davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-03
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. (CA)

XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX Automotive XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance , personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I received a letter in the mail today, XX/XX/2020 from Convergent Outsourcing , Inc. stating that " the records of XXXX XXXX  show that your account has a past due balance of {$5500.00}. 

Creditor : XXXX XXXX  Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} Convergent Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, NC XXXX I have never heard of XXXX XXXX. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (NY)

I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX. 
This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment. 
I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to. 
I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc. (AZ)

I attempted to purchase a vehicle through Tesla which required a {$6300.00} down payment. The deopist was deducted from my account on the day I was scheduled to pick up the vehicle which was XX/XX/XXXX. There were things wrong with the vehicle so I was unable to accept delivery when I arrived. After several hours, I was informed that the door handle and another minor maintenance issue was resolved so I took possession of that vehicle. I was unable to reach a satisfactory deal with the financing department so I agreed to return the vehicle in exchange for the return of my deposit minus {$0.00} per mile. I returned the vehicle, took pictures and confirmed with XXXX XXXX, who I had been working with from the financing team on XX/XX/XXXX that the vehicle was retuned to the XXXX location as per his instructions. I confirmed multiple times that I would receive a refund of my down payment minus milage. I returned the car and signed a POA back on XX/XX/XXXX, confirmed with Tesla ( see email ) and it was confirmed that I would receive a refund ( see email ). I continued to follow up with XXXX XXXX from tesla regarding processing of the refund. As I continued to inquire status, XXXX stopped responding to my emails, will not answer or return my calls. I have tried every XXXX number I can find for Tesla as well as every email address I could locate and am constantly being told the refund has not processed and because of that, they would escalate to management and I can expect a follow up, but that has not yet happened. It is almost 3 months since the vehicle has been returned and over 3 months since I made the down payment. I am in deseperate need of my money and don't believe this kind of service is safe for the public.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.
Consumer complaint received 2016-09-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IL)

Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. The Company want me to give them my Full Social Security number for me to get information. I do not know these people or what want. Plus I do not give out this information to unknown people over the phone. 

I also do not have any outstanding debt. I'm requesting to know why these people are calling me. If I do not get that information why i'm being called and Harassed. I will be filing a attorney general complaint as well. 

I feel i'm being harassed.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (GA)

When Goldman Sachs Bank USA purchased XXXX XXXXXXXX XXXX  sponsored XXXX XXXX from the last owner ( XXXX  XXXX? ) and started conducting business as " Marcus '' sent a flyer promising {$25.00} bonus " earnings just by stetting up your account and confirming your profile. '' See Ex " 1. '' we immediately did that on their new Website " Marcus. Com. '' Every time we called Customer Service, they promised that the bonus earnings credit will be paid within 90 days. That 90 days has been over nearly 2 years ago. We have not received the advertised bonus earning of {$25.00}. 

We want response in writing -NO TELEPHONE CALLS.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted Transunion twice in XX/XX/XXXX. I spoke with XXXX at XXXX. She refused to investigate the disputes stating disputes can not be disputed. I stated that according to the FCRA, Section 611, I can request the dispute of inaccurate and unauthorized information of my credit report. She again stated she would not investigate my personal disputes. I contacted Transunion again to dispute the information and spoke with XXXX at XXXX. XXXX requested all inquires that I was disputing but still refused to investigate the disputes stating that the disputes could not be removed or investigated without proper documentation. As a consumer, I am allowed a proper investigation of the information that is contained in my credit report. Transunion also wrongfully reinserted inquiries in my credit report when they had a server was down and did not send any documentation of inquires being inserted. Transunion is in violation of FCRA Guidelines.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is what I sent to Bank of America on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an " improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit information.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

I have a FHA mortgage with Midland Mortgage. I applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads several months of delinwuency. As the guidance shows, the mortgage company should not report a delinquency for those months. Therefore all months from XX/XX/2022 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. 

The CFPB was extremely helpful in getting this corrected.
Consumer complaint received 2023-08-08
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: LEXISNEXIS (TX)

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

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/XXXX, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service. 

All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds.

I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers. 

As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.
Consumer complaint received 2020-04-24
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)

I have incorrect information on my Eqifax  credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Equifax has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have been trying for 3 years to get a loan modification from Bank of America. For some reason, they kept denying me. I recently gave up, and I am trying to do the Deed in Lieu, or the XXXX program that they have listed on their website. I am a XXXX, and also just had a new baby. I ca n't sit around and waste time not knowing if my family will be kicked out on the street or not, so I opted to do the cash for keys and at least we know we would n't be left in the cold and would have some relocation assistance. My counselor and I applied with them on XXXX/XXXX/2016. Bank of America HAS NOT touched it, and has let my application sit. I now have a sale date for XX/XX/XXXX. 

My counselor called in to Bank of America and spoke to XXXX XXXX ( today ), who stated that I could not get this program until I " have received an offer for a short sale but was denied. '' That makes no sense and sounded like another made-up excuse to get us off the phone. 

Nobody at bank of America has ever tried in the slightest to help me. All I am asking is for relocation assistance ( program is advertised on their website ), if they will not help me with a modification. 

Nobody is responding to me and instead gave me a sale date. I NEED HELP.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

We have had a total {$54000.00}, taken from out business Chase Account to date. On XX/XX/2023 XXXX we had {$24000.00} withdrawn from the Chase Bank account. This amount was taken through XXXX transactions of various amounts from our Chase account from ~ XXXX XXXX  to ~ XXXX XXXX. These XXXX transactions were all classified as refunds from various credit cards. This Chase account is linked to an entity of Chase Bank referred to as Chase payment tech. Chase Payment tech processes credit card payments on our behalf from our customers and deposits those funds into our Chase Bank Account. We have 3 accounts or user names that run credit cards through our office, one of those accounts was closed out by Chase payment tech but they never notified us and we never detected this issues until XX/XX/2023 when the accountant was reconciled. We immediately notified Chase Bank, who told us the Fraud department said to file a police report but they couldn't do anything about it. We did file a police report but then on Sunday there was a second incident, they pulled {$29000.00} from the same account on XX/XX/2023. We called Chase immediately but have yet to receive any of the funds that were stolen.
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Schreiber Law LLC (CT)

Schriber Law Llc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Did not send me what I requested and did not send me a list of the charges or information that I own this account. They need to verify the account and did not in anyways.
Consumer complaint received 2016-07-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HAWAIIAN, INC. (HI)

I paid by bank wire transfer on XXXX/XXXX/XXXX to purchase a XXXX XXXX XXXX XXXX Custom guitar and received via United States Postal Service, a XXXX scale XXXX Melody Maker guitar instead. XXXX XXXX ( XXXX are sellers aka XXXX XXXX ) admitted the guitar sent was wrong & said he would correct the mistake but never did. I expected to received the guitar I contracted for ( XXXX XXXX XXXX XXXX Custom with original hard case ). I received a different and inferior guitar in quality and monetary value.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (CO)

I made a deposit with XXXX XXXX on XX/XX/XXXX for {$100.00}. The money was never deposited into my XXXX XXXX account. When I discovered this I contacted XXXX XXXX and was told that the intermediary TeleCheck had my money and I would need to contact them for a refund. 

I contacted Telecheck in early XX/XX/XXXX via phone at XXXX and described the issue. They assured me they would refund my money within 30 days. I was given case ID XXXX XXXX 

I still haven't received my refund and called again today and was told this was escalated to a " higher department '' but it would AGAIN be 30 days before I can expect a refund. My new case ID XXXX is XXXX and I spoke to a supervisor with ID XXXX XXXX 

This is unacceptable. How many other folks are they illegally holding money for -- that forget about it or just give up. These folks are not pleasant to deal with and I have been patient to get my refund and I am sick of wasting my time following up with TeleCheck.