davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (MD)

XXXX XXXX XXXX XXXX XX/XX/XXXX. Within question pertaining to account in default setting seeking transfer on Financial Credits still attached to the account linked with automobile. Upon diplomatic means of discussing matter with my contract and account with XXXX XXXX XXXX to inform them that the interest request from my behalf back to them to be applicable to the account. With much hostility received from XXXX XXXX XXXX a heaviness of willingness to misinform with the grounds of the contractual agreement between. Lack of understanding towards the security interest giving back to the XXXX XXXX XXXX to handle all debt related. I have reached out to XXXX XXXX Serviced to only be handle with for less then my Capacity to engage in contracting. A down payment in cash was supplied to Global lending services on the date of signing XX/XX/XXXX XXXX the contract required cash or credit upon further investigation it wasnt required. XXXX XXXX other fees in total XXXX. None the less the is a direct violation to contract XXXX as very much so. I still would do business with XXXX XXXX XXXX in XXXX with in the ground of our obligation to the account in XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX, XXXX XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXXXXXX XXXX ), ( XXXX XXXX ) ( XXXX XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

At The End Of XX/XX/2023 I Did A Blance Transfer With Citi Bank. Iv Been Paying More Then Minimum Balance Then In XXXX Citi Bank Offered Me A Flex Loan To Pay Off Some Of My Debt I'm Think Great I Can Pay Off My Balance Transfer And Others.Well I Received The Loan And Paid Off A Credit Card And My Balance Transfer I Paid Over {$2000.00} Toward My Balance Transfer Or So I Thought Citi Bank Took The {$2000.00} And Put It Toward My Flex Loan WHY I Paid The Balance Transfer!! Now They're Tell Me All Money I Pay Will Toward The Flex Loan Which I'm Supposed To Pay {$170.00} Per Month If Our Agreement Is For Me To Pay {$170.00} A Month The Why Take All The Money For The Flex Loan THEN To Add Insult To They Told Me I Can't Pay Anything Toward The Balance Transfer And When The Balance Transfer Date Is Up I Will Accumulate 29.99 % Intrest Untill My Flex Loan Is Paid Which Will Cause Servere Finacial Hardship 1 ) Why Wasn't I Told This Up Front 2 ) Why If I Pay My Flex Loan Monthly Bill CAN'T I Pay Toward My Balance Transfer It's A Shame Citi Bank Would Do This Knowing It Would Put Me At A Disadvantage And I Would Never Be Able To Pay My Balance Transfer Until The Flex Loan Is Paid And I Would Accumulation High Rate I Could Never Get Out From Under Like XXXX XXXX Did Citi Bank Did Not Deal In Good Faith
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX 2022 to XXXX, Transunion, and XXXX despite violating the aforementioned statutes.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citibank froze my account at some point on XXXX. This hindered me from placing trades before the market closed, and these restrictions currently still prevent me from placing trades. Im dealing with losses of thousands of dollars at this point, and with no end in sight, as they refuse to help or answer questions. I might lose even more, so much so that I might end up indebted to Citi, as I utilized some margin. They refuse to even trade on my behalf, and I mean refusal to cover/close the previously mentioned positions versus not opening/initiating new positions.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XXXX XXXX, 2024, USAA, withdrew {$40.00}, dollars, from my checking account, from XXXX XXXX XXXX, l. I did not ask USAA, to make such a withdrawal. XXXX XXXX XXXX, provided this Reference Number for reference # XXXX. USAA, informed me they did not make this request, I believe this is a continuation of a ongoing problem with someone manipulating my banking account with USAA.
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: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MS)

XX/XX/XXXX Venmo put a suspension on my Venmo account with {$2500.00} on it with my whole work check after I had tried to transfer the money out of the account because I was waiting on my new Venmo card to come in I dont have a {$1.00} to my name me and my kids havent since XX/XX/XXXX and today is XXXX and my lights just got turned off today Ive been calling and all of the representatives saying they cant do anything about it its up to the account specialist to handle the freeze on my account I cant move or use any of my money on it and they are saying the account specialist only able to use email and dont have a direct phone number they emailed me to send verification of drivers license I sent that then they come back and ask me for a 90 day statement to a prepaid chime card with the last 4 of the card number on it but the account is 3-4 years old and has been closed so I didnt have a 90 day statement they keep saying it take 3-5 days to get the problem resolved and its passed 3 business days and I still havent gotten a email response and their excuse is they are working on other customers accounts also
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

On XX/XX/year>2024 XXXX XXXX took me to court for amounts owed. The XXXX ruled against them stating I owed less due to proof I shied to the XXXX. The collection department and XXXX XXXX  are not honoring what the XXXX of XXXX XXXX ordered I should pay. When I contacted the collection department to start paying, they stated I owe more. I have documentation from the XXXX of his ruling which is court binding.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

I had a business bank account with US Bank. The checking account was closed by the bank, but the balance remaining in my account was never returned to my company. I have been requesting the funds for over a month and no banker has been able to give me an answer as to when the funds will be released to my company from the closed account. Each banker that I have spoken to has either left me on hold or just simply hung up on me. The amount owed to me is just over {$2000.00} which my company needs to pay its overhead. The business account has been closed for over a month now and with each day that passes no XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX can let me know when the funds from the closed account will be returned to my business.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I never had a contract with this debt collector for any debt. On XX/XX/year>, I requested a debt validation letter, but the collection agency never sent me the debt validation letter. 

The debt collector has failed to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
XXXX that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please have this collection deleted after the investigation is completed.
Consumer complaint received 2024-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

I disputed all transactions made by by 2 companies.

First company-XXXX  because they were not mad
e by me. All transactions occurred in a 1.5 week timeframe. Chime app only allows 5 transactions to be disputed in one claim so I chose the ones that had the most charge ( total claim charge : {$490.00} ) and gave them a call to dispute the second claim ( {$220.00} ). While Chime approves the 2nd claim of {$220.00}, they deny the first claim of {$490.00}. 
Second company-XXXX, they deny all my transactions I disputed but approve 1 transaction of {$21.00} I am definitely mind blown on how how chime does their investigation. But they decided to close my account without properly investigating my disputes. I gave them a call yesterday XX/XX/year> and told them I wanted to reopen the disputes again and was told that " it is still under investigation & I would receive a temporary credit on/before XX/XX/year> '' when I CLEARLY received an email stating my claims were DENIED & that my account will close on XX/XX/year>. 
Definitely speechless about my situation as I am losing almost XXXX XXXX due to lousy workers who are dealing with peoples finances
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

{$3000.00} debt to TRANSWORLD SYSTEMS INC. 
Opened XX/XX/XXXX debt ref # XXXX I never received any type of debt collection notice to any of my valid addresses from then to now. The debt was never verified with me nor the collection agencies. I only found out after independently checking my credit report. 

After digging around, found an XXXX XXXX account fraudulently opened since XXXX at XXXX XXXX XXXX. XXXX MD. I've never lived in MD or have any association with anyone in that area. I also have never held an XXXX mobile account. 

I had already reported identity theft due to the leak from the credit bureau from years ago and a previous attempt at fraud.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have no idea who you are. I made several payments to XXXX XXXX - paid what I could each month because of lost job. They Charged it off anyway. I owe you nothing - your agreement is between XXXX XXXX and your illegal debt collecting company. Please leave me along.. # XXXX XXXX I refuse to pay the debt you bought from from XXXX XXXX which went to a charge off on my credit report. That I could have resolved on time if XXXX XXXX  would have allowed me to pay it off.
Consumer complaint received 2024-09-04
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: American Credit Acceptance, LLC (MD)

I have a car loan that is supposed to end on XX/XX/XXXX I pay online using American Credit Acceptance 's ( ACA ) website, through their SpeedPay option. On XX/XX/XXXX, I made a future payment to go live on XX/XX/XXXX of {$250.00}, the number stated on the site at time of pay. I see a " Convenience Fee '' of {$5.00} but nothing else, just the payment amount of XXXX, which totals {$250.00}. 

When I submitted this future payment, I see on the next page " On XX/XX/XXXX, your account will be current and your next due date will be XX/XX/XXXX. Your total due including fees will be XXXX ''. My loan is current and set to end onXX/XX/XXXX I called ACA to ask why I am getting an XXXX date and upon looking at my account, apparently I have fees hiding of roughly {$40.00} that was *not* presented at all when it was time to pay. The people on the phone keep saying it's a mistake in their system and glitch- but I'm still expected to pay this hidden fee or never get my title. I have screenshots of my payments and the fact that this hidden {$40.00} did not show up at all - I had to look for it.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (TX)

THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/XXXX, WHEN MY LOAN WAS TRANSFERED. I'M ACCUSED OF BEING LATE ALMOST EVERY MONTH. I USE THE CHAT OPTION TO " TRY '' TO TAKE CARE OF THESE ISSUES BUT THAT OPTION HAS BEEN TAKEN AWAY FROM ME BECAUSE CROSS COUNTRY MORTGAGE IS ACCUSING ME OF BEING LATE " AGAIN ''. I CAN'T EVEN PAY MY LOAN PORTION BECAUSE OF THIS. MY HOUSING AUTHORITY PAID IN XXXX FOR XXXX AND IN XXXX FOR XXXX BUT NOT ACCORDING TO CCM. I CHATTED WITH AN AGENT ON XX/XX/XXXX AND SHE SAID SHE WOULD AND THAT SHE DID FIX THE PROBLEM. NOPE, SHE DIDN'T. I GOT A STATEMENT FROM CCM SAYING I'M 30 DAYS LATE. THAT'S WHAT IT SAYS NOW ON THEIR WEBSITE. MY HOUSING AUTHORITY PAYS A PORTION AND I PAY A PORTION. APPARENTLY, CCM IS NOT POSTING PAYMENTS FROM MY HOUSING AUTHORITY IN A TIMELY FASHION, THEREFORE, ACCUSING ME OF BEING LATE. AS OF NOW, I CAN'T PAY MY PORTION AND TODAY 'S THE XXXX. I CAN'T CONTINUE TO DEAL WITH THE STRESS OF THIS BS AND IT NEEDS TO STOP OR I WILL SEEK LEGAL ACTION. I'M XXXX AND A XXXX XXXX XXXX I DO NOT NEED NOR DO I WANT THIS UNDUE STRESS!
Consumer complaint received 2016-04-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

I have had a PayPal credit account for a number of years. I 've never had any issue with it until its recent departure from eBay. Since then, it has been impossible to maintain my account as my automatic payments from my checking account do not show up when I login to check my balance. All I can see are payments I 've made directly from PayPal. I recently changed bank accounts and made multiple attempts to change it on PayPal for a {$99.00} payment due on XXXX XXXX. Every attempt was met with a error notice. I finally contacted PayPal and waited on the phone for 25 minutes before being able to speak to someone. It was then I was told the acct was 31 days past due. At no time when I logged in before XX/XX/XXXX was there any indication the acct was past due, only a due date of XX/XX/XXXX. Payments of {$55.00} had been made every two weeks via auto payment for months. In fact, I had made a a payment from my checking of {$100.00} payment in XX/XX/XXXX and when I called PayPal in XX/XX/XXXX they had no record of it. Paypal is making maintaining accts impossible as there is no complete record of payments received and payments due.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX To Whom it Concerns, I am writing to file a formal complaint against US Bank regarding a series of fraudulent transactions on my checking account from my wife 's debit card. Despite initially rectifying the fraudulent transactions, the bank subsequently withdrew the reimbursement, leaving us with a significant financial loss. 

The details of the issue are as follows : XXXX. XXXX XXXX : - After my wife 's trip to Florida, her debit card was used for unauthorized transactions on XXXX. These transactions did not go through our XXXX account, which remains uncompromised. 

- The fraudulent activities resulted in losses exceeding {$2400.00}. 
- Despite the bank allowing these transactions, they failed to detect the fraudulent activity. 

XXXX. XXXX and XXXX Bank Response : - We discovered the fraud when our account went into a negative balance. 
- I promptly reported the issue to US Bank, and they initially returned the stolen funds. 

XXXX. Reversal of Reimbursed Funds : - Over a month later, the bank withdrew the reimbursed amount, claiming that the issue was with XXXX and that we needed to address it with them directly. They did not send any formal notification to my residence concerning their findings. 
- US Bank advised that the unauthorized transactions were made using the debit card number entered online. 

XXXX. Further Actions Taken : - A police report has been filed with the XXXX XXXX Police XXXX, report number XXXX. 
- Police Station Address : XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX - Phone Number : XXXX XXXX. Evidence : - I have attached a detailed comparison of the transactions from my bank account against those from my XXXX account, clearly indicating which transactions are valid and which are fraudulent. 

The table of transactions provided shows clear discrepancies, proving that the fraudulent transactions did not originate from our XXXX account ( available upon request : These transactions were outside of our control and approval, proving that the details provided by US Bank were accurate regarding the online entry of the debit card information, yet the responsibility lies with them to secure our funds. 

Given the situation and evidence presented, I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against US Bank. Their refusal to take responsibility and their dismissal of the evident fraud have caused us financial and emotional stress. 

I appreciate your prompt attention to this matter and await your response. If further information is required, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely,