davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MS)

Chime closed my account due to fraud which stopped a transfer I initiated from my XXXX account to my chime account so I contacted chime to see why and they said due a {$200.00} transfer that I initiated to my chime account from my XXXX and the only way I can get my account back is provide them a letter from XXXX saying that my account was hacked into and XXXX froze my account so contacted XXXX and XXXX had me to put call Chime on XXXX XXXXXXXX XXXX told Chime that they put a freeze on my account because someone hacked into my Account and took all of My funds out and I had to dispute them all and Chime still told XXXX they had to provide them a letter and bank statement saying that so XXXX said they couldnt generate that letter or bank statement because it didnt gong through So I called Chime today and ask them about the funds left in my Chime account they guy told me I couldnt get my find a out until I provided the documents they asked for after I told them that XXXX  couldnt generate the letter or bank stat.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (OH)

Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Key 2 Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent Key 2 Recovery a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Key 2 Recovery to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Key 2 Recovery and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Key 2 Recovery. You can not because this is not my debt nor do I owe Key 2 Recovery anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM Key 2 Recovery NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (MS)

On XX/XX/year> I purchased a {$990.00} Western Union money order at XXXX. On XX/XX/XXXX, I deposited the money order in person into my XXXX XXXX XXXX XXXX XXXX XXXX checking account. The following week, I saw a transaction on my banking ledger indicating the money order was returned unpaid. I spoke with the bank and learned Western Union refused to pay the money order. Then I filed a dispute with Western Union in accordance with their online dispute process. On XX/XX/XXXX, Western Union sent me an email stating " ... we cant recover the funds or refund money order XXXX because it has already been cashed. '' They also said they would mail a copy of the money order to me, but I never received a copy. I requested they email their copy to me, but they never responded. It's just not possible that this money order I purchased from Walmart was already cashed. The money order never left my possession until I presented it to my bank for deposit into my account. With this CFPB this dispute I have included a copy of the bank deposit scans from my bank, as well as my receipts for purchasing the money order.
Consumer complaint received 2023-03-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I closed on a property located at XXXX XXXX XXXX XXXX. In XXXX, IL on XX/XX/XXXX. My Mortgage Lender was XXXX XXXX XXXX XXXX based in XXXX XXXX, Mo. My first mortgage payment was due on XXXX XXXX XXXX The amount of my mortgage is {$1600.00} I paid that full mortgage amount a week before it was due to the mortgage lender ( XXXX XXXX XXXX XXXX ) and included the payment stub I was given at the closing. By XX/XX/XXXX, I had realized that my mortgage check had not cleared. I reached out to the lender, XXXX XXXX XXXX XXXX to ask if they had received the check. After reaching out to them several times, I was told that they had indeed received the check, but they were trying to figure out if they should wire the money to the new mortgage company who had purchased my mortgage. I had not received any official notification from the new company at this time. I specifically asked whether I needed to write a new check to this new company and was told " No, They were looking into it ''. On XX/XX/XXXX, I received a letter from Select Portfolio Services stating that they had purchased my mortgage- the first official notice I had from this company. The next day, I received another letter from Select Portfolio Servicing stating that I was past due on my first payment and I owed them {$6500.00}. I assumed this was a scam and reached out to my loan officer at XXXX XXXX XXXX XXXX and was told that this was indeed the correct company but that the amount of my monthly loan payment should be {$1600.00}. I reached out to Select Portfolio Servicing ( twice ) to figure out what was going on and was told that I was in default for not paying the first payment and my new monthly payments had doubled in price. Keep in mind, I was already considered in default BEFORE I even knew who had purchased my loan. I was given no chance to even send a payment to the new company. They told me that XXXX XXXX XXXX XXXX  had not informed them of any check they had received and that there was nothing I could do. By XX/XX/XXXX, I was finally informed by XXXX XXXX XXXX XXXX  that my original check to them as voided and shredded. No one informed me nor Select Portfolio Servicing until this point. Once I figured out what was going on, I immediately paid Select Portfolio Servicing the first mortgage amount bringing me current with my payments. However, i am still considered in " default '' and they are demanding payments of twice my mortgage amount each month. I can not afford to pay this amount each moanth and neither company will respond to my complaints. I have officially contested the " default '' and heard nothing./ I suspect fraud. Please help!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westcreek Financial (GA)

Dear CFPB Team, I am writing to formally lodge a complaint regarding a transaction with WC / KOALAFI that has resulted in both defective furniture and incorrect reporting on my credit report. 



