davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (VA)

On XX/XX/2022 my wife and I were interested in buying a home lot in XXXX 

According to the sales person a 5 % down payment which can either be via money wire or check is needed to create a sales contract. In the event we don't reach an agreement on the contract, I was told that my money will be returned to me. 

So since I have my money in an online saving accounts with Discover bank, I opted to do a money wire transfer. The total amount was for {$41000.00} that was wired to XXXX XXXX account in XXXX XXXXXXXX XXXX. 

In the evening of XX/XX/2022 after the wire was made, we did not reach an agreement and I did not sign any documents and was told by the seller that they will not accept the wire or if it happens to be in the account that they would refund it. 

As of today XX/XX/2022 neither the seller says the received the wire nor my bank has any information. 

When I called Discover bank they told me the wired the money but for some reason they have been trying to get additional information from Federal reserve but with no success so far. I called more than 5 times already in the last two weeks. 

The sellers office called me last Thursday stating that they did not received any money and that I should stop calling them. 

I called the federal reserve and they said they don't hold money and that I needed to file a complaint with the CFPB I need to know what happened to my money and why the information is not being released. 

I will enclosed some attachments as proof of what I am saying. 

Please don't hesitate to email me or call me at XXXX should you have any questions. 

Sincerely XXXX XXXX
Consumer complaint received 2022-05-23
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. (PA)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-02-07
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: CITIBANK, N.A. (CA)

In mid to late XX/XX/XXXX, my CitiBank Mastercard ending in XXXX was lost or stolen and used to make XXXX charges totaling {$100000.00} in late XXXX and early XX/XX/XXXX. I noticed an email from Citibank about charges, and I clicked the email to indicate that I did not recognize the charge. ( Screenshots attached. ) Citibank then closed my account and mailed me a new card. I figured this was all I needed to do, but then I received a bill that still had the charges on it, so I also contacted Citibank on XX/XX/XXXX, and notified them that these were all fraudulent unauthorized charges. 

The letter CitiBank sent me on XX/XX/XXXX ( copy attached ) states that I am NOT responsible for any charges while investigation is pending, however the XX/XX/XXXX, bill to my card statement showed XXXX minimum payment due as the {$100000.00} charges are in dispute, but the XX/XX/XXXX, bill added {$1800.00} in finance charges and shows {$9400.00} due XX/XX/XXXX. When I spoke to the fraud investigations department they said this was a mistake, but Citi customer service says the bill is just automatically generated. 

While this {$100000.00} in fraudulent unauthorized charges remains on my bill, my credit rating goes down considerably. Citibank needs to remove these charges from my credit card and zero out the balance. I even supplied a copy of my driver license to Citi and by now they must know that whoever made these charges was not I. These are all unauthorized, fraudulent charges made in apparently the XXXX XXXX, CA area, and I have not even been in California for some time, and was not in California at all in XXXX or XX/XX/XXXX. I have proof that I was out of state and at an event on XX/XX/XXXX, when most of these charges were made, and was nowhere near California.
Consumer complaint received 2022-05-23
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. (OH)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : THE XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I paid off my mortgage with the money source ( # XXXX ) on XX/XX/XXXX and they transferred my loan to a new servicer ( XXXX XXXX  XXXX, XXXX, # XXXX ) on XX/XX/XXXX. For this transferred mortgage after the pay off, the new servicer keep sending me that I owe money. Since it is already a month passed, I only have 3~4 weeks left to solve the issue w/o hurting my credit since I'm not paying the monthly payment to the new servicer that they claim I owe. 
I have been asking The money source multiple time since the first week of XXXX to fix this wrongful service transfer, proactively work with the new servicer to fix it but The money source keep saying there is nothing they can do other than just give me papers like a transaction history, pay off letter things. Those documents, I already passed it over to the new servicer to prove it was closed but they said that is not sufficient proof. At this point, I don't have better way to get this problem fixed beside from filing a claim since the old and new servicer is not really working to fix the issue.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (MT)

Started calling back in XXXX last yr and then last week. First it was a XXXX XXXX XXXX XXXX ( XXXX XXXX. Then a XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. In XXXX, XXXX. Asking us to make payment arrangements for XXXX on a closed accountfrom ky.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

