davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

This is my fourth time submitting a complaint about ALLY BANK holding my funds and my account being restricted without having any access to my accounts also Ive noticed a lot of my funds are missing from my account when I check my balances at the XXXX  with both of my debit cards. I am able to check my balances but I cant make any withdrawals or deposits with my card this is so frustrating I cant even sleep most nights Ally Bank has gave me XXXX with having my money being held by financial institutions its been going on a month I have no access to my money and I believe this company is using my funds for other practices because how does my funds keep missing and my account balances keep changing when my account is locked and I have no access to my online banking every time I check my balances at an XXXX  they are different and I dont understand whats going on. Im behind on my bills and I have to take out loans in order to make payments for me and my family a few days has passed where I couldnt even get my children and I any food because all of my money is tied up that I have no access to with ALLY BANK being a major reason. They are holding a majority of my life savings and I feel like a complete XXXX for banking with this company I feel Im being robbed and Im receiving no help from anyone but my attorney at this moment. We are just waiting for court proceedings to start and I will use my complaints submitted here as evidence about whats going on. This bank knows what they are doing and I dont know if they are trying to cover something up but I believe foul play is going on. They mentioned the reason my account being blocked is because of a XXXX payment that I made and I confirmed that I am the one who authorized the transaction and still I have no access to my money. I wont make any more complaints because its getting me nowhere it seems pointless at this point ALLY BANK has to be the worst ever at this point I am so depressed I cant take it anymore I amp helpless Im in defeat but I will keep fighting for whats mine and in the long run I will receive my compensation and even more believe it. God bless
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (FL)

Good afternoon cfpb XXXX lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know XXXX XXXX and I never spoke to anyone about this
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (OH)

I went to withdrawal {$600.00} at a XXXX XXXX XXXX XXXX. I used my chime card. The money got stuck in the XXXX  and I was stuck on a waiting screen for about XXXX minutes. It finalized the withdrawal and gave me a recipe but no money came out. I put in a dispute with chime and they declined it with out even contacting XXXX XXXX. I know this, because I contacted them and there distract manager said chime never contacted them. XXXX then said they cant do nothing until chime does.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (AZ)

On approx XX/XX/XXXX, I logged into my account to do my weekly transfer of ETH which I had previously purchased to my personal hardware wallet. However, this week I was prevented from doing so. The message said that there was some 'strange ' activity on my account and so my transfer was prevented. When I reached out to the support center for help I received an automated message saying that I should undertake several security measures, which I did, including changing my password. When I informed support that I had done this, they said that they would look into the issue and get back to me. However, they never did get back to me. Several days later I submitted a second support ticket, wherein they also said that they would get back with me, but never did. It has now been about XXXX weeks since I tried to withdraw my crypto and I am still unable to, with no explanation as to why. FYI, currently, the amount of crypto that I am unable to withdraw is about {$1600.00}.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

I am REWRITING to XXXX TOYOTA to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXXCTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

I am filing a complaint against Discover Bank regarding an incorrect balance reported on my credit report for the account ending in XXXX. The balance currently listed is {$1700.00}, which does not accurately reflect the true amount I owe. This discrepancy has resulted in inaccuracies in my credit report and may be negatively affecting my credit score. Such erroneous reporting compromises the integrity of my credit history and misrepresents my financial obligations. 

This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they report to credit bureaus. Specifically, under 15 U.S.C. 1681s-2 ( b ), furnishers are obligated to investigate and correct any inaccuracies they have reported to credit bureaus. The incorrect balance listed by Discover Bank not only fails to meet these legal requirements but also undermines my ability to maintain an accurate and fair credit profile.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

I filed a dispute on XX/XX/2024 for three items. The bank denied my entire claim 5 days later on XX/XX/2024. The bank cancelled my debit card and took two weeks to send a new card. However they denied the claims. Two were repeat transactions. They were online charges where a card was not present. The bank could not have investigated these items within five days to make a determination and they also sent no proof as to why they are allowing me to be robbed. I called back to dispute the items again and spoke to a manager who reassured me that the claim was reopened and I would get a provisional credit. The claim was never reopened and no credit was given. I called on a third occasion and another manager reassured me the same thing. I got an email telling me that there was no error from the bank and no money would be returned to me. This bank is allowing me to be robbed and is not protecting my money. I even filed police reports. I feel like this bank just denied everything without doing their job. I WANT MY MONEY BACK. I have no trust in this bank now. I will filed a separate complaint for the other dispute that they denied also.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

I had attempted to use my card 4 times Sunday ( XX/XX/year> ) at XXXX to buy food for my dog. It kept declining. So XXXX did it on their end ( customer service ). 

Today on XX/XX/year> around XXXX I received an alert about a reimbursement, from attempting my card several times on Sunday. XXXX informed me it should return no later then Tuesday My balance looked to be now $ XXXX dollars based on the alert I received from Citi bank text alerts. 
I clicked in to see what exact amount was to make sure everything was accurate and the online banking app told me that I needed to put in my updated password. Which I updated on Saturday. They then asked for my pin ( atm ), act #, & my new card #. I was confused, but I complied. Once I put it in, it said it was wrong and after 3 attempts I will be locked out indefinitely. So I attempted twice and called the number after the second fail that was displayed above. 

I spoke to a woman who asked for all my information but then told me I wont receive a reason why until I get a letter in the mail within 30-60 business days. Unfortunately thats all I can tell you. I asked what about the money I have in there, I need to buy groceries and pay rent? She claimed that there was nothing else she could do and that Ill need to come up to the bank to receive my check of whats left in my account. I told her I dont know whats all in my account. How can I be sure youd all give me back my things also why are you even blocking my account. This doesnt make sense?? She said again thats all she can say. I told her I want to speak to a manager. She gave me to a supervisor who in fact kept apologizing but gave no solution and said a letter will be received with 5-7. I said she told me 30-60 and I live in Ohio now XXXX I was in XXXX XXXX XXXX XXXXXXXX. There is no Citi bank here. He then said that then Id have to wait 30-60 business days to receive a check in the mail. 