On [ insert purchase date ], I purchased furniture from WC / KOALAFI ( Loan Number : XXXX ). Shortly after delivery, I discovered that the furniture was defective and not fit for use. I contacted the company to report the issue, and they arranged to pick up the furniture. 



However, upon review of my credit report, I noticed that WC / KOALAFI has reported this incident negatively, despite the fact that the furniture was returned due to defects. This appears to be an illegal and unjust practice that has adversely affected my XXXX XXXX. 



I request your assistance in resolving this matter. I would like the CFPB to investigate this situation and ensure that WC / KOALAFI removes any negative reporting related to this transaction from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I am filing this complaint as a continuation of my previous one. When I initially filed my complaint, I received a response from a representative stating that I would need to visit a bank branch to resolve my issue. The representative also misrepresented information in their response by claiming that identification information was not provided, even though I had submitted my identification with my initial complaint. I am resubmitting it this time as well. I am more than happy to provide my identification via email or mail.

When I visited the bank branch, the manager was baffled by my request and had no idea what I was referring to or how to address the matter. He advised me to contact corporate, which is the entity the representative who responded to me actually represents.

It was not easy for me to visit the bank branch because I have a disability, and the experience was humiliating, to say the least.

The bank is fully capable of refunding the amount by mailing a check, as XXXX XXXX, who initially issued the check, has done before.

initial compliant number ( XXXX ) : I opened my Wells Fargo account in XX/XX/XXXX, shortly after legally changing my name from XXXX XXXX to XXXX XXXX XXXX . At that time, I had five checks issued to me by XXXX XXXX in my former name. I decided to deposit one of these checks into my new account. I deposited the check in early XXXX ( Reference # XXXX ). However, on XX/XX/XXXX, I received a notice stating that my account was closed. The letter explained, A deposit was made to your account on XX/XX/XXXX. During our review, we determined that you are not entitled to these funds. If there is a remaining balance, we will mail you a check. I repeatedly attempted to resolve this by contacting Wells Fargo. Each time I called, I was transferred between departments without any resolution. After weeks of this, one representative even suggested I visit a branch in person for assistance, but unfortunately, that also led nowhere. In the meantime, I contacted XXXX XXXX and successfully had the checks reissued in my new name. However, XXXX XXXX confirmed they couldnt assist with one of the five checks because it had already been cashed by Wells Fargo. A year has now passed, and I have yet to receive the funds. I have documentation supporting my claims, including emails with XXXX XXXX, Wells Fargo statements, letters regarding the account closure, the old checks in my former name, stubs of the new checks in my current name ( except the one cashed by Wells Fargo ), and my name change decree.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Consumer complaint received 2023-03-10
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: Velocity Portfolio Group (LA)

CKS PRIME INVESTMENTS has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2020 USAA Federal Savings Bank received a deposited check in the amount of {$3400.00}. They made {$1000.00} available and put on hold {$2400.00} for four days, in which they released the funds after that time, I called the bank to inform them that fraudulent activities might have taken place with my account, the fraud department puts an additional hold on the check and another deposited check for {$840.00}, the bank informed me that the account or check was blocked, I never received the check for {$840.00}, however they're attempting to hold me accountable for the funds. I wish to seek remedy with the usage of the UCC laws, and banking obligations to customers, my money is suppose to be insured, I would like to file a lawsuit if possible for the FDIC insured money in the amount of {$250000.00}.
Consumer complaint received 2020-01-24
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. (MD)

