davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

I am writing to formally report fraudulent activity concerning an escrow account managed by Bank United, for which I am the mortgage broker. The title company associated with this transaction is refusing to release my funds via wire transfer, despite repeated requests, and appears to be intentionally delaying the process. This has caused significant financial hardship for my company, impacting our ability to meet payroll and other necessary expenses.

I have already alerted the appropriate federal authorities and the underwriter involved in this transaction to this issue. Given the severity of the situation and lack of response from Bank United, I urge the CFPB to initiate a thorough investigation into the management of this escrow account, specifically examining potential violations of : State Escrow Laws Unfair and Deceptive Practices Fiduciary Duty Good Faith and Fair Dealing I previously spoke with a representative from the Bank United XXXX XXXX who acknowledged the issue but failed to take any action. Additionally, XXXX XXXX XXXX, EVP, Managing Director of Retail & Business Banking at Bank United, was made aware of the situation but has not facilitated the release of my funds. 

I trust that the CFPB will take swift and decisive action to address this matter, ensure the proper handling of these funds, and hold Bank United accountable for any wrongdoing.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercury Financial Intermediate LLC (NY)

I can see a collection have been filed on my credit card, I don't know which credit card is this and I Don't see any installment payment option. I work part time and pay my rent, bills. I can not afford one time payment. I need an installment payment option as low as possible.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (TX)

FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (GA)

In XXXX  I was victim to bank hacking and false checks being deposited into my account after contacting XXXX and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX  and Early Warning Services causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX  account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called XXXX
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I used by debit card with Charles Schwab to pay in advance for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX necessitating further XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I called Charles Schwab immediately to reverse the transaction, but they told me they could do nothing until it ceased pending. 

After it ceased pending, I filed a dispute on XX/XX/XXXX, and provided proof of the injury and unsatisfactory service that was not as described in the form of photographs of my injury, inflicted on me by the XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, Schwab replied with a denial because " the merchant has provided documentation of the disputed transactions. '' The XXXX  sent all my confidential medical records to Schwab, and Schwab appeared to ignore the basis of the dispute as an unsatisfactory service that was not as described, only looking for whether the service was attempted. 

On XX/XX/XXXX I replied with a further dispute laying out the basis of my complaint not as that the service was never performed, but that it was performed in a manner anyone would find unsatisfactory and not as described. 

On XX/XX/XXXX, Schwab again denied the dispute for the same stated reason. I called and was informed by a customer service representative to email XXXX because they review determinations. I did so. They never responded. On XX/XX/XXXX I reached out again by email and received no response. 

On XX/XX/XXXX I called Schwab and spoke with a customer service representative and a manager who gave his name as XXXX. I was informed, after much probing, that they simply do not recognize any disputed charge on the basis of an unsatisfactory service or a service that was not as described, and refused to reverse the charge, and insisted I bring a private suit for redress. 

This policy is unacceptable and highly anti-consumer. Consumers need a remedy more available than a lawsuit for when services are plainly not as described. Otherwise unscrupulous merchants can fail to provide a service or provide a substandard service and run with the money.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (GA)

On XX/XX/XXXX and XX/XX/XXXX there were hard inquires placed on my account without my permission. I've asked the dealership to not send my application to this due to a previous rejection from the bank on XX/XX/XXXX and they specifically ignored my request.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PR)

On XX/XX/2024, I received a debt collection notice from XXXX XXXX, XXXX, regarding an alleged debt with XXXX XXXX. I promptly requested validation of the debt. XXXX XXXX, XXXX provided documentation, but it lacked crucial information to establish the validity of the debt. Specifically : 1. The provided documents did not include evidence of any economic transaction or service that would make me liable for this debt. 2. There was no signed document indicating my consent to a contractual agreement with XXXX XXXX 3. The documentation did not contain any identification that was used to verify my identity at the time the alleged contract was entered. I have no knowledge of this debt and did not enter into any agreement with XXXX XXXX. I believe this is a case of mistaken identity or fraudulent activity. Despite my dispute, XXXX XXXX XXXX XXXX continues to pursue collection activities. I am seeking assistance to have this matter investigated and to stop the collection attempts until valid proof of the debt is provided. This situation has caused unnecessary stress and potential damage to my credit rating. 
On XX/XX/2024, XXXX XXXX, XXXX responded : Dear XXXX XXXX, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. LVNV Funding LLC placed your XXXX XXXX  account in our office for collections on XX/XX/2024. On XX/XX/2024, we received your initial notice from the CFPB. We notified LVNV Funding LLC of your dispute and mailed the validation of charges for your review. In addition, we stopped collections on your account in our office at that time, preventing further contact from XXXX XXXX XXXX. Upon receipt of your most recent letter to the CFPB, we closed your account in our office and returned it to LVNV Funding LLC. XXXX XXXX XXXX has not and will not report this matter to the Credit reporting agencies. Should you wish to discuss the account further, please contact LVNV Funding LLC directly at XXXX. Sincerely, XXXX XXXX XXXX XXXX Department XXXX.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Since my daughter passed away I've been helping with my grandkids. I got into loan debt to deep.I have a debt consolidation to fix the problem.Iv emailed each company revoking access to my checking account.I was advised to talk to my bank to put a block on these lenders. They keep telling me that the only thing they can do is a stop payment on the lenders for {$30.00} per lender I've called customer service 3 times, sent an email even been to a branch to talk to someone but Noone is ever available Chase isn't helping at all
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (GA)

XX/XX/XXXX U.S. BANK : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXXXXXX XXXX : DENIED A CREDIT CARD/LINE OF CREDIT XX/XX/XXXX XXXXXXXX XXXX XXXX : DENIED A CLI XX/XX/XXXX US BANCORP : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXX XXXX : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXX XXXX XXXX XXXX : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX A CREDIT CARD
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

XXXX is reporting Discover credit card with a balance of {$6600.00} on XX/XX/year>. This balance is reported incorrectly. The correct balance should be {$76.00} since XX/XX/year>. There were no changes since then so therefore this reported balance needs to be corrected. My score has dropped XXXX points due to this false report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (DE)

My mother passed away XX/XX/XXXX i was in need of money to help bury her i applied for a title loan for my XXXX XXXX XXXX I missed one payment and they came and took my vehicle. then they resold my vehicle in XX/XX/XXXX after vehicle was sold they then sent the full balance plus unknown additional charges to a collections department where now the collections department is adding fees as well this is fully illegal and in the state of Delaware collections statute of limitations is 3 years. I did not lease a vehicle from them nor purchase a vehicle this was just a title loan. this company needs to be shut down for illegal practices.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (NC)

I have contacted these companies and done numerous Disputes with all 3 bureau 's and sometimes the Dispute results come same day and next day there is no way they are still reporting after Ive asked for cease and desist of all communication especially reporting on my credit report and the bureau 's are allowing it. According to fcra code 15 usc 1692 ( c ) these debts should not be reporting on my credit file for any bureau. The files are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (SC)

My account was hacked months ago, a check was deposited and was called to report they restricted my account and refused to let me gain access saying my account and membership was blocked I even filed a dispute which I have not received information from yet also I am getting statements for my accounts still active but I cant use or access it no more
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A WELLS FARGO CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637BXXXX CARD # XXXX OPENED XX/XX/year> INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Consumer complaint received 2023-07-25
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. (KS)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-07-25
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: STATE FARM BANK, FSB (IL)

This is illegal for XXXX to report this inquiry when State Farm clearly state they have no record of this at all. The following attachments will prove XXXX will not remove this inquiry and blaming StateFarm
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CO)

It appears that Chime has opened a checking account without my consent. I received an email on XX/XX/year> that a new account was opened. I then received a debit card in the mail on XX/XX/year>. 
At no time did I authorize chime to create an account, I'd never even heard of chime prior to receiving the email that an account was opened.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

During XX/XX/year>, I was packing/preparing to move to XXXX  and had many packers, movers and others in my house- some of which somehow gained access to my computer and financial accounts ( namely my PayPal and XXXX accounts ) and made several XXXX XXXX XXXX  worth of unauthorized charges. I promptly reported this to PayPal on XXXX per the attached PDF, fraud charges totaling : {$3800.00}. PayPal then locked my account for several weeks and once I was finally able to regain access learned that they had completely disregarded all of the fraudulent transactions as " VALID/NON FRAUDULENT/AUTHORIZED '' transactions, refused to cover any of the charges and then closed the case without asking me for any additional information whatsoever or providing me a written letter with an explanation. Additionally, they partially blocked my account ( which exists to this day ) limiting my usage of my PayPal account in various way AND disabled my ability to use PayPal Pay-In-4 for making installment payments on larger purchases. The only explanation I have ever gotten whatsoever about this is from PayPal 's own system when I have tried to apply for PayPal Pay-In-4 for various purchases over the last XXXX months and was denied each time due to " UNUNUSAL '' or, even more irritatingly, " FRAUDULENT ACTIVITY '' on my account. Yes, thats right, FRAUDULENT ACTIVITY... but, wait, they declined my entire claim and said all of the charges were VALID/NOTFRAUD! Yet, on the other hand, they are declining Pay-In-4 loans I am requesting due to fraudulent activity on the account... so WHICH ONE IS IT PAYPAL?? They KNOW there was fraudulent activity they just dont want to pay for it and I demand that they do! Lastly, I filed XXXX last dispute, basically stating that i wanted them to review the earlier XXXX dispute again for the above reasons and they came back and actually RULED IN MY FAVOR! ( see attached ) - yet, they STILL WILL NOT REFUND ME FOR THE FRAUD CHARGES! I want my money back and want my account reinstated with full features availalbe ( including Paypal Pay-In-4 )! Its not my fault that there were fraudulent charges made on my account.