davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/ I deposited XXXX check into my Wells Fargo checking account. I was given a small portion of the check upfront and was told the rest would be available the next day. The check was a available the next day, then the money disappeared from my account. After panicking I called Wells Fargo and was told the money will be held for a week and the reason I was given was previous overdrafts on my account. This caused me great harm not being able to show proof of funds for a home and ultimately loosing the bid as well being late with a bill. Wells Fargo was sued because of these practices I believe I should be compensated.
Consumer complaint received 2022-12-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

On XX/XX/2019 I disputed a collections on my credit report online to XXXX, XXXX XXXX, and XXXX  with Portfolio Recovery Associates, LLC listed in the amount of $XXXX. On XX/XX/2019 the dispute was returned without change from the XXXX, XXXX, and XXXX XXXX. On XX/XX/2019 I contacted Portfolio Recovery Associates, LLC directly requesting a dispute and further information to verify this account. On XX/XX/2019 I received a letter from Portfolio Recovery Associates with an invoice attached from XXXX XXXX XXXX (XXXX) XXXX. I have no records matching this account. On XX/XX/2019 I telephoned Portfolio Recovery, Associates, LLC and spoke to "XXXX XXXX." I requested further information such as signatures, dates, purchase dates, etc. She declined this inquiry.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MD)

I recently opened a Citi Priority online checking account since their website advertised unlimited USD domestic wire transfers. However I've spent the past two weeks trying to send out a single wire transfer of XXXX to XXXX XXXX  and my wire transfer keeps getting cancelled even though I am constantly calling Citibank to make sure it gets submitted. 

I get an email asking me to call in to give additional information, so I call the number given and the customer support agent says to wait and that there is no more required information. I receive no more communication until the next day I get an email saying my wire transfer was cancelled. 

It is wrong of Citi to advertise unlimited USD wire transfers yet when I contact them constantly over the past two weeks to get a single wire transfer sent out it always gets cancelled. My wire transfer has been cancelled 4 times already
Consumer complaint received 2023-01-14
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2016-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Multiple instances of merchants conducting unauthorized billing against my Bank of America bank account. Reported claim to Bank of America. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Bank of America should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims.
Consumer complaint received 2023-01-20
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. (WV)

The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX XXXX  Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX  Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX  XXXX  Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation
Consumer complaint received 2022-10-14
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paycheck Solutions llc (TX)

Paycheck solutions sent a letter to my HR department of my workplace saying that they want them to garnish my paycheck for the amount I owe them. I dont appreciate them doing this. Its embarrassing and its getting people involved that dont need to be involved in my personal affairs.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.
Consumer complaint received 2023-01-15
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: BARCLAYS BANK DELAWARE (CA)

On XXXX/XXXX/XXXX, a hard inquiry came up on the credit report, which I dont recognize. Date was XX/XX/2022, from Barclays Bank Delaware. I called the XXXX number and they couldnt help me out. I discussed that I never opened a credit card and that someone was using my information. They suggested I get in touch with my credit bureau.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I requested a credit report on XX/XX/XXXX. 

The XXXX credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The Equifax credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over 2 years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and Transunion said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with Transunion and XXXX, but I have not heard anything. I've been trying to call XXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!
Consumer complaint received 2023-06-13
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: Global Lending Services LLC (MD)

Late payments from Global Lending XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 495 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

