davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

Good afternoon .. back in 2016. I deposited XXXX with Suntrust Banking Still havent received a Bank debit card from Suntrust Banking.. Someone was able to activate my bank card and transferred XXXX, XXXX from my account : XXXX to Mr XXXX XXXX XXXX I wrote Suntrust Bank XXXX spoke on the phone with XXXX XXXX. Executive Services XXXX XXXX ( XXXX. XXXX XXXX XXXX XXXX XXXX me it was a joint account.. I have a receipt from Suntrust from 2016 from customer Services with my balance information Balance.. Legal Disclaimer individual account Thanks XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ) cell
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting Accounts have violated my rights. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX  XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX. opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

My loan servicer is Edfinancial. I made a payment of {$2400.00} on XX/XX/XXXX during the XXXX XXXX period. 

I am eligible for $ XXXX student loan forgiveness and have a balance of {$17000.00} as of today, XX/XX/XXXX. I have requested a refund of {$2000.00} on this payment and Edfinancial is denying payment. This would bring my student loan balance to {$19000.00}. 

When I called on XX/XX/XXXX I was told that I would be refunded in XXXX of XXXX. I asked where I could read up on this as I just checked Edfinancial 's website and could not find any mention of it. I was told this is a new policy this week. I asked to start the process for a refund regardless and was told a form was filled out for my account that I could not see and have no accountability to see to start the refund process with no guarantee that I would get the refund I am entitled.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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/2022. And now we are in the month of XX/XX/2022, 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. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I took out cash from ATM on XX/XX/21 {$880.00} and cash suddenly got retracted back into the ATM, i did not get a chance to take my cash. 

i complained right away to bank teller they told me will take care of it right away, next day nothing happened so I complained again, they dragged this out asking for more time- for 3 weeks then they funded my account on a TEMPORARY basis. but then this week they suddenly reversed the transaction and took away my XXXX I went to the branch ( XXXX XXXX XXXX ( XXXX ) XXXX ) to plead my case but they simply told me there's nothing they can do and will not give me my XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (MS)

I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them XXXX. I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

I requested a mortgage assumption on XX/XX/22 via letter and I have yet to receive any of the documentation for it. I have called multiple times since, confirming receipt of the letter and asking when the paperwork would be ready but the agent always says the work order will be ready tomorrow. The agents on the line have referenced a title signing but have not sent me any of the paper work needed for the assumption, they want me to sign over the title to my house without sending me any of the paper work before hand to know what I am signing.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

I have been with AMEX for a year now, and yesterday XX/XX/21 I tried to do a credit limit increase but they declined. This was not the first time I tried to increase my limit. This is my XXXX time attempting to increase my limit. However, when I logged into my account yesterday, I was eligible for a product upgrade from the XXXX XXXX to the XXXX XXXX. Then, when I logged in my account today, I was able to upgrade my card yet again to the XXXX XXXX. Its sickening how I can get a product upgrade XXXX times in less than XXXX hours apart, but cant get a credit limit increase. Not to mention, the credit limit that I was given doesnt match the status of my card level nor does it fit my basic needs anymore. It was fine in the beginning because I was just getting in. Now that I have proven myself, my request should be granted with no issues. What I have asked for is nothing compared to what I know some people have asked for. Honestly, I feel like AMEX is XXXX. Im not the only person who is dealing with this issue. They give you a bunch of excuses as to why they cant do it, instead of looking at the overall picture. If you can upgrade someones product XXXX, then you can give them a simple credit limit increase. Im beyond frustrated and feel like Im being racially profiled. Also, when I asked for my new card to be shipped out in XXXX to XXXX business days, they cant do it. Thats something else that I dont get because when I switched from my AMEX XXXX to my AMEX XXXX, it was definitely done. Its all the rules and regulations for some customer and changes for a certain group of people and that is what this all comes down to. I have other high limit credit cards so I dont want to continue to hear these same excuses. AMEX tells lies when they say they want to build a relationship with their customers. This only applies for the XXXX race. Im sick and tired of this merry-go-round with this company.
Consumer complaint received 2022-04-29
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. (SC)

XXXX In accordance with the Fair Credit Reporting Act XXXX 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.SC. 1681 Section 604 A Section 2 : it also site also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX ( attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from XXXX XXXX or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

When my mortgage company did my escrow analysis on XX/XX/20 my escrow payment increased to XXXX $ monthly substantially increasing my mortgage payment. My husband and I had anticipated some increase due the fact that the previous owner had numerous homestead exemptions on the house and since we had moved into the house in XXXX we did not qualify for any home stead exemption, so we knew going in, that there would be a discrepancy due to the tax bill. XXXX $ was deposited at closing and XXXX was going monthly into the escrow account, by XXXX {$2900.00} should have been deposited into the account. Our home owners insurance was paid in the amount of XXXX ( XXXX ) monthly pmi was paid at a rate of XXXX ( 9 months ) and our tax bill was paid in the amount of XXXX ( XXXX ), total amount out XXXX, which results in a discrepancy of around XXXX. When I called to discuss the escrow account with my mortgage company I was told that to catch up from last years shortage I would have to pay out XXXX. They calculated this number claiming to have paid out XXXX on my behalf and that on the date since i did not have a balance of XXXX in the account I now owe that too. I was unaware there was a penalty for not keeping a minimum balance in the account and according to what was actually paid from the account last year as shown by my escrow statement they did not pay out XXXX last year on my behalf. My husband and I will gladly pay out what we owe for last years shortage, but we will not pay out a grossly inflated inaccurate amount that includes a fee that was never disclosed to us. Also, pmi payment was projected to increase from XXXX to XXXX monthly over this year. I asked for an explanation as to why, and the agent told me that she couldn't explain pmi to me and tried to reach out to the pmi department unsuccessfully. According to my amortization schedule, the pmi should be decreasing with my payments not increasing since the amount of my loan has not changed.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

