davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted XXXX and Ally Bank, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial transactions are being declined ).
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

BSI Financial services has failed to process multiple payments in a timely manner including for XX/XX/XXXX. They keep blaming a " delay in mail '' on this issue. I sent the XXXX payment on XXXX XXXX, XXXX and it was not processed until XX/XX/XXXX. I was on vacation when I realized the payment was going to be passed the late fee date so I called customer service ( which is always a joke to deal with ). They did nothing but tell me the mail was late. I had to call multiple times and try to stop payment on the check which I was unable to do while on vacation. A representative told me they had stopped the payment on their side, which was a lie. I then scheduled a payment so I would not get tagged with late fees. XXXX  payments then got taken out of my account, one on XX/XX/XXXX and the other on XX/XX/XXXX which caused me to incur fees from my bank. I called to complain but nothing was resolved. Now I am having to deal with them not providing me with a 1098 tax form. It was allegedly sent via mail on XX/XX/XXXX but got lost to a " delay in the mail system ''. My tax information is also not posted on their website and I am having difficulty getting them to provide it. This includes a request on XX/XX/XXXX in which I was told I could not have both a print and emailed copy sent.
Consumer complaint received 2022-12-16
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. (TX)

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

XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I took out a flex loan from Citi through my double cash card. When I saw the payment due in the Citi app and looked at my payment options, there was an option to pay my XXXX statement balance plus the minimum for the flex loan. The description reads " This includes your monthly Flex Plan Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months. '' With that option, I paid {$1400.00} on XX/XX/XXXX, with the impression that would pay the minimum on the loan of {$72.00} and statement balance of {$1300.00}. 

I just reviewed my XXXX statement on XX/XX/XXXX and and my statement balance is now {$2000.00} even though I only charged {$740.00}. I called Citi and was told that my payments are applied to the highest interest balances first, which is my flex loan which has an APR of XXXX compared to my purchase APR which is a promo rate of XXXX. I was just planning to pay my statement in full with the minimum on the loan each month, but now my statement had snowballed into a larger amount that is not affordable.
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any  other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (DE)

Upon checking my credit report I noticed that a collection agency by the name of BYL Collections Service had reported a debt in the amount of {$6100.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 but not mailed until XX/XX/2018 labeled as " debt verification letter '' showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$6100.00}. On XX/XX/2018 I sent BYL collection services another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX and XXXX XXXX credit file. They were not able to validate the account with XXXX   and therefore was deleted.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. 

Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

Hello, I am contacting CFPB to report a problem I have with XXXX XXXX 
Some scammers from a supposed company called XXXX XXXX XXXX XXXX, opened an account in XXXX and used it as a bridge to divert the money that I transferred from my XXXX account to the XXXX account and from there, to other accounts of the scammers. 
XXXX is not responsible for anything! They say that they do not have to give any kind of explanation about the destination of the money transferred. The only lesson I get from this attitude and operation is that XXXX is the perfect platform to launder money and subsequently promote organized crime. 
When I found out about the scam I was subjected to, I made the request to withdraw the transferred money and identify the recipients ..., they have rejected such requests. 
It is not necessary to travel to any country where it is allowed to have money without control, comfortably from home with an account in XXXX you can make transfers to accounts in tax havens with the excuse of investing in XXXX. 
XXXX XXXX, XXXX is not only a Cryptomenda-type currency platform, but also performs the functions of a bank that acts as an intermediary between them. 
I am extremely disappointed and confused with the irresponsible behavior of this platform. Any WORLD bank must have a control of the income and transfers it makes to know the origin and destination of the money, XXXX seems to be outside the law. 
Facilitating money laundering for thieves seems incredible to me. 

The response I received from the XXXX department was as follows : We can not : Names of the recipients of any transfer, this is not how cryptocurrency works. 
Reverse transactions that have taken place, this is not how cryptocurrency works. 
Refund any trade and transactions that have taken place, this is not how cryptocurrency works. 

With a normal bank account, the situation would be different, however, cryptocurrency transactions do not contain the name of the recipient, they are not reversible or refundable. This is how cryptocurrency is built and it is not something that is under our control. 

My account number at XXXX XXXX, XXXX is number XXXX. 
The open case reference is # XXXX - # XXXX. 

I did a little research to get all my money back. 
I can send you all the receipts of the transfers made to XXXX from the XXXX Bank and verify everything that I report.
Consumer complaint received 2021-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

In XXXX of XXXX I received a letter from the bank that issued the mortgage loan in XXXX. The letter stated that funds of {$1400.00} have been held by the original servicing company of the loan Dovenmuehle Mortgage due to over escrow of the loan. The funds have been held by Dovenmuehle since XXXX, they never issued a check or any type of attempted to reimburse me of my funds. The loan was switched to a different servicers after the first year of the mortgage origination, so they have held my money since XXXX. I contacted Dovenmuehle many times after receiving this letter in XXXX of XXXX, in an attempt to recoup my money. I have spoken with many representatives and supervisors and they all acknowledged that they funds are owed to me but no issue of my funds are sent. I will be told that a check will arrive in a week or two by no check ever shows. Or that they are expediting the payment or they will contact me back but they never contact me. I always have to call them and explain the whole situation to a new representative or supervisor. I have spent many hours trying to get this issue resolved but have had no success since starting this in XX/XX/XXXX. I do not know why but they are refusing to give me my money that they have held since XXXX.
Consumer complaint received 2021-06-12
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. (FL)

These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (KS)

Enhanced Recovery Company reported an alleged debt to the credit bureaus on XX/XX/2021 without first sending a debt validation letter to me, which violated my rights under FDCPA Section 809 ( a ). This caused my credit score to drop drastically.
Consumer complaint received 2021-06-12
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: AES/PHEAA (NJ)

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Consumer complaint received 2019-06-12
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. (MI)

I purchased plane tickets through XXXX on XX/XX/2019. They were nonrefundable UNLESS I purchased cancellation plan marked Exhibit 'A ' for {$38.00}. Things changed I had to cancel my tickets a week later it was 6 weeks before the flight. XXXX refused to refund my money and said I owe the airlines {$250.00}. I NEVER purchased anything from UNITED airlines. I reported this as fraud to Chase credit card and was denied.
Consumer complaint received 2021-09-23
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. (NY)

Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

We do not have a mortgage on our home but keep getting calls for refinancing. The caller claims to be from Rocket Mortgage, but the Tel # they use, XXXX is the same Robo call I get claiming they are from XXXX XXXX. The caller ID is from XXXX XXXX, FL. I have requested the XXXX XXXX XXXX to put me on their Do Not Call list and have requested they mail me a copy of their Do Not Call Policy. They call me XXXX and my name is XXXX XXXX. I am a XXXX year old widow. These people prey on the elderly and call sometimes 3 -4 times a day. They need to be stopped please.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX XXXX DEPT was ordered by " The Borrower Defense Refund Cancellation DEPT '' to freeze any direct & /or parent plus loans I may have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX due the direct or parent plus loans being under investigation, ( for which XXXX XXXX has a lawyer for currently ), until the investigation- even by the FBI, XXXX XXXX, PA OFFC ) , has made their decisions. No decision has still yet been deremined which means that no loans from this college should be showing on or me or my daughter 's credit report. Not as paid or anything. Just as frozen. Can contact the dept. for verification so this can be removed. Also, XXXX XXXX, a new loan servicor I transferred to from XXXX XXXX XXXX XXXX, informed me that the XXXX XXXX DEPT ordered them to allow direct or/ & parent plus loans to be added to my consolidation which I never authorized! The mailed paper work : forms & consolidation application even states that since I gave authorization for my signature o be used electronically, they have right to keep using it! 

I have tried reporting repeatedly to the credit bureaus, but, have been unable to login in even after repeated login resets ... Starting to wonder if I am being deliberately kept from getting in to my credit report accounts. 

XXXX XXXX Thank you CFPB
Consumer complaint received 2019-10-06
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: Experian Information Solutions Inc. (GA)

I am writing this due to non-compliance with ( Experian, XXXX, XXXX XXXX ). 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 Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Consumer complaint received 2018-08-20
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. (NJ)

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''