davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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: AmeriCollect (MI)

I have filed many disputes over the course of two years with Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on multiple accounts ALL of which should not even be reported due to XXXX rights/laws. I have concluded in research that, In connection with its collection activities, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to XXXX. Based on these violations of the FCRA and Regulation V, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and XXXX rights.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-11-16
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

My vehicle was refinanced and the original loan paid in full. My original loan was with Hyundai Finance. I called and cancelled my XXXX  and my GAP coverage. I was stated that I would receive a check for {$2400.00} for the XXXX cancellation and {$720.00} for the GAP cancellation. I have received the check for the XXXX refund. I am having lots of problems with getting an answer to why my other refund has not been issued to me. Finance manager at Hyundai of XXXX, TX will not return my calls and I have left over 10 messages. I went once in person to have him assure me that he would see what the issue was and let me know. He himself stated that the refunds take about 30 days. Well its been over 60 and still no check has arrived. The cancellations dept for Hyundai Protection at the phone number XXXX has even sent an escalation letter to the finance department in XXXX and still nothing.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (AZ)

On XX/XX/XXXX, someone walked into a XXXX XXXX, Iowa, Bank Of the West Branch and withdrew {$7000.00} using a counter check. The bank teller never checked the signature against my actual signature on file and handed the fraudster {$7000.00}. The signatures are not even close to matching, and several BOTW employees told me that checking the signature card on file was the standard operating procedure. The fraudster tried going to another BOTW and was turned down because he did not pass any of the security checks.

BOTW has completely shut my online access off for an entire week ; it just gave me a new account number that I can not use because I can not access any of my funds. BOTW had a bank teller hand out my money to a fraudster, and now BOTW is holding my money hostage and has not put the {$7000.00} back even though the XXXX XXXX police apprehended the fraudster. 

Now BOTW had me drive XXXX miles to a branch in Arizona where I live for nothing because I was told they could handle it online. Then the next day, I had to drive back to the branch XXXX miles away because they forgot about the fraud affidavit. So now they keep having me fill out the wrong forms, and a week later, I still don't have access to my money in my account, and I have a business to run. Nobody knows how to do anything correctly, and it is causing me more issues and time that I do not have access to my account. I have three people supposedly helping me, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and nobody can produce a new account with access to my money.
Consumer complaint received 2019-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (LA)

Today I was called 7 times starting at XXXX the most recent call being at XXXX from 3 different numbers claiming to be Navient. The phone numbers being used are XXXX & XXXX. 7 times a day from different numbers seems excessive. Especially since Navient gets auto payments from me twice weekly. There are no messages left.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have called Equifax and mailed them several times to receive my consumer report and they still haven't sent it. Equifax has conducted several investigations concerning my consumer report and I haven't received any updated consumer report thereafter. I am aware after each investigation they are to send me a copy of my updated consumer report. Equifax is in noncompliance with their code of federal regulations I can not retrieve my consumer report from this company yet they are reporting my personal identifying information. It is my right to know what they are reporting on my consumer report.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, my husband 's wallet was stolen in the subway system in XXXX, XXXX. He lost his JP Morgan Chase debit card along with driver 's license, credit cards, etc. We notified Chase about the theft as soon as possible the same day. ( We were in a XXXX XXXX  with limited cell phone functionality, so we weren't able to report the theft as quickly as in the XXXX ) The thief or his accomplice used the debit card to make XXXX purchases totaling {$1000.00}. All transactions took place on Friday XX/XX/XXXX and were processed on Tuesday, XX/XX/XXXX. 
At first, Chase reversed the charges, then changed course, said we were responsible for them after all, and removed the funds from our checking account. We had XXXX fruitless phone calls to the service line to try to understand the bank 's reasoning. The only information we were able to get was a schedule of the charges ( with dates, no time stamp ) and a statement that they were deemed valid because we approved or authorized them. We know the theft took place between XXXX XXXX  and XXXX XXXX  because we were on the subway during that time, on our way to a lunch date at XXXX. Chase must have a time stamp for the disputed charges that would show they took place after XXXX or so.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo credit card online account provided offer under my account that 10 % additional cash back ( on top of regular 1 % cash back ) on grocery purchase. This offer was provided under my Wells fargo account under 'WELLS FARGO REWARDS ' section. 
I added offer on XX/XX/XXXX to my account and made purchase of {$500.00} at XXXX XXXX XXXX on XX/XX/XXXX. 
Please see attached screenshot for the 1 ) Activated WELLS FARGO REWARDS offer 2 ) XXXX XXXX XXXX transaction using wells fargo credit card. 
3 ) XXXX screenshot confirming that XXXX is a grocery store I did not get the 10 % cash back despite following all steps. I spent several hours explaining Wells fargo customer service who are not unable to help and surprisingly most of the customer service has no knowledge on wells fargo rewards program. 
I called Wells Fargo customer service at XXXX on 3 times already ( twice on XX/XX/XXXX and XX/XX/XXXX ). 
I was asked to wait until statement generated and it has been generated over 2 weeks and still customer service is unable to help and resolve my queries. Most of the customer service do not understand WELLS FARGO REWARDS program so they kept transferring me to different group and once they connect me to right person, they hung up the phone in the middle of conversation or while they are researching the issue. 

My credit card statement has been already generated I am entitled to receive {$55.00} cash reward for {$500.00} purchase on XX/XX/XXXX. ( A ) regular 1 % i.e. {$5.00} ( B ) 10 % additional ie. {$50.00}. So far I received only {$5.00}.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HOME BANCSHARES, INC. (TX)

HI Starting this as new complaint but I believe it ties in with my initial complaint still in progress. 
I have reason to believe my bank is trolling my account based on XXXX XXXX  and having just turned XXXX XXXX XXXX XXXX and I must not have the abilities to handle my transactions. 
XXXX XXXX sent me an email about a counter deposit ( s ) now turned debit. Though transpired days apart.

Can they be brought upon criminal charges as we are not acquaintances, nor did I leave anyone in charge of personal banking issue and I am sure the bank itself has more than 3 employees to settle the daily transactions, as this branch holds only three employees when I go in. ( please read attached email ) I made some deposits as I was monitoring my debtors habits myself so I would make my cash deposits to make sure daily activities would post as paid. Hopefully you understand that. Also because of the unknown debits by XXXX, and protect web as cited in my previous complaint. They both have the same non working contact number, et having reported it to my bank for investigation, I receive an email an debit to my recent deposits. 
I just seems extra attention and criminal to my account. Debit a deposit?? I've never caught that ... plus an email? 
Thanks for your help. 
XXXX XXXX XXXX
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2022-11-11
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)

The have sent multiple letters to the credit reporting bureaus ( XXXX, Equifax and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Consumer complaint received 2021-11-16
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. (TN)

My Equifax score suddenly dropped by XXXX points on XX/XX/21 with no negative changes to the factors influencing my score. I called Equifax and they were unhelpful and directed me to consumer credit counseling. I want to understand the change in my score. My other scores remain high. 
Thank you.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (LA)

I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.
Consumer complaint received 2021-12-21
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( Equifax, XXXX and XXXX ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2021-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (TX)

I have received reports from XXXX and XXXX that Flagship is reporting a debt on my consumer report, I have asked for validation of this debt numerous times that is reporting inaccurate, Flagship is reporting inaccurate and illegal chargeoff of my consumer report. i have sent off letter to Flagship on XX/XX/2021 via certified mail U.S. Postal XXXX, the letter asked them according to my consumer rights to enclose all information that this vehicle was repoed in compliance withing the laws of Texas, they are reporting inaccurate information to the Bureaus of inconsistent this is violation of the FCRA. They are in violation and I will seek my lawyer if this is not rectified in the ordiance for them to remove this. It has been pass 15days, they have received the letter in their office on XX/XX/2021.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid 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: CITIBANK, N.A. (MN)

I received a Citibank card with an affiliation to Best Buy on or around the XXXX of XXXX, XXXX. I received this card in the mail after being in Colorado on vacation for the prior 10 days. Upon activating the card and signing up for online access, there was a charge issued on XX/XX/XXXX in the amount of {$700.00} that took place at the XXXX XXXX MN location. ( this was apparently a television, and a {$10.00} Donation ) I contacted the bank to tell them it was not my transaction, and needed to dispute this charge. they assured me, since the transaction took place before I had the card they would remove it. they then shut down the card, and issued a new card. I offered to provide any statement, affidavits or police paperwork they would need to look into this. They assured me on multiple occasions, that the investigators would reach out if they needed anything from me. The only correspondence i received was a letter dated XX/XX/XXXX that stated " I received benefits from the disputed charges made on this account '' I contacted the bank again, to ask what benefit, this is when they told me about the TV and donation. I again told them it wasn't me, and again offered to provide written statement and get a police report, they said they would re open the investigation, and contact me if needed. Today XX/XX/XXXX i called to get an update, and was told the investigation was complete and I am liable for the charges. 
as of today, I am filing this complaint with the CFPB, the XXXX XXXX Police Department ( case # XXXX ) and will also be contacting Best Buy. 
It is my belief that Citibank has drawn out the investigative process in such a manner, and by advising someone not to file report unless asked, they are hoping to run out the clock on and video footage of the purchase. They have also impacted my credit score in a negative fashion by reporting the account as over limit, even though I have never been late on a payment on the undisputed portion of the balance, and have made a payment XXXX recently as XX/XX/XXXX, while this " investigation '' was taking place.
Consumer complaint received 2021-11-16
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. (GA)

XXXX XXXX XXXX account- i have never done business with them and credit bureau has failed to provide any documentation with my signature after being requested, item was removed and then reinserted 2days later, it is also being reported as a closed account now, at first it was reported as a collection but they keep changing its status .. i have never opened an account with them, therefore i can not have a closed account this account is not mine.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

The XXXX said they are auto buy my home owner insurance with the amount triple my Mortgage. 

The usually I paid mortgage with XXXX {$870.00}, XXXX : {$1200.00}, the property Tax and escrow fee : {$1300.00} so total every month : {$3400.00} But on XXXX XXXX, 2022 they auto took money from my bank : {$19000.00}. When I discovered on my bank account a days after that, I call them, and then they excused that the XXXX they bought for my home owner insurance, from XXXX to XX/XX/2022. And they said they send me XXXX letters for that. 
I Argued with them, if i receive any XXXX of the letter i fix the problem right the way, because no way we see the amount jump from {$3400.00} to {$19000.00} and admit to pay this amount. 
They said I accepted their rules when I set up the XXXX pay via their website. XXXX I said I never authorized for any insurance took my money from my bank, I just authorized for the mortgage amount, Property tax and Escrow fee only, this is the illegal activities without my permission, I required them to refund the full amount before we deal with other issue, them They denied to refund money. 

So I am write this complain to CFPB because : 1 - Illegal make the transaction with big amount without my permission.

2 - Ask them to refund the full amount they took from my bank illegal immediately.

3 - Please Investigation about the indistinctive contract they lured the customer.

Please respond my complain ASAP, because they took the big amount of money ( {$19000.00} ) impact effect to my others bills to pay. 
Thank you.