davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

My XXXX  transfer from XXXX in the amount of USD XXXX from my account XXXX in XXXX XXXX  to account XXXX in Citi Bank XXXX XXXX has been rejected. Its been sent back to a correspondent bank CITI Bank NA and it is being held there for over 10 months now undeclared, not reported to XXXX as blocked and not accounted for to the remitting bank which makes it impossible for me to apply for XXXX license. It is now over 10 months that I am not receiving any information with regards to my funds. Even to track the funds I had to get multiple XXXX and reports from remitting bank to figure out the location, as CITI bank NA would not communicate to any of the involve parties ignoring all and any inquiry. They keep my funds unlawfully for over 10 months.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (GA)

I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from CoreLogic Credco, my information is sent to Credco who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2024 XX/XX/2024 I filed multiple claims totaling {$1200.00}. I purchased services on XXXX and XXXX  through XXXX. I got scammed because I never received the services and both merchants blocked my accounts after making the payments. Wells Fargo doesnt want to credit my account or solve the issue. Wells Fargo also used XXXX of my accounts to make some purchases and blamed it on me saying I put my information online ( account and routing number ) I froze my card and closed that account and made a new one. The new one was still making those unrecognized transactions. Wells Fargo also said I didnt have a right to make claims.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NC)

I am actively looking to remove my credit card debt from Wells Fargo. It has been a charge-off since XXXX of XXXX  and in NC the statute of limitations shows 3 years is the cutoff time for situations like these. I do not want this reported on my credit. The amount is {$930.00} Dollars, there has been no communication about this debt for years as wellno options on what can be done about it. I would like to have it taken off as quickly as possible.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I sent {$400.00} from new York on XXXX XX/XX/2019 to my first bank account in XXXX through money gram since the company claim that the can send money to your account directly. Unfortunately for me the money was not delivered to my account till now. This money was meant to pay for a deposit in the hospital so that the doctor can attend to my uncle who was sick over there. I have called moneygram several time to resolve the mater and I keep on getting the same response. The always tell me to call back in two to four business day that the bank in XXXX has not gotten back to them. I keep on getting the answer any time i called and I decided to call the first bank head office in XXXX. Only for them to tell me that no one contacted them. The suggest to me to ask money gram which email or number the contacted but money gram refuse to disclose that to me. I am frustrated and I think money gram shouldn't operate in XXXX if so much complain continues. 
Please I want CFPB to help me recover my money because is not yet deposited in my account and mony gram still have the money in their possession.. 
Thank you for anticipated cooperation.
Consumer complaint received 2023-03-09
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: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Reporting Act my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Office of Brett M. Borland, P.C. (TX)

I am writing to file a formal complaint regarding the conduct of a debt collector, Law Office of Brett M Borland, P.C., in connection with an alleged debt from 2021. I believe the actions taken by this agency violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Around a year ago, Law Office of Brett M Borland, P.C. initially contacted me about the aforementioned debt, utilizing threatening language and suggesting legal consequences, including the possibility of being sued and incarcerated if I failed to pay. I complied with their requests initially ; however, I have since stopped responding to their communications.

Despite my discontinuation of communication, Law Office of Brett M Borland, P.C. has persistently continued to contact me, exhibiting what I consider to be harassment. This unwarranted persistence has caused me considerable distress and anxiety. I am concerned that their actions may adversely impact my credit report. 
Below are relevant details for your reference : * Nature of the debt : Rental Debt * Amount claimed : {$2000.00} XXXX kindly request that XXXX, XXXX and XXXX investigate this matter thoroughly, considering the potential violation of my rights under the FDCPA. Additionally, I urge XXXX, XXXX and XXXX to take appropriate action to ensure the accuracy and fairness of the information on my credit report. 
I appreciate your prompt attention to this matter and trust that you will conduct a thorough investigation into the reported actions of Law Office of Brett M Borland, P.C. Please keep me informed of the progress and outcome of your investigation.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have paid for a one year of XXXX tv service with XXXX on XX/XX/2022 and I paid XXXX dollars but since XXXX and I do NOT HAVE THE SERVICE FROM XXXX BECAUSE THEY HAVE INTERNAL ISSUES. I paid for a tv service that I did NOT receive and I am not getting the service since last XXXX and I can not reach XXXX  customer service because again they state that they are having issues and they refuse to refund me my money when I chat with them and I did all the troubleshooting they have on their website. But again I paid for a service that I am NOT getting at all. Its XXXX and the charge is XXXX on XX/XX/2022 on my capital one visa card. I called capital one Visa card to dispute the charge but they refused to help me because its from last XXXX but I paid for a service that I am NOT getting so I want a full refund of my money. I want my money back. Capital one needs to submit the dispute for me and refund me XXXX dollars and charge back XXXX XXXX I am attaching pictures of the charges and a picture of the service not working. Capital one Visa card needs to resolve this issue to my favor and refund me my money
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$640.00} XXXX Late Dates XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Ive been actively trying to resolve this concern with Chase bank for the longest time since I was reported late 30 days, twice, on my credit report due to no fault of my own. 

