davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CADENCE BANK (MS)

On XX/XX/2022, I was trying to make purchases on an app called XXXX for XXXX, for which I have done several times before BancorpSouth Bank merged with Cadence Bank. However, this morning I was presented with issues and my card was being declined. I contacted the Fraud Department and spoke to a young lady who removed the alert and I was told to close the app and do it again. I was successful. I tried to make another purchase and this time I was blocked again. I called back into the Fraud Department only to be told this time that " this type of card cant be used for buying crypto via the policy. '' When I asked to see or be sent this policy as I have been doing this for the past 2 years using the same account, I was told that it was not his job. After getting upset by the agents refusal at XXXX I asked for a supervisor and the agent said " NO '' and hung up the line. I persisted to call back 2 more times at which point I waited on hold for over 10 minutes just to have the line answered and immediately hung up on once again without even a hello or a word being said. I have plenty of money in my account and my purchases were all in the {$100.00} or less range. Outside of them causing my account to be flagged for fraud after I confirmed the purchases and explanation of why I was purchasing them, which is none of their business anyways, I was told by the last Agent that they actually refunded the past transactions and stopped them as well! 
I want this bank investigated! This isn't legal and they have no right to do this. If anything, I am under the terms of the old bank at which my account was created and was never informed of any changes being made to my account or the way it is handled. These deliberate actions have resulted in significate losses in revenue and income for me as I have missed the ability to purchase a stock/crypto that was at a low price and has now jumped in value due to their illegal actions and FAKE policies that they can not produce to explain their actions. It is my money and I need to have access at any given moment in accordance with Banking Laws! 

I would like to see that male agent I spoke to at XXXX terminated for his actions as I am sure they violate the corporate policies that are ACTUALLY in place.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}
Consumer complaint received 2020-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-27
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. (TN)

in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Equifax : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, EQUIFAX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 imformation any other adverse item of imformation, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A. (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. Also send me all payment that was made on this account from when the account was open up until the account went past due As XXXX! per the law seized in desist all collection activities including credit reporting agencys Please comply.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

This is related to closed complaint # XXXX. On XX/XX/XXXX, MOHELA responded that they " reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding the processing of your request for a refund of payments made within the XXXX administrative forbearance period. As of this writing, our records indicate that MOHELA is further reviewing your account to determine the appropriate amount to be refunded for additional payments made during the XXXX period. We are working diligently to facilitate this process within the coming days. '' I submitted the following information to MOHELA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX amount back to my student loan balance, MOHELA has not provided any updated details on my refund request besides responding to my XXXX complaint on XX/XX/XXXX that they submitted the refund request to Treasury on XX/XX/XXXX. Why was this information not provided in response to my CFPB complaint? If they submitted the request 5 months ago, why are they still determining the refund amount? Since XX/XX/XXXX, I have repeatedly requested a financial transaction history from MOHELA but they have not been able to provide any transactions before my loans transferred to MOHELA. Because there is no place on the MOHELA website to provide this information, I am opening a new complaint so I can submit the only available documentation I have to try and resolve this issue. For each payment, I have submitted a redacted copy of my bank statements which show evidence of my payments for the exact amounts that I requested refunds for 8 months ago. I also have attached an account summary still available on XXXX. I am no longer able to access my XXXX account online.
Consumer complaint received 2024-02-03
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. (MS)

Regarding XXXX  report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (KS)

Card.com has refused to send me a check for my remaining funds on my card when I have provided my DL all identification requested. Ive been trying to get my money for almost 2 years now and they refuse to send me a check for the remaining balance on my closed account. Also for some reason my funds are no longer showing on my account.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting 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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through Experian, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer no later than 21 days before the payment due date.
Consumer complaint received 2022-11-22
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. (GA)

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXXt XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX  XXXX - XXXX XXXX  - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX 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 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 any purpose.
Consumer complaint received 2022-11-22
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. (CA)

I am writing to file a complaint against XXXX, XXXX XXXX XXXX Experian. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy two times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

XX/XX/year> electronic transfer from XXXX to PNC BANK of {$2100.00} for my daughters rent. got call later from Landlord stating it did not go into her account. called my bank and they said it went thru. they gave me a copy of the trace number and copy of the transaction. called PNC they wouldn't talk to me said I wasn't their customer so called the landlord she three ways called. they said never received money. we gave them trace number says still didn't get. So, we filed a dispute with my bank, called PNC bank back and again refused to talk to me so we three ways called, still claim they don't have and are washing their hands of it. even though we had a dispute. now my bank says they can't do anything because they paid it and it is out of their hands that i need to go after PNC Bank which won't talk to me and the account that i paid to for the rent the lady does not speak much English. so basically no one is being accountable for the missing money even though there is proof and correct routing numbers and account numbers. Iam not a rich person and can not afford {$2100.00} to just disappear. I have proof money left my bank and went to thiers and account numbers and everything but no one is being accountable, what can I do now?
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX 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 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 any purpose.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

I would like to draw your attention to XX/XX/2021 - I had sent my complaint letter to Wells Fargo, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one acted immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Wells Fargo never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. More in the letter attached, I attached my letters I sent to them and their replies
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by XXXX XXXX XXXX in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose. 

In 2023 during a XXXX XXXX, I enrolled in a payment plan offered through the XXXX XXXX XXXX app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay XXXX months in advance. Despite XXXX XXXX XXXX automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information. 

Upon discovering this discrepancy, I contacted XXXX XXXX XXXX multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit. 

I find it unethical and irresponsible for XXXX XXXX XXXX to establish a payment plan through an app without transparently disclosing the requirement to pay XXXX months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan. 
Transparency : Ensure that XXXX XXXX XXXX provides clear and transparent information regarding the terms and potential credit impact of any future payment plans. 
Communication : XXXX XXXX XXXX XXXX to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. 

Sincerely, XXXX XXXX