davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

XX/XX/XXXX : I sent 2 payments to XXXX XXXX in the XXXX ( transaction XXXX of {$2800.00} and transaction XXXX of {$1000.00} ) XX/XX/XXXX : XXXX sent me an email asking for information about my recipients, including XXXX XXXX. I replied, providing them with all of the requested details. 

XX/XX/XXXX : XXXX sent me another email advising me that there was a 'technical problem processing my transaction ' and that they were working with their partner to resolve this. 

XX/XX/XXXX : XXXX XXXX advised me that the payments had still not reached her account. I emailed XXXX help and got an automated reponse. 

XX/XX/XXXX - XX/XX/XXXX : I called XXXX Customer Service multiple times asking for more information on when the issue would be resolved and what steps I could take to escalate my problem. I asked for, but received no callbacks. There is no escalation, resolution or formal complaints procedure available through the XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX : daily calls to XXXX Customer Service, messages through XXXX XXXX XXXXXXXX ) result in no more information. The standard response is 'We apologize for the problem, our technical team is working on the issue. ' The only other information I received was that XXXX is unable to refund my transactions as 'our partner in the XXXX XXXX XXXX can not determine whether the money has been deposited into their account. ' I was also told there are a number ( XXXX was mentioned ) of other customers in the same situation. 

As a start up, these funds are used to pay my supplier. They are vital to my ability to continue providing services to my customers. Without clarity on when the issue will be resolved or even what the next steps are, I am not confident that XXXX will return my missing funds. There is a lack of communication, explanation or proactive customer service that is adding to my frustration and stress.
Consumer complaint received 2024-04-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (GA)

Realtime Solutions and XXXX XXXX XXXX XXXX XXXX XXXX have started foreclosure proceedings for a loan from XXXX in XXXX XXXX XXXX on a property I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/2024 I received a deposit of {$50000.00} directly from my attorneys trust account as part of my awarded settlement from a lawsuit I won due to neglect and wrongful death of my mother the next day my account was frozen and I call every day to request info and Im refused answers or help and then hung up on
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (NY)

Someone has gotten a hold of my password on credit karma and made over XXXX inquiries on that and other websites which lowered my credit score to below XXXX and now a XXXX credit score without my permission nor permission to use my credit karma app. to inquire about a car loan, loans, or to apply for some services which lowered my credit score from what it once was XXXX. 

Also, I am having trouble unfreezing my credit report perhaps on XXXX because I do not have access to my old XXXX email addresses. 

My updated information is : Home address XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX Mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX Telephone : XXXX XXXX Email address : XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo had a XXXX payment sent out of my account resulting in {$1800.00} leaving my account in XXXX of 2022, I contacted them to assist me with the fraud case and they told me they would help me out, they closed out the account and marked it as confirmed fraud, but never returned the money back into my account.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (NE)

My Father had a XXXX in XXXX of XXXX and had limited mobility after that. He had been using a bookkeeper for most of his items and they were discontinuing servicing in XXXX. We had spoken to Bank of the West in XXXX as to what was necessary to get me added to my father 's Personal and Business accounts and they said a large amount of paperwork need filled out. I live approximately XXXX miles away, but would visit frequently and needed to do some banking chores. My father filled out paperwork and had them send the paperwork to the Bank of the West on XXXX and XXXX for my signatures ( I am unsure of the dates and the bank has no documentation of any of this according to the branch in XXXX, I was not provided a copy after signing in the branch ). I signed all paperwork at the teller window at the branch in XXXX for them to get the process finished. Upon recent visits to Colorado in XXXX and XXXX, I was told there was no record of the documentation that was worked on at XXXX branches and they would need paperwork filled out again. My father was on his death bed literally and passed away while I was there on XX/XX/XXXX, so filling out paperwork again was not an option. I inquired to have them look again for this paperwork and was told it still could not be found and even if it was there was nothing they could due after his death. This was all supposed to be handled while living many months earlier, sensitive documents with account information and signatures just disappeared. They immediately closed his accounts when I let them know of his passing even though I was durable power of attorney and told them I had written checks ( they immediately took away online access too, but told me I could still make deposits ). They were horrible to deal with and I had to use my own funds at my own bank to try to keep his business and home running due to complete negligence by Bank of the West. Heck, probably got fees for returned items too there, but can't tell because they took away all access even though I should have been on the accounts long before to make this process less stressful and easier to handle. Thanks to Bank of the West, I have numerous disconnect notices and late fees/charges from utilities and the like causing great anxiety over their improper handling of documents...
Consumer complaint received 2021-09-20
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: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2016.
Consumer complaint received 2023-08-02
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (PA)

