davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, my wife requested a transfer of funds from our Citibank business account to my Citibank personal account in order to purchase a vehicle for {$37000.00}. While visiting the branch at XXXX XXXX XXXX, XXXX, CA XXXX, they told her that they wouldn't be able to send a wire for the vehicle purchase because she was not listed on the account, but we would be able to send it online. When she came home, I had her log into my account and send it online. That was the same day, XXXX, XXXX. The next morning, the person whose vehicle I'm purchasing said they hadn't received the wire transfer. I immediately started calling the bank that morning to see what might have happened to the transfer. I was told it was on hold and we needed to wait, the representative also said she would call us back and never did. We called back and the representative said that it was on hold and she would release the hold. After speaking with her, we received an email saying the hold had been removed. On the third day, we contacted the seller and he said that he had still not received the wire transfer. We called the bank again, they said it had been flagged for fraud and it would take another couple of days for them to place a tracer on it and see where it went. We called several times on Thursday and Friday and they have been unable to give us any information as to where our money is. This bank has been so incompetent, I don't understand how they are allowed to deal with peoples ' money. We have been calling today, XX/XX/2021 and the first time the rep said the money was still with them at Citibank, but being investigated for fraud. We called back to check the status and the rep hung up on us after a 93 minute hold. We are now on hold again, since XXXX and it is now XXXX. {$37000.00} is a lot of money to just sit back and let float around in limbo without anyone knowing anything that is going on. I feel like this bank has bad intentions with my money. They have not been forthcoming with any information regarding why they are holding my money and I need to know why and where my money is. This is completely unacceptable and unprofessional. They have been holding it for 7 days, now.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My Experian credit report STILL shows I have lived in Oklahoma. I HAVE NEVER IN MY LIFE LIVED IN OKLAHOMA!! The closest I have ever lived in Oklahoma is XXXX XXXX which is exactly 354.1 miles from there. I have not nor will ever live Oklahoma.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (MI)

UMB bank first approved my application ( XX/XX/2020 ) for the checking account with the promotion offer, but later on locked my account with no reason. I already transferred {$600.00} into my UMB checking account, and the lock makes it impossible to access my cash in the UMB account. The online rep is extremely rude and told me there is nothing they can do. 

My name : XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX XXXX : XXXX Checking account number : XXXX
Consumer complaint received 2022-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On XX/XX/22, I contacted Lakeview Mortgage company requesting to apply for a home equity loan. The agent that answered began to collect my information as part of the application process, and also sent me an email in which I had to consent for electronic delivery. Once we got to the portion of the application involving income, I explained to the agent that I was recently self employed, and provided my business information. The agent abruptly advised that in order to utilize my business income, I would need to provide two years of income tax returns. I explained that my business hadnt been established long enough to have two years of tax documents, however I did file my taxes with my corporate job for the last two years. The agent then advised that I would have a hard time getting qualified for a home equity loan, and ended the application process. I explained that my husband does work, and could be a co-applicant on the loan since he could provide the necessary tax documentation. I also advised that I was concerned, as my husband did have a bankruptcy on his credit, and wasnt sure how that would impact our approval odds. The agent then stated that he didnt think we would qualify with a bankruptcy on my husbands credit, and would not accept any of his information. The agent ended the application and stated he would reach out to underwriting for clarification, and call me back later in the day with a response. Needless to say, the agent never called me back. The following morning I called the agent back to follow up on the application, and to find out why he did not call back as promised. The agent proceeded to tell me that he was still waiting for a response from underwriting, which is why he didnt call me back with an update. I then advised him that, there are laws in place for companies that prohibits agents from discouraging applicants to apply, and for declining to accept an application. The agent told me that hes been doing his job for 20+ years, and was doing me a favor by not submitting the application in which he knew wouldnt be approved. He stated that there was no need for me to get a ding on my credit for no reason!! I promptly asked to speak with his supervisor, in which he provided me with her phone number. When she called me back, she simply stated that she would provide this information to her team, and apologized. At no point did she ask who I spoke with, my loan number information, or offer to complete the application. Makes me wonder how she would address the agent I was dealing with when she didnt bother to ask any information about him. Ive worked in the banking industry for many years, and know for a fact that the actions of the agent could fall under discrimination, and violate the equal credit opportunity act. To this day, Ive not heard back from the agent, and my application still has not been submitted.
Consumer complaint received 2021-04-23
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. (NY)

