davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have a credit card with Bank America, and discovered at the end of 2019 that for every one payment I scheduled to have taken out of my checking account automatically, TWO were being taken out. This had been happening for many months, unnoticed by me unfortunately, causing checking account overdraft fees some months. I called Bank of America, and they could not understand why two payments were coming out. They said they would do what they could on their end to stop the double payments. Well the next month, I saw 2 identical payments to Bank of America were coming out again. I called them back and they again said they would stop. It continued again the next month. I went to my bank for help ( XXXX ) to stop the double payments from coming out. I asked XXXX to only allow Bank of America to take out ONE auto payment a month. XXXX then stopped all auto payments to Bank of America, so I told Bank of America I would only be writing/mailing them checks since neither bank can get this right ; NO more auto payments. You would think that would have solved the problem, but it has not! Bank of America is cashing my checks I mail on time, yet I receive notices from them and phone calls from them saying I am behind and not making payments! They are also charging fees to the credit card account, and worst of all they are hurting my credit! I am so irritated and furious, and feel helpless. I email Bank of America, I call, and they just blow me off. I am a person who pays bills on time, and has worked hard to get my credit to a good score over the years, enjoying the low 700 range. Now since this Bank of America fiasco it is a low 600! I of course have all of the proof I need to show that I am making payments even though my statements from Bank of America say I am not, and they continue to assess late and no payment fees.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NC)

On Friday, XX/XX/XXXX, an online payment was made from my Wells Fargo checking account to a Wells Fargo credit card. Instead of making the minimum payment as intended, the full credit card balance was paid. This error was noticed within minutes, as my checking account was almost totally depleted. We called Wells Fargo immediately, and were told no action could be taken until the payment posted to the credit card account on Monday, XX/XX/XXXX. WF said a representative would call us on Monday to confirm a payment reversal. I received no such call. I called WF on Monday, XX/XX/XXXX and explained the situation. We were informed that the error would be corrected in one business day, and that the cash would be back in my checking account on Tuesday, XX/XX/XXXX. This did not occur. On Wednesday, XX/XX/XXXX I spoke to at least four WF representatives, including XXXX XXXX, XXXX XXXX ( who hung up on me after transferring my call at XXXX XXXX ET on XX/XX/18 ), and XXXX XXXX ( Case Analyst Manager in the Executive Office in XXXX, AZ ). All informed me that my case could be " escalated '' and " investigated, '' but none could explain where my money is or when I could expect it back in my checking account. I repeatedly explained the dire financial circumstances lack of access to these funds ( approx {$2700.00} ) was creating for my family, and yet no one could explain where the money was or place the funds back in my account. I was repeatedly told that the representatives, " understood my frustration, '' and that the " one business day was correct, '' with no acknowledgement of their error or the bind in which I have been placed due to the lack of appearance of funds in my account. I was told by XXXX XXXX that WF " corrects errors '' and as a policy does not compensate customers for errors made by the company. XXXX XXXX 's supervisor is XXXX XXXX, who is a Case Manager II in XXXX, AZ, but I was told she does not accept phone calls from customers.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (VA)

This compliant relates to the CFPB Case XXXX. Truist Bank sent a letter to me regarding the original compliant and the actions they took. The letter stated " We refunded the fee and sent you a {$50.00} check on XX/XX/ ''. The letter was from XXXX XXXX, Client Resolution Specialist in the Consumer Regulatory & Executive Services Team. XXXX also said in that letter that I should call them at XXXX if I had any questions. 
I have never received the {$50.00} check. I called the number on 5 different occasions. No one has been able to tell me where this {$50.00} went or to connect me with XXXX. On one call, XXXX told me the {$50.00} was not mailed but rather put in a new XXXX XXXX account because it related to an IRA. I called them and that did not happen. The money appears to have disappeared. My concern is the incompetence of the people answering the phone, writing letters which are completely inaccurate, and basically lacking integrity. Are there no controls in place at Truist? Do they not train people answering the phone? Are they always dishonest in letters they send? 
I moved my money because they closed my account without my permission and just issued a check. Their explanation was a processing error. Wow and they have access to customers ' information.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

In accordance with the Fair Credit Reporting Act Discover Bank # XXXX has violated my rights. 

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 an account without my written instructions.

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 any purpose.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial (OK)

I had a loan with West Creek ( now called Koalafi ) before without issues. My second loan, they reported two late payments on my credit report. I paid off the FULL BALANCE of XXXX  XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with Koalafi directly have been unsuccessful. 
Ive reported to the XXXX and Koalafi advises that theyll reach out to me directly or I can reach out to them directly. 
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (FL)

Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.
Consumer complaint received 2021-03-08
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: AMERICAN EXPRESS COMPANY (NC)

AMEX XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-04-01
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TRUIST FINANCIAL CORPORATION (NY)

Please refer to your XXXX. This account is for a XXXX car lease through Hann Financial Service from XXXX XXXX. 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have two children in college, and this is continuing to hurt my credit with all three credit agencies. 

PLEASE NOTE : This was already resolved and removed from all credit reports 2-3 years ago. It is suddenly reappearing. It should not be!
Consumer complaint received 2018-09-20
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: BMO Bank, N.A. (WI)

I have a credit inquiry from BMO Harris Bank on XX/XX/2018 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (GA)

In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2019-10-03
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. (NY)

I have disputed a collection account ( XXXX XXXX ) on my credit file with Transunion and XXXX telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.
Consumer complaint received 2018-12-23
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. (AZ)

The following accounts and credit inquiries listed on my ExperianXXXX XXXX  and XXXX XXXX credit report are fraudulent, unauthorized, not mine, and is the result of the XXXX XXXX XXXX breach discovered on XX/XX/2018 : Credit Inquiries : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018, XXXX XXXXXXXX XXXX  XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00}, XX/XX/2018, XXXXXXXX XXXX XXXX, {$7500.00}, XX/XX/2018.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MS)

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by 1st Progress/Synovus Bank XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX These late payments have adversely affected my XXXX XXXX and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to [ Credit Reporting Agency Name ], and therefore, the inclusion of these late payments in my credit report is a violation of this provision.

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that XXXX, XXXX, and XXXX promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

This complaint is regarding XXXX. In XX/XX/XXXX, I observed several discrepancies regarding payment counts on my student loans. The payment count is very important, since I am doing the PSLF loan forgiveness program, which requires a total count of 120 payments. There are several discrepancies including : ( 1 ) I believe that the total count overall is too low, ( 2 ) the count for subsidized vs unsubsidized loans differs even though both are paid at the time time via direct deposit, and ( 3 ) I was apparently put into Paid-Ahead status against my will and XXXX is now claiming that those payments do not count, despite my asking that Paid-Ahead status be removed and my payments be recounted. 

In XX/XX/XXXX, I formally requested a formal Payment Recount through XXXX XXXX. By XX/XX/XXXX, that recount had still not been completed. I sent a request in XX/XX/XXXX again asking that the recount be performed. In XXXX of XXXX, I received the following message from XXXX,  stating that they are " not yet able '' to provide me with the total number of qualifying payments. 

Transcript is below : -- -- - " Thank you for contacting XXXX   XXXX! 


We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. 


We will notify you via letter once the review has been completed. 


Please use the " Contact Us '' link through your online account at XXXX  to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). 



Sincerely, XXXX XXXX XXXX >> Original Message ... 

>> Message : Hello, >> >> >> I formally requested a recount of my PSLF payments back in XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received that recount. Of note, the main concern is that I was put into Paid Ahead Status, and that it was not my INTENT to be in Paid Ahead Status, and this has thrown off my payment counts. 
>> >> >> Could you kindly respond and let me know when I can expect to have my PSLF payment recount completed? 
>> >> >> Many thanks, >> ''
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica (CA)

I AM A VICTIM OF AN IDENTITY THEFT, WHICH CLEARLY TRANSLATES THAT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE FINANCIAL INSTITUTION DID NOT VARIFY THE ACCURACY OF THE DOCUMENTATION AND NOW I AM A VCITIM AND CAN NOT OPEN ANY BANK ACCOUNTS.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, XXXX and Transmission and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization XXXX score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.