davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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. (OK)

I have submitted multiple requests to have student loans removed off my credit report. I have submitted proof that this needs to be removed. I have had to call multiple times. Im tired of deal with this. It should have already been removed.
Consumer complaint received 2021-05-13
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: Radius Global Solutions LLC (FL)

I have received alerts within the past few weeks from all 3 of my credit bureaus showing that a collection company called Radius Global Solutions has entered two new collections into each report. I do not recognize either and have no idea what these accounts belong to. I have never received any communication in writing, by phone, fax or otherwise from this company or anyone representing them stating what this is for, who the original creditor is or anything else. All I know is the amounts are for {$850.00} and {$72.00}. 

I am including screenshots of the most recent ones.
Consumer complaint received 2021-05-13
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. (TN)

There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2021 I applied to rent an apartment in XXXX XXXX. I sent {$3100.00} to what i thought was the leasing agent. When I went to pick up the keys I found out it was fraud and there was no apartment. I contacted bank of america to report fraud and they opened a claim # XXXX. 

They responded and said there was nothing they could do because i submitted the wire transfer. 

I contacted the police and filed a police report XXXX # XXXX officier XXXX XXXX XXXX. 

I also filed a CFPB claim XXXX with XXXX and they responded saying they will return the money if BofA sends them the proper indemnity letter. XXXX claim XXXX phone XXXX. 

I called BofA and they are refusing to send the letter. 

Police have verified fraud, XXXX has agreed to send money back and yet my bank, BofA, does not believe it was fraud and will not send the form.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get lvnv funding to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

We have setup a Auto payment plan over three times now ( in person and over mail ). We have continued to get billed late fees and charges at which we can not control at this point. We have been billed over {$300.00} extra dollars in late fees after we have tried to fix the problem for two months now. FNB had not been helpful and continued to tell us to just fill out a form and mail it in ( which we have done over three times now ). We now owe more money on a car loan than we started. We thought we could trust in the the bank with the loan set up for us but have been constantly let down.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please update all of my personal information on XXXX, Transunion and XXXX.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH XXXX.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

You have just closed my complaint based on FALSE response submitted by Selene Finance Company. Selene is a criminal enterprise that should be shut down. CFPB should at very minimum review MY statements received FROM Selene Finance and the statements that Selene sent you directly. You will then see they have falsified the statements sent to you. 
Granted, they have stolen only a mysterious {$53.00} sent to escrow for no reason. This is to cover up the TWO late fees they charged. 1. Selene charged a late fee of {$49.00} on XX/XX/XXXX, 16 days after receiving the loan. Contrary to federal law. 2. They charged a late fee again on the payoff statement. Contrary to federal law within 60 days and additionally without basis. Both these items, XXXX statement and payoff quote are attached. You will see they told ME it is a late fee. They told YOU the funds have gone to escrow. 

Clearly, I am XXXX during my day job, this is a laughable matter for me. I had the funds to pay off this predatory company in full. CFPB owes it to the consumer to protect them. You must get numerous complaints from consumers who do not have the means to pay off and get away from this predatory company. You MUST strengthen consumer protection and here you have the tip of the iceberg. Please protect consumers in general and specifically from Selene Finance. This is text book predatory mortgage company. You are literally there to pick these low hanging fruit and put them out of business. 

Moreover, how can they charge me a late fee, twice, illegally and all within the 60 days they note in their initial response to you??? Then submit falsified docs to you and you close the case. This is NOT acceptable. 

If they claim they have emailed, that too, is a lie. They have sent twice, an email with something that is not able to be opened. I requested my company IT to try to open attachment and we are not able to even get to a step that might try to open.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

On or around XX/XX/XXXX I rented a car from XXXX XXXX. I was told by XXXX at XXXX that he would honor my Esurance daily rate. XXXX advised I could rent the car up to 90 days being that we werent sure how long my vehicle would be in XXXX XXXX being repaired. I was told to stay in communication with XXXX at XXXX to continue to extend the weekly vehicle rental which I did & have documentation to prove. I was also made aware that the rental charges would be due upon returning the car. Within the time frame of 21days, XXXX XXXX Car went into my business bank account and withdrew various amounts of money from my account and held the funds for several days. This was without my knowledge or consent and definitely unauthorized which caused excessive fees in the amount of {$35.00} per transaction which totaled 21 times. Wells Fargo Fraud Department reached out to me XX/XX/XXXX ( approximately ) as my bank account was in the negative and I was advised to put a Stop Payment on XXXX as this was not legal to do. I had a significant amount of funds in my account at the time however my financial responsibilities were in jeopardy because the funds werent available when my bills needed paid! XXXX would continue with this until I placed Stop Payment which I did & on XX/XX/XXXX, Wells Fargo requested documentation that I didnt have access to at the time however I repeated my concerns in regards to the account bouncing and all the fees I was assessed. On XX/XX/XXXX I was made aware that they refuse to honor my stop payment & withdrew over {$1400.00} out of my business bank account. I have struggled enough with this pandemic as it is & refuse to allow my bank to financially XXXX me.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

At XX/XX/2020. My dad sent my Binance.us wallet  XXXX ETHs. When sending crypto you got networks to do it my dad sent it with the wrong one. So I wasnt able to receive my coins. A week later Binance.US blocked my account withdrawals and locked 3 more ETHs to my account. They are worth XXXX $ dollars. I contacted the binance us about the situations that I was having they asked me some more documents to re open my account I provided them. The also told me that they would help me recover my coins in exchange of XXXX BTC and tolde me it would take 3 weeks to recover and refund them. Now we are in the middle of XXXX and 6 months no help at all. In this process they didnt even reply to my mails for months. Finally I was in communication with them through XXXX They asked a cypto wallet address to refund my assets to. I provided and started waiting. A month is passed again but no news they just say they escalated my ticket or they are working on all refunds. I dont think they are working on the tickets. And I think they are XXXX  me everytime I ask my coins. My lost coins are worth XXXX and I want to have them. I believe they might have stole my coins.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CA)

The company said the information was obtained from a creditor whom had my personal information. I explained to the company that I do not live nor work in the US. I have been working in the XXXX since 2015. The address associated with my name is a PO Box and information pertaining to me had been used to fraudulently open and use those accounts ( XXXX XXXX XXXX XXXX ). The company in question said it's your name and thus, these are your account. I submitted my police report and verifiable information about my identity. Still, the company ignored the obvious and posted fraudulent information on my credit reports.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (IL)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/2021 My account was switched from simple online bank to bbva compass bank. I was assured my login credentials would work but I'm unable to access my account. I was lied to several times by their call center representatives. I would be told that they can help me or I would be transferred to the correct dept only to be hung up on or sent to the main menu.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Good day .My name is XXXX XXXX and my account in Chase ends ... XXXX .I would like to originate a complaint against Chase Bank because an abusive plan to rich to profit plan from thousands or may be millions people misfortunes during corona virus low resources in addition to report abuse on the good will of federal help people with the recent stimulus {$1400.00} per person check. The reported incident happens when i discovered a recent charge of - {$53.00} that took my balance over - {$43.00} over the limit in my account. 
The amount is not a large amount but if you applied that to thousands or millions of Americans will mount to millions of dollars of profit to them to the expense of working Americans and does not seem right and complained to them right in their front lobby in front of waiting customers and they did nothing to remove fees or else and all they told me with all their arrogance if wanted to close the account and told hem that they may take my {$53.00} but will take them to the consumer protection agency, the US gov and state attorney office because do not think is right especially when people are coming out of a one of worse US crisis. Their response was that at the time i deposited my check back my account was light over the limit and as a " courtesy '' the will deposit my check of {$2800.00} and i responded to them that have many banks account to deposit the check but i decided to my misfortune to deposit with Chase because trusted them and they never informed me at the time that the - {$53.00} will come my way later at the time of my deposit. i made a copy of the fee and how it affected my account and sure millions of Americans if needed to further fill additional data to the complaint
Consumer complaint received 2021-05-13
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: CARD Corporation (AZ)

I'm XXXX I requested my statement mailed to me as i didnt have online access and my balance didn't add up. When i received the statement I immediately filed a dispute with card.com to let them know I didnt nake the transaction of over XXXX $ on XX/XX/XXXX. I filled out there form and I guess it was not done correctly. When entered into their system even though I included an explanation with the form. I had just been patiently waiting.. Knowing that my agreement with the company stated i would receive the credit in 10 business days if the investigation was still on going. Around XX/XX/XXXX I had used a promotional offered to me of a free night at a casino resort. The required a deposit I was promised to get at checkout. That didn't come back to me. I got all required and requested information that I could obtain from several employees receptionists managers snd supervisiors. This info was faxed emailed and upload it to my account. When I called the customer service I realized. They still hadn't fixed my dispute. When I ask customer service agent for an update they told me that I would not be receiving a provisional credit because I didn't qualify for some reason. A question of dispute team about my agreement that stated I would get the credit and again they could not give me a reason. For 4 days I attempted to contact somebody who could give me some type of answer but only received rude responses and false hope of somebody calling back. So I feel they are breaking the contract.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (VA)

I purchased my car on XX/XX/XXXX with cash from Carvana. I received my registration for the car XX/XX/XXXX. I have not received my title and today is XX/XX/XXXX. 

I have contacted the company multiple times between XXXX and now to let them know I urgently need my title because I am now planning to move out of state but they have still not provided me with my car title. This is now affecting my ability to register my car in my new state, affects my residency status, as well as my taxes.
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

I went on COVID forbearnce last XX/XX/2020. I've been trying to come off forbarence since XX/XX/2020. I've called at least 4 times a month to check on my status and they keep extending my forebarnce. I don't know what else to do and they won't elevate this issue. I will now have a partial loan for much more money than I expected because they haven't processed me coming off of forebarance.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

World finance is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the World finance to correct their error immediately with no progress. 

I also have an letter here from World finance for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and World finance! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (OH)

XX/XX/XXXX - used preapproval offer to make credit application- Net credit does hard inquirey XX/XX/XXXX - received email saying work verification documents required XX/XX/XXXX - sent all required documents XX/XX/XXXX - NetCredit withdrew my application because I didnt send documents on time. 
XX/XX/XXXX - started another application on advice of NetCredit customer rep. 
XX/XX/XXXX - sent required documents XX/XX/XXXX - NetCredit withdrew application because didnt have documents in time. 

Please stop NetCredit from providing credit services. They are wrongfully using my credit information without giving me an approval or disapproval letter.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened an account online with SunTrust Bank, received my debit card and used the account and without notice it was closed. Mind you, in between time, I opened an account for my business as well which they sent me checks for and then closed! I was told it was because of rules and regulations. That was it! No letter received or anything else. One person said it was because of fraud and I needed to go into the branch. Well I did that yesterday ( XX/XX/21 ) but today I was told when I called to check on the status that it was in the process of being closed. What the heck! I don't owe SunTrust any money, my credit is good, I have employment and a business and I am a former employee! I am a XXXX year old XXXX woman and highly offended! This feels like discrimination!!