consultation with a company. the issue is I'm evidently and unknowingly an authorized user on her Capitol on account and I did not know it. I called Capitol one and they said she would have to remove me from her account. this was XXXX. Today my ex-wife called capitol one and had me removed as a user on her card. now I'm still showing over 120 days late on that account. I have great credit please help. thank you.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC (CA)

Loan closed in XXXX XXXX. XX/XX/XXXX a new " escrow charge '' appears on statement for {$520.00} from an " escrow analysis ''. Company representative explained that there were additional taxes and fees that were owed from XXXX and XXXX after a review. Does not seem fair that they can charge and additional fee without warning more than 6 months after escrow has closed.
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (UT)

I received an Amex XXXX XXXX. I can check the balance using https : //balance.amexgiftcard.com/account. I tried to use this on XXXX ( using {$1.00} less than the face value of the card ) and the transaction was declined. I have also tried a similar process with XXXX and at XXXX at amounts less than the full face value, but every time it is declined. This is a widespread problem that is rightfully leading people away from Amex gift cards.
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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 Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc (IL)

My issue is with my Blockfi credit card. On my card it states that this card is issued by XXXX  bank pursuant to a license from XXXX. XX/XX/2021 I was issued this card with the promise of 1.5 % cash back. I chose my cash back in XXXX. The credit card did not allow me to transfer my XXXX rewards off of their site stating " No external transfers ''. I have now been informed by the company that I can not access my credit card rewards.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. I began receiving late notices from XXXX XXXX in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking XXXX XXXX and Equifax to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to Equifax, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written XXXX XXXX and Equifax stating that this was not my account, please verify. In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to XXXX XXXX and Equifax in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. XXXX XXXX has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is XXXX XXXX reporting negatively on my credit report, but now this XXXX XXXX is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XXXX XXXX I had got a deposit of XXXX dollars from XXXX XXXX and us bank went into my account and deducted with out my consent and lost the funds with no proof as where the funds are they just stole the money out of my account.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I would love to think that a Company founded by a CEO whose own personal challenges with Credit, would make its money on the backs of people who are on their own credit restoration journey. It is disappointing that after having THREE separate accounts, ( all paid off ), would then report an inaccuracy to my credit report once you have satisfied your debt. He claims to have his company work towards a solution to fix the problem with Credit and credit scoring, yet this company is the reason why so many who believed in his solution are being set up to fail! Furthermore, the inability to communicate with the " Customer Service '' at Self Lender is the absolute reason why I am in the predicament that I am in. I am beside myself that a " late payment '' towards YOUR OWN MONEY can diminish all of your hard work. I am in the process of researching and obtaining an attorney to begin CLASS ACTION LITIGATION and INVESTIGATION in to Self Financial. Thier investors should be ashamed of themselves as should the XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had deposited 2 checks at my Bank of America, Checking account on XX/XX/XXXX. The checks were for {$7000.00} and {$7500.00} drawn on my XXXXXXXX XXXX account. I was informed that the checks are put on hold and will be credited on XX/XX/XXXX. However, I found that XXXXXXXX XXXX had effected the transfer and reduced the balance available on XX/XX/XXXX. I was shocked at this practice and would like to know answers to - ( a ) a decade earlier the same transaction was given credit the next day. Has the inter bank clearing system in USA deteriorated over time that it now takes a week to give credit. This time lag is similar to the one that existed before electronic bank check clearing was introduced. and ( b ) who is enjoying my funds and its interest during this intervening period.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Attorney Information XXXX XXXX XXXX, XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Institution Name : Bank of America , N.A . 
Account/Product Type : Personal Checking Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : United States XXXX XXXX : XXXX Claim Numbers : XXXX ; XXXX ; XXXX Complaint XXXX XXXX, was a victim of fraud and fraudulently induced to transfer money to a fake account, and other fraudulent transfers on XX/XX/XXXX, XXXX She immediately and in good faith submitted all of her documents detailing each charge adding up to {$13000.00} in fraudulent purchases and transfers. 

The Electronic Funds Transfer Act states that XXXX XXXX 's liability should be limited to {$50.00} because she reported the fraud less than 2 days after the occurrence. 

In violation of the XXXX, the Bank refused to pay on her claims of fraud. The Bank is insured for this event. Refusal and failure to reimburse XXXX XXXX for the amounts to bad faith, a breach of fiduciary duty and gross banking malpractice. 

My office has made numerous attempts to contact Bank of America, with signed authorization from XXXX XXXX and have not received any cooperation or acknowledgment Request for Resolution : XXXX XXXX demands reimbursement in full for the {$13000.00} owed to her under her fraud insurance claims. In addition, XXXX XXXX demands reimbursement of her attorney fees in the amount of {$2700.00} Total for claim amount and attorney fees is {$16000.00}
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I lost my phone, and there were unauthorized charges to my account, totaling to {$5500.00}. I called & reported it to Wells Fargo bank as soon as I noticed on XX/XX/XXXX & my claim was denied XX/XX/XXXX. No one ever called me from the claims department during of the investigation & they closed the claim.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CCS Financial Services, Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA Called everyday for 2 weeks hanging up and not speaking. I called them back to stop the calls. They said it will not stop until a debt ( I don't own ) is paid.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX  and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore XXXX Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX-XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Sunlight Financial LLC (NY)

In XXXX of 2021 an installment loan ( {$18000.00} ) was assigned to me for solar panels on a house that I purchased at that time. That loan has been paid up to date and in a timely fashion to XXXX XXXX c/o Sunlight Financial , LLC. Sunlight ran my credit report before transferring that loan but somehow has neglected to report that loan to credit agencies. Since then I've called their customer support several times this year to request that they report loan but that up to this date it has never been reported to credit agencies and they could never explain why -- all I ever get from them is that " it will show up soon ''. Its been more than a year. I have attached the latest statement they provided as proof of account.
Consumer complaint received 2024-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I declared XXXX XXXX bankruptcy in XX/XX/XXXX and it was discharged XX/XX/XXXX. Navient claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$55000.00}, the cost of attending the XXXX XXXX XXXX XXXX was {$35000.00}, I graduated in XXXX and made payments until declaring bankruptcy. The amount owed does not include federal loans also used To pay for attending which total {$12000.00}. Navient has ruined my credit score in reporting that I have not paid them. As the XXXX XXXX XXXX XXXX was one of many for profit schools listed in the Attorneys general lawsuit against Navient for defrauding students through predatory loans and they should have been discharged under bankruptcy and or the Holder rule.
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (VA)

This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since XXXX was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX XXXXXXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO XXXX  AND I ALMOST BECOMING XXXX XXXX
Consumer complaint received 2023-08-09
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. (TX)

15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) This is my formal notice to Transunion before I file in federal court against y'all. 
I never gave you permission to report or add any of this to my consumer report Please remove the following accounts immediately as I will not wait another 30 for a bogus response : Inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX