davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (WA)

Made an emergency online transfer transaction on XXXX Thursday, XX/XX/2024. Western Union released the funds on XXXX XX/XX/2024. Western Union held the funds to generate maximum interest off the fund before releasing it. 

Money transfer institution, eg., Western Union should not be allowed to " milk the cow '' to the core. Western union held my funds for 6 days to generate interest before releasing the fund to the other financial unit for their own version of milking the cow. 

CFPB should look into this. They claim there are three financial institutions involved in the process, but clearly they were holding the funds to maximum time as possible. They should be only allowed to hold onto the funds for 3 days including weekends and holiday if any. They make it their excuse for them to hold on the funds to the max. 

Thank you
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

After Capital One held a deposit of a cashier 's check for over two weeks, I decided I no longer wanted to do business with this bank. On XX/XX/2018, I called and waited on the phone for over 30 minutes to speak with someone to close the account. After another 15 minutes of waiting and going back and forth with three different representatives, I finally spoke with someone and closed the account. I was assured that the account was closed and the money would be transferred to my external account at XXXX  XXXX XXXX XXXX. 

Fast forward to today, almost a full week later and the account was still open and the money wasn't transferred to XXXX XXXX XXXX XXXX. I called Capital One again and waited another twenty minutes while being passed back around again. A supervisor came on finally and told me the account hadn't been closed! I was stunned and quite angry. Not only had they NOT followed through on the request to close the account a week earlier, they had not bothered to try to contact me to let me know there was a problem! This whole thing would have just dragged on without me knowing anything about it had I not called them again. 

The supervisor said I could close the account and they'd mail me a check for the balance. I reminded them that I had linked the XXXX  XXXX XXXX XXXX account and wanted the balance transferred there. He said they couldn't do it as the linked account was removed by them. What?? Why on earth would they REMOVE an account I had linked? Both accounts were under my name and I had previously done several transfers. Now Capital One was deleting this account and holding my money hostage! How can this happen?? Is this what America 's become?? A place where banks can do such things without any oversight or fear of repercussion? 

The final insult was the supervisor telling me I could go into the account I had believed was closed and re-submit the details of the XXXX XXXX XXXX XXXX again and then, at Capital One 's leisure, they'd do two small deposits to be confirmed so they could validate the account. Only then would I be allowed to transfer the money out of the account. Or, I could close the account AGAIN today and they'd send me a check, at their leisure, for the balance. This would likely take another TWO WEEKS! I've been at this with Capital One already for two weeks plus and now they pull this move. 

Who will stand up for consumers against the power of big banks like Capital One? The CFPB used to stand for the American people when banks tried such stunts. I'm not sure they do any longer but I'm writing this in hopes that I'm wrong.
Consumer complaint received 2017-08-27
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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (GA)

I have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is a discrepancy between the payment I made to XXXX XXXX XXXX and the incorrect information that was reported to the credit bureaus. 

On XX/XX/2022, I contacted Bank of America 's collection service provider, XXXX XXXX XXXX, and made a payment in full for the total amount of {$8500.00}. On XX/XX/2022, XXXX XXXX XXXX withdrew the total amount of {$8500.00} from my checking account. The debt to Bank of America was considered paid in full. 

Unfortunately, to date, my payment to Bank of America via XXXX XXXX XXXX is still not reflected on my Bank of America account, nor have been updated on my credit report. My credit report incorrectly indicates that my Bank of America debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my payment in full, via phone to XXXX XXXX XXXX at XXXX XXXX XXXX on XX/XX/2022. According to my records, I followed up with XXXX XXXX XXXX representatives XXXX XXXX via phone. Due to the delay in updating the systems with my payment status, I am concerned my payments were misappropriated. 

Please view the attached associated emails.
Consumer complaint received 2022-04-12
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

Key Bank Mortgage Loan Servicing XXXX XXXX XXXX, XXXX Ohio Summary : The mortgage payment is due on the first of the month but must be received by the XX/XX/XXXX of the month. I have submitted every mortgage payment in a timely manner. I submit all payments by electronic check. Keybank receives the checks 4-6 days after the check is sent. By the XX/XX/XXXX or the XX/XX/XXXX of the month as documented by the bank I send the electronic checks from. Keybank is taking 10-14 days to process the check once received by them. They are then charging a late fee. I have called them. They said that is not possible to take that long to process a check. I sent the proof to them. They did not respond. This is now the second time this has happened. The check was received XX/XX/XXXX. Key Bank then issues a late fee. When I spoke with them, they said, " why don't you just do " Auto-Pay ''
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (GA)

Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (OH)

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

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 an account without my written instructions.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!
Consumer complaint received 2022-04-12
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. (FL)

I have fraudulent accounts on my report I have asked for proof of how XXXX credit bureaus verified my information and I asked for proof of a contract from the original creditors with my wet signature.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (SC)

Experian continues to report fraudulent accounts contained in my FTC identity theft report in which I have disputed as fraud several times. I sent my DL and formal request to block/delete this damaging information that was opened in my name by someone who stole my identity. Section 605b of the FCRA states that bureaus are to block the fraudulent items with an official report and proof of identity. Reporting this fraud is Defamation and slander. I'm not only suffering damages due to their willful non compliance and Fraud Enablement but I can not enjoy the benefits that come from having the good credit I should have. I submit this complaint as my consumer rights have and is being violated by Experian ad a victim of identity theft
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

I have fraudulent accounts on my report I have asked for proof of how XXXX credit bureaus verified my information and I asked for proof of a contract from the original creditors with my wet signature.
Consumer complaint received 2019-10-10
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 — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I have reached out to One Main several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.
Consumer complaint received 2024-01-17
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: Mr. Cooper Group Inc. (ID)

Right Path Servicing XXXX XXXX XXXX Right Path Servicing was managing my mortgage. The loan was transferred. They sent a letter notifying me of the loan transfer. But, everything is done online now. And I seem to have my loan transferred every 12-18months. I am still able to login to my mortgage profile with RPS and there is a notice at the top of the page that shows my loan has transferred but no info on my new servicer.
Consumer complaint received 2017-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX. 

On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days. 

I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of  the most challenging experiences of my life. Do n't bank with Fifth Third.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. They are deceitful and abusive and are flagrantly violating the Fair Debt Collections Practices Act.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC (OH)

Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, Equifax and XXXX actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the  information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. Equifax has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from Equifax regarding inaccurate information reporting on my file. Once again Equifax has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (KY)

Diversified Consultants added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. When you speak with their customer service agents they are hostile and deceitful. They are flagrantly violating the Fair Debt Collections Practices Act.