davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BULBUL INVESTMENTS LLC (NY)

I would like to re-open the case XXXX. 
The company did not complete the transactions as stated in their response from XX/XX/2021. 
It has been over two months since you received the following response and nothing happened. 

Company 's Response Dear XXXX XXXX and CFPB Team, We have reviewed your complaint carefully and identified the root cause of the issue, as well as a resolution that we hope you will find satisfactory. XXXX XXXX requested closure of his account on our platform and transfer of his remaining XXXX to a destination wallet hosted by " XXXX ''. Under the current XXXX record keeping and funds travel rule ( FTR ) regulations, XXXX companies must collect, retain, and transmit information related to funds transfers over {$3000.00} to all companies involved in a transfer. We have made multiple attempts to contact the destination XXXX company and file a FTR for XXXX XXXX through phone, email, letter, and helpdesk requests, but have not received any response. As a result, XXXX XXXX is among our final few pending customers. We have been in communication with XXXX XXXX throughout this issue. To resolve this complaint, we have notified XXXX regarding the XXXX filing problem and scheduled XXXX XXXX 's XXXX XXXX transfer in full. Sincerely, XXXX DESCRIPTION OF NON-MONETARY RELIEF Dear XXXX XXXX and CFPB, To address your complaint, we have queued up your full remaining balance of XXXX XXXX to be transferred to the XXXX address provided by you. We will update this answer with a transaction confirmation ID as soon as your balance transfer transactions are confirmed by the XXXX network. Sincerely, XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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Consumer complaint received 2021-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisXXXX and Experian as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WA)

On the PNC mortgage website, I navigated to the option for changing my automatic payments. I increased the amount I pay them from {$2000.00} a month to {$2000.00} a month. Since I've done that, they are now taking out {$4000.00} per month from my account. On XX/XX/2021 PNC took out one mortgage payment for {$2000.00} and a 2nd payment for {$2000.00}. I called them and spoke with a representative. They refunded my money via a paper check 15 days after the incident had occurred. The representative was asked to remove the automatic payments in the future of the {$2000.00}. He said this was taken care of and that I would have no further instances of this happening. However, XX/XX/2021, I had the a payment withdrawn for {$2000.00}. On XX/XX/2021 an additional {$2000.00} was taken out of my account as well. I called them and told them they need to cancel the payment or wire the money to me because I am out of town and need the money. They refused and said it must be sent through paper check, again. This was supposed to be resolved when I called them around XX/XX/XXXX but they failed to fulfill my request and are continuing to withdraw double the amount I owe on my mortgage.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TX)

We are in the process of purchasing a home from Dr Horton in XXXX TX. We were offered a 4.99 % interests rate and up to {$10000.00} paid towards our closing costs, if we went through there lender DHI Mortgage. After weeks of working with them they said we were qualified. A little over a week ago they wanted a letter of explanation for differences in XXXX 's from XXXX and XXXX taxes. That was sent, now it is because my company is not liquid enough. I have sent everything they have requested and we are still getting the run around. I spoke to our loan officer and requested to speak to her manager. She gave me his number and assured he would call me when he got out of meeting. I called him later and it goes straight to voicemail and he has not contacted me at all. 

We bought a vacation home this summer and was qualified and purchased the home and that Mortgage Company had all the same XXXX and XXXX information the DHI Mortgage has received. I Actually sold my primary residents to down size with this home in XXXX and all costs are going to be less, but yet we do not qualify with credit scores hovering around XXXX. We have not even received an executed contract signed by the seller. 

My home has sold and we close tomorrow and only have till the XXXX of XXXX to get out on lease back. I was told today that our applications was denied and agin no-one in management will talk to me directly to explain why. The loan XXXX has not given me a understandable explanation with facts. 

