davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (IL)

I RECEIVED A RESPONSE FROM THE COMPANY TO WHICH THEY STATED THEY UPDATED MR. XXXX FILE THAT IS NOT MY NAME. WHO IS MR. XXXX? 

THIS APPEARS TO BE A FORM LETTER AND AN EMPLOYEE DID NOT REVIEW IT PRIOR TO PRESSING SEND, AS IT HAS MY NAME, MR. XXXX NAME, AND A DATE OF XX/XX/year>2024 ON IT.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I checked my Charles Schwab XXXX  checking account and noticed some charges I did not make. I contacted the bank about the following transactions : XX/XX/XXXX24 XXXX {$39.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX XXXX {$20.00} ; XX/XX/XXXX24 XXXX  {$52.00} ; XX/XX/XXXX24 XXXX {$14.00} ; XX/XX/XXXX24 XXXX {$32.00} ; XX/XX/XXXX24 XXXX XXXX - XXXX XXXX {$52.00} ; XX/XX/XXXX24 XXXX XXXX {$47.00} ; XX/XX/XXXX24 XXXX XXXX {$21.00} ; XX/XX/XXXX24 XXXX XXXX {$28.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX {$23.00} ; XX/XX/XXXX24 XXXX {$390.00}. 

They gave me credit on XXXX/XXXX/2024. On XX/XX/XXXX2024, I received a letter stating they could not approve my claim and reversed the credit.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Step one : I won money from online Sports contest I choose XXXX as my payout method Step two : I went to XXXX XXXX XXXX type in XXXX. XXXX popped up. So I downloaded app & made my account. Maybe I didnt set it up the right way. 

Step three : I hit the receive button, copied the XXXX link and sent it to the contest provider, Step four : the provider sent the money VIA XXXX XXXX have proof there nowhere to send image on here but can provide ) Step five : confirmation that this wallet exists ( also have proof there nowhere to send image on here but can provide ) Step 6. I will Admit that have only have this app for about XXXX hours. So, I dont think XXXX setup the XXXX word the right way. 

Bottom line is the provider sent the money to that wallet because I sent them the link to that wallet. and there is confirmation that the payment went through.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NY)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (IL)

I setup a payment plan with my account and it took over a week for them to release my payment to another company to the point by the time they tried to redo it another subscription had taken it so I had to start the process over
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (GA)

Cash app has repeatedly refused to send me a debit card with a tracking number. After multiple attempts and several cards being lost in the mail, I requested a tracking number which they refused. I then provide written notice 3 times to close my account. It is in good standing and a XXXX balance. They have refused to help me every step of the way or to comply with my demand to close the account.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I was approved by the Louisiana HAF, after Hurricane Ida. My initial application was scheduled on XX/XX/XXXX, and processed by Truist on XX/XX/XXXX. On XX/XX/XXXX, I received notification that previously accepted homeowners were now going to be assisted for additional monthly mortgage payments and that no further action was required by me. On XX/XX/XXXX, I was able to make one months mortgage payment, which I called in to do so- Truist accepted the payment. Since XX/XX/XXXX, the status on the HAF portal states Mortgage Reinstatement Payment Remitted To Lender Or Servicer. Please Allow Up To 30 Days For Your Bank To Receive And Post The Payment. Applicant Also Approved For One Or More Future Payments, Which Will Be Paid Monthly. I waited the 30 days and called Truist, my mortgage servicer, on XX/XX/XXXX to ask for a status of my account - when I was told that theyd received a lump sum of funds from the HAF and were just waiting for HAF to advise them on how to distribute funds to each account. They told me to call back the following Thursday, XX/XX/XXXX, which I did. This time I spoke to someone who told me the same thing as the last person Id spoken to. By this point, Id just received a check in the mail for the amount of the mortgage payment i made on XX/XX/XXXX, with a notice telling me that Truist was unable to accept my payment due to my account being >3 months late. Therefore, the only way they would accept payment to my mortgage was if the full delinquent payment was made. How do they expect me to have the full amount if Ive applied for the homeowners assistance fund? Ive called Truist yet again on XX/XX/XXXX with no success in getting an update on the funds awarded to me. Fast forward to today, XX/XX/XXXX, no payments from the HAF have been applied to my account, and Truist has now reported my mortgage as 4 months late to the credit bureaus. I just need some answers.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Consumer Financial Protection Bureau, I am writing in reference to payment issue that I have been facing while receiving payments from XXXX. I am a developer who is based in XXXX and who was regularly receiving payments from XXXX until the issue took place. 

It has been over a month since my payment which is dated XX/XX/XXXX with XXXX number XXXX was not received. Before this, my payments were received successfully for several months. 

I have reached out to my bank support in XXXX, and they sent me a screenshot of the payment status, which I have attached to this letter. According to it, the payment is currently in XXXX of the transit banks in XXXX XXXX ( either Bank of America or XXXX XXXX  XXXX ). 

XXXX claims to have paid a finder 's fee and chargeback on XXXX of XXXX, but the situation has not improved since then. Despite my repeated requests, XXXX refuses to do any additional tracing. 

Please find the details of the account to which the payment should be sent : XXXX I would greatly appreciate your assistance in resolving this matter. 
Thank you for your time and consideration.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (SC)

All I can tell you is I have had problems logging into the website because I have more than XXXX retail account that is managed by the same bank and it makes saving login information a nightmare. And since paperless billing is strongly encouraged and sometimes even costly if not signed up for, the inability to login is exactly like operating with zero account access other than any email and text notifications signed up for in the beginning. So without access to detailed billing information, I was shocked to learn recently that XXXX dollars in my monthly payments were allocated to the balance subject of deferred interest. I was informed that since I did not make special arrangements to allocate specific funds over and above the minimum payment amount each month to be used for paying off the portion of the total amount owed subject to the deferred interest month in incremental payments over the period of time that the interest is being deferred, then all the interest that is accruing during that time period will be added to the card balance all at once. So the ~ {$800.00} charge with 24 months of deferred interest payments that has already accrued nearly {$200.00} in interest so far, will continue to accrue interest until the end of the 24 month period, which by then will amount to {$600.00} or more, UNLESS I make special arrangementsright awayto add almost {$60.00} to each of my normal monthly minimum payments for a total exceeding more than twice my current monthly payment amount, and what is most disturbing is not so much everything I already mentioned because this aint my first XXXX XXXX by shady lenders, its the fact that the whole thing started with me going to the retail store, being offered a discount for applying for a credit card, being approved, and then having that item I purchased on a deferred interest plan, yet my card limit well exceeded that purchase, and NEVER ONCE BEING ADVISED THAT IT WAS UP TO ME TO MAKE THE SPECIAL ARRANGEMENTS AS EXPLAINED ABOVE. WHAT A RACKET
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On Saturday,XX/XX/XXXX, I made a phone call in the morning to the bank requesting the card to be changed to a different card that comes without annual fee, and got approved. However, the account didn't get updated at all since then. 

On Thursday, XX/XX/XXXX, I used online chat to connect to a customer representative, and learned that the product-change request was actually put on hold and was told this whole process might take 2-4 weeks, which is absurd and preposterous, and completely  unacceptable. 

Then I decided to cancel the account, to save time and trouble. Again, my request was approved, and I was told this change will be put in place within 24 hours. 

However, as of now, when I log into the online account, there is still no sign of updating or change to be made to the account, nor did I receive any confirmation email from the bank. I believe that once again, I was being played and tricked by their ruse.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Consumer complaint received 2024-10-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SOFI TECHNOLOGIES, INC. (MS)

I made an XXXX Payment to my brokerage account with XXXX with the Amount of {$55000.00}, On XX/XX/XXXX money cleared on the XXXX wasnt able to withdraw. Was told to wait 6 days, after the 6 days completed XXXX restricted my account, and denied me access to withdrawal or made transfer I have called them to fix it but no sign of help from their customer support, No timeframe was given to me and I do not have any more money, my bills are coming up, rent and school fees I am very frustrated The bank is not helping.
Consumer complaint received 2023-03-02
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. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-15
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CIT BANK, NATIONAL ASSOCIATION (NC)

I opened a CD with CITBank on XXXX/XXXX/XXXX. I closed it on XXXX/XXXX/XXXX. It was a XXXX year CD. The interest earned was {$1600.00}. They charged me {$2100.00} in penalty. I think this is abusive. I am XXXX under extreme financial difficulties. Please help me on this issue. I can understand taking all my interest, but this is ridiculous. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX.
Consumer complaint received 2023-03-02
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX is stating I owe XXXX on an account I never lived in or signed a lease. I have requested and sent information showing this debt is not owed by me but an ex that actually lived at the address but they refuse to take this debt off my credit. After showing proof I never lived or signed a lease agreement.
Consumer complaint received 2023-03-03
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: JPMORGAN CHASE & CO. (IL)

Credit card was opened in my name without my permission onXXXX. The card was issued by JPMCB. On XX/XX/23 I recieved a letter from JPMCB stated they required more information to complete my credit card request. I DID NOT provide any information because I was suspious of this letter since I never applied for a credit card with JPMCB. I recieved a seconf letter stating my request for the card was denied. A XXXX  letter was recieved stating they had re-enstated my card application and sent me XXXX credit cards. When I recieved the cards I did not activate them. On XX/XX/23 while checking my credit report I noticed this credit card from JPMCB was now on my credit report. I contacted XXXX to report this fraundulant account. I has since contacted JPMCB and had the card canceled.
Consumer complaint received 2024-10-20
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing Inc. has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Fair Collections & Outsourcing Inc. failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by American Arbitration Association. 


Fair Collections & Outsourcing has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Credit Adjusters, LLC (TX)

This loan is 9 years old. The money from this loan was taken from my account 8 years ago and this creditor is still harassing me to pay it contacting me pretending to be law enforcement.
Consumer complaint received 2023-03-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TX)

Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Transunion report. The following date is when this remark was disputed via CFPB : XX/XX/2019- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with XXXX or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like Transunion, therefore, they could not confirm nor deny any information. Transunion continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof Transunion verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Transunion. Ive even attached my Equifax report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have an account with XXXX XXXX. Unfortunately I lost my job and I had my first baby and recently gave birth again so I have been having financial hardship. This account though has been harassing me daily calling from different numbers about 7 times a day and recently they some how got a family members number and called them to tell them I had 24 hours to contact them. I dont know how they got their number. I dont appreciate being harrassed daily numerous times. I always paid on time until recently that I've fallen into hardship
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NC)

I want the information regarding : XX/XX/year> {$21000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized XX/XX/year> {$3000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized.