davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (ND)

Complaint to Consumer Financial Protection Bureau ( CFPB ) Date : [ Insert Date ] From : XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint against Wise ( TransferWise ) Document Verification Denial and Unreasonable Deposit Requirement Dear CFPB Representatives, I, XXXX XXXX XXXX am submitting a formal complaint regarding the actions of Wise ( formerly TransferWise ), related to their refusal to verify my documents and the difficulties Ive encountered using their services in the United States.I have repeatedly attempted to verify my identity by providing all necessary documents, including my Social Security Number ( SSN ). However, Wises system consistently rejects my SSN. Over an extended period, I have submitted these documents multiple times and spent hours in communication with their customer support, but no progress has been made. Instead, I was informed that in order to complete the verification process, I would need to deposit {$15000.00}, which seems unreasonable and raises concerns about the legitimacy of their requirements.Given the lack of resolution and the excessive demands, I request your assistance in investigating this matter and ensuring that Wise complies with U.S. regulations. Their refusal to verify my identity without a significant deposit is impeding my access to their services, and I believe this could be a violation of consumer protection standards.Thank you for your attention to this matter. I look forward to your response and any steps you may take to resolve this issue.Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX sent information to your institution indicating they reimbursed my {$1000.00} but the money they put in on XX/XX/year> was reversed on XX/XX/year> and I want them to give you the correct information. I have attached XXXX screenshots of those transactions for your reference thank you
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry Portfolio has reported a collection account on my credit report with inaccurate information. I have requested that the company provide all relevant details regarding this account. The account is beyond the Texas statute of limitations ( SOL ) and is in violation of the Texas Finance Code. I am requesting that this account be removed from my credit report immediately.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AA)

In XX/XX/2023 Mohela encouraged me to recertify in order to prepare for loan payments restarting in XXXX. They did not inform me that I was not required to recertify. When I emailed them to ask why they did not post this information on their website and encouraged me to recertify when it was not required, they did not respond. Now my payment is much higher.
Consumer complaint received 2024-09-05
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MN)

On XX/XX/XXXX I filed complaint XXXX XXXXXXXX. This addressed privately held loans currently totaling {$43000.00} to the now-defunct XXXX XXXX XXXX XXXX XXXX. These loans were disbursed for a total of {$45000.00} between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX was found guilty of misconduct in XXXX and XXXX. Navient responded to the initial complaint by issuing their new " school misconduct discharge application. '' This is a lengthy application full of vague questions repeated in several places throughout the document. I took the time to compile available evidence, as school documents are nearly XXXX XXXX XXXX at this point in time and completed this lengthy process. I submitted the XXXX Misconduct Discharge application via email on XX/XX/XXXX. On XX/XX/XXXX, I received five emails, one for each outstanding loan, that all read that my application for school misconduct discharge had been denied. The explanation read : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' They have provided no objective reason for this denial beyond this statement. They have provided no criteria for eligibility or ineligibility for denial other than that they have decided it. They are trying to wash their hands of these loans by selling them to XXXX. I have requested further details on my denial and the appeals process ; I have not received a response. 
My oldest private loan for XXXX XXXX XXXX XXXX XXXX XXXX was disbursed in XX/XX/XXXX for {$20000.00}. I currently owe {$22000.00} on this loan despite having paid {$17000.00} over its life. Some payments listed in my payment history show as being applied to INCREASE my loan, not decrease it. Navient not only has mishandled these loans but is refusing to discharge them for being issued for a school that has been federally charged with misconduct because THEY do not find that the school has committed misconduct.
Consumer complaint received 2024-09-04
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC (CO)

My complaint is against National Debt relief. I was told that there fees have been figured out in monthly charges over the XXXX  month period. No need to worry about extra fees. Then they withdrew {$1000.00} from my account which left me short to settle with XXXX in XX/XX/2025. T cancelled my account with National debt with over {$2500.00} balance. They are keeping this money even though XXXX was not settled completely. They are thieves. I am over XXXX and can not just write this off.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (CT)

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected, or omitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My father opened my bank accounts sometime when I was a child. After becoming an adult, I requested the bank remove him from my account. My father and I both went to the bank and filled out paperwork to have him removed from the account. 
Years later, he is still getting emails about my account balances. I have reached out to the bank, and they agreed he is not on file and a shared owner. My contact info is the only information they have for me, but he is still getting emails about my bank balance ( including the last XXXX of my account number ). This is a violation of my privacy and a mishandling of my financial data.
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (FL)

I took an auto loan out from US Auto Sales almost 3 years ago. I remained current until they closed their company earlier this year. After which, Westlake Portfolio Management took over the loan. They refused to send a power of attorney for almost 2 months. At which point they claimed I owed over {$1000.00} in " late fees '' that accrued while I they refused to send a POA. Once received, I attempted to work with them. Requested that they differ these " late fees '' to the end of the loan, they claimed the interest raise on the {$750.00} differed would increase drastically enough that I would own an additional {$5000.00} at the end of the loan. They also claimed I owed over {$17000.00} on the principle of the loan. I told them this was impossible as the total loan was {$20000.00}, and I had been paying for almost 3 full years. Should be at most XXXX XXXX remaining. They said I was wrong. I requested a copy of the contract to validate the amount owed and the interest rate. They refused, and continued to refuse any and all validation or documentation from that point forward. Their customer support team is abusive, and dishonest. When I requested call recordings, they refused again. They have now repossessed my vehicle at this point. I told them I would not pay until they validated the debt, and since they have refused to send any validation, they have now taken my car from me. I have since learned that they are denying titles for other individuals who do pay their balance, as well as double charging, reporting payments incorrectly, or not at all - all on top of attempting to collect on an invalid amount. This is a predatory company running scams on those who do not have good credit, or the means to truly defend themselves against a company like this. They are preying on the people who have the least, and it is disgusting. I was told by an attorney to leave a complaint here, and I hope this makes some kind of difference.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

This is the document I sent to Chase, which has since declined all of my inquires, and I have lost $ XXXX To Whom It May Concern, On XX/XX/year>, my XXXX was stolen around XXXX XXXX and the person ( s ) who stole my phone were able to gain access and not only make fraudulent transactions, but also open lines of credits, and use my XXXXXXXX XXXX. Additionally, they changed all my contact information, so I was not able to gain access to accounts until the damage was already done. 
With that being said, I am writing you today in hopes you not only look at your normal checklist for fraud cases, but in hopes you look at the big picture and how the sheer number of transactions that took place between XXXXXXXX XXXX and XXXX XXXX were that from professional scam artists, and not myself. 
- XXXX XXXX XXXX payments : o {$2000.00} o {$2000.00} o {$2000.00} o {$2000.00} o {$1900.00} o Total = {$9900.00} ; daily limit is {$10000.00} not a coincidence o Prior to these transactions, I have used XXXX XXXX one or two times, the value never exceeding {$500.00}, and that is a stretch. 
- XXXX XXXX Payments : o {$2000.00} for a plane Ticket to XXXX XXXX If you google the recipient, you will see she has a hair salon in New Jersey The hair salon is 30 minutes from where one of the fraudulent XXXX were taken. I will hit on this later I called this phone number listed, and I received a text response, which is attached. 
I dont think I would send someone {$2000.00} if they talked to me the way they did in the text message ( Sorry for the profanity ) {$500.00} to a phone number I tried contacting, but didnt have any luck - Opened a {$500.00} line of credit w/ a Chase Freedom Credit Card o This was reported to Chase and confirmed I did not authorize o I also opened a case w/ XXXX, which has since considered fraud and removed from my credit history. 
- Opened a line of credit via XXXX Credit Card XXXX XXXX XXXX XXXX 
o This has since been labeled as fraud & closed - XXXX XXXX Trips ranging from NY to NJ, and vice versa. 
o I was in Texas at the time and can prove it. 
o XXXX also confirmed this was not authorized, and someone gained access to my account. 
Please see attached documents on the following pages. Thank you so much for your reconsideration of this claim.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

XX/XX/year> I changed homeowners insurance companies and Mr. Cooper Mortgage didnt pay my new insurance. It was overdue as of XX/XX/year> and I was sent a letter of cancelation. When I went on Mr. Cooper website they advertise a Live chat, but when you click it is only automated answers to questions. After searching for an 800 number I called and could not get past the automated system to get to a rep no matter what I did. This is the scenario that repeats each time and was the reason for my prior complaint. There is no way to speak to a live person when an issue can not be solved by automation. I finally found a number on XXXX that got me a live person, she assured me she would transfer me to insurance department live rep but she just transfered me to another automated line I couldnt get through. I finally found yet another number after an online search and I finally got to someone who could get my insurance paid, But. THERE IS NO WAY FOR A CUSTOMER TO REACH A LIVE AGENT USING THE COMPANY WEBSITE INFO. A customer has to stumble upon the right phone number online by accident.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (WY)

I had a personal loan through upgrade clear back from XXXX. I made payments on it and then stopped getting communication from upgrade. So I called them and they had sold the account to Crown Asset Management. Well I called several times leaving voicemails and then went on their website and sent email communication. I was trying to set up a plan with them since XXXX of XXXX. To this day XX/XX/XXXX I have not received an email or call or anything in the mail. Then the first week of XX/XX/XXXX I got a collections notice from XXXX XXXX XXXX XXXX stating that Crown Asset turned me over. I tried for 6.5 months to get a pay plan and the letter from XXXX XXXX XXXX  is the first contact I have had from anyone. I never got anything from XXXX stating that they had turned it over to Crown Asset.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (NJ)

I had a debt which I refuted with the company XXXX and explained that I never opened any debt with them. They charged off my account, put in collections with another collection agency after they already wrote off the debt, and didn't provide me with a 1099 since the write off of the debt. The company started harassing me, I requested some information to validate the loan if they say it is mine. They was given multiple letters but failed to send me any of the validation required by law. I have all the letters back and forth from me and the company.
Consumer complaint received 2024-09-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (IN)

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy was in it final month, when the attorney filed another chapter XXXX bankruptcy in XXXX. The attorney bailed on me and the judge closed and charged off the remaing balance. Closed my case in XXXX of XXXX. 
Now U.S. bank is stating I still owe them money. I have sent them copies of the documents stating that the loan is paid in full by the court. So far they are refusing the paperwork. They sent my former attorney a copy of the original paperwork from XXXX. 
How do I get the bank to realize the truth from the judge?
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have been trying to get this company to stop calling for over a year now. They have called my employer, And when I asked in writing for proof of debt, they didnt send it. I believe these accounts belong to my ex. Ive asked them repeatedly to fix my credit report because they are violating the fair debt collection practices
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these accounts was in dispute within 30 days now these accounts in violation XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$9000.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) XXXX Balance Owed : {$570.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} XXXXXXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) XXXX Balance Owed : {$2100.00}
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NC)

On XX/XX/2024 I called US Bank because I heard reports that switching XXXX XXXX  would cause the points to be lost. The rep assured me and also got assurance from her manager that my points would not be lost and would show when my statement closed. The statement closed and it said I had XXXX points when I was suppose to have XXXX points after reaching the new account signup bonus plus all the purchases I made last statement cycle. My conversation was recording assuring these points would not be lost from employee and manager.
Consumer complaint received 2024-09-02
Product: Credit 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: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX and XX/XX/XXXX, I made two purchases on XXXX using my American Express credit card. Also, on XX/XX/XXXX, I cancelled the purchase made on XX/XX/XXXX, and received from the merchant ( XXXX ) a refund. Due to currency fluctuations the amount differed slightly from the initial purchase amount. I kept the flight purchased on XX/XX/XXXX, until I received notification from the airline of a schedule change on XX/XX/year>, whereupon the change no longer worked for me and I decided to cancel the flight purchased on XX/XX/XXXX. All documentation received from the merchant indicated a refund would be sent back to my original payment method within 7 days. After 7 days elapsed, and no refund had been received, I opened a dispute with American Express on XXXX for the flight purchased on XX/XX/XXXX. However, on XX/XX/year>, I received notice that my dispute was closed because my account had been credited. This is an incorrect conflation of the cancelled XX/XX/XXXX purchase that had already been refunded ( ironically the refund amount was the same as the purchase amount for the XX/XX/XXXX flight purchase, again, due largely in part to currency conversion fluctuations ).
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged {$35.00} overdraft fees. Sometimes double, triple times. I have been a customer with Bank of America for 27 years and there was a period where this was happening for years. They always deducted to higher amount check so they could charge the fees on the lower amounts which ended up costing me a lot and I could never catch up. 

XXXX XXXX
Consumer complaint received 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.