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX XXXX where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am writing to express my deep frustration and formally file a complaint regarding an international wire transfer issue that has caused me significant financial and personal distress. I have encountered unreasonable delays and a lack of cooperation from both XXXX XXXX  and Bank of America throughout this process. Below are the detailed circumstances of the matter : 1. Transaction details : Sender : XXXX XXXX ( Myself ) Sending Bank : XXXXXXXX XXXX  Intermediate Bank : Bank of America Recipient : XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX, XXXX Transfer Date : XX/XX/year>XXXX  Amount : XXXX USD 2. Problem Description : Despite initiating this transfer on XX/XX/year>, my friend XXXX has not received the funds for over a year. I repeatedly contacted both PNC Bank and XXXX  XXXX XXXX to investigate the issue, but neither institution provided clear or helpful responses. XXXX XXXX  informed me only after prolonged inquiries that the funds were held by an intermediate bankBank of Americadue to a suspicion of potential involvement in XXXX activities by the recipient, XXXX. 

3. XXXX License Requirement and Lack of Assistance : Upon learning about the hold, XXXX XXXX  instructed me to apply for an XXXX license to release the funds. However, XXXX XXXX  XXXX Sanctions Team and Retail Support Group have been uncooperative, continuously passing responsibility without providing any meaningful support. For a long time, I was unable to even contact Bank of America to understand the issue, which delayed my ability to apply for the XXXX license. After persistent efforts, I finally received some updates from XXXX XXXX, but the prolonged delay has resulted in serious personal consequences. 

4. Legal and Personal Impact : My friend XXXX, believing I misappropriated the money, has initiated legal action against me in XXXX. I now find myself in an untenable situation, having to defend my innocence in court. This matter has caused me significant emotional distress, and I am now seeking immediate cooperation from both XXXX XXXX  and Bank of America to resolve it. 

I am prepared to provide any additional documentation, including transfer details, communication records with XXXX XXXX, and recordings of past conversations. I have exhausted every available avenue to resolve this matter, but the lack of cooperation between the involved banks has left me feeling helpless. 

I kindly request that you treat this matter with the utmost urgency, as the ongoing legal dispute and financial loss continue to cause severe hardship. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am filing a complaint for requesting unnecessary documentation to validate a debt.

Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (AR)

Credit Corp Solution has reported false information to at least 2 of the 3 major credit bureaus ( XXXX and XXXX ) -- see attachments. They are reporting that " Credit Corp Solution '' is the " original creditor. '' That is false. I have never transacted any business whatsoever with Credit Corp Solution and I have never incurred any debt with them. This appears to be a deceptive attempt to re-age the debt so that it will stay on my credit reports longer than allowed by the Fair Credt Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/year>, Bank of America are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on Bank of America 's side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system. 
Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.
Consumer complaint received 2024-10-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC (CA)

Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI Creditor Letter stating that I am a victim of financial fraud in a federal division.
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XXXX US bank allowed my cash to be stolen from my account XXXX at XXXX and XXXX branches from someone using my identity at the branch. I called us bank on XXXX they informed me to go to the branch, i went to the XXXX XXXX branch XXXX alerted the branch manager XXXX, she stated i could not file a claim until i had gotten a police report, including telling me she did give my money to someone who looked like me thru drive thru. {$3700.00} was stolen, it placed me in a immediate hardship leaving me homeless. I requested my funds be replaced and i continue getting no where. Im a victim of identity theft. My vehicle was hit in a accident leaving me without funds to repair my only transportation. XXXX was very rude in conversion she is part of conspiracy to discriminate against me changing my ein on my account unauthorized. The XXXX branch tellers was going into my account stealing money and giving my personal information to associates of theirs upon request not following the privacy laws and allowing multiple debits from vendors on purpose in all XXXX. US bank has accepted money and other tokens from high government officials to discriminate me personally, US bank stole my XXXX XXXX XXXX XXXX when i was 80 days behind on payment and demanded i pay the full loan amount to get my vehicle back by paying the two months i was behind, one reason for the discrimination is because i authored a book ( XXXX ) stating facts, knowing the conspiracy Donald Trump and his cabinet members are entangled in with the other nations, it is a retaliation.