My first attempt to rectify the issue was by creating a dispute through the credit reporting agencies. My second attempt was contacting the creditors via phone and my last attempt was sending them documentation of my circumstance via certified US Mai on XXXX XXXX, XXXX and yet the creditors refuse to remove the information from the three reporting agencies. I am a victim of a Nigerian Romance Scheme. This was determined by the TX FBI and the U.S. Department of Justice. I am providing the creditors name and partial account numbers as the entire account number does not appear on the credit report. Prior to this issue I had great credit. I wish there was something in place to protect consumers from being allowed to open all these accounts without question just because I have or had good credit. I am a senior citizen and am just looking to get my life back in order and move forward and having this information on my credit reports are not helping. 
JPMorgan Chase Account # XXXX .... Opened XX/XX/XXXX XXXX {$26000.00} XXXX XXXX XXXX Account # XXXX .... Opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$15000.00} XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX  Account XXXX... Opened XX/XX/XXXX XXXX {$17000.00}
Consumer complaint received 2022-02-07
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. (MD)

XXXXXXXX XXXX XXXX 30 days past due 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

The phone team again messed up my account. I called and tried to open a dispute XX/XX/2022. The representative was rude and opened the dispute for the wrong charge. I had a valid charge from my gym onelife fitness. However they overcharged me. It was supposed to charge {$39.00}. I told the rep this and was expecting a {$20.00} conditional credit, with the dispute paperwork being mailed to me to fill out. However today I see a {$5.00} conditional credit for dispute and the phone team wont speak to me the 2 times I called. The charge I am trying to dispute that the phone team admittedly has no idea how to remedy is below : " XXXX EFT '' on XX/XX/2022 from my checking account in the amount of {$59.00}. Please note it was supposed to be a {$39.00} charge. Please open the dispute and assign a supervisor I can converse with. I can not speak by phone and only in writing given the nature of my XXXX and the inability to find competent reps at your phone numbers provided with using assistance. There is this concern and also I never got the promo monies for opening the account initially I was promised. I saved these screen shots and emails from last year. Can I have the email to discuss this as well with a competent supervisor? Thank you.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX Synchrony Bank issued a complaint in the District Court For XXXX XXXX XXXX. Synchrony Bank stated that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail.
Consumer complaint received 2022-09-30
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. (NY)

I am noticing inaccurate information on my consumer credit report regarding XXXX Bank. Equifax is reporting the account as OPEN with a {$910.00} balance. In the remarks section Equifax is reporting XXXX disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXXXXXX XXXX as XXXX with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXXXXXX XXXX XXXX XXXX  for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and 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 2017-11-22
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: VW Credit, Inc (CA)

Company : XXXX XXXX XXXXXXXX. 
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Consumer complaint received 2022-05-23
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: Tesla, Inc. (CA)

I have 3 hard inquires on my report dated XX/XX/XXXX2022 They are not mine. 

I had contacted XXXX via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with XXXX and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then.

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.
Consumer complaint received 2022-04-18
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: Mr. Cooper Group Inc. (DE)

I have disputed several times to XXXX and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KLS Financial Services, Inc (NC)

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 XXXX XXXX, Senior Energy Consultant ( Tel. XXXX XXXX XXXX email XXXXXXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX convinced me to sign up to have the solar system installed at our house at XXXX XXXX XXXX XXXX, XXXX, California XXXX. We met several times at our house because there was a problem with how much we can save on electric bills. I mentioned to him that I am concerned that the federal tax credit he mentioned will not affect our tax situation because we do not owe that much in income tax. Since I prepare tax returns for individuals as a XXXX  I know that the federal tax credit he was referring to do not apply to us. He tried to prepare different scenarios on how the solar system will benefit us, like rebates at end of the year, lower monthly electric bill, etc. and kept changing the contract. To make a long story short, the SOLAR PANELS HAVE NOT BEEN INSTALLED and I am also sure that the XXXX XXXX XXXX has not approved its installation either. However on XX/XX/2022 Equifax reported that the agreement had been consummated XXXX XXXX Confirmation # XXXX. All i want is to have this matter removed from my credit report. Please help and I would appreciate your assistance.
Consumer complaint received 2022-02-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (IN)

XX/XX/XXXX I went into agreement with XXXX XXXX XXXX XXXX XXXX with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to Westlake Financial Services via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while XXXX XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to recscind.
Consumer complaint received 2022-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Services, Inc. (MD)

I had set up payroll allotments ( automatic payments out of paycheck ) which was required by XXXX XXXX to pay the loan. The payments were not applied to the loan in timely matter due to the loan servicer Scratch. There was issue on behalf of the loan servicer applying the payments to the account. There are late payments on my credit report, that I requested be removed. I have still not received the {$95.00} overpayment after my loan was paid off.. The account is paid in full ( see attached letter ) but is still showing a balance on my credit reports.