davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXXXX/XX/ the sale of my home was completed and funds were wired to my account. I checked my saving account Monday, XX/XX/, no funds, nothing pending, Tuesday XX/XX/XXXX again, no funds and nothing pending. Wells Fargo denied receiving the wire. The sending Tittle company confirmed that funds were sent. It wasn't until the Tittle company traced the wire and confirmed that Wells Fargo received the funds, Wells Fargo admitted they had received the funds, {$430000.00} Wells Fargo then claimed that it looked suspicious ( The Wire ) is why the funds were held. The protocol for that bank is to notify the branch manager, The branch manager was to notify me. This was never done, the branch manager was never notified, when the branch manager inquired about the wire the bank denied receiving the wire. This caused a lot of stress. And time trying to figure out what happened to the wire. Those funds were to be used for purchasing another home the six day delay caused me finical hardship, ( increased interest payments ) Plus stress wondering what happened to my funds.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

On or around XX/XX/2021 we received a notification from the XXXX XXXX XXXX Tax Assessor that the school taxes due on XX/XX/XXXX were not paid by our mortgage company, Loan Depot. We emailed and called Loan Depot immediately to notify them, and attached the notice from the XXXX XXXX  XXXX as well to our email correspondence. Three weeks later, on XX/XX/XXXX, we checked our escrow account online with Loan Depot again and the taxes had not been paid. We then emailed again and received a response that Loan Depot would be paying the taxes. We again checked today, XX/XX/XXXX, and the taxes have still not been paid.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The payment history on this account XXXX XXXX XXXX XXXX is completely inaccurate/incomplete. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2024-03-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

COVID XXXX bank of American Edd account my name Is XXXX XXXX XXXX over 20 times there was a fraud freeze on the accounts and hours everyday getting it in frozen over 5 times I had to find a branch go in there and prove it was me fraudulent charges over XXXX dollars in fraud charges was lost and they just treated me like it was my fault and at least 20 times of over charged fee ATM on the account two people had stolen my identity and I had to have a assemblysm for ca  and XXXX XXXX on your side just to finally get the benefits and after I got them every time I used the card daily fraud freeze where put it there and hours spent getting the funds open again multiple times charges that where not I'm where on there and I call the bank and they issued mye a new card but didn't put the money back on there and it was the worse experience I've ever dealt with literally every transaction action would put a freeze on the account over the course of two years 200 hours spent getting the fraud freezes lifted and the very next charge it was block again and with that process being so bad the charges that happen that where notine I told them fill out the form to report but never got any funds replaced my ss XXXX open account at Edd four months after coivid happen and didn't receive any benefits for a year and after that it was the worse experience I've ever dealt with
Consumer complaint received 2023-04-08
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. (AL)

In reference to my XXXX XXXX account XXXX, disputed on XX/XX/ regarding my account status is currently showing recently past due of 30 days is incorrect. XXXX XXXX has stated they have been sending current account status showing I've been paying on time for over 24 months. Experian has not corrected their mistake causing hardship to me in receiving new credit and credit line increases. This is a request for them to correct the account status error and/or for them to pay fines for the unfix correction.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (AZ)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (NY)

The team claims to have conducted a thorough investigation, but have furnished no proof. I was sent a letter detailing notes a receptionist made in a computer so Charles Schwab has deemed my claim closed. No thorough due diligence was completed- only claims accepted by said receptionist who provided inaccurate information on a separate occasion- this was shared with Schwabs team. No proof. The team has been largely dismissive - its not an amount of a claim, its the principle that as a customer, the bank should be upheld to basic practices in a similar capacity to other XXXX XXXX, especially being under the umbrella of the FDIC and as such, the benefactor of a variety of protections said membership affords the institution. I have to wonder what Reg W and similarly related anti fraud activities Charles Schwab might be negligent in ensuring the safety of a consumers account.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit Card in dispute is with [ Walmart Credit Card ], issuer by Capital One # XXXX, went inside Walmart to make my schedule payment { before the due date of XX/XX/ }, moreover, inquired through Cashier the payment amount, the payment due cashier stated was {$35.00}, made a cash payment inside store located in XXXX CA. I called on XX/XX/2023, to make my next payment due, prior to the due date of XX/XX/2023, and was told by the automated system over the phone, my schedule minimum payment due was astounding amount of {$74.00} ; furthermore, I was stifled at the amount given, I then immediately called Capital One for clarification, they informed me I didn't make the correct payment and as a result I'd be penalized additional amount because my payment was short by {$4.00}, I made a request for waiver of fees accessed and was told by Capital One they'd rectify this oversite ; called back to my surprise after agreeing to make my XX/XX/2023 payment in the amount of {$39.00} early that none of the fee had been adjusted, I tried talking this over with several representatives to no avail, I couldn't get any results, I was furious, I told the Manager he was not helping me resolve the matter, moreover could I speak to his Manager, and his reply was NO!
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (NY)