I am asking for experian to remove all accounts on behalf and also {$1000.00} for each violation on my credit report! I was denied a mortgage due to late payments being published on my behalf and also the inaccuracies on my credit report! Experian is furnishing late payments and also accounts that are fradulent! I did not give written consent by law it is illegal! Also XXXX is a debt collector that has no factual info of me opening this account! Experian continues to violate my consumer rights! Also they have several addresses I asked for them to remove that they did not remove.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (UT)

Ive been receiving offers from citi for a couple of weeks now through mail, email, and platforms like XXXX XXXX. I we by through XXXX XXXX after seeing there offer of XXXX XXXX for 24 months. I applied and was approved for XXXX limit I was then prompted to fill out account number and amount to the creditors and as I was filling it out the page refreshed I was then prompted to login but after logging in the balance transfer option has not been allowing me to request the transfer. It prompts me to call customer service. The first time I called they told me to wait a couple days and it would be fixed but no, the issue persisted, I then called a 2nd time and was told the rep can take this information over the phone but I could not give the card details since I thought she would fix this for me- I told her Id call back once I was better prepared, I called a third time and was told that I had to wait for my card to arrive, again I called and they told me this can on my be done online 14 days after opening the acct. no one has been able to help me and I feel like I was tricked to signing up for this promotion and now I can not take advantage of the promotion. Time is ticking and I have a certain amount of time to submit the balance transfer request before Im not able to no more. The chat feature hasnt been any help either. Please help me. I just want to take advantage of the promotion.
Consumer complaint received 2023-02-02
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. (TX)

. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.
Consumer complaint received 2023-02-02
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)

As I was trying to purchase a home I noticed the were accounts that was reporting delinquent and this not true. In the past these same companies XXXX XXXX XXXX and XXXX Bank ; XXXX XXXX ) had to correct their accounting and billing for the same mistake. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is invasion on my report and a defamation to my character. I take my credit very serious so these late payment should be corrected as current immediately. According to, 15 U.S. Code 1666 the creditor should make appropriate corrections in the account of the obligor and correct their billing immediately so I can proceed with buying a house.
Consumer complaint received 2023-02-02
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. (NV)

On XX/XX/2023, I sent a letter to all three credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all three credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau experian, XXXX, and XXXX to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from third-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all three bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Experian Information Solutions Inc. (CA)

EXPERIAN charged my checking account. UNAUTHORIZED CHARGE. 
Transaction Details for Row XXXX XX/XX/23 PURCHASE Experian* Cr XXXX XXXX XXXX {$24.00} OVERDRAWN ACCOUNT Activity Summary Current posted balanceOpens a dialog Minus- {$3.00} Pending withdrawals/debits Minus- {$27.00} Pending deposits/credits {$0.00} Available balance Minus- {$31.00} I had to cancel my card and reorder a new one due to the fraud. 
XXXX XXXX is investigating.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Company tried forcing me to use XXXX savings accounts in an attempt to slander & defame my character via denying my application by failing to identify me by forcing me to " unfreeze my reports ''
Consumer complaint received 2021-09-19
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-02-10
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. (NJ)

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 : XXXX, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX XXXX  Last four digit of the account # XXXX, opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act KOHLS/CAPONE XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IL)

Hi! 
State Collection Service , Inc at XXXX XXXX  XXXX, XXXX, WI. XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as past due balance. I don't know or owe this company. I have never had any dealings with this company. I've noticed a decrease in my credit score. OnXX/XX/2021 and XX/XX/2021 something was put on my credit from this company, that I don't owe ... which caused my credit score to decrease.
Consumer complaint received 2023-06-22
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. (FL)

XXXX  indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. XXXX  continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to XXXX 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS