davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called Elan Financial Service regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX World Elite I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, XXXX and Experian reports.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

XXXX XXXX
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TradeStation Group, Inc. (FL)

TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end.

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 and XX/XX/2022, XXXX separate unauthorized XXXX transactions were transferred out of my Wells Fargo account to someone who I don't know ( XXXX XXXX - XXXX ). Each transaction was {$1000.00} each for a total of {$2000.00}. 

I notified Wells Fargo on XX/XX/2022 of the fraudulent activity. They told me they would look into the claim for the next several weeks, however they ended up denying my claim saying that I authorized them. I did NOT authorize these transactions. Wells Fargo assumes that I did. On XX/XX/2022, I had to have my bank username, password, and account number changed because my bank account was hacked the previous week. Due to my bank account being hacked, the culprit sent themselves {$2000.00} total saying that I knew them. I do not know them and I DID NOT AUTHORIZE these transactions.
Consumer complaint received 2021-06-23
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. (IL)

There is incorrect information regarding XXXX XXXX XXXX XXXX on my credit report that the company did not provide any information to verify the account although the credit bureau Experian stated the company verified the information. When asked to provide the verification the credit bureau Experian stated they did not have it. If it can not be verified, he has to be removed. Experian has refused to remove the fraudulent account.
Consumer complaint received 2021-10-26
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. (FL)

I have contacted this company several times along with Equifax to have this account removed from my credit report. They ask me to contact Equifax to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both XXXX XXXX XXXX and Equifax. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Affirm Holdings, Inc (TX)

Im filing a complaint against the company Affirm who have been negligent and deceptive. They have violated multiple consumer and federal laws. They have been reporting inaccurately on my credit report and harassing me saying I owe a debt. On my report its showing them as the Creditor when in fact I am the Original creditor according to CFPB Laws, a creditor is a person ( me ) and theyre reporting as the creditor.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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 2022-05-01
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. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (TX)

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX  XXXX open XX/XX/XXXX amount {$750.00} XXXX XXXX open XX/XX/XXXX amount {$700.00XXXX XXXX XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX open XX/XX/XXXX amount {$5100.00} XXXXXXXX XXXX XXXX open XX/XX/XXXX amount {$300.00} XXXX XXXX  open XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}
Consumer complaint received 2018-02-13
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. (MD)

XXXX XXXX XXXX XXXX, purchased a medical debt of {$110.00} from XXXX  XXXX in XX/XX/XXXX ; the debt was paid off to XXXX XX/XX/XXXX. XXXX submitted an update to the Credit Bureau as a collection action on XX/XX/XXXX showing that the bill was paid, was settled on XX/XX/XXXX and there is a XXXX  balance. To continue to report this as a collection action to the credit bureaus is arbitrary and capricious and I believe a violation of Fair Credit Reporting Act ( FCRA ). I asked several executives of the company to please remove this from my credit report, but they refused. THERE IS NO BUSINESS JUSTIFICATION TO CONTINUE TO REPORT THIS AS COLLECTIONS ACTIVITY. I spoke to XXXX XXXX, Team Lead, Dispute Dept, and XXXX XXXX, Compliance Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE XXXX ( XXXX ) XXXX.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Debt collection company Credence Resource Management is reporting on my credit a debt of {$180.00} for XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/2021 requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out to XXXX, requesting the method of verification on XX/XX/2021 to the credit bureaus and was told I could reach out to Credence Resource Management directly. I sent another letter directly to Credence Resource Management on XX/XX/2021 requesting proper validation of debt. In response, I received a letter dated XX/XX/2021 stating that the dispute was received, and verified as valid, but no proof was provided. They then proceeded in request for me to call them directly by phone. But why, when I have established communication in writing by mail? I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Consumer complaint received 2021-06-23
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. (MD)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-23
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. (MD)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

At or Around XXXX XXXX I Call USAA and informed them that I had a Cashiers 's Check that i had drawn out in XX/XX/XXXX, Written to myself that I never deposited. and when I was ready to deposit the check it was out of date. the check stated void after 180days. So i did not deposit the check and I contacted the back. I was told at this time that they see where the check came from and it had never been deposited. They stated to me that they will send me out a new check ASAP. and all i had to do was fill out a document called " Declaration of loss and indemnification agreement. this document was signed and faxed on XX/XX/XXXX, XXXX on or about XXXX the XXXX. I call to check on the progress. At that time I was told that they only received the top sheet of my fax. which was a lie I only faxed one page with my signature. so at that time, I mailed the document to them with the original check on XX/XX/XXXX. On or about the XXXX I called again because I had a missed call from the bank. At that time I called they stated they need to verify my address. even noted I have been a customer for over 7 yrs and 5 yrs with no new address. I verified my address and I was told they did not know hen that other department will send out my check and that I would not talk to anyone from that department. at this time IT has been near to 15 days and I have not revised my check.
Consumer complaint received 2021-06-23
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. (PA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

I called PNC bank on XXXX XXXX at XXXX XXXX EST to close a dormant account that I just realized had been getting hit with $ XXXX in fees. The account was opened in XXXX by the XXXX, MD branch manager and I had been told that I would never have fees. I requested closure and the balance of {$12.00} to be sent to my military mailing address. They stated that my XXXX XXXX XXXX XXXX XXXX XXXX address is a foreign address and would not close the account because their system wouldn't let them update the address.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I received a letter from Midland Credit Management stating that I owed them {$500.00}. I wrote them a letter and sent it certified mail asking for more information verifying that this is indeed my account as I do not remember signing any contracts with them or having any accounts with them. It's been 30 days and I have not received any response from them. I would like this deleted from my credit report as it is having a negative effect on my report. I have given ample time for them to verify this account and have not received a timely response. I am entitled to fair and accurate reporting according to the Fair Credit Reporting Act, 15 U.S.C. 168.

I am attaching supporting documentation to support my case. 

thank you
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX  that the information was reported in error and they would update the information with Experian, XXXX and XXXX. They never did.
Consumer complaint received 2018-02-17
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. (FL)

I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, XXXX, and Experian REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Grain Technology, Inc. (TX)

I had been with the Grain Credit card company since XXXX XXXX. Out of nowhere in XXXX of 2022 they ask to verify my identity. I send a picture of my Texas DL and several days later I receive a reply stating that my account is closed because they cant verify me. The company never responds to the consumer. Their system wont allow me to remove my personal information. I am sure this is not the only complaint you have received in regards to this. It seems this has been done to several of their consumers in the last month. This is a very shady business.
Consumer complaint received 2021-02-11
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: ALLY FINANCIAL INC. (MD)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.