davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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: CORELOGIC INC (GA)

The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.
Consumer complaint received 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

Original Complaint : XXXX. 

Follow-up : Lakeview/XXXX sent a release to the County which was rejected on XX/XX/XXXX due to not meeting State statutes. 

Lakeview/XXXX sent a second release to the County, which was rejected aon XXXX/XXXX/XXXX due to not meeting State statutes. 

Missouri State Statutes : Grantor/Grantee must be completed XXXX '' margin FIRST PAGE MUST INCLUDE BOOK AND PAGE : Book, XXXX, Page, XXXX. 

We were told on XX/XX/XXXX that a release was sent to the County on XX/XX/XXXX. That is the same day that LakeviewXXXX replied to the original CFPB complaint with documentation. However, that documentation was the release that has been rejected due to not meeting State statutes. 

Calls to the XXXX XXXX XXXX on XX/XX/XXXX revealed they have not received the corrected release. 

Calls to XXXX on XX/XX/XXXX revealed that the last document mailed was a letter to my home on XX/XX/XXXX stating they were still investigating the issue. This letter was dated XX/XX/XXXX and was received at my home. 

My account shows no record of any other documentation, which indicates that the correct release has not been sent to the County and we still have an erroneous duplicate lien on our property.
Consumer complaint received 2024-01-11
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: CITIBANK, N.A. (TX)

To whom it may concern, I am writing the complaint in regard to a dispute charge that had been denied. Original charge on my credit card is {$1500.00} on XX/XX/XXXX. I started the dispute on XX/XX/XXXX. My dispute had been denied by Citi Bank on XX/XX/XXXX. I disputed a charge by a fraudulent moving company, XXXX XXXX XXXX XXXX. They charge {$1500.00} for a service fee. I had provided evidence that I had asked the company to cancel the service. But the fraudulent moving company, XXXX XXXX XXXX XXXX, refused to refund my money back. I started the dispute but Citi Bank does not resolve my issue and still help the fraudulent moving company, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2024, I made a check deposit with a teller at Bank of America XXXX XXXX XXXX at XXXX, PA location. I was told {$220.00} would be available the next day and the rest available on XX/XX/2024. The next day on XX/XX/2024, my checking was overdrawn {$1600.00} and {$220.00} was missing. I couldnt get to bank because Im in training all day with my new job. I called on XX/XX/2024 XXXXXXXX XXXX the XXXX number, the gentleman couldnt find the original deposit, I gave him the all the numbers on the two receipts the teller gave me. He still couldnt find the deposit. Put me on hold came back and said its bank error. It should be resolved the next day. I asked him are you sure because my checking account is overdrawn {$1600.00} and my paycheck hits the account the next day. Your direct deposit should be fine. The next day on XX/XX/2024 my checking account is still overdrawn but now {$680.00}. Im devastated, I was explained this will be resolved and I would be able to receive my paycheck. I decided to go to my local branch Bank of America XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The Assistant Manager XXXX XXXX and another gentleman overextended their efforts. She put my account in good standing and able to receive my paycheck. I was left no funds couldnt pay my bills or get anything to eat all day Friday. I was told from XXXX number and the chat line I would have to wait until Monday, XX/XX/XXXX after XXXX for the funds to clear. As of today still missing a check deposit. Unacceptable. The check deposit is a local check from XXXXXXXX XXXX Wheres the check deposit. I need assistance to resolve this matter now.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On two recent occasions, US Dollar payments that we sent to a UK vendor were converted to Sterling even though our instructions were to send US Dollars. These payments were made to our vendor 's US Dollar account at their local bank so the Sterling could not be received. By the time it was converted to USD, our vendor lost several hundred dollars in fees and/or XXXX  losses. 

Our account is with XXXX XXXX  in XXXX XXXX, NJ. They say that the conversion was done without their instructions by Wells Fargo, who is their default intermediary bank for international wire transfers. 

XXXX has now put our company on a " Do Not Convert '' list with Wells Fargo. They have also told me that our banking covenants may allow them ( or their agents ) to convert the currency of international payments. This does not seem proper to me. 

Finally, I suspect that Wells benefited from this conversion in two ways. First, it may have been intended to help them remedy an unwanted long position in Sterling. Secondly, I suspect that they were the beneficiary of the extra costs.
Consumer complaint received 2024-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I fixed everything on the account once I was notified. It's not that I refused to pay it or couldn't pay it, it's that the ONLY reason that account ended up delinquent and XXXX  days behind was because their app not only mislead me, but also misrepresented the fact that auto pay was not for my capital one account as a whole but rather one individual card instead of all on my account. It kept telling me auto pay was on but little to my knowledge it was just for that one card and notifying me a payment is coming up and auto pay was on. I never got notifications on the app about my behind card either, I only found out because of XXXX XXXX. They never made it clear that auto pay was for individual cards and not my whole capital one account. So I went months thinking everything was good and being paid on my other XXXX card. They also gave me some false sense of security by removing it, then not even XXXX days later, they added it back. All this, over a misunderstanding with their app structure. If you look at my other capital one account, it even has perfect payments.
Consumer complaint received 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NC)

I was given a {$500.00} e- vanilla gift card by a family member for XXXX on XX/XX/XXXX. I tried to use the card recently and discovered that several transactions were made on XX/XX/XXXX, XXXX, and XXXX in XXXX, leaving XXXX remaining on the card. 

I made several calls today, XX/XX/XXXX, starting at XXXX. I spoke to one representative who gathered the card information and the problem, and the call was disconnected. I shared with the representative that the transactions were not made in the city that I live in or in a city I ever visited. After multiple attempts to reach a representative afterwards, I was unsuccessful. When I logged into the account at XXXX, another transaction was made for {$110.00} at a XXXX in the city that I live in at XXXX. The account now has a remaining balance of XXXX cents. 

According to their website, you are only able to dispute transactions made in the last 60 days. This is not a feasible policy for a gift card holder, as they are not likely to check the balance until they begin using the card. The card expires in XXXX  and all the funds, except XXXX cents, has been utilized and the company doesn't offer a solution. Customer service is not readily accessible, and their online options don't offer good resolutions.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I waited an extremely long time to speak with Nelnet customer support on XX/XX/XXXX. I was calling to inquire about my payment history on my loans, as I have questions about the balance indicated by Nelnet to close my loan accounts. I was informed that Nelnet did not have that payment history due to my loans being transferred from Great Lakes. I do not feel comfortable, nor do I find it sound business practice, to simply trust this loan management vendor that I have never previously worked with. Nelnet confirmed they would be unable to source the history on my account, and that I should reach out to the Department of Education for clarity. The Dept of Education website can also only provide my current balances, and not my payment history. I submitted a complaint with the dept of education on XX/XX/XXXX seeking to secure my payment history- and I received an automated message indicating they would follow up with more information in 15 days. Today is the 15th day and I've received no communication from Nelnet or the Federal Student Aid Information Center. I will refuse to pay the interest accrued while my loan are in an incomplete administrative limbo, and I would like to sever my ties with Nelnet immediately given their inability to provide full and accurate information regarding my accounts. Great Lakes, Nelnet, The Department of Education, and the Federal Student Aid Information Center have all failed their responsibilities to me as a financial products consumer.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part 1 ). 

On XXXX XXXX XXXXXXXX said that there was insufficient funds and the money would be returned, see Part 7 attachment ( However there was plenty of funds in the account so not sure what that was about. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/ ( ticket # XXXX, see attachment Part 6 ) ). On my XXXX  account it showed a + {$30000.00} on XX/XX/XXXX, see part 2 attachment and then a - {$30000.00} on XX/XX/XXXX ( See part 3 attachment ) indicating they sent money back to wells fargo. 

The money never showed back up on my wells fargo account I filed dispute/complaints/went into the branch/spoke to several supervisors. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part 4 attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part 5 attachment ). The original {$30000.00} is still missing and on my XXXX  account I have two separate - {$30000.00} transactions from wells fargo ( Part 3 and 5 attachment ). 

Each bank blames the other and says I have to contact the other bank even though I contacted both banks multiple times. 

Please help as this is causing severe stress and hours and hours of my time.
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

To better facilitate efficient proceedings and ensure that all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to choice in action. 
Detailed records of transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filing, judgments, and settlements. 
Correspondents, or communications that relate to choosing in action. 
Any other documents or records provide insights into action choices ' nature, ownership, or status.
Consumer complaint received 2023-05-11
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. (NC)

This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. 

XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra (CA)

I used the Abra app on my phone to purchase Bitcoin back in XX/XX/2021. I would check my balance from time to time and all was well until recently. Now, I show a zero balance for my bitcoin. I contacted Abra immediately via their website using their Chat feature. I was promised that customer support would respond back to me via email but they have not. I tried again to contact them via their Chat feature but now they no longer allow me access to my account! Abra has essentially stolen my Bitcoin.How can I recover it?
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I went to titlemax on XX/XX/ for a loan on my car. They approved my loan and gave me {$2000.00}. They did not tell me that my monthly payments of XXXX were only interest payments. I did not know this until I made my first payment and asked why my loan amount didnt go down. My car was taken when I couldnt pay. It was damaged in the process. I told them. They said file a complaint I did. They said it was denied. I asked by who they said the company who held my car after it was towed. My driver side door will no longer close all the way as if someone broke it to get in the car. This loan has really been stressful and predatory. I thought that I would be able to most off the loan in a couple months but the interest is holding me back from doing so. I did not understand when I got the loan that the interest was so high. I thought the monthly payments were going to lower my loan amount. I told them I got laid off and they still told my car. How can I look for a new job to pay for my loan with no car.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints, TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & these issue is creating a ton of emotional physical stress. Id like these matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from these accounts. Below is the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}.
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (VA)

I do not recognize these inquiries and I have asked to have them removed but the bureau havent removed them like Ive asked. I am providing a copy of identity theft report so the inaccuracies that arent mine can be removed. Attaching report.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX of XXXX between XXXX and XXXXXXXX XXXX I went to XXXX restaurant with a gift card. Gift card was declined so I used my serve American Express card. Moments later I checked my account come to find out I was missing {$1000.00} and some change and {$610.00}. Two transactions were done at the same time. Some how though it went from XXXX restaurant in XXXX TN to California to a grocery store by the name of XXXX. American Express says it'll take 45 days before the issue can be resolved. I have sent an email to the FBI and I will file police report. I need help recovering my money for this is my XXXX check we're talking about. Please help me.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (FL)

I was denied my own personal credit I feel like thats a violation of consumer law everybodys in titled to their own personal credit title 15 subsection title, 1611 faults and misleading denial of my own credit incorrect data or information, assassinate the ability for me to obtain credit 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805
Consumer complaint received 2024-01-11
Product: Credit reporting 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: EQUIFAX, INC. (FL)

I have reached out to Equifax for over 3 years now attempting to have my credit file Opened. I have been denied loans because the creditors are unable to access my credit file. Each time I call I am told that if I send a copy of my drivers license and social security number this issue will be resolved. 

On my recent call to Equifax I was told that they had the incorrect date of birth on file and that was the reason it was locked.I sent a copy of my drivers license and social and the issues still remains. When I login to the Equifax website there is no report to view but the account says that my credit file is not locked. 

I have been contacting Equifax for years to have this resolved and no one seems to be able to fix the issue.