davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MS)

In my opinion Wells Fargo is deliberately holding transaction to cause me to overdraft. Transactions pend for too long. My ending balance be positive but I still end up getting an overdraft charge. I called twice and informed to customer service Rep I could afford the overdraft charges and it's very expensive. 

XX/XX/21 Authorized Pro Lock for {$55.00} XX/XX/21 ending daily balanced is XXXX XX/XX/21 ending daily balance is {$0.00} XX/XX/21 overdraft charge of {$35.00} for the {$55.00} transaction ( Received a partial reversal of {$17.00} ) XX/XX/21 Ending balanced is {$390.00} XX/XX/21 Posted credit card payment of {$30.00} XX/XX/21 Ending daily balance is {$360.00} XX/XX/21 Overdraft charge of {$35.00} for the {$30.00} Transaction XX/XX/21 Ending balance is {$5.00} XX/XX/21 Posted transaction XXXX XXXX for {$5.00} XX/XX/21 Overdraft charge of {$35.00} for the transaction of {$5.00} ( Received a partial reversal of {$8.00} ) XX/XX/21 Ending daily balance {$5.00} XXXX Deposit of {$290.00} XX/XX/21 Authorized transaction for XXXX XX/XX/21 Ending balance {$4.00} XX/XX/21 Overdraft Charge of {$35.00} for the XXXX transaction. ( Received a partial reversal of {$8.00} )
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a new 360 checking account with Capital One. I attempted to connect my account to XXXX to withdraw some investments I made earlier in the year. Capital One is blocking my ability to do so and are refusing to allow me to connect the account to XXXX. I have a second checking account that they allowed me to connect and two debit cards. I told them that I wanted to withdraw my funds into this account they said they don't allow crypto currency accounts to connect with Capital One. Today 's date is XX/XX/2018. I already have a capital one checking account connected and two capital one debit cards, so if this was true than the other ones would not work. They are refusing to help in this matter. It's my right to have access to my financials by any means I see fit. I pay my taxes. My investments can be tracked as they were all done through capital one. I deposited money into XXXX and have withdrawn into capital one several times. XXXX offers tax documents for the end of year. This is ridiculous that I can not with my money back into capital one where i have done so many times before. I have broken now laws and am being denied access to my financials!
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

During refinancing my house, multiple companys have pulled my credit score and equifax score does not report out. Contacted equifax regarding the issue and multiple times and they could not figure out why my score is not getting reported out. They stated they can see my score and credit history but when trying to create a equifax account it gives an error message of NH and states to contact equifax directly. 

After contacting them 5 times they have not cleared up the issue and said they would have to send it to another department and should hear back within 14 days. I have asked for another contact number and they stated there is no other number and I just have to wait for them to contact me. This is going on 3 months and I still havent heard back and the issue is still there.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dates/amounts XX/XX/2018 - amounts {$2400.00} XXXX Transfer, {$510.00} XXXX, {$510.00} XXXX Total charged {$3500.00} This was a purchase for a camera. After contacting someone to purchase their camera, a XXXX XXXX, I was told to send the money via XXXX since his XXXX hit the max transaction amount. I transferred the {$2500.00} via XXXX and another {$1000.00} via XXXX. I trusted the XXXX service since it was available to do through the Bank of America mobile app. After about one week, I had still not received the camera so I contacted my bank and filed a claim. Claim was rejected, and they told me that the money that was transferred went to another Bank Of America account, but could not give me details on the account holder so I could file a police report. 

I have attached photos dealing with the conversation we had below. The number turned out to be a burner, and his names were false.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (KY)

I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (CA)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX For XXXX : XXXX XXXX off Account without an issuance of a 1099C.

Requesting a 1099C on the accounts listed below. This is a follow-up to the letter I received about the charge-off accounts listed below That I never received a 1099C ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX || XXXX
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I sold my home secured by a mortgage held by freedom mortgage corporation on XXXX XX/XX/2021. I let two weeks go by and then started inquiring on my escrow refund of {$4400.00}. On XXXX XXXX, a full month after selling my home I called freedom mortgage and informed them that I had yet to receive the refund check. I was told that I would have to wait another four weeks before they could issue a stop check and re-issue a refund check. I finally received my escrow refund today XXXX XXXX, 2021. To have to wait over a full month for an escrow refund is unacceptable in my opinion. Additionally there was no sense of urgency On the part of the freedom mortgage customer service representatives. This has been a wholly unsatisfying experience and I believe freedom mortgage should be held accountable and not be allowed to treat consumers this way. Thank you, XXXX XXXX
Consumer complaint received 2021-07-09
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. (NV)

I have received a copy of my credit report and found alleged items that I do not recognize and therefore must be deleted. Pursuant to FCRA 623, I am demanding their removal. I have listed the referred to items below. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].

Thank you.
Consumer complaint received 2023-02-07
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. (NY)

I have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there was 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them TransUnion times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 120 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2019-03-07
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: ID Analytics, Inc. (NV)

XXXX XXXX, a supposed " credit reporting agency '' now being used by MANY real lenders, even though XXXX is providing FALSE information, and EXTREMELY LOW credit scores on me and THOUSANDS of other people, that do NOT follow FICO guidelines and they are most often than not, inaccurate reasoning as well! There are complaints everywhere including XXXX, XXXX, XXXX and others. XXXX is NOT one of the three major credit reporting agencies and are NOT providing a legitimate " FICO '' score, yet companies are using them to deny credit or only offer much higher interest rates which is unfair and against the law. I was denied credit based on XXXX 's report. They also do NOT allow us to obtain a copy of our report or score without mailing or faxing NUMEROUS personal documents, which is extremely UNSAFE and unfair of them, and I will NOT mail those documents which could then be used against me or sold to identity thieves! The 3 major agencies all allow online access to this information safely. This company XXXX XXXX, their name alone using XXXX shows they are a shady company that should NOT have access to all our personal information, needs to be shut down and charged with fraud at the very least! Limited Liability name or not, they MUST be held liable for their detrimental actions on THOUSANDS and THOUSANDS of American citizens!!! There should ONLY be the three MAJOR reporting agencies that are monitored and follow the LAW!! This company should NOT have access to our private personal information!!! Please stop this company from destroying so many people 's credit lives!! People all over the country are being overcharged interest rates or being denied credit they rightfully deserve, like I was denied!! PLEASE shut this scam company down and arrest the individuals responsible!!!
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/2022, I opened a new Checking and Savings account with Citizens Bank using a targeted promotional offer. The terms of the Savings account bonus were to earn a {$300.00} Savings bonus, you must open your first new personal savings account on the same date as a new checking account and make deposits totaling {$200.00} into the new savings account every month for 3 consecutive months. A total of {$600.00} must be on deposit in the new savings account until the end of the bonus period. I deposited {$200.00} for three consecutive months and maintained that balance through XX/XX/XXXX, which is when the bonus should have been paid. I did not receive the bonus and contacted Citizens Bank customer service on XX/XX/2022 to inquire. They informed me that because I opened the account in XXXX, I had to deposit in XXXX instead of XXXX. I don't recall seeing this specified anywhere in the terms of the offer despite their explanation. They also would not provide me with a written copy of these terms when asked. The only timetable on the offer I received stated a deadline for the deposits based on account opening date and a date for the bonus to be paid, not that the deposits must start in XXXX as opposed to XXXX. At best, this is a misleading attempt to avoid paying the {$300.00} welcome bonus. As a new customer, it is extremely frustrating to have kept my money on deposit in this new savings account with Citizens Bank for several months with the expectation of receiving this welcome bonus, and then being given the runaround.
Consumer complaint received 2019-03-07
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: Credit Card Receivables Fund Incorporated (IL)

Its not a valid debt and Ive requested them to validate it but they have not and they have been calling my coworkers and discussing this debt with them. I want it removed from my credit report
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting a balance due on XXXX partial account number XXXX. This account is over XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (TX)

I recently applied for the Discover IT Card. After going through the verification process which included answering a series of questions and uploading a copy of my driver 's license ; I was approved for {$9500.00} in credit. My card has only been active a few days, and I've already been met with a series of roadblocks. The only purchase that I've made with the card was a purchase on yesterday XX/XX/XXXX for a dozen of XXXX. I contacted Discover on yesterday XX/XX/XXXX to inquire about on what day of the month Discover reports to the credit bureaus. I also inquired about setting up my pin number, as it is a new card. I verified my identity with the agent. She was unsure about the reporting date which I found strange, but she still offered to put me through the automated system which would allow me to set my pin. Instead she sent me to the Fraud Department. The representative in the Fraud Department stated that it must be a mistake, verified my identity again, and then forwarded me to the automated system by which allowed me to set my pin. I received an email this morning XX/XX/XXXX stated that Discover frequently monitors my account, and that there was information that was unable to be verified. I found this to be strange as well because I went through a verification process in order to get approved for the card. The email directed me to send to Discover a copy of my driver 's license, and to fill out the SSA-89 Form, so that Discover could contact the Social Security Administration to verify my social security number. I did comply. After faxing the documents over I contacted Discover and was told that I was randomly selected to go through this process. After explaining the order of events ; I informed the representative that this was impossible because of the email I received. I whole heartedly that this entire episode is negligence and discriminatory at best.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TN)

I recently was denied a car loan due to the incorrect reporting and negligence Acima Leasing. They wilfully and knowingly reported incorrect and inaccurate information to the reporting companies. Acima Leasing is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1611 ( 1 ). They are reporting a vehicle lease on my consumer report which in fact it was not a vehicle lease it was a phone. They have made it hard for me to get to work with this wrong and fraudulent reporting. I have uploaded documents that I have sent them with no response.
Consumer complaint received 2018-06-07
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-07
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)

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX