davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I first want to thank you for taking the time to read this complaint. Ive had a great experience with WFBNA CARD and my goal is to maintain the relationship weve built over the past year. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XX/XX/2023 for my WFBNA CARD Credit Card. During that time period, I had a XXXX XXXXXXXX  due to XXXX. I mailed WFBNA CARD several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the Coronavirus pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my WFBNA CARD account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The Coronavirus pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the Coronavirus pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (GA)

RentDebt Automated Collections have been reporting this account as if it is an open account when it is closed in the hands of a Debt Buyer. They are reporting it as an installment account with a one-payment term and a Past Due Balance. They have reported to one of the Credit Bureaus a Maximum Delinquency date of XX/XX/XXXX but the reality is they obtained this account XX/XX/XXXX. The information RentDebt has reported for 4 years has caused financial setbacks due to this inaccurate information.
Consumer complaint received 2021-05-22
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 have been disputing with Experian since XX/XX/2020 regarding the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached all my previous letters showing my attempts to rectify these unauthorized inquiries. I have exercised my rights as a consumer for proof of verification, but Experian has continued to ignore these requests.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX. I have only had one account with XXXX XXXX and that account was paid in XX/XX/XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into one of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Motolease, LLC (NC)

Leased a bike from Motolease XXXX of XXXX. Was told would not be on credit and could terminate lease anytime if not satisfied without credit reports. Returned the bike XXXX of XXXX to the dealership/leader. Was told account was closed. I then started getting billed for balance still owed on bike. The account has been reported on my credit every single month since it was returned/repossessed. It is showing up on my credit and behind payments. I have tried to dispute multiple times over the last 2 years. I even called Motolease to get resolved. Last call to Motolease and dispute was today XX/XX/XXXX. This account needs to be removed.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TRANSWORLD SYSTEMS INC (NJ)

My name is XXXX XXXX, I filed an arbitration against Transworld Systems , Inc., however, I have received a notice from the XXXX XXXX XXXX, informing me that Transworld Systems , Inc., failed to comply with the XXXX  policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with Transworld Systems , Inc. This means they are not only in breach of contract with me but with every other account, Transworld Systems , Inc. is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against Transworld Systems , Inc. on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We moved to a new neighborhood and got a letter from Citizens Bank offering a XXXX dollars direct deposit checking account bonus if we make another any deposit within 45 days after the first opening deposition. 
I went in to a local branch. A rep there helped me to open an account, and enrolled me with an overdraft insurance ( XXXX bucks ) without even telling me, and charged XXXX dollars maintanence fee each month since I did not deposit enough money the XXXX time.Ane he gave me XXXX dollars for opening that account. 
And then I went in a few days later to deposit enough money so I could be waived for XXXX bucks for maintanence. The rep promised me to credit me back that XXXX bucks, and the XXXX bucks after I told him I do n't want that. 
After a few months, I checked my account, and found the XXXX total bucks were never credited back to me. I called the rep, he promised to refund me again. 
Again after a couple of month, I contacted him the XXXX time. He promised to do it again. 
As of today, it has been more than 7 months after I opened that account, and I have never received that XXXX dollar bonus as promised to be credited within 4 months, and I still never got back that XXXX bucks, and I am leaving this area soon, I finally went to talk with that rep face to face. 
He finally credited me that XXXX bucks he should have never charged. But he did not give me that XXXX bucks. The reason he gave me is following after he talked to someone on the phone : The XXXX dollars opening bonus he gave me cancelled out my XXXX bucks bonus!! 

I said why do n't you cancel that XXXX bonus and let me have the XXXX bonus then. He said that is a done deal and he can not change it. 

I clearly showed him the XXXX bonus certificate when I went to open that account!!! 
I guess that is how citizens bank honor their opening bonus. A very disappointing experience from me.I almost lost XXXX bucks instead of getting XXXX. What a joke.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

At time share meeting XXXX XX/XX/XXXX, American Express XXXX XXXX XXXX application included for payment of downpayment on property. I applied for card at that time, and was approved, but did not use the account. Card arrived to my home in CA but was never activated. I was billed XXXX $ annual membership fee despite never activating or using account. I notified Am Ex in writing to cancel account, XX/XX/XXXX, but bill continued to come. In XX/XX/XXXX, I called agent who stated I was obligated to pay only XXXX $ for 1 month of membership prior to written cancellation. I tried to do this on phone that day but it took too long, as account had been cancelled and he could not easily find. I sent XXXX $ check in billing envelope with Am Ex receipt that same day. It has not yet been cashed. 
This account has been sent to collections, damaging my credit report and preventing my home refinance. 
When called againXX/XX/XXXX, Am Ex XXXX, stated that by applying for card I was obligated to pay the whole annual fee, whether or not card was ever activated or used and this was in the agreement I signed. I have subsequently found that agreement and see no indication of this. It states obligation begins when card is " used or activated ''.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies.

They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been a Bank of America customer for 18 years. In XXXX I opened a credit card with them and always paid it on time. In XXXX I ran into financial issues because I have lost my business. Bank of America refused to work with me and didn't want to offer me any kind of options. I offered to pay them fully over 60 months at 0 % interest rate, and they refused, and instead opted to pile up interest and late fees onto my balance. In XX/XX/XXXX, Bank of America made me a settlement offer. Bank of America asked me to pay {$6200.00} over the next 90 days. The payment dates were pre-aranged during the settlement. Bank of America said that if I would settle with them, they would not charge-off my account, and instead it would show on my credit reports from all 3 major credit bureaus as " Paid for less than owed ''. On XX/XX/XXXX I finished paying off the {$6200.00} that Bank of America asked me to pay, and immediately it showed on my credit reports as a closed account, paid for less than owed. In XXXX, XXXX, I filed disputes with all 3 major credit bureaus, XXXX, XXXX  and XXXX  because Bank of America kept showing me being late even during the months of XXXX, XXXX and XXXX of XXXX, while I was making my settlement payment. About a month later, I received a dispute resolution from each credit bureau. Instead of fixing what I asked them to fix, Bank of America, out of spite, changed the account status from " Closed '' to " Charge off ''. I can not believe that a multi billion dollar corporation, a bank, that offered this settlement agreement in the first place telling me that it would prevent my account from being charged off, can act in such a childish and immature manner.
Consumer complaint received 2021-09-01
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. (CA)

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NY)

I purchased furniture from XXXX in XXXX. They did not send the furniture complete. 
Said the parts would come in XXXX. I never received the bill and it caused me to go late on the report. I returned and got my money back and my late fees back but the late payment history is still my report.
Consumer complaint received 2018-02-21
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. (GA)

I HAVE SENT NUMEROUS NOTARIZED AND CERTIFIED AFFADAVIT TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNT UNDER THE BANKRUPTCY I SENT CERTIFIED LETTER TO THE COURTHOUSE IN REGARDS TO IF THE COURT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES SUCH AS XXXX  XXXX AND EXPERIAN AND THEY WROTE ME BACK SAYING THE COURT DOES NOT PROVIDE ANY INFORMATION TO CREDIT REPORTING AGENCIES THESE AGENCIES OBTAIN THEIR INFORMATION THROUGH PUBLICLY AVAILABLE MEANS EVEN THOU THE LIE AND SAY THAT ITS HAS BEEN VERIFIED THAT GOES AGAINST THE FCRA THEY ARE LIARS SAYING THEY VERIFIED THE LETTER SENT BACK FROM THE COURT HOUSE SAYS THEY DO NOT PROVIDE ANY INFO
Consumer complaint received 2024-05-14
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: MoneyLion Inc. (NC)

So I opened a money line Account did not. I think I maybe received {$100.00} anyways but it then therefore paid that back and here maybe a year later now I check my credit report and it states that I have a {$500.00} charge off but then it was only charged off or claim charge off. It was late 30 days and then it was went straight to charge off and since then Ive tried to get up with the company multiple times to repay them, whatever you know to get it off my credit report not that I owe them anything but just to get it off my credit report for pay for cant get up with anybody cant get up with any supervisors or they say my account is closed yet I still owe money somehow and its next to impossible to get anything done. Its {$100.00} that I supposedly owe and cant get anything done. Ive tried and tried and tried and tried.
Consumer complaint received 2018-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have disputed XXXX XXXX since XX/XX/2017. Each time it comes backs as verified. I have asked them what method they used to verify that the accounts were in deed mine. They have not submitted to me the information i requested in accordance to the FCRA they are required to give me that information. What they did do was remove my accounts that were in good standing. I had to call the companies to get them to add them back to my credit report. They also have added a personal statement that I did not authorize. It is causing me to to have issues with creditors. I asked them to remove it. But they have not. Also asked the. To remove the hard inquiries that I didnt authorize. And that is not done. 

Also I sent In the verification that I have settled my account with XXXX XXXX. And the collections company called XXXX XXXX is still showing.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TN)

Today I received an alert from my credit monitoring service that this company has reported that I failed to pay a debt that I supposedly owe. I did not receive notification of this matter prior to this being placed on my credit report. They are in violation of the debt validation law and HIPPA as this may contain to my medical records
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

In particular this was investigated in another case # XXXX, and the Company reported that they had the right to close the account and that was the final decision.Part of my complaint was I filed with XXXX XXXX a " Credit Dispute ''.

In their letter to me dated XX/XX/XXXX in the last paragraph they state " On XX/XX/XXXX, we received your faxed credit reporting dispute regarding the account closure and your request for reinstatement. The dispute was inadvertently closed without resolution on the same day it arrived.

They make no other mention of my " Credit Dispute '' other than they " inadvertently closed my dispute without resolution. ''
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I was booking a flight through the XXXX XXXX website. During the checkout there was an advertisement for the XXXX XXXX XXXX The advertisement takes your purchase price and incorporates it into an image. For example, in this case my ticket was {$120.00}. That exact price is shown in the advertisement. 

It states that when I apply for this credit card ( and am approved ) they will credit the first {$400.00} charged on XXXX XXXX in this case the {$120.00}. 

So, I applied for the card and was immediately approved. However, at the end of the application you are not redirected to the XXXX XXXX. So, I went back to the XXXX XXXX and to the process of purchasing my ticket. 

Now begins the problem. The advertisement shows that if you apply for this credit card, you can use it to purchase your plane ticket and get the credit but no credit card number or temporary manner is provided for you to purchase the ticket. Instead, you're told that you'll receive the credit card in XXXX business days. Until then, you can't use the advertised promotion because you don't have the credit card on hand. 

Your only option is to wait to receive the credit card but if you wait XXXX days then surely the price of the plane ticket will go up so you feel forced to purchase the ticket on a different credit card and use the promotion on a future ticket. However, that's not what's advertised. What is very clearly advertised is that you spend ( in my case ) {$120.00} and you get back {$120.00}. 

I have contacted CitiBank on both regular customer service number and at the credit card application number and both have told me that they can not help me and that I will have to wait for the card to be in hand.
Consumer complaint received 2021-09-01
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. (TX)

By law, TransUnion is violating my rights by reporting inaccurate, unverifiable information. Although TransUnion sent documentation on XX/XX/21 stating an inaccurate account was not reporting on my consumer report, I will attach a document confirming it is being reported.
Consumer complaint received 2018-06-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. XXXX XXXX is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.