davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I tried to add money to my account at transferwise.com ( created through the US part of the company ). I tried to add XXXX ( XXXX kroner ), and their website clearly states that the money " should arrive in 4 minutes. ", with no " but '' or " estimated time, may very '' or other similar qualifications. The money was to be added from my bank account in XXXX. ( I am a citizen of XXXX but have studied and worked in the US, and I made the transferwise account while in the US ). 

I used the " trustly '' option to add money to my account. ( trustly is the external service provider that transferwise uses to transfer the money ). 

I transferred the money on XX/XX/XXXX, and after making the transfer - the money having been drawn from my bank account in XXXX - I am told that the money will actually not be available until XX/XX/XXXX. 6 days, not 4 minutes!!!!!! I have contacted the company 's customer service and asked them to do something multiple times, e.g. provide me a temporary credit / access to the funds before the arrive on the XXXX, but they have repeatedly declined this. They are telling me that the transfer will be slower than promised as a result of banking holidays, something that transferwise 's website did not inform me of. 

During my interaction with the customer service they repeatedly said that the money has been transferred to trustly and that they can not do anything as the money is now in the hands of trustly. I have not made any agreement with trustly, only with transferwise.com, so I do not see how it supposed to be my responsibility that trustly does not deliver the money as promised when it is transferwise that has promised me a delivery time of 4 minutes. If transferwise uses a third party to handle the service, and the service is not up to standard, then it is not fair ( and probably illegal ) for me to suffer as a result. 

What fraud! I am very angry. It is misleading.
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX - XXXX  # XXXXXXXX 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The Best Service Company ( a collection agency ), and XXXX XXXX  remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my XXXX XXXX  account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with XXXX XXXX department, XXXX XXXX   failed to pursue XXXX and collect the funds. XXXX XXXX  instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but XXXX XXXX  created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as XXXX XXXX   subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The Best Service Company or any other agency.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am trying to refinance my house for lower payment, the refinance company said : there is a CITICARDS CBNA dispute at your XXXX XXXX XXXX report that must be solved before we do the final closing. I called CITICARDS Bank 5 times and they said ; " we don't see any dispute at your account for the last 30 years, we don't know how this dispute issue appeared at your account ''. I have it record it when they said that in my files. they said call universal credit services tell them to remove, I did call them 5 times switching me from one agent to another and all said " you must contact CITICARD to remove it they are the one put at your records. finally called CITICARDS again and the representative said ; I will try to help you to remove we will let you know in 30 days case number  XXXX. 
Please help me to solve this issue and remove it from my account my credit score is XXXX one of the best all my life worked hard to keep it at that number, thank you
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I wanted to sell a used television for XXXX $ and posted an ad. A potential buyer reached out to me and asked me for my zelle details to transfer money and get the tv. I gave him my email which is linked to my zelle account. Then I received an email from XXXX : REQUIREMENT TO RECEIVE THIS FUNDS 1. Get your Zelle account ready.

2. Contact the buyer for our agents info that was sent to himher via email. 

3. Send the sum of {$400.00} USD to XXXX XXXX. 

4 Take a clear picture/screenshot of the payment once effected & reply to this email.

5. Instant {$500.00} USD will be credited into your Zelle account.

N/B- If you have any further questions, kindly send reply to this email. This mailbox is monitored and you will receive a response as soon as possible. 

Thank you for using zelle ZELLE CUSTOMER CARE I sent him XXXX $ and then I received another email : Zelle Logo This is to inform you that your pending payment of {$500.00} USD has been processed and approved and will be credited into your account soon. 
In order to get the total money credited into your account today you have to pay a certificate fee of {$1000.00} USD The certificate fee represents the approval and insurance of your funds. 


XXXX  XXXX XXXX. 

Note : The Certificate Fee will be added to your pending funds and you will be credited with the sum of {$1500.00} USD Below Is The Instructions : Youre required to send the certificate fee to our agent Zelle information.Take a clear picture/screenshot of the payment once effected & reply to this email. 


{$1000.00} USD TOTAL SUM : {$1500.00} USD Then I realised that this is a scam and immediately reported to my bank. They asked me to contact zelle but even they are not helping me on this issue. 

I lost XXXX $ in total.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

Good Afternoon, I filed a previous CFPB complaint for this problem where I referred to the financing agreement as a reaffirmation, which is what I thought it was : Ally is calling it an Auto refinance, so I am filing a new complaint using the auto refinance terminology. 

I financed a XXXX XXXX XXXX thru GMAC which was then transferred to Ally bank. The car was titled in Maryland. The VIN number is  XXXX. The car and loan were included in a XXXX chapter XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to refinance the loan and make it more affordable for me. I accepted the new loan and paid the new loan in full, every payment on time. The loan has been paid in full for more than 5 years. I have actually purchased a new vehicle since then and also financed it with Ally bank and it has been paid in full. The XXXX is in very poor condition and not running. It needs a transmission, among other problems. It wasnt until I tried to dispose of the car that I realized I did not have the lien release. I have been trying to work with Ally to obtain the lien release for over 6 months. I can not properly dispose of the car without the lien release. I have been told by Ally that they have outstanding fees totaling over {$1000.00} from the first loan that they did not include in the refinance. I have been told that they are not attempting to collect the charges because they were included in the XXXX bankruptcy but that they will not provide me the lien release until the charges are paid. I paid the new loan they gave me for the car in full and would not have accepted the refinance offer if the car was not going to be mine free and clear at the end of the loan. Ally has assigned the following case number to this complaint : XXXX. Additionally, Ally can be reached at XXXX option XXXX
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I opened the account through XXXX with Synchrony XX/XX/2017 and at the time the credit line was at {$1200.00} and I made a purchase at {$640.00}. The bank later came and down my credit limit down which put me in default and over drawn. I paid the card and never used since that time. A few weeks ago I got a letter from Synchrony that they closed my account due to bad credit. I never applied for an increase in credit limit.
Consumer complaint received 2019-09-10
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: JPMORGAN CHASE & CO. (FL)

Made a hotel reservation using a different card in XXXX. Emailed the hotel to confirm reservation. Received reply that everything was ok and confirmed. Arrived at the hotel and the receptionist told me my reservation was not valid and I had to pay a new reservation for XXXX euros. I showed them the confirmed reservation and the printed email answer including the name of the person that replied. They stated they didn't care, and that I had to pay for reservation. I used the Chase Sapphire card and signed in the line : WILL DISPUTE. At the checkout they even tried to collect XXXX euros for taxes, until I started calling the police and they finally stated oh no, there are no taxes to be paid, you're good to go. Clearly this hotel is trying to scam customers. After arriving at the US I filed a dispute with Chase. Showed them proof of payment, email with the hotel, and statement showing the confirmed hotel purchased. After several calls from Chase Specialist XXXX, she stated Chase could not even resolve my dispute because the quantities did not match. I explained the original reservation was done in XX/XX/XXXX, and was paid in euros. The transaction came to be {$140.00} USD at the change that day. On XX/XX/XXXX when I was scammed on my Chase card, I was charged XXXX euros, which came to {$140.00} USD. She stated that because the amounts did not match, she could not resolve my dispute. I explained currency conversion and she did not care. As a result I've downgraded my Chase Sapphire Reserve to a Preffered, and will be closing my account in a week when the balance is paid. After a long term relationship with Chase, I honestly did not expect this level of stress or bad customer service.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : XXXX
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have reached out to both State Employees Credit Union and XXXX to correct the status and reporting history of a previous Visa account. SECU is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from SECU that the account was indeed charged off on XX/XX/16 and provided this to XXXX. XXXX is stating that when presenting this documentation to SECU, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-01-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (IA)

XX/XX/XXXX I sent XXXX XX/XX/XXXX I sent XXXX XX/XX/XXXX and XX/XX/XXXX I sent XX/XX/XXXX which is my mortgage. XX/XX/XXXX they sent me paperwork to catch up payment saying I hasnt paid at all. They have put my partial payments into an acct and not towards my mortgage. I contacted them to ask for paperwork to catch up. They sent it I filled it out had till XX/XX/XXXX to send all paperwork. Which I did XX/XX/XXXX per email. XX/XX/XXXX I recieved paperwork saying I was denied cause I didnt send it. I called and left message of when I did per email. To no avail. I have applied to vet organizations for help. And have left message letting them know I need a current amount after what I paid is taken off. They have given me nothing or those organizations. I have left message telling them to take my escrow money to put it towards payments. Or send it to me and I will do it. They are also still making us pay taxes even though we are exempt. They know this the county sends them stuff and I have every month with my payment since XX/XX/XXXX of last year. There is over 5000 in that escrow because of that.
Consumer complaint received 2019-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

Experian failed to re-investigate. I also sent a letter to the company requesting for proof of this authorization, yet I received a response.
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (KY)

I am not for sure the exact date of my loan it was for {$800.00} from Blue Trust Laon. I was diagnosed with XXXX and have been off from work. I had XXXX  XXXX XXXX XXXX of XXXX XXXX  XXXX. I am expected to pay back over three thousand dollars I was desperate for money to pay my utilities bills. I can barely make it now due to my illness.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I went in to the branch to advise of hold on my account. They advised that there were some attempts made on my spouse 's card and the account is on hold. I was advised to come back next business day with spouse. I came back next business day and they opened a ticket regarding the issue. I was not provided with ticket number, nor proof of what attempts were made on my account. I was not provided with an XXXX on when they would release hold on my account. I have now spoken with branch manager and fraud division and they keep referring me back to each other advising that they do not have the power to release the hold and it should be done by the other entity. I have no access to my money and have no way of paying my bills.
Consumer complaint received 2018-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

I tried to communicate as instructed by XXXX XXXX XXXX XXXX XXXX ( see attached ) with " servicer '' to address my concerns in XXXX email dated and forward to all parties involved on XX/XX/2018. Please see below email forward. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To XXXX CC XXXX, XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XXXX, XXXX XXXX has informed me to contact you " the Servicer '' ( SLS ) and now I have been declined information from both you and XXXX XXXX referencing my concerns as a consumer-homeowner. 

XXXX XXXX stated SLS in fact is not affiliated with XXXX XXXX in anyway ( per the XXXX letter attached from XXXX XXXX ). These statements from XXXX XXXX are misleading, deceptive and confusing. " Please advise clarity of your affiliation and a detailed explanation of your position. 

If all possible can you furnish me a contract that confirms your interest in and with XXXX XXXX  and all Trust, in addition to a clear chain of title from the originator due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX having no knowledge of the chain of title who in fact transferred this unlawful transaction to you without merit. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT Please confirm and respond within 15 days of receipt. 

Cc : XXXX XXXX XXXX XXXX - VP
Consumer complaint received 2018-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I consolidated my federal loans with Sallie Mae years ago. When the Public Service Loan Forgiveness became known Sallie Mae told me over the phone my loans would qualify. Then my Sallie Mae became  Navient and Navient told me I don't qualify for the 10 year pay off. I'm XXXX years old, a XXXX XXXX XXXX XXXX XXXX and I spend months arguing with Navient. I don't have time to argue for years with Navient so I transferred those loans to the fed loan system, so I can at least start the payoff. How do I get Sallie Mae or Navient to honor the Public Service Payoff?
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

XXXXXXXX XXXX XXXX XXXX XXXX  Has sold the debit to LVNV funding and both parties are Reporting negative on my credit which is against federal law and must be corrected asap.

Only 1 party can report the debit and that is current debit holder This must be removed from my credit file as a charge off and bad debit even though this was a exwifes credit card and did not belong to me.

I called both credit reporting g agencies and they told me to call XXXX, called XXXX XXXX  XX/XX/22 @ XXXX XXXX  I was told by supervisor it's mot his problem and to take it up with credit bureaus of I have a problem. 
No accountability and this is a violation of my rights granted to me by 15USC1681 part 1through 4 XXXX  XXXX must take immediate action and resolve at once
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (TX)

I, XXXX XXXX, entered into a credit consumer contract with XXXX XXXX XXXX in XX/XX/2018. They have not been responding, nor have they done the proper investigation requested. This has seriously hurt me as a consumer, and has caused a lot of stress. This debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not provided me with my account statements for my Prima Interest Checking Account # XXXX  despite three requests. The last paper statement I received from the bank was for the period XX/XX/XXXX thru XX/XX/XXXX. I need all the periodic account statements startingXX/XX/XXXXthereon thru to the account closing statement dated XX/XX/XXXX. In addition, I need a copy of the account opening documents ( Personal Signature Card with Substitute Form XXXX  ) bearing my signature.

I also need a statement for my Investment CD Account # XXXX XXXX XXXX XXXX, which again was never mailed to me.

The statements should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX