davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This card company constantly send emails and letters around the XXXX and XXXX offering to say you're pre-approved knowing these are the time people pay their bills to deny deny them. I constantly receive these which actually have hard inquiries and some do not and they and not solicited.
Consumer complaint received 2019-12-12
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (TN)

I sent written notice to XXXX, the email address listed in my contract with Explore Credit, via email revoking my authorization to automatically debit from my bank account on XX/XX/XXXX. As of today ( XX/XX/XXXX ), they continue to draft my account while giving me an increasing number of requirements to " start the revocation process '', initially asking my reasoning for wanting to stop, which I refused to provide as my personal finances are private and I am under no obligation to disclose that information. They requested clarification on whether or not the revocation was for a single payment or all payments, to which I replied all future payments. Most recently they asked for XXXX days of bank statements in XXXX format, a copy of my driver 's license, and a selfie as well as a written letter sent to their XXXX XXXX within XXXX days to " start the revocation process ''. Their exact words were " But this is the process for the revoking account without supportive documents we can't proceed to revoke the account ''. This is on XX/XX/XXXX, now over XXXX months after the initial written notice was sent. All during this time they have continued to draft my account in XXXX payments taken on the same day, in the amounts of {$57.00} and {$19.00}. These amounts were taken a total of XXXX times AFTER my written notice was sent. Those dates are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additionally, if they continue to disregard my repeated written notices, there will be another draft taken today ( XX/XX/XXXX )
Consumer complaint received 2022-05-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (AL)

I was in the process of selling my house and I asked my old loan company ( Stearns Lending ) for a payoff so I could be ready by our closing date and in the middle of them getting me my payoff they sell my loan to Guaranteed Rate, I wasn't notified of this process until 7 days after it was sold and I had to find out myself by calling my old loan Company. I've been trying to get my pay off from Guaranteed Rate for around 10 days now and they keep transferring me to different people, and giving me different solutions on how this will be resolved. I've already missed two closing dates because of this issue. The first time I called the representative on the phone told me she would put in the request and I would get a mailed copy of my payoff within 10 days, The second time I called I was told representatives couldn't put in the request and that I had to specifically request it myself by email and I wouldn't get my results up to 14 days of request. I emailed a second time asking them to reply to me about my first email to see if they got it and they also didn't respond to it. I had to call a third time just to check and make sure they got my email. It seems like they just keep transferring me to different people, and making up excuses and different ways for them to not give me my payoff so they can add more fees to it.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (OR)

I had a Macy 's credit card that was opened XX/XX/2015., Macy 's, originally, had my correct address number ( XXXX ) but at some point, Macy 's had changed my address number to XXXX without my knowledge. I never changed my house number with Macy 's and not sure how this change occurred. Because of this issue, I did not receive any notification of a balance I need to pay off. As a result of Macy 's negligence of improper reporting of my account, the account was charged off. As soon as I found out about this issue, I paid in full.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

n XX/XX/2022, Someone impersonating an official from the clerk of the Circuit Court called me and asked for a bond release payment in order to release my friends teenager child. The transaction didnt go through and while waiting on the phone for a prolonged period of time, I became aware of the scam and requested cancellation of the {$700.00} XXXX payment. Shortly after, I received an email confirming the cancellation of the payment. I continued trying to speak to someone from CHASE to make sure the payment cancellation had gone through. At this point, the rep that answered my second call was rude, wouldnt listen to my request and hung up the phone while I was talking to her. I kept on trying to reach someone and the 3rd person I spoke to, asked me if I wanted to cancel the {$700.00} payment YES or NOT, my response was YES. At this point, I requested my account unblocked. After speaking to this 3rd person, I was finally able to access my account online and noticed that the {$700.00} was still pending. I went in person to the Chase branch near my home and I spoke to banker, XXXX XXXX, who attempted to contact XXXX but hung up the phone without speaking to anyone. XXXX XXXX looked tired and unwilling to help. By the way, instead of trying to assist me, she started judging my situation and bragging about her perfect family. I showed her a secure message on my account Indicating that the transaction was cancelled but I was concerned about the pending status. I begged her not to hang up the phone without speaking to the appropriate person but she said that the secure message was enough to proof that the problem had been resolved. I left the branch unhappy with the lack of professionalism of XXXX XXXX. The next day, the payment that was previously pending, had then been released. Many phone calls later, many incorrect answers and many fake promises after, I filed a complaint but after an alleged investigation, Chase and XXXX refused to accept their responsibility which was obviously a mistake of their incompetent employees.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I contact the bank of America in Saturday XX/XX/XXXX XXXX about a transaction error in my business account from XX/XX/XXXX when this bank system cash the same check XXXX different times in the same mouth i speak to them over the phone for XXXX and few minutes they never get any solution about this issue them the issue get worst when and XX/XX/XXXX I receive a call from bank of America to tell me the my bank account ben compromise and the someone call them to make large transaction for {$14000.00} dollars and to informed the they aloud other to transitions to happen the other XXXX transaction for the amount {$7500.00} each so my account lose {$15000.00} dollars and they fail to stop this transaction the i need to do claim and wait for 90 days for the solution when they compromise my business account and personal information in Saturday XX/XX/XXXX because after i speak to them in Saturday I received a call from bank of America tell me the they like to help me when i tell them the my attorney will take over of this issue and end the call one minute after they call again and some member of this bank tell the he well closing my business account so bank of America fail to secure my business and personal information they lose my personal and business information in Saturday XX/XX/XXXX and bank of America have scammers working inside of the bank to get secure information and the fail to protect the information the they have this financial institution need to be!!!!! investigated.!!!!
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX I received a call from client who had retirement check drawn on Bank of America were I banked at I asked teller what was the best way to transact where funds would not be placed on hold. She gave us procedure and we followed it. On XXXX both myself and the client went to BofA. She cashed, then deposite funds in his account then moved {$10000.00} to my account. On XXXX we both woke to a XXXX in your accounts. Called the bank they indicated account was closed because of risk factors. On XXXX client informed me that BofA allowed him to pick up funds at a local branch. I called on XXXX and made same request. BofA indicated that my account would be closed on XXXX and I may be able to pick up funds on XXXX I called account closure extended to, I called on XXXX, closure extended to XXXX, they finally indicated they were waiting on a client XXXX XXXX to respond to investigation. He did got another closure date, then another, then another approximately 6 different dates. On XXXX they indicated account was closing again and call in XXXX to make sure check was cut and mailed. I called and they said it has now been extended to XX/XX/XXXX. This is unexceptable and they are holding over {$100000.00} and have almost put me out of business. Could you please help them to release my money. They never give any reason for the holdbexcept according to your terms we can. There is no reason for the hold. Please help.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