I called Experian during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have 12 or more inquiries with capital one bank. Ive reach out to capital one to resolve this matterbut I was told to contact XXXX, XXXX and XXXX to remove these inquiries that Im not aware of but all 3 credit bureaus told their not they can do XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 )
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I called on XX/XX/XXXX to get a refund on loan payments made since XX/XX/XXXX and was told it would take 45-60 days to see the balance updated and receive the refund. I was also told that they were unable to find any information on two of my five total federal loans after they were taken over from XXXX After the conversations, I received no additional information that the request had been submitted and have not heard anything since. I need the refund to be sent and the balance to be updated before the forgiveness form becomes available in XXXX XXXXXXXX.
Consumer complaint received 2018-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Midwest Recovery Systems (FL)

This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX   XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed Transunion, XXXX, and XXXX on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for Transunion dates XX/XX/year>, XX/XX/year>, and XX/XX/year> Experian dates XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX dates XX/XX/year> and XX/XX/year>. I also requested to change to On Time Paid as agreed. XXXX is the only credit bureau that responded with a correction of pay as agreed on XX/XX/year> conformation # XXXX. After waiting XXXX months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed Transunion XXXX, XXXX XXXX, and XXXX XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (NE)

In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was " paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or " paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-06-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Navient Solutions, LLC. (IL)

Navient was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted Navient in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to Navient for student loan payments. 

I previously spoke to Navient in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lotane & Associates, P.A. (FL)

XXXX/XXXX/XXXX Original Bill with XXXX XXXX hospital, worked out a payment plan with Billing dept at XXXX XXXX hospital, made payments on time every month, in XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX said that hospital turned over to collection agency, called XXXX at XXXX XXXX Hospital to find out why, they told me it was a mistake, but just to keep making my payments on time and there would not be a problem. I received a letter in XXXX of XXXX from Lotane & Associates, PA, I still have not missed a payment, around the date of receiving the letter my family members ( wife, daughter and sister ) were being contacted by this company stating that they had a warrant for my arrest and needed to find me, they had my phone number and address, as they left a message on my cell phone while I was at work. I called them when I got home, they were telling me they were taking me to court, going to garnish my wages and place a lien on my home and take possession if I did not pay the bill in full. I told them I had a payment arrangement worked out and that I had not missed a payment and that I did not have the money to pay the bill in full, I asked to stop calling me and my family that they had my address, they should contact me by mail in the future and that I would continue to send my monthly payment that is the best I can do. They have continued to accept my payments and cash my checks at XXXX every month and I had not heard from them again until this week, when once again I started getting phone calls threatening garnish my wages, have me arrested and place a lien on my home, my wife has received 3 phone calls at work from these people, they called my sister at XXXX last night and my daughter twice this week. I have not received any further communication from them in the mail at all. I spoke to them today and they threatened to continue calling my employer, and family membersuntil this bill is paid in full. I can not pay this in full at this time, but I have not missed a payment and the harassment from this company could cost me my job as well as the embarrassment they are causing by calling all of my family members, I have no idea how they would have gotten any of the phone numbers other than mine and my wifes.
Consumer complaint received 2018-06-23
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. (FL)

Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.
Consumer complaint received 2018-06-23
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)

Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.
Consumer complaint received 2018-06-23
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: National Credit Systems,Inc. (NC)

National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation? 
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Legally paid in full for less than the full balance ... this is a false and inaccurate statement that Experian declines to remove from it's records, and I recently received a letter stating that they will not reinvestigate this claim again ... yet they have failed to forward me any document or original contract with my signature or a name of the verifier ... this is against F.C.R.A. law and violates my rights ... this was not a charge-off or collection ... I paid this account as was agreed upon ... 

XXXX XXXX XXXX  XXXX