At XXXX pm on XX/XX/XXXX, I suddenly received several transfers from strangers, and then the bank directly locked my account. The next morning, I immediately called the bank to ask them to help me unlock it. They replied that they could not unlock it and suspected that there was something wrong with my account. I asked them what to do with the money in my card and whether I could withdraw it. They said no, I need to wait for the bank to investigate and then send a check. The time given to me is XXXX working days. Until now, XX/XX/XXXX, I still haven't received my check. I have been calling in to ask when it will be sent out. Every time they say that they will mail my check after the investigation. But I have waited for XXXX months and still haven't received my check. I still have XXXX XXXX dollars in my card at the time, and the transfers from strangers totaled XXXX XXXX dollars. I just want to get back my own XXXX XXXX dollars. I really need this money. I am really angry that I lost XXXX XXXX dollars all of a sudden. The bank has been shirking.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

On Sunday XX/XX/XXXX I was advised that a legitimate purchase was declined. I called Citi and they said it was a computer glitch and I should have the vendor rerun it on Monday. They did. Declined again. Called and was now told it was " AI '' and " algorithms ''. However the same vendor charges me very similar amounts every week to ten days on the same card for the past three years. They ( Citi ) said they " fixed '' the problem. On Tuesday same amount same company- declined. This is hurting my business as the vendor is about to cut me off. 
Please investigate Citi
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX  made the statement in their response dated XX/XX/2020 that " You received benefit from this transaction " which is a false statement. I never received any benefits from XXXX XXXX in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission.
Consumer complaint received 2021-08-12
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. (PA)

XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Tried calling customer service to remove inquiries with TransUnion and they refused. 

XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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 (NV)

I used my points to book a trip. I canceled the trip and was told I would be able to get a credit for the same amount to use with the same airline. 

I called to book a trip using this credit on XX/XX/XXXX and pulled up the trips I wanted to book online. The pricing was in the {$300.00} price range online and the price the agent was telling me over the phone was over {$700.00} dollars for the same flight date and times. Out of frustration and feeling misled I wanted to speak with a manager. None were available and they said they put us on a list to be called back in 72 hours. I never receive that call. ( I have a screenshot of the online prices. ) On XX/XX/XXXX I called back and to my surprise, I was able to book a trip where the costs quoted over the phone matched their online pricing. The trip that I was booking was only for a portion of the amount of the credit and the customer support repXXXX told me I was going to be able to use the remaining amount of my credit for another flight. I asked to book that other flight there on the phone but I was informed that I needed to wait 24 hours for the new ticket to process and the remaining credit to register. 


On XX/XX/XXXX I called to use the remaining part of my credit. I was told that the remaining credit was forfeited and that was the company policy. I asked to speak with a manager but none were available. They informed me that they were going to put me on a list to receive a call back in 72 hours again and I informed them that I was going to file a complaint with the CFPB. 

Per my last two conversations with the American Express representatives, I was provided conflicting information, 1st I was told I could book a flight and use the remaining credit for another flight, and on the second call, I was told since I booked a new flight for a lesser amount than the original credit the remaining portion was forfeited. Overall, per the result of the last call, I have lost over {$300.00} which I could have reasonably avoided if I was informed correctly.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (KS)

Discover Bank Credit Cards claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 Sec 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 Sec 471, 472, 473 and/or 513 and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of Federal Racketeer Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 Sec 1961.

Furthermore, the fact that the United States is in Bankruptcy and Discover Bank Credit Card, is an Agency within the United States, you are also in Bankruptcy and illegally trying to collect payments outside of the Bankruptcy, the IRS is the accountant for the Bankruptcy and I will be sending an adverse claim for the IRS to investigate.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I refinanced with loanDepot late last year. After escrow closed, I realized I was overcharged {$490.00} in escrow by loanDepot. 

All the documents ( Itemization of Fees, Closing Disclosures ) I signed prior to closing show that I had already paid {$490.00} out-of-pocket for appraisal, and that I would not be charged this at closing. Yet when the loan closed, the closing statement shows I was charged this {$490.00} specifically at closing. 

To add to the absurdity of situation, 17 days AFTER the close of escrow, loanDepot sent me a revised Closing Disclosure ; The charges on this revised CD ( dated XX/XX/2020 ) matched perfectly with those in the escrow settlement ( dated XX/XX/2020 ). 

It is as if they were aware that they overcharged me {$490.00} during escrow, and then tried to force me to accept the new charges shown the revised CD. They seem to be admitting on paper that they have committed fraud. 

I have brought loanDepots attention to this matter several times, but they still wont reverse the charge.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

Debt was already was paid with payments to commenity bank/ Victoria secrets. I can No longer log into the old account. Original account was opened XX/XX/XXXX XXXX and 2 months ago. The account was closed and paid. Now the account has been sold and placed on my credit again under commenity bank showing a false date of XX/XX/XXXX which is incorrect. This account was disputed and removed once before with the cpfb for the same reasons and with XXXX, XXXX and XXXX in XXXX and was removed from my credit. Now Im showing the same credit company twice on my credit report. This should be illegal to sell your info after a creditor is paid and had to remove due to this falsified information before.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

I am unaware of this debt. I was not afforded the opportunity to dispute or access the alleged debt prior to the account being reported to my credit files.If in fact you believe that you gave me proper notification, then please send me a copy of the certified return receipt that bares my name and signature to assure proper notice. If you can not provide me the document I am demanding immediate deletion of this account from my credit files. You are in violation of 12 CFR1006.34 ( A ) ( 1 ) ( I ) ( B ).

Thanks in advance
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.