We think it may be to get out of 4.99 % interest and paying closing cost when they know we are tied in at this point.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IA)

I went to withdraw {$200.00} from an ATM, using my CashApp card on XX/XX/2023. Due to unforseen issues, the ATM gave me {$60.00} cash of my requested {$200.00} amount. The full {$200.00} amount was deducted from my CashApp card. I have tried resolving the issue of the missing {$80.00} funds with both the ATM company- XXXX XXXX, and CashApp. I have contacted the ATM company about this matter and was told by their agents that I would have to request an EFT dispute with CashApp in order to receive the {$80.00} that was verified ( by the ATM company- XXXX XXXX ) to be jammed in the ATM machine. I have requested the EFT dispute with CashApp 2-3 times today ( XX/XX/2023 ) with a different agent each time, and each time they have refused to send the dispute forms. I have already submitted a complaint with the XXXX XXXX XXXX  I am at the point where I will withdraw the remaining funds from my CashApp card, delete my account and destroy my card. Their customer service is horrible and asking to speak with a supervisor only gets you being told " we don't have one that you can speak to. ''
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Over the weekend, XX/XX/XXXX - XX/XX/XXXX, I received an alert when attempting to log into my XXXX account. The alert said that the online account had been locked due to fraudulent account access and that I would need to call in to unlock the account. I called in over the weekend and spoke to customer service. They informed my the department that could unlock the account wouldn't be open until Monday. So, I called back Monday morning and got the account unlocked. Fast forward to XX/XX/XXXX and the account gets locked again with the same fraud message to call in. So, I call in and get the account updated and unlocked. The gentlemen informed me that he needed to get me over to the credit card fraud department as there was a flag on the account. That department informed me that a large amount of rewards points were transferred out of my accounts and also gift cards were redeemed. So, the submitted a fraud claim to get that resolved. At that point we got with customer service and further reviewed the account to find out that someone gained online access to my account from XX/XX/XXXX - XX/XX/XXXX. The fraudster updated the email address in the profile to maintain access of the account. Further investigation with the Chase Customer Protection Group revealed that the fraudsters made multiple attempts to access the account on the 16th and finally called in to Chase customer service to answer some generic security questions. After that call was made, the fraudster gained access to the online account. They then proceeded to update two of my existing ACH vendor payee accounts with their bank account and routing information. Then they sent out three fraudulent ACH payments that appear to be going to legitimate vendors but in reality the money was sent to the fraudster 's bank account. These ACH payments total {$13000.00}. In addition, they transferred out over XXXX rewards points and made gift card redemptions online. I have called and spoken with numerous people in the Chase claims department, but they don't seem to be talking to their other departments and putting the puzzle pieces together like I have described above. I was just informed that the pending claim was going through to be denied. Ultimately, Chase 's Customer Protection Group agrees that the account was compromised by and individual whom they gave access to via a fraudulent phone call to customer service. Yet their claims department is denying any fraud occurred and denying the ACH claims. I haven't even been given a straight answer if XXXX has reached out the the bank the funds were sent to to try and get the stolen money back. The bank name, routing number and account number are all shown in the ACH transactions.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (TX)

I have spoken with multiple associates of RS Clark & Associates. I have asked them multiple times to send me debt validation and they have stated that they sent it to me once and would not send it out again. I never received anything to my address which they stated they sent to and they have claimed that I have lied about not receiving the letter. They call me almost every day. XXXX times I have had to ask them not to call while I was a at pediatrician appointment with my premature baby and they still called back again. I do not understand why they keep calling me after I asked them not to call me until they sent me a debt validation letter. They claim I owe XXXX XXXX {$200.00} but have refused to send me any debt validation.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I contacted the creditors who placed the inquiry, and asked them to remove their credit inquiries from my credit profile. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. Delete these inquiries!!! Im not having a company send this this is XXXX XXXX!
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - We issued a check for {$11000.00} payable to United States Treasury in payment of quarterly tax ( Tax Year XXXX Form XXXX ) and mailed this check at the post office located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 
XX/XX/XXXX - We received a bill from Dept of the Treasury Internal Revenue Service by mail, notifying us of changes to our XXXX Form XXXX which resulted in taxes owed for {$11000.00}. 
- We reached out to our CPA for advice regarding IRS letter, raising the issue of why we owed taxes. Our XXXX instructed us to verify the check payment made on XX/XX/XXXX and provide details. 
- We retrieved the details of the check from Chase Bank online. That's when we became aware of alteration to the check. The check was altered, payee was changed to " XXXX XXXX '', my signature on the check was forged. 
- We filled out Form XXXX XXXX Power of Attorney and Declaration of Representative XXXX. provided by our CPA to be able to contact IRS in our behalf about the notice and assessed penalties. 
XX/XX/XXXX - We contacted Chase Claims Department XXXX XXXX XXXX ) to file a claim, went to the local branch to get the form ( Declaration of Unauthorized Endorsement or Altered Item ). 
XX/XX/XXXX - We filled out the Form ( Declaration Of Unauthorized Endorsement or Altered Item ) provided by Chase, returned to the local branch and had the form faxed over to the Claims Department. 
XX/XX/XXXX -We contacted Chase Claims Department ( Reference Case # XXXX XXXX for follow up. We were informed that our claim was denied due to the time it took us to file this claim. Chase personnel stated we only had 35 days to settle from time of discovery, and since it was filed almost a year later, they no longer have the ability to recover the amount.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I discovered that Jefferson Capital LLC reported a collection account on my credit report without prior notification. I believe this debt is inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt, asking for specific documentation to verify its legitimacy. However, I have not received any of the requested information. Despite this, the debt is still being reported to the credit bureaus, which could be considered false or misleading. Reporting a debt without proper validation implies that the debt collector knows it belongs to me, which is not the case. This also violates the Fair Credit Reporting Act ( FCRA ), as the debt has not been marked as disputed on my report.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AK)

