davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY ()

On XXXX XX/XX/2020, I made a transaction of XXXX on my Amercian Express Card. 
Due to Covid, the airline changed flight at short notice which was not acceptable as the destination city was in lockdown. 

On the XXXX XX/XX/2020, XXXX XXXX ( The Merchant ) agreed to refund me the total amount of XXXX and this was confirmed in the Final Determination set out by the Aviation Dispute Resolution on the XXXX XX/XX/2020. 

I have still not received any refund despite my filing a dispute with American Express and filing a XXXX Claim. 

I have provided sufficient documentation but still Amercian Express have failed to give me a due refund.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I called and spoked with a BOA representative, by the name of XXXX and requested she conduct 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX 2. {$1500.00} transferred to XXXX credit card and XXXX. {$1700.00} transferred to XXXX credit card XXXX. The funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. For reasons unbeknown to me, XXXX issued a convenience check to XXXX Credit Card rather than a wire transfer like the others. According to BOA, the transfer was endorsed and deposited to XXXX XXXX on XX/XX/XXXX. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and speculate that the check may have been intercepted. Please see copy of endorsed check. BOA and CFPB continue to report that XXXX received the funds and that the matter is closed. This information is incorrect. Please see enclosed XXXX Credit Card statements from XXXX and XX/XX/XXXX. 

I have yet to reach a resolution on this matter. Please see enclosed chain of effects.
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

I received an email stating my loan payments would be starting again, and I noticed I was being charged during this time for interest, which was not supposed to be happening until XX/XX/2022. I have attached my email chain with Nelnet and my current loan details.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I do not understand the CFPB 's process. I have explained in great detail what transpired, and have supporting monthly credit card statements that prove that Wells Fargo is fraudulently charging interest to my visa card each and every month. I have previously responded to your agency regarding the Wells Fargo statement that they deny my allegation. I believe this may be the third time that I have submitted a response indicating that they continue to deceive your agency and for some reason you appear to believe them. It is my understanding that the sole function of CFPB is to protect us consumers against the illegal predatory practices of mega corporations '. Congressman XXXX 's office told me that your agency has little to no desire to go after the mega banks. Maybe the CFPB lacks the authority and resources to do so. If this is true, then your agency should refer this matter to the FBI or Secret Service. I am continuing to accumulate Well Fargo monthly statements that will vividly support my allegations. It's your move ; please do something to help me prove that what Wells Fargo is doing to me and maybe millions of their other customers is fraud and illegal. Thank-you, XXXX XXXX XXXX XXXX XXXX Veteran and Senior Citizen
Consumer complaint received 2021-11-18
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: AES/PHEAA (DC)

On XXXX XXXX I received a letter in the mail from Fedloan Servicing and US Department of a education stating I owe a balance of XXXX according to 15 USC 8 the obligation or other security of the United States includes all bonds, certificates, of indebtedness, national bank currency , federal reserve notes, federal reserve bank notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (CA)

My name is XXXX XXXX. I have been a loyal Netspend customer up until XXXX/XXXX/2019 when my account was closed. I have been very happy with Netspend in the past, and have not had any issues until recently, someone hacked into my account and stole {$1500.00} from me. Upon talking to several representatives as well as supervisors via telephone regarding this issue I have had an absolutely horrible experience. Finally now, I am told that " they didn't find any fraud on my account ''. SO WHERE IS MY MONEY? I have had a terrible time getting a hold of someone, and have not had any of my questions answered regarding this matter. As a result of these events, I have now decided to close my account because I personally do not feel like I am being supported by the employees of Netspend. I currently have over {$12000.00} left in my account and have been struggling to find out when I will get my money. I was told that my money would be refunded to me via Cashiers Check, that it would be mailed to me within 7-10 business days. It has now been 7-10 business days, and now after calling to find out the status, I am told that " my check was never processed ''. What is going on? So now I have had {$1500.00} stolen from account, and am told that there has been no wrong doing, and to top it off now, every penny I have is being kept from me. 

My Reference Number for the claim with Netspend is XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MO)

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company. This complaint is to address the erroneous reporting on my Credit Report. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that AMERICOLLECT ( Original Creditor : XXXX MISSOURI XXXX XXXX ) was being reported on my credit reported negative on XXXX, XXXX, and XXXX. I have disputed the fraudulent information from my credit report and sent a letter dated XX/XX/XXXX. I have no idea how the theft took place. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the creditor but they failed to give me any results or feedbacks about this concern. This incorrect reporting is causing my Credit Scores to drop. These are the accounts that are needed to be removed from my Credit Report : AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$1700.00} XXXX XXXXXXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Consumer complaint received 2018-07-06
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 (CA)

On XX/XX/XXXX I called bank of America and was told they could only refund 1 overdraft fee. In the past if I wanted any of the fees refunded they would comply.
Consumer complaint received 2017-06-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

I have contacted not only the debt collection agency, but the original creditor. I paid  XXXX  payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof.  XXXX  at  XXXX   XXXX  informed me they do not see  XXXX  accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on  XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.
Consumer complaint received 2022-12-16
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. (CA)

This is so XXXX & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the XXXX did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of XXXX XXXX XXXX any actual damages sustained by the consumer as a result of the failure; and XXXX XXXX XXXX in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Balance : XXXX  Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SET Financial Corporation (SC)

According to the FCRA, all information on my credit report must be accurate, complete and verifiable. I believe the reporting of discharge off is in accurate and incomplete, for the following reasons charge is considered as income on the IRS rules a charge of may be considered income for tax purposes when the creditor writes off the debt and issues a form 1099C for the forgiving amount. This implies that the debt has been forgiven and should not continue to Impact my credit report negatively reporting this charge off without indicating that he has been forgiven, creates an incomplete and misleading picture of my credit worthiness. Section 611 of the FCRA, I am requested verification of accuracy of this charge off. Please provide documentation that confirms the legitimacy and accuracy of discharge off, including any form 1099-C issued by the creditor. If you are unable to verify the accuracy, incompleteness of this information, the charge off must be promptly deleted from my credit report.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

Deposited a check for XXXX on XX/XX/XXXX and was told funds were not available for XXXX days. I accepted that as fair. Then they decided they would hold funds for an additional 8 days stating they would verify the signatures. The bank the check was drawn on gave Wells Fargo the XXXX on XX/XX/XXXX, but Wells Fargo is still not releasing the funds to us until XX/XX/XXXX. Is is fraud. They are keeping my money and using my funds. They also are charging me multiple nsf fees since my account has gone overdrawn.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I sent a large amount of money from XXXX, a crytpo exchange to CoinBase, another crypto exchange. Roughly {$27000.00}. This was done on XX/XX/21. This was going to be used for me and my family as we are having a XXXX  child and my wife is quitting work. 

I sent this in the form of XXXX, and somehow I accidentally clicked to send it as XXXX ( XXXXXXXX XXXX XXXX  ) as opposed to XXXX, a common XXXX  that coinbase uses. So I had {$27000.00} in XXXX sent to my CoinBase XXXX XXXX. CoinBase does not " support '' XXXX. So my funds are currently inaccessible, even though they are sitting in a wallet controlled by coinbase. 

I have filed many support tickets about this and they simply give me these automated responses saying " make sure you check that we support the crpyto that you are sending ''. They in fact do not support XXXX, but the reality is that both XXXX and XXXX are XXXX XXXX tokens, and they CAN reverse the transaction. They hold the keys to the wallet that my {$27000.00} of XXXX is sitting in, NOT me. 

If you have the keys to a wallet with an XXXX token in it ( both XXXX and XXXX ) are XXXX tokens, then you CAN reverse this transaction. Many other exchanges do this for their customers, often for a fee, which would be fine with me. They are simply unwilling to do this. Maybe because the scale of their company that they get so many requests like this that it is not worth their time? I am not sure. But they have {$27000.00} of mine and are refusing to return it or even attempt to support me in anyway. I have done many searches on the internet about this and there are many people in the same situation as me. 

I believe coinbase has an obligation to their customers offer a service to reverse these unsupported crypto transactions. People make simple mistakes misclick a currency all the time, and to just expect that these people need to accept the lose of 5+ figure transactions is not OK. The fact is they CAN assist with this, they just won't for whatever reason. They must be sitting on millions and millions of " unsupported cryptos '' which they have the power to reverse. 

Please support me in this endeavor. I doubt my message alone will be enough to give them the kick in the XXXX they need, but I hope that with enough pressure they will realize they need to take action on this matter. 

Here is the wallet address that my {$27000.00} is sitting in : XXXX Here is the transaction hash : XXXX Please consider supporting me in anyway that you can, I have spoken to many in the same boat. This is not right, it's not ethical and probably not legal. 

Thank you! 
XXXX
Consumer complaint received 2022-03-25
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MI)

The company placed a collection on my credit report. I have disputed this debt several times through the credit bureau as not mine and asking for validation. In response, the company submitted a standard note agreement that could have been completed by anyone. The note agreement was missing the following : - Signature page with a wet signature - Copy of the ID of the person signing the note agreement - Original creditor contact information I believe this to be a violation of Regulation F, FDCPA, and FCRA guidelines as they have provided no information to confirm I owe this debt or that I originated this debt conclusively.
Consumer complaint received 2022-03-25
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. (MD)

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Close : XXXX XXXX Balance : {$150.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXXX/XX/XXXXDate of inquiry XX/XX/2021