davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MS)

SoFi restricted my accounts with them three weeks ago. They said they were performing an investigation but gave me no information as to why or how long it would. They stated someone from the fraud department would be in contact but I still have had no contact and no information. 

Firstly it was my checking and savings account, they processed to close my account I have around {$55000.00} on my brokerage account. Since SoFi had already closed my saving and checking I have no other way to withdraw from my investments account. 
No matter what phone number I call or who I speak to I get no information. This is ridiculous and frustrating. 

They have refused to allow me withdraw with no Timeframe as to when I can withdraw
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

I deposited a check on XX/XX/XXXX through the mobile app. On XX/XX/XXXX Ally locked my account completely. I called and was told the check bounced. They told me they would need to do an investigation. I called back on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX for an update but Ally was not able to provide any update. My paycheck direct deposit was posted on Wednesday XX/XX/XXXX, which would cover any negative balance caused by this deposit being returned. I still do not have access to my own money. I can not pay my rent which is on Sunday XXXX, and will incur late fees from this, or any other bills, or have any money for regular day to day expenses. Ally isn't able or willing to give me any indication as to when or if this will be fixed at all. This is an unreasonable and very troubling amount of time to lock someone out of their own money.
Consumer complaint received 2022-10-21
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: Early Warning Services, LLC (CA)

In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the XXXX XXXX app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited XXXX XXXX closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call XXXX XXXX and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXXXXXX but they also rejected my application because of what happened with XXXX XXXX. The story is being misunderstood and misinterpreted by XXXX XXXX and I cant seem to explain my story to them.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (FL)

I bought my daughter a XXXX gift card for my daughters birthday on XX/XX/XXXX. Immediately there were fraud charges on the card. We called XXXX customer service on XX/XX/XXXX to make a dispute for the fraud charges. We were told it would take 7-10 business days to get the replacement card and could take up to 15-20 days for the claim to be resolved. I received an email on XX/XX/XXXX confirming the case and charges being disputed and that the card and credit would be mailed out. Then another email on XX/XX/XXXX closing the case and refunding the money. We waited until XX/XX/XXXX, still no card. This time when we call Visa Customer service were told that the cards can take 15-21 business days to come in the mail and the card was mailed in XX/XX/XXXX. This wasnt told to us the 1st time when we made the claim, they said 7-10 business days. I asked what options do they have to replace the card and overnight one or to get a virtual XXXX since it has been so long and the card hasnt arrived. I was told there isnt anything that can be done and because of COVID this time frame is normal. But we were told 7-10 days the 1st time we called. I asked what compensation could be offered or any refunds on the cost to activate the card and was told there is nothing else that can be done. This is very inconvenient to wait a whole month to get a replacement card. I then asked if the card doesnt come by XX/XX/XXXX ( when they said it should arrive ) what happens then. The rep said they could reach out to XXXX to find out what happened to the card? As to say there is a tracking number or something. Still not offering the option to overnight the card or email a virtual card. I dont recommend using the XXXX gift cards to anyone with limited finances as they will leave you waiting with no options.
Consumer complaint received 2021-06-10
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: General Motors Financial Company, Inc. (OH)

I reached out to this financial institution on numerous occasions, via phone call in XXXX of XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (AZ)

XX/XX/year> @ XXXX XXXX a 2 minuted call - Received a call from a XXXX speaking representative from Transworld Collections for a debt that is not mine. Mistaken debt belonging to my exhusband and his wife for an XXXX bill - not my debt. The caller from Transworld proceeded to call me a liar when I stated this was not my debt. This caller is harassing me.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/2022 TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Claim ID # XXXX Card Ending XXXX Attn : CFPB I received a notice from my Regions Bank, disputing certain transactions. Based on their investigation, they determined not to credit any of the fraudulent transactions. 

I received my XXXX  check early for the month of XXXX, which was on XX/XX/2022. I called the automated banking system and realized my check was short by {$200.00}. On XX/XX/2022, I went to the ATM and withdrew {$600.00} as I do every month. My budget does include {$300.00} on a monthly basis for website use. On XX/XX/2022, I again called the automated banking system, and my balance was negative {$1900.00}, I immediately called the Regions Fraud Department. They conducted their own investigation, and informed me that I made all of the charges, which I did not. I talked to Regions Fraud Department multiple times, and some of the conversations were of a negative response, and was disconnected. 


I received my XXXX  check on XX/XX/2022. Regions Bank records show from XX/XX/2022, thru XX/XX/2022, showed charges of {$630.00}. My website usage was {$150.00}. The balance of {$470.00} were fraudulent charges. 

I received my XXXX check on XX/XX/2022 for the month of XXXX. I called the automated banking system for my balance. This check was for {$1000.00}, which was {$200.00} less than expected. I went to the ATM and withdrew {$600.00} as I do every month. I spent {$280.00} on the website, as XXXX budget {$300.00} for this expense. 

My documentation shows for XX/XX/2022, {$470.00} fraudulent charges. For the month of XX/XX/2022, {$1400.00} fraudulent charges. For the total of the two months, I was scammed {$1800.00}, which is close to the {$1900.00} Regions says I owe. 

Please conduct your own investigation into this matter. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IN)

Dear Sir or Madam : I am a victim of identity theft or fraudulent activities. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Given the circumstances, I believe that the following hard inquiries should be removed, blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXXXX/XX/XXXX * JPMCB/Card Services ( bank ) XX/XX/XXXX * A copy of section 605B of the Fair Credit Reporting Act, which requires the blocking of the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (PA)

Received Direct deposit through Venmo on XX/XX/year> XXXX. Amount was {$1100.00}. Purchased XXXX  through Venmo on XX/XX/year> XXXX, and transaction was completed. Amount was {$1100.00}. Inability to transfer out of Venmo. Sold XXXX. Account credited the full {$1100.00} on XX/XX/year> XXXX. Purchased XXXX through Venmo, twice, {$10.00} and {$31.00}, XXXX and XXXX. Unable to send out XXXX  again. Sold XXXX  on XX/XX/year> XXXX. Account credited. Purchased XXXX  for {$1000.00} and transaction completed on XXXX, XX/XX/year>. Inability to transfer XXXX  again, which lead to a sale of said XXXX  on XX/XX/year> XXXX. Funds were not released, given date of XX/XX/year> to be released. Upon speaking to customer support, XXXX incapable of expediting process. Spoke to supervisor. Also was given same incapability, along with no allowed expedition due to no line of communication with team who reviews said process. Told funds will be released on the dot of 5 days after initiating sale of purchase. Used Venmo religiously to purchase, sell, and transfer XXXX, never receiving a delay or freeze on account. This time, I did, and considered I use Venmo as my financial institution, I am going to be late with bills and missing due dates.
Consumer complaint received 2021-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Lease
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: VW Credit, Inc (MA)

Two years after I received a payoff quote, paid off the car, and completed my obligations to VW Credit, VW Credit will not release my title They claimed that my odometer statement was not done correctly. 
I re-sent the same odometer statement that I sent originally, with no alteration. 
They said I would get my title in 4 to 6 weeks.

Two months later and they hadn't sent the title. 
They claimed it was their vendor 's fault. 
I looked for VW Credit on consumer databases including this one, and found that they have withheld titles from many people after payoff. 
I looked for legal advice about getting my title back. 
I got a bizarre call at home in which a representative for VW Credit told me that I am obligated to tell them the name of any attorney that I speak with. 
I entered this complaint, along with a transcript of my interactions with VW Credit two years after payoff.
Consumer complaint received 2024-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TN)

Reissuing this complaint because Flagstar responded to my claim, but failed to even mention the issue in their response. They even wrote someone else 's name in their response, even though my actual name was published directly above it. The CFPB should have never closed this complaint as it was never resolved. 

Flagstar transferred my loan to another company that was effective XX/XX/year>. My home insurance was set to expire XX/XX/XXXX. I got a call from my insurance company on the XXXX saying my insurance wasn't paid. I called my new loan company and they said it was up to Flagstar to pay my insurance since they were supposed to issue the payment at least three weeks before the expiration. Due to this failure of Flagstar, I was forced to pay my home insurance of over $ XXXX out of pocket in order to prevent my insurance from being canceled.
Consumer complaint received 2024-12-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (CA)

This XXXX XXXX originated with XXXX in the Summer of XX/XX/year>. I only attended class for approximately XXXX weeks, XX/XX/year>. Hurricane Katrina destroyed 80 % of XXXX XXXX XX/XX/year>. ( Per United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { Federal Students loans are DISBURSED as needed } ( Semester/Trimester ) basis. I DID not attend, even for a FULL semester - nor did I attend XXXX XXXX anytime after XX/XX/year>. It is virtually impossible for me to have RECEIVED the full amount of this XXXX XXXX XXXX- $ XXXX in XX/XX/year>. 

I requested the Dates and ACTUAL AMOUNTS of loan money that I RECEIVED from XXXX - but they have not given me PROOF of disbursements that were PAID to me DIRECTLY- not to the SCHOOL. 

XXXX XXXX XXXX XXXX  are aware of these RULES for Student Loan Disbursement - but they are violating my rights and the the Laws that govern Student Loan Disbursements.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MN)

Bought my house in XXXX and never missed a payment until the covid crisis. Due to being layer off of my XXXX XXXX because of work being slow from covid. Last spring ( XXXX ) during the peak of covid, I asked for assistance from my lender but was declined. They only asked me XXXX questions to see if I qualify for the covid relief program. Now I am XXXX weeks from the sheriff sale and foreclosure.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am now demanding the immediate and complete removal of this account from my credit reports As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. 
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.