I am not going to chase all this call this call that. That's your responsibility. I will however keep on filing this report until things get resolved. 

If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. 

# 1 I have never even met any of the aprtment rental ppl due to pandemic.

# 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. 

# 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. 

You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

Jefferson Capital System has placed a derogatory item on my credit report owing {$2600.00} on behalf of XXXX XXXX. I have no knowledge of this account and it was opened fraudulently. According to FCRA Section 605B, it is illegal to report without my permission. Please remove this from my credit report immediately.
Consumer complaint received 2022-02-22
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (TX)

Hello, I had my car refinanced through XX/XX/XXXXback in late XXXX. In early XXXX, a payoff check was sent by XXXX and XXXX ( new lender ) to Bridgecrest to payoff my loan. Bridgecrest received the check on XX/XX/XXXX. XXXX and XXXX noted they had the wrong amount sent on XX/XX/XXXX, so they reissued a new check with the correct amount and put a stop payment on the 1st check. Bridgecrest received the 2nd check and proceeded to sit on the check until XX/XX/XXXX when they finally attempted to cash it over a month after receipt. XXXX and XXXX sent a 3rd check that was received on XXXX XXXX by Bridgecrest. That to this day, Bridgecrest has failed to apply to my account. During this time, I was not notified that the checks weren't cashed. As I received an update on my credit report on XX/XX/XXXX. That stated my Bridgecrest account had been closed. However, on XX/XX/XXXX around XXXX, I received a call from Bridgecrest stating that they needed to speak to the new lender due to the checks having some issues and they wanted me the customer to contact the new lender for them. I obviously was unable to speak to anyone at XXXX  or XXXX  due to the time I initially received the call. I suggested to XXXX that, they normally make contact with the lenders with regards to checks and that has nothing to do with me so I advised they continue to try to contact XXXX  or XXXX. On XX/XX/XXXX, my vehicle was repossessed without warning. When I spoke to Bridgecrest they stated it was due to lack of payment, which made no sense as I hadn't been notified that my vehicle was at risk of repossession. I think made several attempts on XX/XX/XXXX and XXXX to resolve the situation with XXXX along with XXXX involved in the matter with no avail. As Bridgecrest, constantly was stalling telling me that there was no one that could verify the check being received back in XX/XX/XXXX, yet I was never given an option to speak to anyone who had knowledge on fixing the situation. I was constantly referred to having to " wait '' until a manager can resolve the issue. However, here I am 9 days since the repossession and no further along in getting a clear understanding from Bridgecrest. The only thing I'm told it's my fault to keep the account current, which has no standing since the account was closed on XX/XX/XXXX, but yet reopened by Bridgecrest. This company received a payout 3 months ago and this issue is still not resolved. Bridgecrest is without a doubt the most incompetent and fraud ridden finance company in existence.