davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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. (GA)

ON XXXX XXXX XXXXFirst I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 XXXX a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

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 asked 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 commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Original ( vehicle ) loan was with XXXX in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with XXXX. XXXX was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to Capitol One. XXXX stated Capitol One adopted the loan account and would be responsible for the lien satisfaction statement. Capitol One title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. Capitol One XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold, hence why I'm discovering this issue now. New buyer needs this for title purposes. DMV reflects the lien as still " Open ''. A lien satisfaction was never received by either XXXX or Capitol One.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX is asking me to pay over XXXX. I have not had any late or outstanding debt since a Chapter XXXX bankruptcy in 2012. My credit reports don't show any unresolved debt. They say the debt came from Citibank. What should I do?
Consumer complaint received 2021-03-29
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. (CA)

I have 2 accounts in collections on my experian reports, I have submitted paperwork to prove this is not my accounts, I have spoke countless times with experian and they have a green multiple times that they will be taking these accounts off, it has been over 2 months now and this is affecting my family!!!
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without (  a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My mortgage was recently transferred to a new service provider, Lakeview Loan Servicing LLC effective XX/XX/2021 XXXX loan # : XXXX ). 

I have been up to date on every single mortgage payment ( overpaying my mortgage in-fact, towards principle ) and made a regular {$2500.00} mortgage payment to my previous mortgage service provider on XX/XX/2021. The previous mortgage service provider, XXXX XXXX XXXX XXXX ( Loan # : XXXX ), received my payment and for XX/XX/XXXX and then confirmed they passed on the payment to my new service provider effective XX/XX/2021. 

However, my new mortgage service provider ( XXXX XXXX XXXX ) says they have yet to receive the XXXX mortgage payment that I paid to XXXX XXXX XXXX and has since called me every single day asking me to make the payment. I've received calls, voicemails, and letters from them to make the XXXX payment -- despite the fact that the payment was confirmed to be passed on by my previous mortgage service provider. 

Can you please track down whether Lakeview Loan Servicing LLC received my XXXX mortgage payment from my previous mortgage service provider and have them apply it against my mortgage balance please?
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I was approved for a personal loan with a cosigner. During the verification process I and my cosigner uploaded our social security cards, driver 's licenses, voters registrations, military identification, utilities bills with cosigner address that on credit report, incomes, and my phone bill with straight talk which is the only current utility bill I owe on. Pedfed still will not give us the loans and repeatedly requested that I uploaded my social card and identifications that I already uploaded several times. I feel I'm being stonewalled around by Pedfed because they're denying us the loans by repeatedly asking for information that we already uploaded or information Pedfed know we can't produce. For example, Pedfed asked my cosigner my fiancee to upload an utility bill from my prior address that belong to my parents and she not ever live there. My parents address is the address I lived before my fiancee and I moved in together. I called Pedfed and explained this to a bank manager and got no results. I feel I'm being discriminated against by Pedfed using the verification process to deny me a loan by requesting information I sent Pedfed multiple times or information Pedfed know I can not produce because it doesn't exists like asking fiancee for a utility bill from my parents address when she sent them a utility bill that matches up with the same address on her credit report.
Consumer complaint received 2021-03-31
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. (OH)

I have been unable to reach TransUnion Credit bureau by phone since XX/XX/2021 and still cant. They dont give options to speak to a live person at number XXXX I did a thorough check of my credit report and notice that a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Account number # XXXX has been inaccurately reporting on Transunion credit bureau. I mailed TransUnion out a certified letter on XX/XX/2021 attached were the proof of the different account opening dates front the same collection agency along with other fraudulent accounts and asked for the items to be investigated and deleted immediately. I took pictures of my dispute letters, my identity and my certified letter and also my incorrect reporting on my credit report. TransUnion has not contacted me back nor have they opened a dispute on my file and I have tracked my certified letter TransUnion has received it already. 

This inaccurate reporting of opening dates is illegal and getting in the way of me getting employment and housing I hope you will be an advocate and help hold TransUnion accountable. Ive also mailed letter to the actual collection agency and no response.
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION (VA)

I opened an installment loan on XX/XX/XXXX. I then set up automatic payments. For 3 years, my automatic payments processed successfully. On XX/XX/XXXX, my final payment was due. With no notification to me, BBVA did not process my payment automatically. I was then charged interest until I discovered that the payment had not gone through on XX/XX/XXXX.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for a business credit card account for : XXXX XXXX XXXX. 
I was denied indicating a number of accounts are in delinquency ( NO TRUE ). No accounts are in delinquency. ( PLEASE see document submitted ). 
The account I applied for is NOT a personal account, which I already have. I applied for a business account for a new start up business, under the sponsorship of the XXXX XXXX XXXX.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I started the refinancing process in XX/XX/2020 and I've been put off and pushed back so many times I've had to always reach out to the company to find out where my loan is nobody 's never made contact with me.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I purchased a product online from the company XXXX, which was cheap but came with a $ XXXX subscription for coaching, starting in 7 days. I didn't want that so I called their customer service next day to cancel it - and found it was impossible to get through. Because of that I went online to see what was said about this company, and found that their reputation was terrible. 

For this reason I sent the product back immediately. I had paid by credit card, with Citibank. I placed a lock on the card right away, and got notification from Citi that the lock was placed on XXXX XXXX. Citi reversed the charge I had made for purchasing the product, and the lock was on the card before the 7-day period was up, which would be XXXX XXXX, so I thought the matter was resolved. 

However, Citibank put through the {$77.00} charge on XXXX XXXX! I asked that the charge be reversed ; Citibank replied with a letter from the merchant demanding that the charge be reinstated and therefore not reversing the charge.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX Credit Card : I received credit card and utilized an estimate of {$300.00}. I was making my regular payments of {$29.00} per month. I paid the {$29.00} for approximately XXXX XXXX XXXX XXXX months. Unbeknown to me the payment was changed from {$29.00} to {$42.00} even though I continued to pay the {$29.00}. Once the payment changed to {$42.00} and my payment of {$29.00} was received I was billed a {$13.00} negative amount and the account was closed for late and less than what I owed. I never receive a request to pay {$42.00} instead of {$29.00}. However, a negative report was sent to the credit bureau and caused my score to drop XXXX points because the card was close. After the account closed and XXXX XXXX dropped it dropped another XXXX points. 

This has caused a negative effect on my credit. I want XXXX XXXX to correct the credit report and explain why my payment was increased without my knowledge. Especially since the payments was made in the correct amount for over months. Now I continue to get advertisements and I want that to cease and desist. XXXX XXXX even sent me a copy of the credit card that they closed.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I the consumer was affected by XXXX and had some financial hardship and had a late payment placed on my consumer reports by CAPITAL ONE in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including CAPITAL ONE to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call CAPITAL ONE to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to CAPITAL ONE and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6 years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to CAPITAL ONE headquarters on XX/XX/XXXX.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

I never received validation notice from Waypoint because XXXX never sent them my updated address ... I called XX/XX/2021 and provided my mailing address. They told me the validation notice was just sent yesterday. I am requesting Watpoint remove this from all 3 credit reporting agencies because they failed to provide validation notice. On XX/XX/2021 I let the representative know that I dispute this account. If they do not remove this from my credit report I will retain council. The waypoint account number is : XXXX.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I met this guy in XXXX named XXXX. 
We talked for a minute about selling shoes to each other. He seemed pretty legit. He sends me pictures of shoes he can send to me. 
I end up sending him two separate payments for two pairs of XXXX XXXX XXXX XXXX on Cash App. Its been over a month now. I havent received anything. He still responds to text but never answers the phone. He tells me his accounts are frozen : XXXX, XXXX XXXX, XXXX, & Cash App. He sent me a picture of his XXXX XXXX  account. It was in the negative. I definitely can confirm that he is a scammer. He has recently told me that his job only pays him in cash and he has no way to send me a refund. 
Ive requested a refund already and contacted Cash App support. Cash App supports says there is nothing they can do. 

Two separate payments were made : 1. ) Date : XX/XX/2021 2. ) Payment Amount : {$390.00} 3. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded. 

1. ) Date : XX/XX/2021 2. ) Payment : {$300.00} XXXX. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded.
Consumer complaint received 2021-03-30
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. (MD)

I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a negative item on my Fica Experian Report. The Account is with XXXX XXXX - XXXX XXXX Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was XXXX XXXX XXXX  it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy XXXX XXXX XXXX XXXX. Final Decree It is ordered that has been fully administrated. Chapter XXXX  discharge. 
Dated XX/XX/2011. XXXX XXXX can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!
Consumer complaint received 2021-03-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I SENT A DISPUTE TO EXPERIAN IN REGARDS TO A UNVERIFIABLE BANKRUPTCY, EXPERIAN VERIFIED THE BANKRUPTCY, I CONTACTED THE COURTHOUSE THEY SAID THEY DONT DO BUSINESS OR VERIFY ANYTHING WITH THE CREDIT BUREUAS.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MA)

On XX/XX/2021 I was looking to invest into cryptocurrency. I found an app called Gemini Trust LLC and I opened an account and deposited {$100.00}. My bank clears deposits within XXXX to XXXX business days. I went into the account to check and see if my verification had processed but 14 days had passed and I became worried. I contacted Gemini by email but I received some type of Automated response which I never received any help afterwards. I found a phone number for XXXX XXXX and I called the phone number but someone on their end kept on hanging up the call. I called and left a message and within XXXX minutes the call was answered by some XXXX guy. I asked him why did I not have access to withdraw my money and he said that my verification was processing but I told him that 15 days had passed and I was worried about fraud. He kept on assuring me that it wasnt fraud and that maybe my bank hasnt cleared my deposit. I went ahead and contacted my bank and they told me that the deposit had cleared and that XXXX XXXX had my money and there should be no issue with me making a withdrawal. Its XX/XX/XXXX today and my account is still saying pending verification and I still cant make any withdrawals from my crypto wallet. I believe this company is doing something fraudulent because I read many concerning reviews from other Consumers who are also experiencing the same situation. This company needs to be investigated immediately.