I have spoke and confirmed this with a Chase representative who agreed with me the system Chase uses is false and leads to misinformation regarding accounts. 

The Chase system does not show correct account activity when payments are made to their Auto Loan accounts until the entire balance is processed on its own. 

Since the beginning of the lease, Ive had nothing but trouble trying to have my payments made and processed through chase without being charged some late fee when my payments are made on time. 

Back in XXXX 2018, I noticed the payments I had been sending to Chase for my car were not being reflected on the balance. My car payment due is {$270.00} each month, if I submit a payment for {$170.00}, that payment does NOT get applied to the balance whatsoever. It will STILL reflect an amount of {$270.00}, instead of {$100.00} thats is owed, which is misleading and completely not fair. 

It leads me to not know exactly how much is due after processing payments because even under recent activity, it does not show the past payments Ive made on the account. Only payments Ive made months prior show up and not recent made payments. 

Its not fair Chase does not apply the amounts Ive paid to my car to help show the right balance due on my car, this purposely misleads customers like me and we end up being penalized for not paying when weve processed multiple payments to our loan. 

I should have not been reported late 30 days for a past due balance of {$30.00} when I had made those payments and if chase updated the balances correctly customers such as myself would not have been reported late. 

Im kindly asking for chase to review and kindly update my credit report to reflect good standing due to bank errors that dont seem to get resolved.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BOA Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested one of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call Bank of America credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for three months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (VA)

I have been trying to log on to Loancare 's website and app since XX/XX/21 to pay my XXXX mortgage. The site has been down this whole time. I have called and have not been able to reach a person. Most of the time the call disconnects. I have received no information via email or otherwise as to what is going on.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

Previous complaint made about this issue, $ XXXX transaction was made and was unauthorised, they investigated another transaction, and not the large amount that was unauthorised. Time frame for determination has been exceeded, I'm requesting sanctions and a refund for the charges. 
ORIGINAL COMPLAINT : XXXX
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (PA)

It's a derogatory reporting to my credit report from Aspire Credit Card ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

NCB Management Services is attempting to collect an alleged debt from me on behalf of XXXX. NCB is not the original creditor and in fact a 3rd party debt collector. In the letter attached to this complaint, XXXX clearly states that the alleged debt was charged off. Pursuant to Federal law, a charge off means that this debt is written off by the creditor. In the same letter, XXXX also clearly states that after they wrote off the debt, they then sold it to NCB. This is misleading and illegal. Pursuant to Federal law, when a debt is charged off, the company is to provide the consumer with a 1099 so the consumer can report the amount as income on their income tax. Pursuant to Federal law, it is illegal to furnish income on a consumer 's credit report. Since XXXX had clearly admitted to charging off the debt, the account should have then been deleted from all of my consumer reports at the time of charge off, not sold to be collected upon by a company who has no 1st hand knowledge of the alleged debt. Pursuant to Federal law the consumer has to give permissible purpose and written instructions for information to be furnished on their consumer reports. I did not give written instructions to XXXX  nor NCB to furnish this incorrect and illegal information to my consumer reports. I also do not have a contract with NCB Management Services. NCB is attempting to collect a debt that is legally not valid. NCB still continues to tarnish my reputation and credit with their false allegations and lies. This is still causing me undue hardship and discrimination against my credit die to their negligence and illegal practices.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use XXXX income. 

I have paid XXXX so far back on the XXXX owed and AIDAdvantage ( was XXXX ) will not update the correct amount on the credit bureaus, XXXX is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit reporting.
Consumer complaint received 2023-03-01
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 am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of Experian, XXXX, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over XXXX XXXX XXXX XXXX 

I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and Experian, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of XXXX, XXXX, and Experian to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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