davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made several transactions with the merchant XXXX to purchase virtual currency. I had 2 of my bank accounts linked to my account with XXXX. On XX/XX/XXXX & XXXX, I unlinked my Bank of America account with XXXX as I wanted XXXX XXXX  to charge my XXXX XXXX account. XXXX  even sent me text messages asking me to confirm that these transactions on XX/XX/XXXX & XXXX are to be charged to my XXXX XXXX account ending in XXXX. I confirmed the transactions and then I check my Bank of America account and I noticed that XXXX charged my Bank of america account instead of my XXXX XXXX account. So I filed a dispute claim with Bank of America on XX/XX/XXXX claim # XXXX and I also sent documents to Bank of America showing that these transactions were supposed to be charged to my XXXX XXXX account and that I didn't authorize the merchant to charge my Bank of America account. So Bank of America issued me a temporary credit in the amount of {$400.00}. Then on XX/XX/XXXX I receive communication from Bank of America stating that after conducting their investigation they have concluded that I did authorize the merchant to charge my Bank of America account and that the credit that BofA issued me for {$400.00} will be reversed on XX/XX/XXXX. BofA said that they will send me documents to show how they resolved my claim, but never did. They have also reversed the temporary credit that they issued me.I have been trying to contact XXXX  since XX/XX/XXXX but no reply back that is why I filed a dispute claim with BofA. I did not authorize the merchant XXXX  to charge my BofA account and want to be reissued a permanent credit of {$400.00} and another {$2000.00} for any transactions that I made on my BofA account that were returned and penalties that resulted because my account was negative.
Consumer complaint received 2021-08-24
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: General Motors Financial Company, Inc. (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ID)

Initiated a transfer of {$420.00} out of Venmo on XX/XX/11 to be deposited into a personal account. The company is refusing to release funds and won't tell me why. They keep giving me a general copy and paste answer and no additional information.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC (CA)

My vehicle was repossessed by the current loan provider for less than two payments. Now it seems that I will not be able to make all the fees incurred. The company says they have tried to work with me but send a repo guy late at night in the cover of darkness. Also they sent me a letter today saying that they are going to sell my truck by the XX/XX/2021. This was XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I've been in touch with Wells Fargo to work on eliminating my PMI ( ~ $ XXXX ). I was directed by Wells Fargo ( Phone : XXXX ext XXXX ) that I could submit my documentation in request to remove my PMI on XX/XX/21. On XX/XX/21, I submitted my documentation and spoke to a Wells Fargo Loan agent ( at the number listed above ), and was directed to mail my forms, submit my check and await further direction. I am requesting to utilize the option to " Cancel PMI using new property value '' as provided by Well Fargo. 
On XX/XX/21, I called Wells Fargo back to check on my status. The agent I spoke to told me that due to delays with the US Post Office, they have not received my information. The agent also told me that I should just keep an eye out for Wells Fargo to deposit my check and await for ~2 weeks after the check is deposited before someone will reach out to me. -- this process sounds unreasonable because at that point, I would have waited a full month, and in turn paid a month of PMI, in which I should have been qualified to remove. This is an unfair business practice, as I have already submitted all required documentation, provided all of the information necessary and was even quoted a property value by Wells Fargo, to ensure that my property qualifies for the PMI removal. 
Based on the data that I have, and the responses from Wells Fargo, I feel that they are lying/cheating me and probably many other customers out of paying extra for PMI which should be removed from my mortgage. I asked the Agent how long do I need to wait, and if she could give me an estimate or commit to a reasonable timeline, and she said she could not. The response I received from the Wells Fargo agent was " we can not do anything until we deposit your check ''. -- this response tells me that I as the consumer, and incurring costs because of the shortcomings of Wells Fargo. In theory, if Wells Fargo chose not to deposit my check, I would be forced to continue paying my PMI each month until they choose to cash my check. OR, more plausible, they are forcing me to refinance my loan so I would need to pay more money, in order to remove PMI, which I am lawfully owed through this existing process. -- This has all the elements of a scam.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX  : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Consumer complaint received 2021-11-16
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Tried to cancel membership due to the fact that I have no products with the company. All I wanted was a quote and they are saying I have a " lifetime '' membership! Can't cancel my information from their system. Tried multiple times and get put on hold for hours.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

XX/XX/2022 Per the FCRA, as a federally protected consumer, I am opting out of any and all authorizations, I the consumer may have given you, written you, not written you, verbally, non-verbally. Per 15 USC Code 6802. I am rescinding effective immediately and indefinitely.

