davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 This account is showing inaccurate on my credit profile
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I MADE A INTERNATIONAL MONEY TRANSFER IN XX/XX/2022 USING MY BANK ACCOUNT WITH BANK OF AMERICA, THIS TRANSFER WAS MADE TO XXXX XXXX  IN DOLLAR TO BE PAID TO A 3RD PARTY IN DOLLARS IN XXXX, THEY NEVER SEND THE MONEY, BOFA SAID THEY PAID TO XXXX XXXX  SINCE NEXT DAY OF THE TRANSACTION BUT XXXX XXXX  NEVER MADE THE DEPOSIT IN THE OTHER BANK IN XXXX. 
I DID 3 CLAIMS BEFORE AN ALWAYS RECEIVE THE SAME ANSWER, BOFA PAID BUT XXXX XXXX  NOT ANSWER, NOT PAY AND NOT REFUND THE MONEY.. 
I DID TRY TO CONTACT XXXX XXXX  BUT THEY REFUSE TO GIVE ME INFORMATION BECAUSE I'M NOT YOUR CUSTOMER. MORE THAN A YEAR AND MY MONEY IS LOST {$9800.00} DOLLARS.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Location Specialists (PA)

A collections company picked up the debt or was retained?? Not sure XX/XX/28, they ( collections company ) contacted my father and step mother regarding an alleged pay day loan taken out in Florida, where ach checks bounced, I currently live in PA, said they were filing in my current county XXXX I spoke with them ( collections company ) personally, they said they would garnish wages without asking me to court, are contacting my employer tomorrow ( XXXX ) to start garnishing wages
Consumer complaint received 2021-12-24
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. (PA)

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never XXXX XXXX
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (OK)

In XXXX I was excited to buy a used car from Car Mart I bought a used XXXX XXXXXXXX XXXX First week car ran fine after the first 35 day 's I went out of town where vehicle almost killed my entire family. For no reason the gas pedal quit working while 9n a highway Infront of a speeding semi and I had to run off the road to save us. When I tried to pull back off car would only do ten miles a hour which we had to pull over again. I was stuck there on the side of the highway for over a hour and car ran fine again. I immediately took it too the shop and said they would take care of it. First week ran by they lost the car keys claimed I had them second week I was told it wasn't ready mind you I am still making my payment on time 3 months I paid I got to drive it for 35 day 's finally get the car back all is great then it did it again I called and told them and instead of asking questions about when can they repair it I was a day late on a payment because why would I pay for a car that could harm us. I called and they said it be another 2 weeks for it to get to the shop so I immediately took the car too em they threatened it be a voluntary repossession I said whatever keeps my family alive and gave em the keys. They resold the car too some poor soul and still put past due and repo on my credit and when I tried to dispute it went right back on my credit mind you it's not on all 3 it's on one and still no one wants to hear me so this is my next step. Yes I do feel when you owe you should pay but also if the vehicle is dangerous how dare they put it 9n my credit if they had the car more then I did? Lemon law is only 30 days but for a XXXX XXXX XXXX grandma I don't go out of town unless it's family events so to worry if the car gon na kill us why do I not have any rights to return it and not loose my XXXX credit score now due to them selling a death car I lost XXXX points of my credit score and that's just XXXX and wrong
Consumer complaint received 2020-03-02
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: DISCOVER BANK (SC)

I had my Discover credit card stolen during holiday season. The first charges beginning on XXXX XXXX  of XXXX. During a 2 week span over 3,000 dollars was taken off of the card. Once I received notification that some charges were suspicious, I went online ( after having to reset my password because I could not login ) and froze my card and reported it lost/stolen. I was unde the assumption that once I report the card loss/stolen the company would reach out to me. After a couple of days of not hearing from them, I chatted with customer service which told me I needed to call fraud protection. I called and reported what happened and later agreed to signing a form to consent to investigation and to contact the police. I signed the form sent it in. I spoke with the police they said that due to the holidays and the crowds it would be difficult to track down the exact person and it would take time. Fast forward to XX/XX/XXXX I received a letter saying there wasnt any fraudulent activity. I spoke with a lady on the investigation team is saying it has to b someone close to me and is pushing me to press charges even after I told her there is no one that admitted to doing anything. She is saying that that is the only way that I would avoid having to pay the card back. Theyre not wanting understand my case because of the amount. I dont know who did this to me and I may never know but I dont want to be held responsible for something I did not do! Please help!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account. I firmly believe that this limitation was a result of a mistake, as I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any PayPal policy, knowingly or unknowingly. I have been a loyal and responsible PayPal user for a significant period of time, and I have always conducted my transactions in a transparent and ethical manner. I have never engaged in any fraudulent activities or any actions that could be considered a breach of PayPal 's terms of service. 

