davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I presented an item for deposit with Bank of America in the amount of {$3100.00} from XXXX XXXX. When I asked the teller when would the deposit be available, she stated " funds will be available tomorrow '' ( XX/XX/XXXX ). I made mention that I used to be a teller and I thought that was weird for the check to be available tomorrow ( XX/XX/XXXX ). I stated it must be because I have the funds in my account. 

I received an email stating my funds would be on hold until XX/XX/XXXX. When I called the branch, the rep ( XXXX ) said her Assistant Manager was a teller for the day and her Manager was at another location for the rest of the week. XXXX also stated that the manager would just tell me to call customer service. 

I spoke to a Customer Service manager who stated the teller should have told me BOA does not give credit on items any longer before they clear another bank because of fraud since the end of last year. I told her I could have gone to XXXX and cashed the check and deposited cash. Now I'm incurring interest fees because the teller lied. 
I was told I should call the furniture company and see what they can do since they issued the check???? 

They will not release my money or the check. They also will still hold my money if I close my account. I am out of money and they just do not care. If you do not know, you should ask.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX, Experian and XXXX  has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX, XXXX  and Equifax has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting bureau about the unverified account XXXX XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

After submitting a complaint about payments being misapplied to principal causing it to appear I am late on one payment, Today I received noticed from Wells Fargo that they received my complaints and a notice of pre-foreclosure. Even if their records are accurate ( they are not ) I would only be two days past due on one payment that has already been paid. This feels like retaliation that after getting my complaint, Im getting notices of foreclosure. I want this investigated.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Trans Union Credit Reporting Service continued to bill an expired credit card reported stolen to the Bank. The expired credit card was also listed as expired on the account services section. In addition, the address listed was an address from several years prior. 

The credit card expiration date and address listed should prevent Trans Union from Billing the card. 

Notifications were sent that the card was not able to be billed but they billed the card anyway, therefor I had no way of know they were billing an old expired card.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX  and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MD)

So I made attempted to make a purchase in a store called XXXXXXXX XXXX  and swiped my car multiple times and every time it came up declined. I then seen the transition was pending on my card. I then contacted merchant who again assured me that transactions should not had went through. About a week later it went through. I then contact chime and filled a dispute they provided a provisional credit in about three weeks later took it back which me my account overdrawn {$920.00}. I called chime spoke to a supervisor, They closed my case. Come to find Out they never reached out to the merchant, they never contacted the merchant but was able to come up with a decision. I asked the supervisor how did they come up with this decision and he had no idea. Chime was very unprofessional and had no sense of the rules. I asked him how they were able to come up with a decision if they never spoken to the merchant and he had no answer for me. The supervisor kept advising me to send in another email to the disputes department to see if they want to re-open my case. 
My problem is it took me two seconds to contact the merchant and speak to them why couldnt chime had done the same thing. I dont have my money in the merchant doesnt have my money so chime obviously does. They refuse to give me my money and left my account in the red.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/XXXX I faxed the bank a XXXX pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/XXXX I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all XXXX pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. 
This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Please fix this problem for me and also this process so that other customers don't face this again.
Consumer complaint received 2021-12-02
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. (SC)

XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to Midland Funding for {$9000.00}. Upon closer examination of the account, it said Midland was collecting a XXXX XXXX Credit Card balance for the aforementioned amount. I have never had a XXXX XXXX Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a XXXX XXXX Credit Card. Today I attempt to call Midland Funding directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a XXXX XXXX, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.
Consumer complaint received 2023-04-06
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. (NJ)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Balance : {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent a payment using XXXX to a XXXX. There was no fraud on the XXXX 's part however, my finger slipped on entering the last digit of his phone number and the money was sent to the wrong ( unknown ) place. I immediately contacted my bank about the error and XXXX it was a Friday afternoon. They did nothing and said, 'tough luck, not our problem '. I argued, if they take that approach at the very least they should give me the recipients information and I can file suit and pursue the recipient for unjust enrichment and possibly, fraud. 

The Banks own the company that owns XXXX and yet, the banks are colluding to allow consumers to lose money with no recourse and no information. It's abhorrent! 

This happened on XX/XX/2020 for {$1400.00}. The consumer is stuck with NO recourse whatsoever while the banks collude and conspire. They have created a system to lower their costs of moving money while shifting all the risk on consumers.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NH)

On XX/XX/XXXX, Wells Fargo received a payment in the amount of {$2000.00} from my XXXX XXXX checking account ending in XXXX. The funds were mistakenly sent to pay a " PAID IN FULL mortgage account # XXXX. The funds ( {$2000.00} ) laid dormant in this " Paid in Full '' account for 4 days. 

On XX/XX/XXXX, I placed a phone call to Wells Fargo. I explained the above to a clerk who looked up my account. She agreed that the funds are in the " paid in Full '' mortgage account. She could not explain why the funds laid dormant in the " Paid in Full '' mortgage account for 4 days. The clerk told me that they could refund the money to me, but that the funds would have to be send back through the " Bill Pay '' that I used to pay the mortgage. I then clearly explained that the " Bill Pay '' account that was used to send the funds was now cancelled and asked them to send a certified check to me and my wife instead of sending the funds back through a closed " Bill Pay '' account. The clerk left the phone to confer with her supervisor. The clerk then told me that she would have them mail a check on Monday XX/XX/XXXX and That I would get the check on Tuesday XX/XX/XXXX. I never received the check. 

On Wednesday XX/XX/XXXXI placed another call to Wells Fargo. spoke to XXXX employee # XXXX. The funds ( {$2000.00} ) in the account were now marked as reversed. XXXX said the funds were sent back through " Bill Pay '' channels.XXXX XXXX said they do not have the money and the bill pay company does not have the money. The money was never mailed like I requested and that they consented to. Could someone please help me recover my money. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-04
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. (GA)

I did not apply for a XXXX XXXX XXXX XXXXXXXX account or any account related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my Experian credit report immediately.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (GA)

Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update it.
Consumer complaint received 2020-07-14
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: JPMORGAN CHASE & CO. (CA)

This is in response to Chase Reference # XXXX. My appeal was denied for a refund of 2 erroneous fees that were due to fraudulent misuse of my account with the merchant. The merchant did not provide any written proof to show that the fraudulent food deliveries were in fact delivered to my primary address on file with both them and Chase : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. Simply stating that I had a previous relationship with the vendor is not grounds for denying my claim. I require proof that these two charges correlated with a delivery at my physical address.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
Consumer complaint received 2023-03-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (MT)

My Ally Bank CD matured on XX/XX/2023 in the amount of {$170000.00}. Ally Bank was notified on many occasions, both oral and written that I will be closing my CD at maturity. The written and oral correspondence to close my CD is immense and started on XX/XX/2023. Instead of closing my CD, Ally Bank renewed my CD. Ally Bank has not corrected this matter, even though the written documentation between us states otherwise. On XX/XX/2023, I asked Ally Bank to have their supervisor with authority call me to resolve this matter immediately, no call to date.
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$200.00} XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I should be receiving near {$10000.00} dollars through the XXXX  XXXX XXXX but everyday the transaction isnt deposited into my account and is pushed back until a later date.
Consumer complaint received 2021-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report. 
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?