davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MD)

Hello, I was attempting to withdraw my XXXX XXXX XXXX XXXX to my hardwallet on Sunday, XXXX XXXX, 2022 and was receiving the following message : Sorry, this ETH withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX -I immediately contacted XXXX, the representative informed me I needed to submit some documents via a 'safelink ' but would not tell me why but to let them know once the upload is complete, and they'll be happy to expedite my case. -I submitted a single photo that contained the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. 3. A handwritten note that states the current date and says [ XXXX ] underneath as requested early morning on XX/XX/XXXX22 via the link : https : XXXX -I was told on the morning of XX/XX/XXXX22 that the representative is working with his team to resolve my issue regarding my account restriction. He will be sure to follow up as soon as he have the next steps. 'If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. ' -I replied to the email on XXXX, XXXX ( morn ), new ticket XXXX, emailed XXXX on XXXX, XXXX. - no responses. 
-I also sent DMs per their twitter to @ GeminiSupport and @ XXXX XXXX the owner ) - no responses. 

The Gemini Points of Contacts are : XXXX and XXXX, twitter accounts are @ XXXX and @ geminisupport. 

Thank you in advance for your assistance.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXX on XX/XX/2022, was in a XXXX XXXX and XXXX XXXX vehicle. Is the leaseholder. My complaint is against XXXX XXXX and XXXX XXXX and all its Dealerships. XXXX XXXX and all their Franchises have colluded together to charge a market correction invoice charging {$5000.00} over XXXX of {$25000.00} {$31000.00} Sometimes even {$10000.00} per car. All the Dealerships say it's a supply and demand they have a shortage of cars and more demand because of chips and XXXX XXXX. They're slow walking the inventory to market. Not only XXXX but all the car makers are doing the same to overcharge on these vehicles. You don't have an option to buy at a fair price. You have an XXXX problem with the XXXX XXXX. They have a XXXX on the price. They will not negotiate the price. This is not a fair market in XXXX. The Insurance company appraised my vehicle at XXXX XXXX we had a payoff of {$26000.00}, If I wanted to buy the car I would pay XXXX plus tax. XXXX came up with a different amount charging XXXX Stealing from me over {$5000.00}. They told me it was their car they just leased it to me. That didn't matter because I would be paying XXXX if I wanted to buy my lease car. This is a banking fraud Nothing on their website nothing in any of the lease documents. 
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Consumer complaint received 2022-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (PA)

I ( a potential student ) went around to different schools looking to see which one fit my interest. I had showed up to XXXX XXXX on admissions day to see the campus, and was showed how to join classes online by a lady that worked there. I had left the school relalizing that it was not the school I would want to attend. A few months go by and now I am getting a charge in the mail saying that I own XXXX XXXX {$3600.00}. While attending admissions day, the lady who was showing me the online signup must have accidently signed me up for classes for which I did not ask her to do, and made it clear I was just looking at schools and what classes they offered. I have sent appeals and several complaints to the school for this issue but they denied them all and said that it isn't their problem. They sent the debt to a collections agency XXXX Williams & Fudge , Inc ) and as of XX/XX/XXXX, I owe them {$3600.00}. I do not have the money to pay them for a mistake they made and do not want to admit they made one.
Consumer complaint received 2022-10-05
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: Bread Financial Holdings, Inc. (MA)

I went to XXXX in XXXX, 2022. I charged meals on my BJ credit card. I was offered to apply for special things through XXXX. I got an email saying I was chosen. I never heard any information about a {$700.00} charge. I had already purchased meals for the return flight. I never authorized {$700.00} to go on that credit card. That was almost the price of my entire trip. I made a claim to BJs. I found out after the fact that they closed out my claim twice. I kept asking for a reason that my claim was closed. I cant tell you all the ways I tried to get a response but never did. The credit card company sends me irrelevant letters. I never authorized this charge and the charge itself is ridiculous. BJs has been horrible. Im leveling a complaint.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022, my chase account had been locked. I didn't know why but it asked me to call them so I call them assuming I was speaking to an advisor from Chase but she told me that they closed my account and couldn't tell me why. So I had to call Chase again from their primary customer service line but the second advisor XXXX told me my account got closed due to " me calling in a deposit that was missing '' but I didn't make a call. Why can't they look up the phone number that called in and look into that. I had attempted to go the branch but they told me there was nothing I could do and my account would be closed forever. I've never had this issue before and I have deposited checks before that have never bounced or were fraud. The fact chase will not be willing to help me even thou my account got comprised. I had lost my lost card a prior month and I don't know if that has to do with it. But they also refuse to do chargebacks on charges I didn't do. I would like my account reopen or for them to look further into it. Or remove it from my credit so I could open an account with another bank.
Consumer complaint received 2020-08-18
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. (FL)

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2022-10-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I got a letter today from Lakeview Loan Servicing , LLC concerning a data breach in their systems. They informed me this occurred between XX/XX/XXXX to XX/XX/XXXX. They then told me in the letter that on XX/XX/XXXX that the information accessed had my information included, including my ss number and my name. Also, between this time period is when I had my mortgage transferred over to this company. Whenever I sold my home to have the mortgage paid off through a lawfirm, the law firm even told me that they were showing a XXXX balance on the mortgage and that it somehow got paid off before i sold my home in XXXX of XXXX. I believe something fishy is going on with this company. I would like to see if I can recover my funds from this company or if it is possible to seek out a lawyer to recover the funds from which the house was sold back in XXXX of this year. The law firm is XXXX XXXX XXXX in XXXX north carolina. whenever i approached them and told them i was selling my home, they informed me that the loan was actually already paid off somewhere between XXXX and XXXX of last year, the same time the data breach occurred. i would like to get all of my money back from them because I feel like a scam has occurred and this hurts my heart and is heavy on me because of it. i do not accept their 1 year credit monitoring service because I already have credit reporting alerts from all three bureaus. I am a XXXX vet and I will get my state attorney general involved. their credit monitoring service is not enough
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (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. 

XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights 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 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 to cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (TX)

Please read the attached correspondence between XXXX XXXX, XXXX XXXX Rice XXXX XXXX First Advantage/NCAC and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX XXXX son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manageXXXX and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, a copy of email address was wrong. XXXX a realtor so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. Please review the correspondence between the debt collector and XXXX XXXX XXXX In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Texas XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

I received a letter from Capio Partners on XXXX claiming a debt I owed for {$2500.00} had gone to collections. I wasn't aware of any medical debt. I called Capio Partners and filed a dispute, requesting more information on the original creditor and a verification of the debt. 

Just a note : the person I spoke to assured me that I could file a dispute over the phone and did not need to mail in a written statement. I asked multiple times to be sure and they said the words " you do not need to mail in anything. I can open a dispute over the phone. '' I wrote down those words in my notes and recorded the individual 's name as well. He told me that there was no point in calling the original creditors or trying to question them about the debt, that it was too late and I Capio owned the debt and I needed to pay them. 

Before getting information that I requested and validation from Capio, I was able to determine based on the date they gave me that it was from a hospital I had an ER visit at in XX/XX/XXXX. Since I have been paying off a medical bill from that visit, so I was confused about an additional unpaid debt. 

I called the hospital that same day ( XXXX ) and I was able to discover that due to the hospital 's clerical error, they failed to make me aware of this additional bill of {$2300.00} ( which was less than the amount Capio Partners claimed. ) It turns out that the hospital had written down the wrong address on one of the documents, despite my driver 's license having my correct address, and so notice letters were sent to a different apartment. 

The hospital also revealed that Capio Partners had sent back the debt as " non-collectible '' in XX/XX/XXXX and so it actually was back in possession of the hospital. I paid the debt with the hospital immediately on XXXX. My balance with the hospital became zero. 

The next day, on XXXX, I received a confirmation email from Capio Partners that they were officially opening a dispute and would investigate whether the debt was valid. The pdf explicitly stated : " We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion of the investigation, we will inform you of whether our information was accurate or innaccurate. '' I never received any of the further information that I had requested about the original creditors or validation of the debt. I knew that when they did their investigation that they would see I settled the debt with the hospital, as confirmed by the hospital themselves multiple times including today. 

However, despite that fact, on XXXX Capio Partners reported the debt as past due to a credit reporting agency ( XXXX ) and when I called Capio they had to reopen a new dispute and told me to send my proof of payment to an email of theirs. This shows me they never did an investigation on the validity of the debt.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (MI)

Our mortgage with Land Home Financial Services has been in forbearance/loss mitigation since XX/XX/XXXX due to hardships caused by the COVID-19 pandemic. On XX/XX/XXXX we applied for the XXXX XXXX program and were approved for the government assistance funding on XX/XX/XXXX. Since that date the XXXX program has tried reaching out to Land Home Financial Services by sending them requests for information on three separate dates. From what I was told from XXXX  those dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also tried sending out an email on XX/XX/XXXX in hopes of getting in contact with someone. XXXX has not heard back from XXXX XXXX XXXX  from any of these attempts. XXXX is simply requesting the information and documentation they need in order to be able to transfer the funds we were approved for in order for us to get out of loss mitigation and back to current with our account. We have made XXXX XXXX aware on multiple occasions that we will not be signing any modification paperwork because if we do we are not longer eligible for this assistance that we are already approved for and very much need. We have been in constant contact with the XXXX program as well as call the Loss Mitigation department at XXXX XXXX. However, every time I reach out to find out why they have not yet responded to the requests I am given a different answer. The most recent two times I've spoke with them they have told me that they have no record of us being approved for XXXX or that XXXX has tried reaching out to them. However, all phone calls previous to this I was told something different. At one point I was told they were just short staffed and will get to it when they can. I spoke to XXXX XXXX on Friday, XX/XX/XXXX and asked them to speak with a supervisor. They informed me they were unable to transfer me to a supervisor and the only way to speak with one was to have them call me back within 3 business days. I told them that my next step was to submit a complaint to the Consumer Financial Protection Bureau if I did not hear back as I have not many times before. It has now been 4 business days since being told I would hear back from a supervisor and have yet again not heard anything. I feel as though we are being lied to and that Land Home Financial Services is trying to have some sort of financial gain from our hardship or choosing not to respond to these attempts at funds being offered to them in hopes that we will give up and they can either foreclose OUR home or make money off of interest in a modification. These are all unacceptable.
Consumer complaint received 2020-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIRVA WORLDWIDE INC. (CA)

Our first mortgage payment was due on XX/XX/2020 in the amount of {$3700.00}. That payment was made by check to SIRVA Mortgage because our online account had not been set up. Every  mortgage payment starting XX/XX/XXXX in that amount until now has been made online and on time. The mortgage company has seem to have misplaced our first payment and they are calling trying to collect on an up to date account. On several occasions proof of payment has been sent with the first email being sent on XX/XX/2020. This proof includes the cancelled check. Another email was sent on XX/XX/2020 and all other contact by phone or emails sent by my husband pretty much every month. We are receiving calls and emails notifying of late payments. We have even trying to escalate through customer service only to receive verbal and mailed letters stating that they are " researching '' or they need more information such as proof of the payment clearing the bank. Proof of all payments have been sent several times with no resolution. We are at our wits end and do not know what else to do to get his issue resolved and feel we were left with no other choice but to submit a complaint to get this issue resolved that has taken almost six months.