Given the circumstances, I kindly request PayPal to thoroughly re-investigate my case and consider restoring my account, if deemed appropriate. I genuinely believe that this limitation was imposed on my account by error, and I trust that a closer examination of my account activity will affirm my innocence. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could keep me updated on the progress of this re-investigation and provide me with any relevant information or documentation that may assist in resolving this matter. 

I sincerely hope that PayPal will recognize the misunderstanding that led to this limitation and take the necessary steps to rectify the situation promptly. Restoring my account would not only reinstate my faith in PayPal as a reliable platform but also allow me to resume my normal financial activities without any further disruption. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Consumer complaint received 2023-06-13
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. (TN)

XXXX XXXX XXXX, all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with Covid funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I made a deposit of investment from medical group in California. Not even 24 hours from the deposit I get a notice of account closing and didnt receive my funding. Saying the account number was a fraud. When I called to get details of my account. They always say call back.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT MY ADDRESS
Consumer complaint received 2023-02-14
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX XXXX  I mailed a certified letter to Experian disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update and submitted a XXXX dispute letter of my personal information and public record as I had learned Experian had lawsuit for incorrectly reporting residential information. Their report had XXXX addresses, XXXX social security numbers and XXXX name variations which I requested to be deleted. I also requested proof of verification of the public record/bankruptcy they were reporting for me. 
On XXXX XXXX XXXX  I received an email that my dispute was complete. They failed to provide any proof or documentation of the disputed items and simply attached " verified '' to the disputed items. 
On XXXX XXXX XXXX  I called and started a new dispute into the personal information including the XXXX addresses, name variations, phone numbers and social security numbers. I was advised the addresses with no credit account associated would be deleted in 24-72 hours and I asked to dispute the public record again with proof they verified with the Indiana XXXX XXXX 
Several hours later I received an email that the dispute was completed and they did not verify anything! In fact, they changed all of the disputed addresses to my current address but they remained attached to the address ID from the disputed addresses and never contacted the Indiana court to verify anything! 
I advised that I was affected by the XXXX data breach and it did not matter at all. After XXXX disputes, they continue to report unverified inaccurate information.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I was notified that If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. I had a joint checking and savings account with my ex-husband. The names on the account were XXXX and XXXX XXXX
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (GA)

The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX We received a letter stating that if we payed XXXX that would pay off my truck. 

I was making payments on it and also keeping in contact with them. 

Then we received another letter XXXX XXXX stating that if we payed XXXX it would be payed off. 

when I talked to someone about this they thought the car was not in my possession. 

when I spoke to them and brought up the situation from XXXX they told me that all my payments have been collecting interest and I still owe XXXX So they told me all my payments from the time I purchased this truck have not been going towards my truck. If that's the case where have all my money been going. 

this is not correct at all.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WV)

Called credit card company to address late fees in XX/XX/2022, after again receiving another fee for {$41.00}. In the last couple billing cycles, they have charged me fees, but I have sent payment in advance, and I confirmed with my bank, XXXX XXXX XXXX  since I use their Bill Pay service. This credit card, XXXX XXXX, XXXX XXXX, Comenity Bank does not enable electronic bill pay with my bank, so I send payment via check anywhere from 10-14 days in advance. My bank verified when it was sent, and when the credit card company cashes it. I explained this to the credit card customer service and they agreed to return the fees. I received my latest statement and they do show the credit while charging the fees right back to my card ( XXXX ) while adding another late fee of XXXX dollars. 
I need help as this company will not do anything else as they say they do not control when checks are received and they claim they can take longer to process at their discretion. 
I dont see how that is within the cardholder agreement or even legal. They also lied to me about returning the fees, while charging them back. Please advise and help me.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IA)

I tried applying for a credit card On XXXX and XXXX of XX/XX/2020 in Citibank and XXXX XXXX and got denied yet I dont have any debt or a bad credit history. In fact this is my first time applying for a credit card.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I traded my XXXX for an Explorer. XXXX bank gave incorrect payout information to XXXX XXXX for the XXXX, then expected me to pay the $ XXXX that they made the mistake on. I refused because it was their mistake. I stated that I would just do a reversal and take my XXXX back. They ( XXXX ) drug their feet and attempted accepted no blame for their CLEAR mistake. XXXX XXXX ended up eating the $ XXXX mistake they made and I kept the XXXX. That was NOT my fault there for not a late payment on my part. This needs to be removed from my credit report immediately.
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Been a member with Wells Fargo bank ( checking and saving accounts ) since XXXX- presently. I'm following up regarding the {$2.00} billion class action lawsuit. I have not received the {$100.00} repayment. Please let me know regarding this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee. 

Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In the morning of XXXX, I received XXXX emails from Bank of America. 

The first stated I applied for a Advantage Safebalance checking account and was being processed XXXX, the account was approved with the account number listed. 

Lastly, online and mobile banking was approved and set up. 

I did not apply or open this account. It was fraudulently opened in my name. 

I contacted the Bank of America XXXX department whom immediately closed this account, put a flag out and fraudulent alert.