davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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: DISCOVER BANK (NY)

I tried to set up automatic payments with XXXX XXXX  but their system was down. I XXXX  XXXX XXXX and missed a payment because I thought I had set it up but didn't. I paid the payment straight away and reported the problem of their system being down but they said they wouldn't fix it. I have screen shots attached to this that show the system being down at the time.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NY)

You can take a look at the updated photos. There is evidence to prove that the bank defrauded my deposit. It took me several months to complain several times. Finally, I got a reply from the bank. The content of the first photo said that because the amount of the check payer was insufficient, so The cheque was returned. In the second photo, you can clearly see that the bank returned the money to the bank. The name of the bank is XXXX XXXX. Lets look at the cheque deposit slip in the third photo. It is obvious that it is an XXXX state cheque. This confirms the bank fraud. The hard-earned money of the people Before I also have and many portion of their complaints and requirements bank tell me return check number, so simple can prove is the wrong a number are unable to provide also to deceive I, several relevant departments also together asylum bank of violations , if I'm not against the own to look for bank record, this thing so deep buried down, I can't imagine such things will happen in great country
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/2021, Without my permission, Wells Fargo and XXXX linked my WF Rewards program to my XXXX account. I never asked for this nor would ever want to link the two.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

Since XX/XX/XXXX until now I have been making bi-weekly payments of XXXX towards the principal amount of my federal student loan. Per COVID federal forbearance no interest was to occur during this time. From XX/XX/XXXX until XX/XX/XXXX all payments went to interest and zero went to principal. Since XX/XX/XXXX payments made are randomly applied to interest or principal. I have called them on XX/XX/XXXX and XXXX to credit my principal as no interest was to accrue during this time. The first person said it was because payments came from my checking. The second time after over an hour they said my loan requires payment to interest even if no interest occurs regardless of the federal forbearance. After an hour I was suppose to be transferred to a supervisor which instead they hung up on me.They are refusing to fix my loan amount and apply payments to principal. I request that you look into this immediately as I am sure I am not the only one being scammed.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TN)

I've done a few transactions via transferwise. Second transfer a few months back Wise unfairly held my money and put me through hoops to get it back. This included vigorous identity verifications, horrible customer support and long waiting times. Nothing has been solved yet and my money is still on hold from this mafia.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (TX)

I have sent address update/remove to the credit bureaus five different times. Experian, XXXX, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address Experian, XXXX, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Consumer complaint received 2021-11-11
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. (PA)

XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America drafted {$370.00} from my checking account and placed it in a negative status. I had {$610.00} in my account to cover my insurance, credit card payment, and XXXX XXXX payments. I woke up to - {$310.00} ( negative ) in my account. So my 3 transactions came out of my account PLUS an additional {$370.00} DEBIT that no one at Bank Of America could answer.

They kept stating I filed a claim, I called today reporting is as fraud but no one would assist. After 2 HOURS, they advised me since my husband is on my account, he has his own INDIVIDUAL PERSONAL account and was negative for almost 3 months. So they took it upon themselves to draft funds from my checking account, and NOW PLACE MY ACCOUNT IN A NEGATIVE STATUS. First his account was negative, and pulled funds from my account as these payments were drafting, and placed my account in a negative status to make his account " current. '' How does this work? How do they shift the negative status from one account to another? 

They have financially impacted me, stated I have to " take responsibility '' for my husband 's personal account status, and did not care that my account is negative {$310.00} and now can not pay my bills. I am now facing 4 {$35.00} overdraft fees they can not assist with. 

someone from corporate called me to " apologize '' for the situation I am going through, but only called to apologize and not take action. I need to pay bills, and medicine that they don't care about. I am now negative - {$450.00} after fees should they go through ( wont know until 1-2 days ). 

How do I pay for my XXXX medicine? How do I pay for a follow up visit that I need to see my doctor for a previous XXXX I've had? How do I put gas for the next 2 weeks before I get paid again? How do I buy groceries? It was my husband 's debt on his PERSONAL account, and they never notified me these funds were coming out. I CAN NOT believe they just care about the money and could not make payment arrangements with me by phone today.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 an account without my written instructions
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was charged a {$35.00} overdraft fee on XX/XX/XXXX even though my account was positive {$45.00} dollars. Bank of America deliberately waited to process certain charges so that my account can temporary be negative and then charge me an overdraft fee, thus putting me into an even bigger debt hole. Bank of America has done this exact processing action MULTIPLE times, and it is even confirmed online by doing a simple XXXX search.
Consumer complaint received 2022-03-28
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (GA)

An apparent law firm contacted my ex husband 's wife. She forwarded the message to me. I called the XXXX number and spoke with a rep who told me I owed Wachovia bank some money from an account in 2009. I do not recall having a bank account at that time. They told me to pay or dispute it in court. 
Did a little digging and saw many red flags that say this is a scam. XXXX XXXX XXXX XXXX, XXXX, CA XXXX {$1200.00} is the amount they are trying to collect.This debt does not appear on my credit report.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I filed for unemployment Over a year ago with the help of my ex girlfriend..well I didn't know she received the card and didn't tell me anything about it..So all along I had known I was approved and was waiting for my card qnd never received it.I had gotten a couple of side jobs for a couple months and had stopped filing for my unemployment buy when I tried again to find something out about my card and money from unemployment benefits I was locked out of my account and had to go to bank multiple times to verify my identity and submitted a claim for the money and card I never received and was denied on my claim..if bank of america correctly investigated my claim they would clearly see It was not me using my card I never received. But instead I was denied..I 'm very upset that they did nothing to help me and did a poor investigation on my claim ..I 'm hoping their is something I can do since this is so wrong that this has happend to me and the bank has done nothing to help me.thanks so much!
Consumer complaint received 2019-08-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (CA)

I called Moneylion to close the accounts opened with them in XX/XX/2019. I still received emails even after closing my account talking about my open accounts, to which I sent a note to customer service on XX/XX/19re-iterating to close my account. I was told that the emails were different from the accounts, and to unsubscribe to those as well, which I did on XX/XX/19. 

On XX/XX/2019, I received another email from Moneylion stating changes to account fees, even though my accounts are closed and I'm unsubscribed. I emailed support again, and received no response. I follow-up on XX/XX/2019, and received an automated email stating my support ticket was closed. 

I am extremely concerned that MoneyLion is not closing accounts, and not adhering to the CAN-SPAM act.
Consumer complaint received 2019-08-06
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. (NY)

Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX  opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (FL)

Re : AVANT Credit Card. I made a small deposit on XX/XX/ of {$11.00} by debit card. My balance was {$6.00} at the time. I called on Sunday XX/XX/2024 at approximately XXXX EST to inquire because the funds had not posted. The CSR told me that my deposit had been used to cover {$13.00} in interest. I asked why would interest be taken from my deposit when my monthly payment was not due yet. She couldnt answer the question. I was very upset and closed my account immediately!
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.