NOTE FOR CFPB : Please reopen this complaint since the company refused to answer last time because my wife was not the account holder ( see XXXX ). 
COMPLAINT : I am writing to complain because I was wrongfully charged for a hotel reservation made through Amex XXXX that I canceled within the cancellation period but was not processed appropriately and in a timely manner by AMEX XXXXXXXX XXXX XXXX AmEx  ). On XX/XX/22 I booked a reservation at the cost of XXXX} via XXXX that could be canceled for a full refund before XX/XX/22 XXXXXXXX XXXX  On this day, I called AmEx XXXX XXXXXXXX XXXX  to confirm if my booking was eligible for a promotion called " XXXX Hotel Credit '' and explicitly told the agent that if this was not the case, I wanted to cancel. This was a simple, straightforward issue yet the first agent we spoke to ( a woman ) was so unhelpful and mean-spirited that she unnecessarily caused delays in answering this simple question for over XXXX minutes, and ultimately maliciously transferred my call away from the XXXX group, which in turn led to more delays and the next agent had to transfer my call back to the XXXX group ( which I correctly called initially ). This series of mistakes made by the agents, especially the first XXXX, pushed the reservation past the cancellation deadline by mere minutes, through no fault of my own. 
There are at least XXXX independent reasons why a response of anything less than a full refund by AmEx is inappropriate : ( 1 ) AmEx was a gatekeeper and booking agent, who had sole power to answer whether the statement credit applied. I called AmEx before the cancellation deadline with sufficient time to clarify my question and cancel, which AmEx squandered. Therefore, AmEx undeniably bears the responsibility here. ( 2 ) AmExs delay was due to AmEx customer support ineffectiveness. There were clear problems with the staff ( a ) understanding my issue, ( b ) demonstrating empathy and the sense of customer service excellence I expect from Amex, ( c ) understanding the special urgency here, and ( d ) responding to the issue in a timely manner. Worse, there was no supervisor available when asked, meaning that AmEx failed to have any contingency in place to address those predictable problems with XXXX XXXX ( apparently ) XXXX  support. ( 3 ) The third and final customer support representative clearly, on the recorded line, responded in a way that reassured me that AmEx would compensate or reverse any charges because I called prior to the reservation cutoff. 
Despite multiple attempts to resolve this directly with XXXX XXXX at AmEx Service Excellence, she shirked responsibility for this issue and refused to provide a full refund. To add insult to injury, she originally offered a XXXX statement credit, but I only received XXXX Finally, I repeatedly requested a call from the XXXX XXXX team to discuss canceling my XXXX card and that request also went unanswered.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vl Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Under 15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX Opened on XX/XX/year>.
Consumer complaint received 2022-10-04
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. (MA)

My dispute with Experian was submitted on XX/XX/XXXX and I received two separate emails from Experian on XX/XX/XXXX. Initially, there was one received at XXXX XXXX, followed by the second at XXXX XXXX. The first contains disputed results, while the second contains information titled, " Important information. '' ( copies attached below ) After logging into my Experian account, I noticed that all information regarding XXXX XXXX had been removed and XXXX XXXX had been added. It would be helpful if this account could be removed. 

Despite the fact that the address had also been removed, Experian removed all information from XXXX XXXX. 

The same day, XX/XX/XXXX, Experian sent me an email with Report Number XXXX indicating that the reinvestigation of the dispute you recently submitted has been completed. However, the results indicated that : Your dispute results are not currently available online. 

This is yet another instance of Experian violating my rights in order to save its own skin by violating someone else 's rights. Their report deletes the XXXX information, and reenters it with false information in the " Status, '' but does not include the account under dispute. 
To inquire about how they " verified '' this account without providing any proof, bearing my signature on this alleged debt, I would like Experian to send me details regarding how they verified this account.
Consumer complaint received 2022-10-04
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. (OH)

15 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NC)

I have a loan with Mohela and requested a manual general hardship forbearance that I uploaded to the site in my account on XX/XX/year> and it was approved XX/XX/year>. They still have not applied it to my loan that is in repayment. and I have called 5-6 times and they have resubmitted it for adjustment and no one can seem to help with this. This is absurd that no one there is competent and I keep getting a bill that I can't currently pay especially when I have been approved for forbearance and they just can not figure out how to apply it. I do have two loans. One is a parent plus loan and this XXXX  is still XXXX XXXXXXXX. I did not apply for the forbearance for this loan as it is currently deferred. The forbearance application, which was approved as you can see under my documents, clearly states it is for the loan in repayment.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2023 The website has been restricting my access because I have not received my replacement card for verification of the CVV number before logging in. After logging in from a computer because of the issue, the computer login at the website has given me an error message saying that I can not access the payment function of my account to add a new bank account. I was told that there was some type of " systematic change '' which was made to the account saying I could not make any changes to my own credit card account for XXXX hours and my payment is due today. The person at the customer service line asked me to give my new bank account information over the phone and when I told them I can't do that, I have to login and update it over the computer only and that the only time I can do that is now, not later in the day or XXXX hours from now they argued. They wanted me to give out my bank account information or be charged a late fee and have my account posted to my credit report as a late payment. The customer service representative and their manager both did the same thing. They asked me to login at a certain time of the day to make my payment rather than using the service now. They also did not give any options at all or any options for the payment to be mailed, etc.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A person named XXXX XXXX signed up for a Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not know this person and am calling Bank of America now. I have received other mail in the past with this person 's name with my address listed and have marked Return To Sender and left them in the mail box.