I rec 'd a email telling me Best Buy was going to charge me XXXX for renewal for coverage of appliance/PC repair. I never actually used any of it from XX/XX/XXXX - XX/XX/XXXX that I did pay for when buying my dishwasher. Attached below, and now expired, Their flagging they went ahead and charged it to my XXXX Credit Card in a email after the fact also attached! Never rec 'd a new service contract. This charge was unauthorized. 
I called the card 's number and requested they stop the unauthorized charge of XXXX and cancel my card. Their supposed to protect me with unauthorized charges and I was not paying for something I didn't authorize. 
They instructed me to call Best Buy also. I called, spoke to their billing office, the lady there told me speak to the XXXX XXXX also. I did and same message that I cancelled my card, I didn't authorize this appliance/PC coverage, and I'm not paying for something Best Buy decided to charge me for. All three parties did not instruct me to do anything else. 
Then I get a check back for XXXX from Best Buy XXXX ( attached check stub ). So I thought we're cancelled now and their was no explaination as to why I got this check. 
Today I get a bill from Citi - Best Buy - XXXX XXXX for XXXX ( XXXX difference on the original total, XXXX fees charged, XXXX interest and a total of XXXX balance. So the check they sent was a hook to use their check, pay interest and late fees! Says made a purchase on the back of the statement. I didn't purchase anything they did. 
I called XXXX and XXXX both of these numbers are the same recording. Useless! I don't have the card I destroyed it after I requested they cancel my card to all three parties. I also have a email they are refunding me See attched. That's the check I just mentioned above they sent me. I'm XXXX yrs old and feel their taking me for a ride and ignoring my cancel request from last month.
Consumer complaint received 2020-11-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (CA)

I opened a car loan with Consumer Portfolio Services , Inc back in XX/XX/XXXX and did a voluntary surrender of my vehicle in XXXX XXXX due to the following reasons ; 1. unable to pay down the principle balance since XX/XX/XXXX Original loan amount was- {$21000.00} Interest paid- {$18000.00} Principle paid- {$1700.00} Additional fees- {$1400.00} So, in 5yrs over {$18000.00} was paid in interest alone and nothing towards the principle balance. Consumer Portfolio Inc, was never willing to explain why I paying so much in interest and continued to add late fees and interest on top of interest. Recently, I received a letter from CPS, Inc dated XX/XX/XXXX on XX/XX/XXXX which was an " Explanation of Calculation of Surplus or Deficiency ''. I contacted CPS, Inc on XX/XX/XXXX to get my balance and see if I could set up a payment plan for the remaining balance. The total amount due on the letter is {$11000.00} and when I called they stated my balance was XXXX, when asked why the difference from the letter I was told I was 159 days past due when I disputed the fact CPS, Inc could not provide an explanation and I was transferred from person to person. Finally, I was told that on the {$11000.00} balance that I was being charged {$4.00} a day/ {$130.00} per month in interest and again I am back in the same boat with CPS Inc , where I am only paying interest so I am in a never ending cycle of interest where in the end I will have paid almost $ 40k or more on a $ XXXX car that was bought in XXXX. They have been unwilling and unable to explain the fees and interest to me nor have they wanted to work with me during these difficult times. I have done research on this company and noticed several lawsuits and complaints regarding the same issues with people never being able to pay down their car loans. At one point they were calling me several a times a day harassing me and making threats for me to pay hence why I made the decision to surrender the vehicle because even after making my monthly payments since XXXX I was still unable to pay it off. Even as of my most recent call with CPS, Inc XX/XX/XXXX I am still being bullied and forced to pay outrageous interest fees without explanation.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: The Best Service Co.,Inc (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXXXXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XXXX, XX/XX/2020, at XXXX XXXX, I received money ( XXXX USD ) from Translators Without Borders ( XXXX XXXX ) Through a money transfer agent known as Wise ( Transfer Wise ) with reference number XXXX XXXX. 

I went ahead and registered with Wise in order to receive my money, however, I have never received that money in my bank account. 
At first, I suspected that I might have selected the wrong bank ( XXXX bank instead of XXXX XXXX bank ). 

I reached out to Wise, however, according to their policy, they do not consult receivers rather they consult with the senders, so for the next XXXX or more months, I had to contact my money senders ( XXXX XXXX XXXX who in turn consulted with Wise. 

Wise made it clear that the transaction was completed, however, they couldn't specify on which account the money was deposited. In case if the details I entered were wrong, Wise couldn't confirm if the money would return to the sender or if the transaction failed. 

I have since reached out to anyone I could about the matter without help until I previously tried to make a complaint. 

I have all the emails and conversations with all parties involved.