davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (FL)

On XX/XX/XXXX I initiated two transactions XXXX and XXXX for a small funds transfer to my family members to help with the Covid unemployment situation. The funds have not yet been delivered. 

Xoom has debited my bank account but their Customer Service XXXX does not answer all week. Their parent company XXXX told me they can't help me. 

Xoom has sent me two emails stating that there is a problem with their 'partner '. However I have not heard from them for two days. 

My niece went in to her bank ( XXXX ) in XXXX XXXX and they verified there is no problem with her account.I suspect that fraud has been perpetrated somewhere along the line. 

Can you help with this matter. At the least i would like to cancel the transactions and receive a refund but can't seem to get through to XOOM.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

A man called me impersonating a Wells Fargo representative from the XXXX department and stated that in order for me to stop further fraud charges that Id just previously reported he needed to help me stop a XXXX charge and he sent a code to my phone and asked me to verify the code then unfortunately from there he was able to XXXX XXXX out of my account and transfer it to fake account under my name to a bank in XXXX. The person was calling from a number that was appearing to be from a real wells fargo branch so I believed him
Consumer complaint received 2021-04-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank called my employer over 10 days to verify my employment despite being notified I was employed each time. This caused embarrassment to me, and felt like harassment. I would like the CFPB to investigate if Citibank does this to each applicant or if I was singled out.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BK OF XXXX XXXX
Consumer complaint received 2022-09-22
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. (MT)

Transunion needs to remove XXXX XXXX as a collection. This was paid in full. please see doc. attached. Account XXXX XXXX XXXX  transuinon. I have already disputed this.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (CO)

On XX/XX/XXXX, I closed on my refinance. The funding arrived later and in different amounts than outlined in our closing documents. I contacted the lender every business day for 5 days requesting documentation that outlined the corrections. My requests have been received by multiple recipients XXXX loan officer, member specialist, operations XXXX, and another employee ) and the documentation has not yet been provided to me. This documentation reflects the final settlement. In addition to tax purposes, I should have received this documentation in timely manner during the period between closing on XX/XX/XXXX, and funding, contractually XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. 

While getting the settlement documentation is my complaint, it is worth mentioning that this is not the first issue I have had with the lender. The loan was delayed numerous times due to mistakes, omissions, and poor communication since we began the process in XXXX of XXXX. This includes not ordering payoffs in time, overlooking uploaded documents, repeatedly using the wrong numbers on disclosures even after I had pointed out the issues, and making that same mistake during our first closing that required a 're-do '. 

We originally closed on XX/XX/XXXX. We noted errors in the closing documents - changes had been made since we signed the final disclosures the previous week. After spending an over an hour trying to contact someone at the lender by phone, we finally reached someone who acknowledged the mistake, advised us to sign but not fund, and we'd receive a correction on XX/XX/XXXX. We did not receive a correction and when I contacted the lender to request it, we were told there were additional mistakes in the closing documents ( dates were wrong ) and we'd need to close again.
Consumer complaint received 2022-08-13
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. (IL)

my complaint is in regard to my account with the XXXX XXXX through XXXX Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCB Investments LLC (IL)

XXXX XXXX XXXX has put {$1700.00} collection on my XXXX report I have sent 3 letters asking to verify debt letting them know Im unaware. They have not responded once asked XXXX to verify or remove on several occasion. They state that debt was verfied I ask how they did not provide answer. Last attemt I sent out was XX/XX/XXXX, to both parties XXXX XXXX came back an stated that debt was verfied on XX/XX/XXXX, How is that when I asked you the next month? Please help me to get this bogus debt removed from my XXXX file there the only agency reporting this.
Consumer complaint received 2018-10-10
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (PA)

I have an student loan through wells fargo. Last XXXX/XXXX ( XXXX ), I began the process to consolidate my students loans into one loan. During this time, Wells Fargo frequently sent the wrong forms, or the forms were incomplete ( missing pages ). This resulted in the process taking much longer than needed. I spoke with multiple representatives from the company during this time to get he process completed. In XX/XX/2018, I spoke with a representative about missing paperwork. In early XXXX, I spoke with yet another representative that stated if I had everything in by XX/XX/XXXX, then my account would be fine, and everything would be listed at current and up to date. They completed the consolidation on XX/XX/XXXX. I recevied a notice that 4 of my accounts were being listed as 60 days past due. This had a massive negative impact on my credit score, as well as my husband, as he is a cosigner. It showed that 4 accounts were seriously delinquent. I was assured by more than one agent, during this process, that this would not be the case, due to their issues with their paper work. I called in late XX/XX/2018 and spoke with a representative about this issue showing on my credit as delinquent by 30 and 60 days. The representative once again assured me that these would be fixed and reported to the credit agencies. I then received a letter in XX/XX/2018 stating that they would not be fixing this issue. I then spent months trying to figure out why this was an issue, and why it was still on my account. I spoke with someone from their dispute dept in XX/XX/2018, and requested and investigation be opened, as this information was not correct, and their company reassured me, repeatedly, that this would be removed from both mine and my husbands credit reports. I received another letter 2 weeks later stating that the investigation was complete and no changes were being made. I then called to request the recordings of my phone calls in XXXX and XX/XX/2018. I was never given those, and the company has been less than forthcoming with their information regarding this matter. I have sought legal action at this time, and contact an attorney last week, XX/XX/2018. I have also filed complaints and disputes with all 3 agencies at this time. I have read through a number of similar issues regarding Wells Fargo, and I am more than convinced that they reported this inaccurately, and on purpose, to increase my interest rates. I feel that they do this so that you can't go to another company, since they know they ruined your credit score.
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (NC)

I am attaching a copy of the letter my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (GA)

In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Up today, XX/XX/XXXX, I have disputed a transaction with my customer XXXX XXXX, the dispute was resolved but the Wells Fargo bank is still withholding the fund about {$15000.00}, from my customer XXXX XXXX to three of my account. My customer XXXX XXXX had already paid the invoice at the beginning of XXXX.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Securus J Holdings, LLC (GA)

i opened a prepaid debit card account with XXXX after my release from XXXX  In GA, as XXXX  is associated with J-Pay the administrator of XXXX  trust accounts for the GA dept. of corrections. Initially the debit card was associated XXXX account no. XXXX. At some point the associated account became XXXX account no. XXXX without any notice. There must have been a reason for the account change, my guess is some irregularities took place that the bank did not want me to discover.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (KS)

On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.

Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now. 

I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for. 

Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this. 

I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX  '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.

I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency. 

I am pursuing a lawsuit against EOS-CCA currently. 

It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages. 

Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Citibank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (PA)

PayPal is repeating its nasty practice of opening a debit card for my account without asking for my consent. This is described in details in this blog : https : XXXX It happened to me for the second time today. Here 's the start of the email I just received. The email message does contain a hyperlink to " If you decide not to use it, you can close the card. '' but visiting that hyperlink lands you on a general settings page with no option to " close the card ''. I had to search the web to find out that I needed to go to a hyperlink of " http : //www.paypal.com/nothanks ''. 

It is unacceptable for a company to persist in such a despicable practice for over a year! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : XXXX XXXX to : xxx xxx XXXX date : XXXX XXXX XXXX XXXX XXXX subject : We're mailing you a debit card to provide instant access to your PayPal balance. 
mailed-by : paypal.com signed-by : paypal.com Now you'll have instant access to your balance To provide you instant access to the money in your PayPal business account, weve updated your account to include the no-annual-fee PayPal Business Debit Mastercard. Well ship your debit card shortly.

The PayPal Business Debit MasterCard is
a new benefit to your existing PayPal Business account. It is not a credit card and no credit report was pulled. The decision to send you this card was based on your history as a PayPal customer. 

The debit card makes it easy for you to : Earn unlimited 1 % cash back on eligible purchases, paid monthly.1 Spend your PayPal balance everywhere Mastercard is accepted.

Withdraw cash from your PayPal balance from ATMs or at participating retailers around the world.2 The instant payments hit your PayPal account, youll have access. 

Well send you an email when your card ships. The card will arrive about 7-10 days later in a PayPal envelope marked " Time-Sensitive Information Enclosed. '' Be sure to activate the card right away. If you decide not to use it, you can close the card. Once youve closed it, please destroy and securely dispose of it. 

We appreciate your business and hope youll enjoy this added benefit. 
Find out more about the PayPal Business Debit Mastercard.
Consumer complaint received 2022-09-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 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. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2021-11-29
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. (FL)

XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NY)

Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under XXXX XXXX in XX/XX/XXXX. XXXX XXXX online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet foster and garbus says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to foster and garbus shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help