EASTERN ACCOUNT SYSTEM / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.
Consumer complaint received 2019-07-17
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: CITIBANK, N.A. (AZ)

The problem started on XX/XX/XXXX, when my husband and I were applying for a home mortgage. The credit report showed a problem with my husband as a authorized user on my account and it placed his credit score at zero and no credit history. I contacted the credit card company and they stated there was no problem with my husband with them. The company in question requested I fax the copy of the report with my husband 's social security number, home phone number, credit card number and sign my name to the request. After getting the wrong fax number I finally got the fax to go through on XXXX, XXXX, I telephone the company to find out what is happening. I was told on XX/XX/XXXX, it would take twenty-four to forty-eight hours for the credit card companies, Credit Bureau Dispute in the internal division to investigate the issue. I called and talked to a supervisor who is a service representative on XX/XX/XXXX. She explained the twenty-four to forty-eight hour response time started on that date as they do not work on weekends. I telephoned again on XX/XX/XXXX and I was told to wait another day. Time is of utmost importance since we can not get a loan without the credit card company sending a letter stating my husband is not in dispute with the company. We had an excellent credit score for forty plus years and this is a first. I pay off the credit card company monthly and have no outstanding loans now. We own several homes that are completely paid for. The last loan we had was in XX/XX/XXXX in which our credit was excellent. We are in escrow now but without a bank loan and may default due to this problem. 
All we want is a letter faxed to the mortgage company stating there is no problem with my husband on the account. I have had the credit card for over twenty years without any problem
Consumer complaint received 2021-09-30
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: BMO Bank, N.A. (IL)

I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , BMO Harris Bank N.A XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Consumer complaint received 2021-09-30
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), Toyota Motor Credit XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

In XXXX XXXX XXXX, Caine & Weiner attempted to communicate via mail with me over an alleged debt. Through no fault of my own, the letter they sent changed several hands before it reached me at an inconvenient time, violating my privacy rights as a consumer. Within this letter, Caine & Weiner not only claimed that I owed such alleged debt, but that they would also illegally report and freely give my information to multiple credit reporting bureaus if I did not pay them. I reached out to them requesting validation of the alleged debt, but instead they responded with the information of where they in fact purchased the alleged debt from.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (NY)

I have been trying for the past 3 year to get this loan modified with XXXX XXXX who is my second mortgage with no luck as they require a substantial down payment which I do not have. This current review was submitted on XX/XX/22 and on XX/XX/22 i was informed that I need to come up with a down payment of {$21000.00} which would have to be paid prior to the auction date of XX/XX/22 which it doesn't give me enough time to try other avenues and only if I am approved. As of today they have not provided me anything in writing as a denial or approval and the auction is 8 business days away.
Consumer complaint received 2021-09-30
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: Scott Fetzer Financial Group Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

I used Moneygram Mobile wallet services to send {$170.00} to my mother in XXXX on XX/XX/2021 and the money was suppose to be made available within 4 minutes. However, today is XX/XX/2021 and the money is still not available for my recipient even though the receipt clearly states that the money will be made available on XX/XX/2021 or sooner. I called Moneygram multiple times about it but each time I'm told the only solution is to wait for up to 90 days for their investigation to be completed. Meanwhile, my mother is sick and needs the money ASAP to cover medical bills. I requested that the transaction be cancelled and I be refunded but they said it is not possible given the type of transaction. I want them to refund my money now or make the money available to my mother today and they should compensate me for the big inconvenience and unrealistic delays. 
The Reference number of the transaction is XXXX.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the XXXX Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.