davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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: Advanced Collection Bureau, Inc. (FL)

On XX/XX/2023, I called Advanced Collection Bureau Inc to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

We deposited {$720.00} in an ATM cash. And the ATM shut down. Midway never gave us a receipt, and now we are out of the money. The bank did put the money back into my account. Did an investigation and they found in their own favor and said they were going to take {$610.00} out of my account on XX/XX/XXXX. I don't know what their investigation involves. Or who counts the money or who has the video? But I run a very small farm. And I have no room for error and I know what money I put in the bank.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CT)

I am a member of chime I was issued a refund from XXXX XXXX  a few years ago the bank has with held the refund even with all of the necessary proof that the refund was issued to them. And it is due to me I have reopened the dispute and asked for a resolution and they informed me I would have a resolution by XX/XX/2023 and still no resolution or my money back they keep telling me to wait XXXX hours to hear back here it is XX/XX/XXXX still no resolution even after my attorney spoke with them. They are still withholding the amount of {$1200.00}.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

On Amazon I was solicited for a {$250.00} Gift Card and a XXXX % cash back credit card if eligible ( sponsored by Chase/AMAZON Prime Visa ) . I applied on XX/XX/XXXX with an income of almost {$300000.00} annually, rent of {$2500.00}. per month, no other debts, and a XXXX score of over XXXX. I was denied for the offer, got a ding on my credit, the denial confirmed my score at XXXX but claim my obligations are too high to my income. I calculate my debt to income ratio at XXXX  %. If I am not eligible for this card who is? I feel like this was a scam to get my information. I also noticed other complaints of the same nature, feeling like denial was not correct and this was some type of scam to get folks to apply.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (MO)

On Friday, XX/XX/2024, I received the following error message from payments.google.com : Your profile is under review. 
Your profile is under review. Your service is still active but some transactions may be limited. Please respond to any request for information. 

When I selected Learn More, I was redirected to support.google.com where I received the following prompt : Verify your account We were unable to verify some information in your Google Account, so we have temporarily suspended your account. Until we verify your account information and reactivate your account, you may be unable to buy things from Google or use some Google products. 

To reactivate your account, please provide the information and documents listed below. It's important that the " Email '' field contain the email address of the account that has been suspended. 

You'll need : A government-issued ID. 
A document, such as a bank statement or utility bill, showing your name and address.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hey! Im getting ready to get a home and upon checking my credit report, I noticed somethings werent right. I have identity theft report attach. Please review the following inquiries 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 2016-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc. (CO)

I have received a high number of calls from this debt collector. I have requested they send me documents advising what is owed and requesting a statement more than once. I've checked my mail and never received anything. I verified my mailing address and they have it correct but keep calling to get payment. I advised i would call them back once i receive the statement to set up a payment plan and they just keep calling my personal phone. Now they have gotten in contact with my employer, called numerous times and i have management looking at me differently and advising i shouldn't be taking personal calls on a work phone.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

Dear Sir, This is to bring to your notice that, I had utilised the services of Western Union based in XXXX on XX/XX/XXXX to transfer an amount of XXXX $ from my checking account with XXXX XXXX XXXX ( account ending in XXXX ) .to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX ) XXXXWestern Union charged me XXXX $ for this online money transfer ( inclusive of proccessing fees ) .They said the transfer would be done in XXXX days, as advertised.I had been getting calls from XXXX XXXX XXXX, the recipient , that the money has not been transmitted even XXXX  days after the transfer was initiated and the money taken from my US checking account.On contacting western Union, their agent XXXX XXXX apologised for the delay and said they had issues for processing and she would initiate an investigation.She said they would contact me after XXXX XXXXI asked for a refund.I had to send XXXX XXXX the amount of XXXX through XXXX XXXX ( XXXX ) and she received the amount in a few hours.This delay has tarnished my reputation and caused me undue mental duress.I contacted Western Union again after a week and asked for the reasons behind the delay and the status of refund, Now they say ( XXXX XXXX ) the amount had gone through on the XX/XX/XXXX and they would initiate an another investigation and contact me in XXXX hours.. I believe the representatives of Western Union are just wearing me out, by delaying the issue.Neither have I been refunded.They said, I should contact the recipient 's bank in XXXX and ask for the refund. Kindly take action against this agency based abroad and please refund me, the amount of XXXX XXXX charged from my checking account resulting in me, sufferring undue mental stress and hardship. Kindly bring to the attention of other hapless US consumer using the services of this fraudulent company XXXXWestern Union , who misuse US Banking laws Regards, XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-21
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I cant login to TransUnion. Ive tried so many times this week every which way possible. First it tells me that I have an account with them already created that I need to login but its not recognizing my login info so I asked to do a reset to reset my password, and then I asked me for my last name and my Social Security number and then, when I give my last name and Social Security number, and then tells me that my last name in my Social Security numbers, dont match up. Obviously, this is not true! I tried to do chat with the platform through the app and through the website and the robot tells you that you need to login before you can chat and since I cant login I cant chat. So then I called to ask for help and when I called, I was put on hold And after XXXX minutes hung up on. Ive called XXXX times in the last week and I cant get anyone on the phone. I need to unfreeze my TransUnion account so that I can apply for a loan and I cant get into TransUnion using the mobile app or the website and theyre not recognizing my information and theyre telling me my information is wrong and I cant get anybody on the phone to fix it. I need to unfreeze that account and I need access to my TransUnion account info. I also am disturbed that the website in the mobile app is telling me that my Social Security number is wrong and its not wrong because Ive had the same Social Security number since I was born. I need to unfreeze my TransUnion so that I can apply for a loan. I have no way to reach TransUnion as Ive tried every which way possible and they are unreachable. The other problem Im having with TransUnion is that at one point the screen opened up that said that I had to start an account with the transition website to access my information so then I would try that way to start up a new account and then I get a prompt response saying you already have an account with us please login using your login info. So I also tried that way as well, and I still cant access it or get into the website. The last thing I want to point out is that another screen popped up at one point and it said in order for me to access my Social Security information and freeze and unfreeze my account, I have to pay to subscribe. I need my TransUnion account unfrozen if its actually frozen and I need access to my credit report through TransUnion. Can you help fix this problem because theres no way I can fix it on my end as the company is not reachable. Thank you!!!!
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. I have previously filed seven formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. On XX/XX/XXXX at XXXX XXXX, in a conversation lasting 40 minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from three months ago before they could proceed. What level of professionalism is this? Who should I return goods to after three months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? Hahaha! I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. Thank you. Sincerely
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CO)

Company Making RoboCalls : Municipal Services Bureau Their Phone Number : XXXX My Complaint Against Them : I am retired and have been debt-free for over 30 years now. I keep getting RoboCalls from this company, and they do n't even mention me by name when-making these automated-calls ... which leaves me to believe it is some kind of SCAM or MISTAKE on their-part. Perhaps they are 'seeking to find ' someone ELSE, however - it ANNOYS me to be getting 8-10 calls a WEEK from these people ...! Are-they 'human ' - or are-they ... ROBOTS?
Consumer complaint received 2024-03-25
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest. I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability. I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount. I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. Sincerely, XXXX
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (OK)

date XXXX the amounts of credit extended XXXX to wells Fargo auto I have send a letter to resolve the issue they fail to respond to the letter or to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (ME)

I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed my account with Transunion for XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to XXXX XXXX but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will XXXX the attorney general and the XXXX XXXX XXXX I gave no permissible purpose to report my information. All information on my credit report should be 100 percent accurate