davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC (MN)

I 'm constantly getting calls from these companies concerning a debt collection. I 've spoken with them previously and acknowledge the account even though I was half sleep after working. I 'm unable to live due to calls from them everyday all day. I 've even tried blocking their number but the robot caller just picks it up and leave messages that can be retrieved / played by anyone that uses my phone. They state that they 've sent letters to me which I 've never received and could be a lie because I check my postal box very day and read every mail that comes. I 'm having a hard time focusing on work and my children due to them threatening me to sue me over accounts I tried to keep active with the original creditor but they would n't listen or acknowledge the hard time I 'm going through due to having a baby, being separated from my children 's father, losing a close sister that was very young to death and other problems that comes along when you think your doing good and being honest to keep a good credit score to have a home for your children. Right now I 'm homeless as of XXXX XXXX, 2017 due to land lord not renewing my lease.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I am filing a complaint about incompetence that Chase Travel demonstrated through the cancellation of a flight. I have not received my refund despite over 10 calls with Chase Travel agents. 

XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Itinerary # XXXX Ticket number with chase travel : XXXX Here is a timeline of what happened : XX/XX/XXXX I contacted Chase travel about cancelling an upcoming flight. It was for a trip to visit my family in XXXX but unfortunately they all contracted XXXX XXXX. They told me to send an email with my family members proof of positive tests to XXXX, which I did the same day. They claimed to have sent the test results to XXXX XXXX XXXX to see if I qualify for a free cancellation. 

XXXX I called at least 5-6 time to follow up on my email. However, there was no update from Chase XXXX, despite the urgency from me to get a response, because XXXX XXXX offered free rebooking of my flight until XX/XX/XXXX and I essentially missed that deadline because Chase travel told me to keep waiting for XXXX to get back with a response to waive the cancellation fee. 

XX/XX/XXXX I called Chase Travel again because I have officially missed the free rebooking deadline and at this point, I was out of patience so I requested to cancel the flight and pay the cancellation fee. The agent cancelled my flight and charged {$200.00} cancellation fee to my account, and told me that I would receive the refund to both my account and points within 5-7 business days. 

XXXX XX/XX/XXXX I called 2 more times and was told that they are still working on the case and I should just wait. Every time I called, the agent said that they will follow the case and give me a call to update me in 2-3 days, but I have never received any calls from them. And every time I call them, I am assigned to a new agent and the cycle begins again. 

To date : I still havent received the refund after 25 days since cancellation, despite already having paid the cancellation fee. And there has been no word from Chase Travel.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX  : Account number : XXXX, The account is past the statute. 
XXXX  XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

XXXX  days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the XXXX  year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (FL)

Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX
Consumer complaint received 2017-08-24
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: DISCOVER BANK (FL)

I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

I had a significant amount of USD stored in Gemini XXXX. They offered to convert my USD to XXXX for lower fees, which I accepted because they advertised very clearly that it was transferrable for USD " at any time. '' As a result, I had a large amount of my savings stored in XXXX earning interest. 

On XX/XX/2022, I requested a withdrawal of the entire balance in USD from Gemini. Over two months later, that request remains unfulfilled. Gemini blatantly failed to honor my withdrawal request and didn't provide any substantial information as to why or how to get my funds back. I have effectively been robbed of a large amount of my life savings by Gemini. 

Gemini still refuses to honor a return of the USD I held in my account with them, and now refuses to repy to any customer service requests. It is blatant theft. It is a lot of money. From the mainstream news, it seems directly due to their poor business practices and impending insolvency. It also seems that I am part of a large class of Gemini customers who still have their funds locked up with Gemini. Please help hold Gemini accountable! 

PLEASE PLEASE PLEASE HELP ENSURE THE RETURN OF ALL GEMINI CUSTOMER FUNDS IN A REASONABLE AMOUNT OF TIME! PLEASE DO YOUR BEST! THIS IS A HUGE TRAGEDY OF TRUST WITH A LOT OF PEOPLE AND FAMILIES AFFECTED!
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

I have sent written notification to AFNI INC requesting documentation of any contractual relationship between myself, & AFNI INC . This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe AFNI INC, {$990.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2023-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-25
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act this creditor Navy Federal Credit XXXX XXXX XXXX has violated my rights under 15 USC 1681SECTION 602 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. Under 15 USC 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

I have been disputing this collection account on my reports with Diversified Adjustment Services for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXX XXXX I was enrolled in the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (TX)

Honda Financial stated in a response to my previous complaint that they gave me the opportunity to request a month deferment to help me catch up. That statement was false. I immediately contacted Honda to request this help and it was denied. The r presentative said that she had no idea who had given me this information because there are no notes. The other issue I want the cfpb to help me with is the late fees and how difficult this company has made it for me to make payments. T HH e only way I can pay Honda require me to pay extra fees. This company to has charged me a ridiculous amount of late fees and on tf op of those charges, Honda has not allowed me to make phone, or on their website for future payments. I have XXXX  and I asked the salesperson if these options would be available, because my disability does not allow me to go through complicated payment procedures without having to put the task aside then come back to it again.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On my credit report there is a credit card from chase bank credit card I am currently living in XXXX and have not lived in the United States for 12 years. This is fraudulent activity on my credit report. I need to have it removed to keep my credit in good standing. If you look at my credit report you will see theres been no activity in the United States for the past 12 years. I can provide you with proof of identity and residence in XXXX.
Consumer complaint received 2023-02-27
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. (TN)

I filed a dispute on my XXXX credit report against XXXX Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that XXXX stated that the amount is past due, how can XX/XX/XXXX  payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

Was charged a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed I would definitely get approved didn't read anything saying that it was non refundable if I was denied. And was told at approv it would go to closing costs then I'm up and down with them regarding communication and end up not getting the right documents not due to my fault. And then I get told I don't get my money back. How is this fair or right to do this to people that have to save up money for these purposes. I requested a refund due to the circumstances and was rudely told management won't tolerate a refund. They need to be held accountable. I have read many reviews recently about amerisave and how people were XXXX XXXX when it came to the XXXX XXXX XXXX  XXXX XXXX they were not informed as well. I just want my money back so I can move forward. I have text messages and voice messages stating this how I would definitely approved. I was misled and not told clearly regarding this XXXX XXXX XXXX XXXX or I would have never done this.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC US personal checking account in XX/XX/2023 and deposited funds from another US personal checking account in the same name. When I attempted to withdraw the deposited funds back to the original external US personal checking account, all online and mobile banking services became restricted on my account and no customer service member could explain or outline what I needed to do to unlock the account and access my funds. HSBC eventually unlocked my account and allowed two instant payments back to the origin account but the stopped the remaining ACH transfers I requested ( I had to do multiple because of the arbitrary limits they put on each one ). They called me multiple times asking the same questions surrounding, " Why are you withdrawing the funds to the same account they came from? '' I explained it was because HSBC account functions were locked previously to me, the entire funding process was taking longer than expected with the lockouts, and I needed to use my funds that week.

HSBC then froze the account and advised me they would keep the funds for 60 days while they " figure out what is going on and where the money should go. '' This is my money caught between two basic US checking accounts owned by me. It is a very simple consumer situation yet they are keeping my large amount of personal savings for 60+ days and not allowing any access to my account details or funds and refusing to offer any explanation. This is extremely financially damaging for a customer in my situation and who was told ACH transfers would take a maximum of 5 business days. I am missing out on making timely payments and on earning interest on my funds all because HSBC decided to take their sweet time to review what is happening while keeping me locked out. This is not what any reasonable consumer would sign up for.

Why doed HSBC get to keep my funds for 60+ days without my consent? This is a very basic ACH transfer situation that was handled extremely poorly by HSBC and damages my ability to make payments and rely on financial services as advertised. I am out a lot of money because of this surprising lockup of my funds and forced to wait an unreasonable amount of time to access my funds. Any consumer could easily get into my situation, all I did was transfer money in and out from the same account via ACH, and there seems to be no accountability for HSBC to honor my requests nor return my funds in a reasonable time. They won't even send them back to the origin! Please help return my funds ASAP.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.