davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

Ally bank has frozen my accounts after I received a loan from the SBA. Now I can not access my funds and the fraud department will not work with me. Ive been hung up on and received very little information about what is going on. I submitted documents that were requested for me being a sole proprietor, but the investigator has not returned my emails or phone calls.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AAA Collections (SD)

This is a medical bill resulting from a childbirth, and was covered by Medicaid, we have attempted everything we can to resolve with the agency, they repeatedly tell us they do not care, this is the second or third time they are trying to garnish my wages for a debt that shouldn't exist
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I noticed a fraudulent bank account under my name and it shows deposits made from coinbase inc on XXXX which I was not made aware of till XXXX. At that time I did not have a coinbase account. I did open one on XXXX but I do not have full access to it as of yet because of another account possibly open under my name which is fraud. There is no way to file my complaint or gain access to any info with coinbase inc. I am here now to get answers.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

I believe my accounts with Wells Fargo was charged overdraw fee that were not necessary or delay my payment so that I am charged an overdraw fee.. I would like for you to look into this issue to see if I'm eligible for some of the consumer payback that Well Fargo is offering. Please contact me by email or by phone at XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 {$3500.00} transferred using XXXX. 

I received the fraud text and a call from Bank of America. 
I noticed {$1.00} that was taken out without my consent. 
They also told me that there were {$3500.00} worth of transactions took place, but it won't show on the statement due to the activity taken place at different city with different time zone. 

In order to reverse the matter, they told me to transfer the money through using XXXX to my name with my phone number. 

After taking the action, I called the bank. I found out the whole thing was a fraud. 
I filed the claim right away.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GREAT WESTERN BANCORP, INC. (NE)

I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (CA)

I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!! 

DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}
Consumer complaint received 2021-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (AZ)

On XX/XX/XXXX we entered a forbearance agreement with Homebridge Financial as our loan servicer due to financial stresses related to the COVID pandemic regulations. The forbearance began on our XX/XX/XXXX payment due and ended after our XX/XX/XXXX payment. Communication from Homebridge to repay the balance due was not clear and one sales representative in particular that called insisted that the only option was for a loan modification. We did not want any adverse effect on our credit and had the funds to repay in full the balance due from the forbearance period payments and escrow. The sales representative was insistent the modification was better even after we insisted we wanted to pay in full. We called later and spoke to Customer service and were give a dollar amount remaining due on XX/XX/XXXX after we had already made a payment for the XX/XX/XXXX payment due. We paid the amount we were given. The following month we made a regular payment for the XX/XX/XXXX payment due on that day but were unable to set up reoccurring payments because records still showed we were past due. We waited for payments to update on the system but called 2 weeks later and were told the amounts were still off and we were still short by 2 months payments, we disagreed and asked them to submit a ticket to investigate but made a second payment in the month of XXXX. Homebridge did not resolve the misallocation of funds and applied part of the repayment to the escrow account exceeding the amount needed to pay more than the annual amount. We made another 2 payments in the month of XXXX to resolve but with each payment Homebridge records still do not reflect on time or current. according to our records and all payments made we have now overpaid by 2 months worth of payments and continue to pay monthly on time but Homebridge shows us as being 30 days past due. Responses to written requests are automated or scripted and they never directly address any questions or resolutions to the issue. It is now the end of XXXX and we still have not received a written resolution or correction to our account to show on time. Luckily this has not been reported to credit but that is also our concern as this would be very damaging to our credit history even though the paper trail and payment records show full and current. - VERY dissatisfied customers
Consumer complaint received 2021-09-28
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: CLGF Holdco 1, LLC (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XXXX 2021. I have read enough to understand my rights. The XXXX Credit Bureau is attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are detrimental to my credit score. 

XXXX XXXX  Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please provide an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2021-07-29
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. (WI)

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Consumer complaint received 2021-07-30
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)

On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.
Consumer complaint received 2021-07-30
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-02-12
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. (NY)

according to this account XXXX account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was contacted on my mobile phone under the XXXX XXXX  XXXX XXXX FRAUD stating fraudulent activity was occurring in my bank account. I was directed to then transfer my current balance to my email using the third party Zelle services so that it may preserve them from being compromised & a new debit card would be issued to me in 7 days. The funds never arrived back in my account even with the email attached nor was a new card ever ordered. I reported to my bank and they have filed a fraud claim and advised me to file here as well.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CO)

I have been XXXX XXXX military for 15 years, and, therefore, I am exempt from paying personal property taxes. I originally leased my XXXX XXXX in NC in XXXX  and recently paid off the remainder of the loan, meaning I now own the vehicle outright. Despite providing all the required documentation to verify my tax-exempt status from the time I started leasing the vehicle, Honda/Acura Financial Service continues to call me and tell me I owe payment for personal property taxes. I have reiterated to multiple agents that, by law, I do not in fact owe the tax and that if XXXX has been paying it unnecessarily on my behalf over the last 2 years, that is their problem to fix, not mine. 

Honda/Acura Financial Services has now reported my account to XXXX  as being delinquent based on this property tax issue, despite the fact that I own the vehicle and have no outstanding payments due. When I called their 1-800 number to dispute this debt, the representative was unable to put me through to a supervisor and told me it is my responsibility to contact the tax agency in the county where we purchased the vehicle to verify my tax-exempt status. Not only do I no longer live in NC anymore due to moving to my new XXXX XXXX over 2 years ago, but Honda/Acura Financial Services is essentially transferring the blame for their paperwork error to me, telling me I am responsible for fixing it, and damaging my otherwise perfect credit. The representative claimed I will receive a call-back from a supervisor within 24-48 hours. Meanwhile, this issue remains my responsibility to fix. To say I am upset and completely unimpressed with Honda/Acuras customer service is an understatement, and I do not intend to pay a tax I am legally exempt from paying.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2018 PORTFOLIO RECOV ASSOC, add a derogatory mark on my credit report per XXXX XXXX, XXXX  XXXX  and XXXX. upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused dept at all. a bill without a signature does not validate the dept and anybody can send a bill and says its mines. according to the FCRA, PORTFOLIO RECOV ASSOC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

After reviewing my credit report, I noticed Midland Credit Management was reporting on an alleged debt. I contacted Midland Credit Management on XX/XX/2021 with a Debt Validation Letter and requested for evidence that I had any legal obligation to pay them. They responded with insufficient evidence as well as violated my federally protected consumer rights. I have never consented to contract with Midland Credit Management nor gave them permission to breach my privacy. They have a total of 8 violations pursuant to 15 USC 1692. I am aware that I am the natural consumer and original creditor.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

XXXX and XXXX are reporting late payment but different months. XXXX is reporting it as a collection but not TransUnion and XXXX. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. TransUnion, XXXX, and XXXX continue to report inaccurate information knowing it to be false.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (IL)

I was checking my credit card seen I was being charged a penalty interest rate. I have had this American Express card for 5 years and never late almost always pay more than payment due. In XXXX I added a new bank received Email as soon as I received email, I fixed it. Payment still on time. They raised my interest for accidently putting in account number wrong. Totally I unjustified action!!!
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have been struggling for six months with the chase slate credit card. The staff or employees regarding the chase slate credit card denied multiple attempts to pay the credit card and falsified my information regarding my bank account method used to pay the bill. I have been trying to escape the billing cycle for over six moths with many unreasonable late fees and late fee adjustments that I don't deserve.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are two ( 2 ) Historically Under-utilized Businesses ( HUB ) companies duly registered in the State of North Carolina and responsibly carrying on business in the state by XXXX XXXX XXXX ; a USA citizen. While XXXX XXXX XXXX and XXXX XXXX XXXX has been in business since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX was incorporated on XX/XX/XXXX with the NC Secretary of State ( SOSID : XXXX ) having been appointed a XXXX XXXX Agent to carry-out Money Transfer Services. 

The above mentioned HUB companies both opened and operated recently Business Accounts with First National Bank of Pennsylvania branch located on XXXX Falls of XXXX XXXX, XXXX, NC XXXX. Without the attendant due process and recourse to our companies ' representative/business owner ; First National Bank of Pennsylvania reversed duly presented check payments made by a Mr XXXX XXXX XXXX to our company for services provided resulting in debit balances of XXXX XXXX and XXXX Dollars and XXXX Cents ( {$720.00} ) for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Dollars and XXXX Cents ( {$240.00} ) for XXXX XXXX XXXX XXXX XXXX. 

These debit balances are not owed by our companies as alleged by First National Bank of Pennsylvania ; who in turn turned over these debit balances to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection. We dispute the basis and authenticity of these debts and want the CFPB to intervene and invalidate these claims by First National Bank of Pennsylvania and XXXX XXXX XXXX XXXX XXXX XXXX