davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MA)

Hello, I am Rushcard customer. I still have not received my payroll direct deposit, which was due on XXXX/XXXX/2015. They also zeroed out my account of the funds that were there prior to the " upgrade ''. When I called, I was in the call que for as long as XXXX hours before being disconnected. Once I did get through, I was given the generic answer and apology. They sent emails and texts letting us know that this upgrade was coming, but when everything went awry there was no communication at all. Then when they finally did send an email, it was about waiving all the fees during the holidays but the problem still is not resolved! Not only could people not receive funds but they could n't take any out or make purchases. I had to ask my employer to do a reverse direct deposit to get my paycheck back and that is going to take 3-5 business days! I have a family to feed, bills to pay and am in the process of moving. This is unacceptable! 

Now I completely understand the situation but it should and could have been handled better than this. I was pleasant each time I called. ( XXXX times called, got through once ) I will no longer be doing business with Rushcard. 

Thank you for listening.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

Gemini is a crypto currency exchange that is located in XXXX XXXX 

I had purchased XXXX through their exchange yet they are not allowing me transfer my XXXX to my external wallet. 

The message received was that there is a security hold on the account which is confusing as I've sent XXXX to the same validated address from Gemini in the past. 

They have asked me to again validate my identity by providing a real time picture and my identification to which I have complied. 

It's now over a week and they have yet to resolve the matter. They are wrongfully holding my currency without allowing me access to it. 

The ticket I have opened with Gemini is : Ticket ID : XXXX If you could please assist in resolving this matter so that I may once again be able to transfer out my XXXX to my external wallet, that would be much appreciated.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. 
Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MI)

I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Upon my enrollment in XXXX on XXXX XXXXn XX/XX/2021 the website was showing " XXXX Active '' with a green checkmark. In XXXX my vehicle was repossessed due to XXXX not charging my account as intended. Upon my inquiry with XXXX, I was told that the XXXX won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to XXXX on my account. 

I have paid late fees multiple times due to XXXX not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in XXXX again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX 's XXXX being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Two separate dispute letters for reinvestigation was sent on the same day for the following items : Collection : XXXX XXXX XXXX and Employer Information : XXXX XXXX. 

The letter requesting the validity of alleged debt for collection item XXXX XXXX XXXX XXXX XXXX and request to remove the previous employer XXXX XXXX was XX/XX/XXXX XXXX On XX/XX/XXXX, I received a letter from Transunion stating it does not appear that I am the authorized party requesting a dispute and my request for investigation will be processed. I sent another letter on XX/XX/XXXX with proof of identity requesting to investigate inaccurately of the employer and validate the accuracy of the collection with XXXX XXXX XXXX. The request was received XX/XX/XXXX with Transunion. Now it is XX/XX/XXXX, and I have not received any contact from the company regarding my dispute. Transunion has a duty to be fair and equitable to me as the consumer. Also provide fairness and accurate credit reporting as an elaborate mechanism. 
Transunion has failed to follow federal law and I have lost confidence that Transunion is assuming a vital role in assembling and evaluating me the consumer 's credit and other information in my consumer credit file. 

As a federally protected consumer, I have the right to privacy, and the information that being disclose from Transunion is in my opinion reporting inaccurate data. 
The following laws according to FCRA ( Fair Credit Reporting Act ) has been violated : 611- Procedure in Case of Disputed Accuracy " 15 USC 1681i ( c ) 605- Responsibilities of furnishers of information to consumer " 15 USC 1681-2 ( b ) ( 1 ) Federal law requires that written request to investigation what the consumer believes to inaccurate should be promptly conducted within 30 days. Once the investigation has been completed and the consumer challenges the decision. The company has 15 days to complete. 

The allotted timeframe has passed and Transunion has failed to follow the law. 
This information listed above is a serious violation of the FCRA ( Fair Credit Reporting Act ). 

Documents enclosed The original letter of reinvestigation for both items Proof of receipt for XX/XX/XXXX & XX/XX/XXXX Proof I no longer work for the inaccurate employer listed on my consumer credit file Letter received from Transunion denying the request to investigate and assuming I am not whom I say I am. 
Copy of Letter -Second request to investigate
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (AL)

I am sending this complaint because I need to express that I am a victim of UNFAIR BUSSINESS PRACTICES that BBVA is committing against my consumer rights. They are reporting a late payment on XX/XX/XXXX. This is happening only in one credit bureau. This means that they are reporting inconsistencies across bureaus. 

I want to explain the reason of this late payment. My income was affected due to Covid-19. They said theyd remove and then they gave me run around. This situation has been very difficult for me and my family. My credit score and mental health has been highly affected because of this issue. 

I am requesting this late payment or the entire account to be removed from my report as a compensation for all the damages to my credit score and the emotional stress that I have been through. 

The account information is the following : account number : XXXX, opened on XX/XX/XXXX, credit limit : {$700.00}. 

Thank you.
Consumer complaint received 2015-04-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (CA)

I received XXXX calls from a person naming herself XXXX XXXX : She stated in the message that legal claim was filed against me and that I should call XXXX for more information. She gave the docket # XXXX. She called my Cell XXXX times and my job XXXX. Saying she had to verify information to serve me or call the company, XXXX XXXX XXXX and also Lakefront Processing Solitions. She left XXXX company names in the voice mail. In calling the company I spoke to a XXXX who stated I owed a Pay Day loan from 2012, I stated that was not possible as I did not request a pay day loan was for XXXX 2012. He then said the company was called XXXX that gave the loan. I advised that the loan was not mine, my credit report did not see this loan at all and he said well good luck. To which I replied I am putting a fraud alert on my credit. I have noticed that looking up this phone number and company name, that they have been calling lots of people in order to collect debts from the same month and year. They appear to be phantom debt collectorsThey appear to have a parent company as this name is a Ghost Business in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, New York, XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax has fraudulent accounts listed on my credit profile and they refuse to remove it. The companies are XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I have disputed these fraudulent accounts for several months and Equifax continues to verify them. Equifiax is refusing to provide me with documentation or their method of verification. They have addresses on file that I 've never been associated with. 

I 've reported the identity theft to the police and they provided me with an identity theft report. These fraudulent accounts were to be removed within 4 business days and they were not. Equifax is violating the law and holding me accountable for accounts that I did not apply for.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2022-02-12
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. (TX)

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, XXXX XXXX and Equifax - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Collection opened XX/XX/XXXX Account type Open account
Consumer complaint received 2015-08-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (UT)

XXXX is the only one that 's right the other XXXX have incorrect information on them. I am tired of trying to get the old information off my credit report. Most of the stuff that appears if before 2010 and has resold to other collection companies.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process
Consumer complaint received 2024-02-23
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In late XX/XX/2023 there was a fraudulent charge on my Bank of America credit card. I disputed this charge with Bank of America and the charge was removed. A few days later the dispute was reversed and put back on my account as a charge. I did not receive any notification regarding this. I called and disputed the reversal on XX/XX/XXXX. The charge is still showing on my account. It is due for payment on the XXXX of XXXX which is Sunday. There is a claim for this on the Bank of America website stating that it is being researched. 

This is not the first fraudulent charge on this account. There was another in early XXXX that was rectified and a new account # and card sent to me. This card was immediately locked up in my safe. Then this latest charge happened and I was again issued a new account # and card. I put it in my safe. 

To add further complication to this. I discovered an email on my account contacts that was not mine. I reported this and the BOA employee found another user name attached to my account that was not mine. She deleted that profile and the email. 

I just want this dispute to be removed from my account immediately to avoid this charge being reported as past due to the credit bureaus.

I am extremely frustrated with Bank of America over this situation. It should not take them 6 weeks to correct my account especially given the erroneous user information.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please verify and validate debt : 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 I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, Equifax, XXXX, XXXXXXXX XXXX Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.