davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/19 Thurs XXXX got an email saying partial payment rcvd but would be held in suspense account XXXX said there was enough money to apply the payment they can gather up from suspense account and apply to her account XXXX says it probably got applied the same day that they put in suspense and overlap. 

XX/XX/19 Monday XXXX always goes into the branch and take it directly out of her checking account and apply it to loan. 

XXXX says there is a 1 day delay when making it at the branch teller has options on how to apply the payment and they can put it into suspense account he says the teller probably put it into suspense account. Then it was applied to the loan XX/XX/19 Tues it posted Confusing as to why it posted and 2 days later she got an email saying it was applied to suspense No notification went out to XXXX stating that it was all an overlap and the XXXX payment actually posted. 



XXXX said because of the active foreclosure he cant take a payment for XXXX It needs to go through underwriting and do the review process Noted to XXXX that when a big banking institution tells a homeowner that they did not apply the payment and not notifying them of correcting the error, that seems like it could be some sort of Consumer Loan Act violation or deceptive practices. Not that we were filing complaints but that XXXX could. 



Asked XXXX about FHA maybe being able to take a payment to get her but he said no since it was over 90 days delinquent XXXX Customer Care and Recovery Group they would like to speak with XXXX so that she can suggest they put a new process in place letting her know the email was all in error and had actually applied her payment
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

# 1 acct # XXXX {$450.00} # 2 acct # XXXX {$740.00} # 3 acct # XXXX {$400.00} I have disputed these unknown medical collections with letters to the credit bureaus with no response except, verified. 

On XX/XX/XXXX I mailed a direct dispute letter to GLA about a new medical collection, no response? 
So on XX/XX/XXXX I mailed another direct dispute letter to GLA asking for a description of validation on these medical collections that I am entitled to by law, no response? 

Oh yes, and doing much research, the 3 GLA accounts listed above are in violation of the 2015 AG settlement. If medical collections are not updated within 6 months of the present, they are to be deleted. I have attached this also. 

And these 3 collections are past the status update laws!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Consumer complaint received 2020-01-15
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. (NY)

My husband passed away in XXXX, 2019. He had a XXXX  credit card. I was an authorized user. Now XXXX XXXX XXXX has impacted my credit score by reporting that I am late with the payments. I never used the card after his death. My score dropped over 40 points in one month because of this error. Authorized users are not responsible for payment and should not have their credit affected, especially WIDOWS!!!
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

I accidentally sent money to the wrong recipient. I immediately reached out to Chase and they advised me to tell the recipient to reject the transaction. Which the person reached out to their bank and rejected the transaction. They provided paperwork that it was taken out of their account as advised. Chase has closed my claim within days of requesting the transaction yet the person I sent it to has shown me proof that the money was taken out of their account through XXXX XXXX XXXXXXXX. They provided me with a claim number and still my bank will not look into where that money was sent. It has been XXXX days and I am no closer to getting my money back then the day I sent it.
Consumer complaint received 2020-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019, I received a copy of my credit report from Transunion notifying me of negative items on my credit report. On XXXX XXXX, I sent them a letter under FCRA guidelines to properly investigate and delete all unverified items and notify me when such is done. I then received a letter from Transunion on XX/XX/2019 stating that the items were verified. I received no evidence that it was verified with my signature which is required under section 609 and 611 of the FCRA. I sent another letter on XX/XX/2019 to notify them the items have not still been properly verified. I then received another letter on XX/XX/2019 which held the same information that the previous letters contained. They are not operating under the laws of the Fair Credit Reporting Act and it is being shown in their unprofessional investigations.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MS)

I contacted comenity bank to request a credit limit increase on XX/XX/XXXX. I did this submission online in my online account. So I did not get a response, so I called them on this same day and I spoke with a supoosedly supervisor. I explained everything and she said all I can tell you is that they will try to contact you concerning this so be sure to answer the phone. Well I have been thrrough this one time already back in XXXX XXXX with comenity and this Victoria secret card. They did the exact same thing and said the exact same thing and I waited and waited and no one ever called. So on yesterday I received a letter in the mail that says they tried to call me and could not reach me. THIS IS A LIE. No one has tried to call me and I have called all 3 of the credit bureaus to make sure my number is on my credit report because I knew prior to dealing with comenity they would say oh your number is not on the report. So I knew the number was on the reports. When I called morning and had to remain on hold for 35 minutes only to be told I would have to go through verification because this happens alot at comeity. The supervisor was rude and she confused me on one of the verification questions. She told me I would have to call XXXX   to have the fraud alert off my file in order to proceed. She acted like I was a problem and she did not want to deal with it which is very unprofessional because I am a loyal customer. Never late, pay over the amount needed and spend generous amounts of money with these companies. So I did call XXXX, got the fraud alert lifted and sent in a email that XXXX told me to send in stating the alert was lifted along with a confirmation number. So I call back and spoke with XXXX, explained this situation over once again and asked for a supervisot, she comes back to the phone after I am on hold for another 25 minutes to tell me that the supervisor XXXX would not speak to me and he said send in a utility bill to verify who I am.Which I have done but cant seem to get a answer from amyone now. Thats unprofessional as well when he is the supervisor, that is not how you treat loyal customers, if it was not for me having a card they wouldnt have a job, so dont treat people wrong and that is why I am upset.
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (TX)

At XXXX XXXX  on XX/XX/2020 I received a phone call from a lady saying she was from XXXX XXXX. She asked if she could speak to XXXX XXXX and I identified myself as XXXX XXXX. She did not identify the company as a collection which by law they are suppose to. All she stated was they had some papers in their office submitted for final review. I asked what this was in reference to. She stated before she could proceed she had to make sure she was talking to the right person. I identified myself as XXXX XXXX, I will not give out personal and confidential information without knowing what the matter is about. I asked again what this was in reference to and she stated when she verified she had the right person and I stated I identified myself as XXXX XXXX. After she would not tell me what it was in reference to I disconnected the call. Also I have a very serious medical condition and can provide docuimentation to the CFPB if necessary. I have an XXXX  in the XXXX  XXXX and if my XXXX XXXX spikes to a certain point the XXXX  will XXXX  and I am XXXX  in two minutes. Such undue stress as this will cause that. The number the lady was calling from in the phone id data base I have is registered as a XXXX or XXXX  voice number. the number is XXXX.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (TN)

I paid for dental work to XXXX XXXX. It was paid in full at the time of services. 2 years later they say I owe {$300.00} that is fraudulent. I do not owe XXXX XXXX any money.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: U.S. BANCORP (ID)

In XX/XX/2020 I was Declared deceased by U.s. Bank to the IRS twice. The first time was resolved by bank manager in XXXX Idaho in 72 hours. The second time was a week or two later and it took three months to resolve the problem. I would try to find out the reason why like asking proof of my death certificate or social security number and they would deny to talk anymore or hang up. I still never got the reason why I was deceased and am worried that something fishy was being done behind my back in U.S Bank. During this time I had a XXXX XXXX XXXX closed credit cards and could not do any loans because I was dead. This issue has been bothering me for the past few years. This all started when I was the power of attorney for my Aunt that past XXXX XXXX 2020. Things are back to normal but I dont feel right about what happened as a consumer in the bank with no reason to explain to me why, what, when, where with no proof in their hands. was there money in my aunts account that was dissappearing, I dont know. I would like an investigation on the u.s bank in XXXX Idaho.
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX XXXXXXXX Please remove from my report
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

In XXXX I was removed as a customer from Wells Fargo and denied banking services including checking. 

I promptly closed my credit cards with Wellls Fargo at the same time after receving that news. 

Since then, I would recieve empty credit statement from Wells Fargo and I called back to let them know that Wells Fargo was continual sending me empty statements and that to please cancel my card. 

In XX/XX/XXXX Fraud department contacted me via automated text message about a fraudlent charge. The charge was declined properly. I called them within a few hours and requested again that they close my account as I have not been a Wells Fargo member for many years. 

This is unacceptable as it was about 7-8 years since I was no longer a member of Wells Fargo and not a cardholder AND that I had in the previous years, XXXX, XXXX, XXXX I called them because they did not close my account. Refusing to close a credit card is a violation of FDIC membership and a business practice that is unethical. I am reporting this because this practice is unacceptable. 

They did refer me to their Customer Advocate program and gave me case number XXXX ( Please redact ). I was assured that the card was closed and that I would be given written confirmation as well. I actually don't know if they are going to close the account and I have no faith in Well Fargo to actually do this and so I am pre-emptively writing the CFPB of this practice. I don't know why they didn't close the account for so many years but there needs to be something to protect the consumer because an open credit card without the consumer knowing it is open is a inherent financial security risk.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

As of XX/XX/2022, medical and health related debts are no longer allowed to be included on consumer credit reports. I have an unverified outstanding debt with SyncCare/CareCredit on my report as a charge off of more than {$2500.00}, which is having a severe impact on my credit. I have requested both a demand for verification and a deletion of this information from my report, but have yet to hear anything back. I would like to see all medical related debt stricken from all three of my consumer credit reports.
Consumer complaint received 2020-01-15
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: SYNCHRONY FINANCIAL (TX)

Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.
Consumer complaint received 2022-11-12
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. (TX)

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 1681. 

Account name : OFFICE OF THE ATTY GENER # 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 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 1681. 

Account name : OFFICE OF THE ATTY GENER # 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 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (IN)

I have a XXXX checking account w/ American Express National Bank XXXX We contacted them on XX/XX/XXXX to resolve a fraud related issue. 

I was reviewing our XXXX  account transactions, and noticed an XXXX transaction that was not approved ( {$16.00} Audible charge ). We spoke with an AMEX rep that informed us our business debit card had been used to perform the transaction, would temporarily assist us by restricting the card, and ask the Fraud Dept to follow-up with us. We were not informed that our account would be restricted. 

The following day, I received a follow-up call from the fraud dept who left a XXXX with a reference number. I followed up with them on a Friday XX/XX/XXXX, but it was a holiday, so I was informed the fraud Dept was out and to call back on Saturday. I obliged but made it known that no one had ( XXXX ) communicated the hours of operation for the department and ( XXXX ) that our whole account was restricted leaving us in the dark regarding any pending business transactions ( this was not clearly communicated to us by the rep ) I called on Saturday XX/XX/XXXX, was transferred to the Fraud Department again and was informed that whomever was in charge of our issue was not in and we would have to call back during the week. 

This inability of American Express National Bank to appropriately address a common account issue ( i.e. debit card fraud ) is damaging to a small business, especially when it results in the restriction of their WHOLE ACCOUNT.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

My statement was {$75.00} due on XX/XX/22. 

I paid debt in full {$75.00} on XX/XX/22, a full 12 days prior to the date on the statement. 

Comenity bank says that daily interest accrues, but that is an unfair and fraudulent practice because the balance due which would have any accruals/fees is paid on or before the statement due date. 

For a {$2.00} interest charge, they harassed me by phone call and messages, taking repeated hits against my credit score, adding late fees and interest each month when there was no balance left to pay. I " took care '' of it with them on XX/XX/22 by allowing them to debit my account {$2.00} and absolving any other charges.