15 U.S. Code 6802 Obligations with respect to disclosures or personal information ( a ) Notice requirements ( b ) Opt out ( c ) Limits on reuse of information ( d ) Limitations on the sharing of account number information for marketing purposesA financial ( e ) General exceptions I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all hard inquiries per 15 USC Code 1681 in which they have not.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting at consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all student loans information per the Family Educational Act of 1974,20 U.S. Code 1232g - Family educational and privacy rights in which they have not. 

Family Educational Rights and Privacy Act ( XXXX ) : The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

I have asked them to removed inquiries in which they refused.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

CITIBANK occupied my money unreasonable almost 1 year, and not plan back to me. 
Request : Return back all my money ASAP, Already occupied almost 1 year, and contribute me lost a lot. Stop Discrimination against XXXX XXXX XXXX XXXX XXXX Was told will return in 60 days, but a long time still not return, after many time try they told will not return. 
I have a citibank account, citi closed last year, and told will return my money back after 60 days, but not return to me a long time, we we called customer support and visited the branch office many times, even branch confirmed the money belong to me, but they still refuse return to me, just because I am XXXX XXXX XXXX XXXX XXXX 
have over $ XXXX from my another bank to citibank, citi refuse back to us. 
have over $ XXXX XXXX XXXX XXXX citibank refuse back to me, I run a XXXX XXXX, and have state license and city registered since 2018, has all government required documents. In USA most 1099 TAX form worker and schedule c sole proprietorship business under personal name do business use person name, why a XXXX  women been discrimination against and can't. why occupied all my money. 
I visited branch, the teller try help us call customer a few time, each time over 40 mins, still can't resolve this problem, I call customer support by myself, they only answer account closed and nothing and refuse find a translator.
Consumer complaint received 2020-02-14
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On  XXXX   XXXX ,  2017  I submitted letters to   XXXX   requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.       XXXX   addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Consumer complaint received 2017-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX & XX/XX/XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX pulled my credit report without my knowledge or authorization. I sent them a letter to request a copy of such application and proof of why/where/whom pulled this report. I also asked that they delete such inquiries. They responded without proof, without a copy of such online application and refuse to delete inquiries. I don't know who they are, they are somewhat local to me which is highly concerning that they are using my information to pull credit inquiries. I wish they to be investigated, I wish my 2 inquiries to be deleted and I would like such proof of whom applied for credit with my information. 


Many thanks for whatever you can do!! 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MN)

Was notified of possible fraudulent charge on my XXXX on XX/XX/2021. Called Barclays immediately to let them know of the fraud. Spent XXXX hours on hold, but the person filed a case and told me they would remove the charges and file with the fraud department. a month and a half later I received a letter from Barclays that 1 of the charges was being charged back to me because the investigation showed it was legitimate charge. I tried to contact Barclay card for a week and spent over 6 hours on hold trying to get through to them to let them know it was a fraudulent charge and was not legitimate. Without success I contacted the office of the president at Barclays and received a response back from them. When I talked with them they gave me a phone number of XXXX XXXX XXXX to contact them about the charge. I called XXXX and they were helpful with information about the order, even gave me an address where the product was shipped to somewhere in North Dakota. I contacted the office of the president at Barclays again and they told me there is nothing they can do. I was suppose to have a zero liability fraud protection with my XXXX!! I don't know what to do now!!! XXXX says they can't do anything and Barclays tells me to contact XXXX.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COOLEY ENTERPRISES INC (TX)

Clay Cooley, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Cancelled Debts states that a charge off is considered a certificate of indebtedness, which means it is income that can not be reported to consumer reports ( IRS Publications XXXX ). Disputed debts states if the consumer notifies the debt collector within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt ( FDCPA, 15 U.S.C. 1692 ( g ) ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, or knowingly without a permissible purpose shall be liable to the consumer reported agency for actual damages, sustained by the consumer reported agency or {$1000.00} which ever is greater ( FDCPA, 15 U.S.C. 1681 ( n ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with SANTANDER CONSUMER USA by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. SANTANDER CONSUMER USA XXXX. Date Opened XX/XX/XXXX. Original Balance {$10000.00}. Balance {$0.00}. Closed.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I upgraded to 1st class on an XXXX XXXX flight by taking out a credit card thru Citi Bank. It had two rewards : 1st XXXX $ per ticket XXXX $ in my case since there were two tickets, 2nd if you spend XXXX $ during the first three months and additional XXXX of miles on your American Advantage account I spend the XXXX. I got neither because I had the card before and closed the account within the last 24 months. Citi Bank denied both rewards ... I paid my balance minus the XXXX $ and will not pay because they owe the reward to me. I did not know about their policy, nor was it on any page on the internet. I called them and they informed me that I did not qualify because I had an account previously.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

On  XXXX   XXXX ,    2017  I submitted letters to Experian requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.     Experian addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (PA)

I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .