davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (GA)

US Bank is currently reporting an unvalidated debt through a collection agency XXXX XXXX XXXX. I have reached out to US BANK and they do not have a record of the debt. I have contacted XXXX XXXX XXXX asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can US BANK or XXXX XXXX XXXX validate its grounding for payment.
Consumer complaint received 2024-05-19
Product: Credit reporting 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)

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and NOT accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts " XXXX XXXX XXXX ; XXXX XXXX XXXX ; " XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; " XXXX XXXX  XXXX  XXXX ; " XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; " XXXX XXXX ; are not complete and accurate. 

And XXXX more thing according to 15 USC 1681-s 2 A person shall NOT furnish information relating to a consumer or to any consumer reporting agency if the person knows reasonable cause to believe the information is inaccurate.

Check the comments attached.
Consumer complaint received 2023-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (FL)

My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXXXXXX XXXX, & trying to get into a XXXX XXXX home as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I initiated two on-line ACH transfers in the amount of {$7000.00} each with my Citibank Checking account. There were two ACH transfers in the amount of {$7000.00} on XXXX XXXX, and {$7000.00} on XXXX XXXX from my XXXX XXXX account to my Citibank checking account. However only {$7000.00} ACH electronic deposit showed up in my Citibank checking account. 

For more details, please refer to the bank statements from XXXX XXXX and Citibank. From the XXXX XXXX monthly statement, there was a debit of {$7000.00} on XX/XX/XXXX, and another debit of {$7000.00} on XX/XX/XXXX to Citibank. However the Citibank monthly statement only reflects {$7000.00} on XX/XX/XXXX. So I am missing {$7000.00} with my ACH electronic transfer. I have since contacted and escalated numerous times to both Citibank and XXXX XXXX about the ACH electronic transfer problem, but this problem has not been resolved. 

I appreciate if you could kindly resolve this ACH electronic transfer problem between Citibank and XXXX XXXX.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2020 I began the process of refinancing my home loan from Wells Fargo. During this process my loan originator noted that there was a {$1000.00} discrepency between what Wells Fargo had reported to the credit agencies and the amount they gave when asked for a payoff demand. I called Wells Fargo to report this discrepency and an investigation was opened. It has been over 45 days and they have not responded to my request. I just spoke to a supervisor today and was informed that several people had looked at my account but they have not figured out why the discrepency exist. I asked why no one from Wells Fargo has contacted me regarding this matter and she said she did not know.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (LA)

Kay Jeweler XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I have opened a checking bank account in Wells Fargo bank on XX/XX/2022, and later on I deposited a check through online banking on XX/XX/2022, immediately after I had done the deposit, they sent me an email that my account will be closed by XX/XX/2022 and another email that my check will be on hold. 
I contacted their customer service, they said that they have no information, and advised me to call loss prevention team on XXXX, I called them, they told me to take the physical check and try to deposit it in the branch, I went to the branch and ask them to deposit the check, they said we cant do it as the account is in transitional close status, then the branchs banker advised me to go and deposit it in another bank account. Since I dont have another bank account, I encash it from currency exchange, after few days, the currency exchange called me and said that the check was returned for double presentment as its already presented by Wells Fargo and asked me to return the money, I returned them the money. 
By XX/XX/XXXX, Wells Fargo credited the check amount in my account then on XX/XX/XXXX they withdrew the check amount as well as the remaining amount in my account and closed the account. 
After few days, I received through mail from Wells Fargo a cashier check of the remaining amount in my account which is XXXX, but I havent received the check amount of XXXX, when I called them to inquire about the check fund, they said that they have no information, the only amount released to me they can see in the system is the XXXX so I went to the branch again, the banker said that they can see that the check amount was withdrawn by Wells Fargo as per the statement of account but doesnt know where it has been gone and advised me to call loss prevention team again, I called the loss prevention team in the presence of the banker then both talked to each other and agreed that the payer has to stop the check payment from their side then Wells Fargo will release the money back to the payers bank then the payer can issue me another check. 
I contacted the payer who issued me the check and asked them to stop the payment as advised by Wells Fargo representatives ; they told me that they cant stop the payment as the check amount was already debited from their account. 
I would like to complain about Wells Fargo bank because they hold my check fund of XXXX without any reasonable right, and ask them to return it to me as soon as possible.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit (TX)

I contacted XXXX  XXXX in XXXX about the account they were attempting to collect and requested verification of the amount allegedly owed by way of billing statements and a show of how they got the to amount they claim. At the beginning of the year they claimed I owed {$9000.00} and have now increased that amount to {$9300.00}. From what I've read it is illegal for a collection agency to add interest and fees to a debt in the state of Texas and is a violation of state and federal debt collection practices.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (CA)

There is a hard inquiry from XXXX XXXX  / XXXX on XX/XX/2019 that was not authorized. I wrote to comenity and was advised they would be removing the inquiry as it was in error. Equifax refuses to investigate and remove the inaccurate information.
Consumer complaint received 2022-11-06
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)

I have written letters to Experian on three different occasions requesting a personal information update. They have refused to update my address. 

Last night I disputed the information online with an attached supporting statement and they have refused to update, instead completing the investigation with no changes.

This presents two problems : 1 ) Any preapproved credit offers will be mailed to strangers who might open accounts in my name. Experian does not help protect consumers from identity theft. 

2 ) Legitimate bills/accounts are sent to wrong address causing credit reporting and privacy issues. I am only reachable at one address.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA froze all my accounts on XX/XX/22 without any notice to me. I called several times, but no one could ( or would ) tell me why or give me any information. The only thing they told me is that my account was under review, and the review could only take 3 business days. I was told that the review would terminate and I would have account access on Friday, XX/XX/XXXX. 

Friday came and went, and I still have no account access. I am unable to access my money or pay bills, many of which were due on the 1st of the month when they blocked my accounts. 

I called USAA again, and was told that yes, the accounts should have been released. The rep initiated a request to release my funds, but indicated that would take ANOTHER 3 business days! So now Im looking at more than a week without access to my own money. 

I am desperate need of answers and money, but unfortunately, I have neither.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NJ)

Description of complaint : - On XX/XX/XXXX, an order was placed with XXXX  for a leather backpack for the price of {$270.00} The merchandise was paid using XXXX to allow for XXXX equal payments of " buy now, pay later ''. 
- The expected delivery date was between XX/XX/XXXX and XX/XX/XXXX. 
- After XX/XX/XXXX, several attempts were made to contact the vendor directly via email, XXXX XXXX, and lnstagram direct message to follow up with my order with no response. 
- Raised a dispute with XXXX on XX/XX/2024 with all supporting information. 
- Several back and forth emails with XXXX advising there is no communication from the seller and requesting for a refund is being denied until a response from the seller takes place. 
- XXXX states they can not issue the refund unless the merchant Issues the refund. 
- If XXXX is using my credit card / debit card for payment, as the consumer, I should be subjected the same protections I would have when I use my payment cards directly with the retailer. 
- All request for refund being Ignored by XXXX at this point.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to withdraw {$1000.00} from my account. The ATM did not dispense the funds to me, but my account was debited for the full amount. Returned to the B of A branch where it happened ( they are also the issuer ) and upon learning that it was an EDD card they coldly referred me to the number on the bank of the card ; the guy in the suit treated me like I was something he peeled off the bottom of his shoe. After calling several times, and being disconnected after waiting on hold for exactly an hour each time, I did manage to get someone to direct me to a supervisor, who seemed to disconnect the call beforeI could explain the issue and didn't call back. They have a rep verify all your info and transfer you, but nobody ever answers your call. I returned to the branch at XXXX XXXX XXXX XXXX XXXX XXXX and asked to speak to the branch manager or someone with compassion that would actually help me navigate the process and get some help. I was refused. I told them I would be waiting for the manager outside, and proceeded to picket with a large sign for 5 hours. Not one of the employees was willing to even engage with me, they would rather have me share my negative experience in front of their place of business. What arrogance? And how can they be allowed by the government to victimize people like this with absolutely zero recourse?
Consumer complaint received 2020-08-12
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. (FL)

Experian has refused to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. Accounts XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX XXXX  XXXX Experian falsely claims that I did not authorize my own complaint even though I provided all required information including last XXXX digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit. Please have Experian comply with the credit reporting law.
Consumer complaint received 2020-06-19
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: AMERICAN EXPRESS COMPANY (TX)

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Consumer complaint received 2022-11-06
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: Spring Oaks Capital, LLC (TN)

RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Drivers License Bank Account Info Pay Stubs Tax Info Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : Consumer Finance Protection Bureau
Consumer complaint received 2020-09-29
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. (MA)

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXXyears. This  error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Consumer complaint received 2022-11-06
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: CURO Intermediate Holdings (MS)

Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, AD ASTRA RECOVERY SERVICES INC, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good morning I am coming to you regarding the injustice in Bank of America 's card interest charging policy. 

I paid in full the amount owed on one of my credit cards on XX/XX/2024 before the closing date XX/XX/2024 to avoid being charged interest and thus be able to get out of debt, and my surprise is that On the statement they charged me {$100.00} interest charge. 



I called the bank to complain and they informed me that the charge is correct and that I should have called to be told the exact amount I had to pay so that they would not charge me interest. It is absurd since one informs oneself of the amount and pays electronically. 



This policy goes against the consumer who is trying to be financially solvent and will harm the consumer 's family and financial stability. 



I am grateful to consider my claim that thousands of people and families are going through the same situation as me feeling that there is no way to get out of debt.