davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (WA)

Received a letter from " Credit Control LLC '' with a business address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter stated that the current creditor is " XXXX XXXX XXXX ''. The letter stated the original creditor was " XXXX XXXX XXXX XXXX '' for the amount of {$1900.00}. I do not have any recollection of a purchase for that amount or from that company. 

I XXXX searched XXXX XXXX & Credit Control LLC and it had hundreds of reviews stating it is a scam. To confirm, I called XXXX XXXX XXXX XXXX requesting information on the purchase as it was not something I recognized. XXXX XXXX XXXX XXXX looked through their data bases- they confirmed there was nothing with my name, XXXX XXXX XXXX, email or phone number associated with any purchases at their store ( XXXX ). However, my credit karma account is showing XXXX as a delinquent account opened on XX/XX/year>. I would like to get this dropped from my credit.
Consumer complaint received 2024-06-20
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: Westlake Services, LLC (SD)

For the last month I have been trying to get my Lien release from Westlake Financial. When I first contacted them they informed me that my insurance ( XXXX ) had my title since they were the ones who paid it off. I was able to get in contact with XXXX and they told me they didn't have the title and they wouldn't be the ones to receive the title. Eventually I was able to do a conference call with a supervisor with XXXX and a representative from Westlake. The representative kept telling us that they had already sent the lien release back in 2018. The supervisor informed the representative they never received it and to send another lien release. They refused to do so. The supervisor from westlake asked to speak to their manager. The representative rudely stated he has no managers and transferred us back to the main menu. I tried many many more times than that to get my title lien release but they kept repeating themselves. Eventually, I was able to get the supervisor from XXXX on the phone with a manager from Westlake. The manager took down my address and claimed they sent it. That was about 2 weeks ago. I called about a week ago to check on the status to see how long till it arrives and they're stating the sent it back in 2018 and didn't send a new one. They're REFUSING to send me my lien release. I never got one in 2018. XXXX never received it in 2018. I have attempted to talk to a manager 5 times since then but I just get put on hold and they never return I get sent back to the main menu again. I JUST WANT MY LIEN RELEASE!!
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF / LEAD - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

Let me first set the scene. On Tuesday, XX/XX/year>, I was sent {$75.00} via Cash App. Cash App charges a fee for immediate withdrawals, which I am aware of, but they also offer the option to wait for the money to be deposited within XXXX business days without a fee. I chose to wait, expecting the deposit to be made today, Friday, XX/XX/year>. 
However, when I checked my bank account, there was no deposit. Upon reviewing the Cash App, I noticed that they had changed the deposit date to Tuesday, XX/XX/year>, still without a fee, now extending the wait to XXXX business days. 
I contacted their support through the app, and after reviewing my account, they basically implied that I would be paying the fee. I understand there are fees, but it is unacceptable to promise one thing and then change the rules in mid-game. As a consumer, I am simply following their stated rules. I am outraged and frustrated and want this to be brought to the forefront. I informed them that I would be reporting this issue because I am sure I am not the only one experiencing this. Changing rules arbitrarily is not a good practice.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My car was broken into on XX/XX/XXXX, and my phone and multiple cards were stolen. Unfortunately, I couldn't file a police report due to a lack of evidence and no camera footage. The thieves ended up spending {$870.00} on my Wells Fargo card. I contacted Wells Fargo and submitted a dispute claim. However, a couple of months later, I received a letter stating that my claim was denied and the provisional credit would be removed. This is unacceptable. I am not responsible for these charges as I did not make them. According to the FDIC and the FCRA, I should not be held liable for these fraudulent charges. I request that these charges be resolved and removed. Thank you.
Consumer complaint received 2024-06-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (AZ)

Me and my ex husband are selling our house per our court agreement. We found a buyer to assume my exes VA loan and do a VA assumption, The mortgage company received our documents the 2nd week of XXXX by over night mail, and then lost them. They did not tell us they lost the documents and needed new documents until a week and a half until the loan was set to close. 

We sent in new documents to them the end of XXXX and they told us they would rush the documents and we could possibly close around XX/XX/XXXX. They did not start reviewing the documents until XX/XX/XXXX and now they will not answer our emails or call us and we do not have a contact number for the assumption department and they will not give us one and the customer service department tells us there is no way to get us in contact with them. Weve been told from costumer service agents that they dont even do VA assumptions and there was probably no way the paperwork would go through yet when we read them their own policies they state that they didnt know that was a thing and that their company did that. So, they are spreading lies and creating angst because they are under educated on their own companies servicing departments. 


We have tried emailing several people, several different times and everything just gets ignored. 

The level of unprofessionalism is ridiculous.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Last year, somebody stole my or my authorized user identity and made unauthorized purchases with my Discover card. Besides that, they used my linked bank accounts to make unauthorized payments to my Discover Card. The packages were delivered to the mailroom and dropped there. Discover Card made me liable for those purchases and keeps requesting " new information '' ; however, they don't have ways to deliver " new information '' as all pictures and video I tried to submit them were not acceptable by fax. This year, somebody used my linked bank accounts to make unauthorized payments to my Discover card to spend over its credit limit for unauthorized purchases, and Discover card did not take that " new information '' for consideration of my last year claim. They requested filing a police report, then they requested me to make the police to call them, they requested pictures, videos, and documents, but they did not even give me ways to submit those pictures, videos, and documents, as their fax was not capable to show all details, and they refused to accept my XXXX and other links to see my pictures and video I had try to submit. Discover Card Customer Protection Services keep playing stupid games with me by pathologically denying all new evidence and " information '', which they hesitate to analyze, and they literally blame me for being a victim of fraud.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

My US bank card is enrolled in a credit counseling program and payments are handled through XXXX. The terms are XXXX XXXX monthly with no fees and 4.9 % interest and the account is eligible for re age. I have been paying my minimum. In XXXX, my payment was received on XX/XX/XXXX which is 18 days after the due date of the XXXX. The next payment was received 23 days after the due date. I paid the entire account outside of the XXXX program this month. I was marked 30 days late for XXXX and I have never been 30 days late on the program. I spent days and hours being transferred and told the credit counseling department can not speak to me directly. I was told the XXXX payment was applied to the XXXX statement and that US Bank has not control over that and XXXX is responsible for applying payments. XXXX confirmed that this is not accurate and it should have been applied appropriately. I am only trying to have the record reflect the accurate payment history. XX/XX/XXXX payment was received XX/XX/XXXX. XX/XX/XXXX payment was received XX/XX/XXXX. Neither were 30 days late and my minimum payment is {$11.00} until the agreement expires on XX/XX/year>.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc. (TX)

I checked my XXXX XXXX  and I seen An account that is not mine thats fraud Its called selfXXXX XXXX XXXX  Its a secured loan and they took that loan out XX/XX/year> for {$510.00} this was not me. I dont even know who these people are. I need help.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (GA)

XXXX XXXX, customer has filed a dispute for an order placed on XX/XX/XXXX in the amount of {$860.00}. Using her Credit Karma XXXX card. Which includes a {$30.00} blouse, that I am not seeking damages for, as it arrived in perfect new condition. Regarding a XXXX XXXX order that arrived faulty, damaged, worn and visibly soiled, yet presented online as a brand new dress. The receipts and order info are presented in the pdf files below. I began to seek help via XXXX XXXX, however they eventually stopped all communication, leaving me with a faulty, dirty and torn garment and them keeping my money. 
A dispute was filed with Credit Karma, regarding the transaction. Credit Karma, has a dispute section on their app for fraudulent charges, which this complaint isn't and a section for faulty products received from merchants, as a recourse of action to help consumers. 
I filed the dispute and waited THREE MONTHS, for Credit Karma to fail to properly investigate the claim and even deny it, based on no error was made. Which is an automatic claim statement, that doesn't involve investigation. This purchase wasn't an error, however the merchandise received was faulty, dirty and tattered. Which should necessitate a refund. After requesting that Credit Karma reopen my claim and escalate it three times, they still continue to deny it, citing the same statement, " no error '' was made. Which makes no sense. The merchant, frauded me and sent me a worn, tattered and dirty garment. Then refused to refund me for it. Credit Karma has given me the scam like run around, even asking me to submit documentation with photos to validate my claim. I went above and beyond, putting all documentation, all screenshots of my conversations with the Merchant XXXX XXXXXXXX, as I tried to get help for the damaged dress that arrived. I submitted everything, which should plainly and easily convey that the merchant defrauded me. Credit Karma, continues to deny the dispute claim and refuses to refund my money. I intend to call them again, to question their decision making. Credit Karma has also failed to send me copies of their investigation, as I have a right to request them. I've requested them TWICE, and still they've sent me nothing to show how they made the decision to refuse and deny my dispute. Despite the evidence PLAINLY showing that I was sent faulty products misrepresented by the merchant. Credit Karma is ignoring customers and denying valid claims, and not even investigating things properly. They are pocketing my money, hard earned, at this time and refusing to refund me, and made me waiting 3 months for a poorly investigated automatic decision. Please help me.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

Citibank, after encouraging me to pay double each month so I could build open credit and improve my credit score, has lowered my credit limit twice within a year and eaten up all the open credit that I had built.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

After I used the credit card only 1 time to purchase a car battery I paid the totlal balance and interest months ago and didn't use the card anymore. After months I recieved an email on XX/XX/XXXX that I need to pay {$33.00} interest and I am past due for 2 months. I didn't receive any emails about payments fot months. How can I be past-due for 2 months while the statement shows due date is XX/XX/XXXX. This company reported me that I had 2 months past due to all credit bureaus which is incorrect! This company has a lot of bad reviews and complaints from a lot of customers. They need to correct my report which they submitted to credit bureaus as well as the interest rate they calculated without any open balance.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (LA)

I had been getting debited for this subscription I cancelled in the Beginning of XXXX of XXXX, that has been reoccurring. I have filed the same claim every month and cited cancellation of this subscription yet I was still getting charged. I was told by Chase they are closing my account because of the number of claims throughout the year and most of them have been revolving around one subscription that Chase has failed to block from debiting my account. I asked to withdraw my checking account and they told me its on pause for the next 10 days until they close it and will send me mail for my amount. I asked if I can withdraw it once they have closed it and they said they would not let me.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

XXXX & XXXX continue to push for a wage execution after we 1. Filed complaint with CFPB 2. Filed objections with court 3. Requested through XXXX website the name of original creditor and amount. 

Disputing the alleged balance and The original creditor and any wage execution. 
We have always been willing to make payments with the previous law firm but we never heard from them since XXXX & the XX/XX/XXXX letter is the first we ever heard of XXXXXXXX XXXX XXXXXXXX. We have reached out numerous times by phone only to receive a voicemail every time and never a return call. 

We just received XXXX XXXX XXXX reply to the CFPB on XX/XX/XXXX and have today already left 2 more voicemails for XXXX XXXX at ext. XXXX to discuss the account in question and to offer to make agreed upon payments, which we have been provided no opportunity ever to todays date of XXXX XXXX & since our last offer back in XXXX, when we never heard back from Citibank or previous law firm. Also XXXXXXXX XXXX XXXXXXXX had a transfer assign of attorney firms they provided from XX/XX/XXXX yet they say tried to contact us in XX/XX/XXXX which we did not receive any mailings or phone calls from them, as they by their own timeline were not the attorney we were ever aware of that time XX/XX/XXXX. 

We feel strongly that we are being badly mistreated. Do not understand how a wage execution has been in the works when no one from any law firm has spoken with us, although we have tried numerous times since XXXX and even made good faith payment offers. Which also makes no sense to us, how this popped up on XXXX and now we are given no reasonable amount of time to rectify or come to an agreement between parties. We are willing to make payments, always have been, just as long as the amount in question is correct. But we need to speak to XXXX XXXX as we were directed to do by XXXX XXXX XXXX on XX/XX/XXXX. 

Why would they not want payment over a wage garnishment execution. This feels like nothing but intimidation tactics and harassment to embarrass. We would like CFPB to request XXXX XXXX XXXX to contact us so we can make payments directly, as always.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (AL)

Self Inc gave me some kind of account me thinking and truly believing it was a personal loan of XXXX dollars only to be a account that you pay off to maybe be able to get a loan to so call rebuild credit. I didnt need credit rebuilt and now its on my credit report as a personal loan affecting my getting any financing for anything. Please help get this scam fraudulent company out of the market of good hard working people like myself trying to make a living and better myself
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I was charged XXXX overdraft fees due to them allowing the charges to go through. When I called to see how I opted in for the protection ; which is not a standard pratice of myself. They mentioned this is automatically added onto this type of checking. If I interpreted the FDIC law regarding overdraft protection this is a service that consumers should opt-in if this is something that they would like. However, this was added into my account without my consent.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has been well over a month since Ive started this claim. Bank of America has done nothing and has provided the worst customer support. Ive gotten lied to hanged up on and its not okay. Ive been struggling for a whole month havent been able to pay rent because Bank of America allowed someone to open an account under my name and transfer my money into it. Ive callled and sent in all the necessary paper work Bank of America has asked for. Im still missing XXXX $ from my account and not only that but Im getting charged after already speaking to multiple agents and no one has been able to help. Its ridiculous how Ive been treated
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank is denying me access to my checking account number XXXX because it is impermissibly demanding that I use a " mobile phone '' when repeatedly many times I have told them I DO NOT OWN A " mobile phone ''! 

As a result, I can not know what fees Wells Fargo is charging me. 

I am a XXXX  citizens of very advanced years and with XXXX  medical conditions and can not just pop over to a local Wells Fargo XXXX and I have told them THIS too! 

On information and belief, they are charging me fees so that my account is put in deficit and then they charge me more fees in a SNOW BALL EFFECT! 

Outrageous! Where is their sense of decency, there MORAL COMPASS? 
Gone, gone, gone, if ever they ever any any!
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (VA)

I reached out to Lexis Nexis multiple times in an attempt to receive my consumer report online and via mail. Every attempt that demonstrated a form of " stalling '' meaning they are very reluctant to handle my request. I find it very deceptive and inconvenient. When I opted out, they did not hesitate to allow it. Yet, when I want my credit report from them, they show attempts to disregard the law. 

In their letter to me they ask me to provide additional documents and then at the very bottom of the letter they say that the following additional documents are not required. Why are they playing games with me? Why are they denying my request to receive my credit report. 

My name was part of a XXXX breach so I want to ensure that nothing fraudulent has occurred in that very file.