davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (MN)

A wire transfer was sent to an account at Regions Bank and the money was either released to that account or withheld and not returned back to the sender. The bank account name on the wire transfer did not match the name on the account at Regions Bank. Regions Bank is not returning the money and not communicating with the sender or sending financial institution. 

On Tuesday, XX/XX/XXXX at XXXX, I sent a wire transfer for the amount of {$24000.00} to an account under the name of XXXX XXXXXXXX XXXX at Regions Bank . 

On Friday, XX/XX/XXXX, I received a phone call from my bank notifying me that the beneficiary name listed on the wire transfer ( XXXX XXXX XXXX ) did not match with the name of account at Regions Bank. Regions Bank requested me to sign a Hold Harmless form IF the funds were fraud. 

On Friday, XX/XX/XXXX, my bank requested that the money be returned back to me from Regions Bank so that I may re-send wire transfer with the correct information. 

On Monday, XX/XX/XXXX, I was contacted by the recipient of the wire transfer via email that they received the money and withdrew a portion of it to use. Regions Bank did not confirm with me or my bank the correct name on the account receiving the money. 

On XX/XX/XXXX, Regions Bank requested that I sign a Hold Harmless form again although we had requested the money be returned back to me multiple times. 

On Tuesday, XX/XX/XXXX, my bank informed me that Regions Bank had not returned the {$24000.00}. 

On XX/XX/XXXX, Regions Bank requests a Hold Harmless form again from me. 

On XX/XX/XXXX, my bank replies to Regions Bank that the funds are not fraudulent and that I will not sign a Hold Harmless. They also state that the wire should be returned if the information does not match Regions Bank 's records. 

XX/XX/XXXX, the money has still not been returned after multiple requests.
Consumer complaint received 2018-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via  telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! 

Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. 
XXXX Veteran
Consumer complaint received 2018-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NC)

On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX  Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My rights as a federally protected consumer has been violated there are 2 accounts reporting on my consumer report that i did not consent to, authorize nor benefit from them i need those 2 accounts removed from my consumer reports immediately or i will be seeking litigation. I have attached the letter i mailed to capital one and an FTC report as well.
Consumer complaint received 2018-07-12
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. (NC)

I submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved
Consumer complaint received 2022-04-05
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. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

PHH Mortgage is supposed to have my property taxes included in my escrow. Just like my last mortgage company that they bought me out of. Since I own a mobile home. Land, and house taxes are billed separately. The total amount is what my property taxes are, and have been for 5 years on my escrow with my last mortgage company. However they are only paying the land taxes out of my escrow and refusing to put my home taxes back on my escrow, and include it in my property taxes. This is already in my legally binding contract with the previous mortgage company that they bought me out of. I never had an issue with this for 5 years until PHH bought  me out of my mortgage with XXXX XXXX. I contacted them numerous times. Spoke to numerous " escalation '' managers. One named XXXX. He gave me his extension that he never answers and his voicemail box is always full. I get hung up on, I get excuses. But no answers as to why they removed my home taxes from my escrow account. I have never missed a mortgage payment. I'm on the verge of filing a lawsuit. I have been dealing with this for months now.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I am enrolled in automatic payments with Comenity Capital Bank which represents the My BJ 's Perks World Mastercard account I use. On XXXX XXXX they withdrew {$280.00}. This amount included the {$150.00} I owed from my XX/XX/2020 statement and the balance were charges from my yet to be billed XX/XX/2020 statement. 

When called and questioned, they could not offer any explanation for this other than there were credits applied to my account for some fraudulent charges. I find this unacceptable and, hopefully, illegal.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2023-01-28
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. (FL)

Late Payment Removal In accordance with the FCRA XXXX XXXX and XXXX XXXX XXXX has violated my consumer rights. 
15 U.S.C. 1681 Section 602 ( a ) states I reserve the right to privacy 15 U.S.C. 1681Section 604 ( a ) states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Resolution box Please remove this late payments from my consumer report.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

So i want to say on or around XX/XX/XXXX, I was at home getting ready to head to bed an i wanted to check my chase app before sleeping since it was payday. I open the app an see I was charged {$1300.00}. ALOT of money. an it was XXXX to someone. I later found out that a website I used, was breached an had been hacked. It was a computer website that had my card information as I was hoping to pay for something once i payed all my bills. I did not have anything in my cart nor did i save anything. So although i may not know XXXX % that was it since i was told via a friend that it also happened to but i can say i did not spend that amount of money an never will over a website. So chase than never gave me updates nor correct information on my claim than would talk about the case in a way that would be making me the bad guy as if im scamming people when i feel they should be helping me figure this out. At one point i tried to make a example of what it could be an the guy proceed to than assume i was being literal after many times i said " for example '' than would get smart mouthed with me. They than dont show any reasons on why my claim was denied. I want my money back as it IS fraud and with all there research, there isnt a way it is in the favor of being not fraud. I feel robbed an let down by a bank i really liked an felt would help with these things. They didnt help with my claim. I felt more as if i was being integrated rather than my claim being investigated.
Consumer complaint received 2020-09-14
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: AMERICAN EXPRESS COMPANY (CA)

I have my Platinum charge card opened on XX/XX/XXXX. During that period, I am eligible to get my signup bonus for six months per temporary rules of American Express. On XX/XX/XXXX, I got my XXXX Member Rewards points because I reached the spending requirement. However, on XX/XX/XXXX, I got a notification regarding points adjustment. The notification claimed that I have refunds and they gon na remove my sign up bonus points. 

Let 's not to mention that how difficult these days we are not sure about our travel schedule. Therefore travel cancellation happens all the time. Even I cancelled my trip, I still met the spending requirement by XX/XX/XXXX - the deadline to reach spending requirement. I tried to call but they don't give it a XXXX. They always claim that after review, I am not eligible to get my sign-up bonus. 

I just wonder if Amex is trying to fraud their clients or potential clients. " If you have a refund during your first several months, you will fail to get sign-up bonus. ''
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My name is XXXX XXXX. I have been a customer since 2016. Every time myself and my children add authorized users Capital One keeps restricting my accounts as fraud and mandating I verify identity after they already verified identity previously. I have constantly been doing this for several months. I add authorized users simply to help build their credit. I own a business called XXXX XXXX XXXX XXXXXXXX. I have an EIN number and Tax ID and yet after being with Capital One they are without reason continuing to restrict my accounts, my son XXXX XXXX 's accounts and my son XXXX XXXX. There is NOTHING legitifying these fraud alerts. The accounts cross match with the same email address, physical addresses, they can validate phone numbers and entire identity. Then I spoke with a XXXX in XXXX who refused to advise me the names of the authorized users and refused to provide identifying information so that I can have capital one listen to the call. She refused to advise me her supervisor 's name. Yes I was PAST frustrated, but the called continued for almost an hour and when I requested information she went around the subject. I will be following up with a complaint to Consumer Financial Protection Bureau, federal Trade Commission. The authorized users on all the accounts is simply to assist my family in establishing credit and Capital One is making this difficult. I am an account holder with 3 cards, My son has 3, his twin brother has 1 and these users were already verified or were added previously and now they want all this proof WHILE they restrict accounts and take weeks to resolve and allow us access to the accounts again.
Consumer complaint received 2020-04-28
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. (AL)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.
Consumer complaint received 2023-01-28
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)

I sent a letter out to Equifax Customer Relations Department on XX/XX/XXXX I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. upon further research well Fargo has numerous complaints for inaccurate credit reporting on XXXX  and over XXXX credit reported related complaints on CFPB.