davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (AL)

On XXXX XXXX, XXXX I filed for Chapter XXXX Bankruptcy case # XXXX. My attorney went over all the information listed on my credit report. I obtained all credit reports and disputed all tradelines as included in Chapter XXXX bankruptcy. I disputed this debt in early XXXX XXXX and again XXXX XXXX, XXXX. Both times the debt collector refused to change the status to included in bankruptcy. I called the number located on my credit report and could never reach customer service. The number listed on my credit report noone answers that number. It continues to ring. On XXXX XXXX, XXXX I XXXX  searched and found an alternate number. I called and spoke with a representative. I explained my situation to her and she stated once they received the dispute they would take a look at it. Today, XXXX XXXX, XXXX I received the same results as before. I am not sure which credit card has hired this company as it is not listed on my credit report. I 've never received anything to validate the debt from this company.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC (MN)

I had been a part of the covid relief program with my mortgage company. Once it was finished they said I needed to make 3 on time payments in a row and they would renegotiate the loan. After making 6 on time payments they had not sent out the new paperwork to sign. I had called them every two weeks asking where the paperwork was. I continually was told don't worry and just keep making my payments. They finally sent the paperwork XX/XX/2022 which was a Friday. The bank was closed by the time I got it and Monday the XXXX was XXXX XXXX banks closed. I immediatley went to the bank Tuesday XXXX the XXXX and got it signed and notorized and mailed it back in the fed ex envelope provided. That next day ( XXXX ) NRL Mortgage called me and said they were issuing new paperwork because the time ran out??? I should not have to keep playing this game. I need this paperwork done and recorded so I can refince my mortgage with a different lender. I am being penalized because they took 3 months to send me the paperwork and when they did the time ran out?? This is unacceptable and I want it resolved immediatly.
Consumer complaint received 2022-02-26
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. (MS)

There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX Re : Navy Federal Credit Union NFCU knows I am a XXXX Veteran. NFCU knows, my information was sold to the dark web. Received calls from NFCU XXXX twice XX/XX/22 at XXXX, XX/XX/22 at XXXX and XX/XX/22 at XXXX. Sent a message via the message center asking why NFCU was calling so much and never leaving a message? I then requested that NFCU only communicate via the message center. Navy Federal Credit Union 's response was " Ms. XXXX. We understand that you would like communication only by eMessage or message center. To process this request, you are welcome to delete your phone number from your profile. Regarding the calls you received, we will be glad to assist you, but we need to learn more. In your reply, please advise how you learned the calls were from Navy Federal. We hope to hear from you very soon. '' What type of employees do you have working at NFCU to provide such an alarming unprofessional response? I am not a debt slave and NFCU already violated the Electronic Fund Transfer Act ( EFTA ) by stealing {$1500.00} out of my account and it was put back in my account after my CFPB complaint. Now NFCU is violating the Telephone Consumer Protection Act ( TCPA ) with masked robocalls.

NFCU violating and harassing members.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Consumer complaint received 2022-02-25
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. (ND)

I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-25
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. (AR)

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2022 my UnionBank debit card was hacked by a foreign fraud organization and an amount of {XXXX} was transferred to a XXXX XXXX via a money transfer service called XXXX. I had not authorized this transaction and just by sheer luck, happened to check my account shortly after it occurred. I immediately called the bank help line and discovered that it no longer functioned 24 hours a day, as it had before being acquired by XXXX XXXX. ( Generally, following this merger, services have suffered greatly and fees have been rampant! ) As a result, I was unable to put in a charge dispute till the following day. 

When I finally was able to open a charge dispute, I was told that there would be a 10 to 20 BUSINESS day investigation period at the end of which I would get a response via email detailing the results of their investigation. And so I waited. After a full 21 business days had elapsed without a response I called the dispute response department and was informed that no investigation had ever been opened or was lost. I was told I would have to open a new one and that I would have to wait an additional 10-20 business days for an an investigation to take place. This amounts to a dog ate my homework response, which in my experience is typical with stoned teenagers and giant fascist corporations such as XXXXXXXX XXXX ( Truth be told, I would trust a stoned teen before XXXX XXXX with my money. ) What I would love to see happen is for XXXXXXXX XXXX to be put out of business through strangling fines and draconian regulations. I realize this is unlikely. I insist, however, that you investigate this and give them some legal pain that will cost them significantly more in lawyer billable hours than the small sum that was stolen from my account as punishment for their XXXX  response to my complaint.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In reference to XXXX XXXX ending in XXXX. I have asked for reporting information to be reviewed because it is not accurate. I have reached out to the CEO and CFO. My request was denied. I have never missed a payment. I have always paid monthly. I did make a mistake in payment amount for XXXX. Im asking that my report reflect all payments made and consideration be given for the mistake in payment amount. I never meant to be short {$6.00}. It was an oversight that I corrected the instant I was made aware of my mistake.
Consumer complaint received 2022-02-26
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)

Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.
Consumer complaint received 2022-02-25
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: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX 2022 I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX22 I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc (MO)

On XXXX XX/XX/2022 I received an email from notify@chime.com informing me that the email address associated with my account had been changed. The email addressed me by my mother 's name, not mine. Additionally, I was not aware I had a Chime account so I was very concerned this could be some kind of scam or phishing attack. 
That same day I replied stating this was an unauthorized change, to freeze the account, and to apprise me of the situation. 

On XX/XX/XXXX I realized I had never received a response from Chime. I resent the email to their standard support address. 

XX/XX/XXXX I received a boilerplate response that I would need to contact them from the email address associated with my account ( which was what was changed by whoever was trying to hijack my account ). Otherwise I could submit my photo, government id, and SSN to verify my identity. 

XX/XX/XXXX I responded with my refusal to provide my personal information on the basis that they had originally called my by the wrong name and I did not trust who they were. 

XX/XX/XXXX They sent another boilerplate e-mail reiterating their desire for my personal information XX/XX/XXXX I sent an email asking for my issue to be referred to a fraud or oversight department within their company, or if there was a financial regulatory organization I could contact instead of running into their brick wall of boilerplate responses. 

XX/XX/XXXX I received yet another boilerplate response stating that they need my personal information. 

Chime has refused to have any meaningful communication with me and I refuse to provide them with my personal information as I do not recall the creation of an account and they are calling me by the wrong first name. The fact remains that they have an account that was until recently connected to my email address and they have allowed a third party to take control of that account. Despite my appeals that this issue be referred to a department that can actually investigate the issues I have been refused any assistance and have received nothing but copy and pasted responses from Chime member services. 

I think my least favorite part of our e-mail chain was when Chime wrote that " We do not change our customer 's email address without receiving the confirmation and required documents to protect our customer 's account and personal information. " Which, if that was indeed the case, this issue wouldn't be occurring in the first place because this all started based on them informing me of an e-mail change, and I don't believe anyone has a picture of me holding up my id in one hand and a piece of paper with the date in the other. Nobody had that to change my email originally, and yet it was changed just the same...
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I called customer service to obtain information about foreign exchange fees and was advised that they did n't apply to my account prior to traveling to XXXX. When foreign exchange fees appeared on my statement I called customer service again and I was advised that my card holder agreement indicated that foreign exchange fees applied to my account. When I complained about being provided misinformation on my previous call I was told that American Express provides appropriate training to their representatives, however, the cardholder agreement superceeded information that customer service representatives provided. When I initially called I was not offered a copy of my cardholder agreement and I was not advised that the cardholder agreement superceeded information that representatives provide. I was also advised that American Express did not have a customer complaint department and did not have a process to handle customer complaints.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XXXX XXXX my chime checking account and savings account and credit card account got hacked at XXXX I get up for XXXX for work but I got up earlier at XXXX XXXX because I kept getting notifications about my account someone went into my chime account changed my telephone number in my account took all the money I had in my saving account transferring it to my checking to only transfer it to my credit card account and doubt all my money on crypto some company called XXXX XXXX I only found out what the company was called cause I did researched. Then they went back in my checking account and use my overdraft protection on some company called XXXX I immediately called chime and made them aware of the situation I had him freeze my whole chime account until I was able to verify myself. Chime then stated that they couldnt dispute my transactions until they clear so a couple days pass by the transactions cleared my account I call chime to dispute it the put a dispute on both credit card account and checking account the credit card account the said they found a error and gave me my money back the same day I did the dispute for my checking account literally XXXX that afternoon I received a email saying they found no errors occurred when I called the customer service number and spoke with a dispute supervisor he said there was definitely a error occurred and your account was hacked I just looked up the merchant and its a scam and he told me to resubmit my proof all the researching I did and information I had and he would do a rebuttal so they can reopen my dispute claim literally four days later the emailed again saying no error occurred but this is what I dont understand how can they give me the money that was stolen from my credit card account but didnt give me the money that was stolen from my checking account. They found a error on my credit card account but didnt find a error on my checking account Im not understanding. So when contacting chime the guy said that they couldnt help me anymore and they wasnt going to reopen my dispute
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

In XX/XX/XXXX venmo notified me by email that a payment on my account of {$200.00} from XX/XX/XXXX was being disputed. About a week later they froze my account, took my {$60.00} balance and said I can't use my account until I pay them the rest, {$140.00}. After emails and calling many times over the next 2-3 weeks I finally got the name of the person who made this payment to me 4 years ago. I reached out to her per venmos instruction and she told me she did not dispute any payments, nor does she have the same accounts or access to a refund from 4 years ago. Venmo said my dispute was closed and my account would remain frozen until paid in full. They stole my {$60.00}, and are demanding I pay them money that nobody asked for. I have copies of the emails for proof of how poorly they handled this, the last time I called this week they said they couldn't do anything else but reopen my dispute case, but there was nobody that could help me over the phone.
Consumer complaint received 2022-02-25
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. (NY)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-26
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: Block, Inc. (CT)

On XX/XX/24 I placed a takeout food order with XXXX XXXX for {$10.00}. 

I waited at the store for 20 minutes and never got my food. I am XXXX and cant stand for long periods of time. I left. 

I called the store and asked for the manager. He wasnt there. I looked them up online and they had no email address. So I disputed the charge. 

I was told that I needed to contact the merchant and get a written statement that they wouldnt issue a refund. Thats not his Regulation E works. The bank needs to follow the law.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX and Im a consumer/ natural person submitting this complaint on the behalf of myself without any involvement or influence from a third party.

TransUnion committed fraud on my consumer report and I did not consent, nor authorize these unauthorized accounts nor hard inquiries on my report, I demand that TransUnion remove the unauthorized accounts and hard inquiries immediately thats shown in the attachments.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (VA)

I opened a checking and savings account account with Laurel Road in late XXXX XXXX. Since that time, I've added a payroll direct deposit, and started transferring money into this account to use as my primary account. 

This week, I made the final transfer from my previous bank into this account, and expected to log in and start setting up bill pay. 

However, my account access has been locked. 

I spoke with Laurel Road twice today, and the person told me they had no idea why my account has been restricted, they have reached out to another department, but they didn't know how long it would take to resolve. They also said I couldn't contact that department directly. 

So, what is supposed to be my primary bank account is locked for an unknown reason for an undetermined amount of time. 

After doing some research online, and seeing the number of people who have also faced this issue, I figured I would just report to CFPB.