There was no clear indication to why everything went the way it did, I have no money for home essentials and lively hood and I dont trust that the bank will give me all my money. Everything sounds fishy and unsecured. And Im not happy and broke. I told them what if this was my last?
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac states it takes UP TO 60 days to process an assumable loan. It has taken 94 days to date. 

The loan was scheduled to fund XX/XX/year>. Now the loan won't be funded for another 5 days post closing. 

Calls after calls.. no answers .. no resolution. 

Their customer service department either places me on extended hold and returns with a scripted answer, or hangs up. 

I have asked for supervisors multiple times, but get handed off to coworkers. 

The names given are unreachable. 

The funding department has no contact information. 

The Title company unable to reach the people who send emails. 

I am unable to reach the 'loan officer ' XXXX XXXX XXXX .. XXXX No one ever answers that phone.. there is no voice that comes on identifying the number as PennyMac. The recording has no identifying information. 

The Assumption Department ( XXXX ) XXXX .. just answers the phone and brushes me off with scripted answers. 

I did NOT choose PennyMac to be my loan service provider. They purchased my loan from who I set up my initial mortgage through. 

I would NEVER choose PennyMac as a mortgage company.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

Wayfair store credit card info was breached online. Increase in credit line requested without my permission. Became aware when received text that furniture was being delivered to Florida Address/I live in NY. Called Wayfair to enter dispute over {$5000.00} worth of fraudulent charges. Cancelled credit card. I Am still receiving texts RE : furniture being delivered to Florida address. I feel that this has not been resolved. Am a victim of identity theft. Phone service hacked along with XXXX XXXX XXXXXXXX Credit card. Police report also filed.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I was made aware that Citi was closing my checking account on XX/XX/year>. I went to access my account to pay my bills and was could not access my account or view any of my detail- and called customer service to find out that they were closing my account. They would not tell me why - or when I would receive my funds. I still can not access my funds today. 

On XXXX, I called again and received the same response over the phone. I then visited the branch and was told that my account was frozen and in the process of being closed because it was flagged for fraudulent activity. When the banker reviewed my transactions, he showed me the transaction that was flagged. It was a deposit to my brokerage company XXXX for $ XXXX. 

The banker then called the internal fraud and risk department to try and have the issue resolved and release my funds. He was told that that was not possible and that I would have to wait up to 60 days for Citi to close my account and then I would receive a check for the amount of money in the account shortly after. 

I told them that I needed access to my money to pay my bills and rent but was told that there was nothing they could do.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.
Consumer complaint received 2024-08-13
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: Credit Karma (WI)

Credit karma refuses to explain the policy of its net worth tool I want to link my home address to my mortgage with usda XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX and XXXX  Credit karma will not let me link my mortgage to my address because XXXX does not have the account on the credit report. 
XXXX XXXX XXXX  isn't reporting to XXXX because they don't have a contract. 
With XXXX.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I bought an XXXX XXXX from XXXX. On XX/XX/XXXX, just 2 days later, PayPal charged my bank account $ XXXX, from XXXX XXXX. On XX/XX/XXXX my bank account was charged over {$66.00} by PayPal from XXXX XXXX. Then, on the XXXX of each month I had a reoccurring charges of {$11.00} to my bank account by PayPal from XXXX XXXX, total of {$140.00}. I never dealt with XXXX XXXX nor gave XXXX XXXX my PayPal account. In the beginning of XXXX, XXXX, I filed dispute with PayPal over those charges. On XX/XX/XXXX, I've received an email from PayPal, stating, that my dispute was closed, based on the tracking number from merchant confirming that merchandise was received. When I called PayPal in regards of their statement, I was told it's an automatically generated message and reason for closing my dispute wasn't given to me.
Consumer complaint received 2024-08-13
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: DISCOVER BANK (AL)

I am a victim of fraud identity theft. I have filed a police report with local authorities. Dicover bank or discover card has said I have opened an account XX/XX/2018 and charges made of XXXX. I have sent my police report to all three credit bureau and discover card twice now disputing these charges. The company discover card is not helping me resolve these issues. I have hardly any information about this account. Where was the bill going all this time and years? Why am I just now seeing this bill at my house? The local county investigator has been contacting me about the crime thats been committed against me. This is not my debt and I have never had a dicover card ever in my life and my credit has been great for 30 plus years!
Consumer complaint received 2024-08-13
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: Kikoff Inc. (LA)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I have not authorized ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX is not reporting correctly. This is on a payroll deduction which means it is automatically paid. They are not reporting it correctly the payment amount is not correct nor is the payment history they are showing no payments for XXXX. Experian is violating 42 U.S.C. Section 666 I Only after such parent has been afforded all due process required under state law, including notice and a reasonable opportunity to contest the accuracy of such information. This is having an effect on my credit as not reporting consistent payments, please see attached pay statement which shows payroll deduction which proves payments are made consistently.
Consumer complaint received 2024-08-12
Product: Credit reporting 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: EQUIFAX, INC. (GA)

I call XXXX on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX  format any photos or upload in XXXX  format This is a stall tactic.
Consumer complaint received 2021-04-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: First Advantage LNS Inc. (VA)

National credit audit corporation XXXX XXXX Tx XXXX Has placed a collection on my credit report for the sum of {$2900.00} this debt is not mine and this is an error placed on My credit report I have disputed this account with all three major credit bureaus XXXX and XXXX have removed it but it remain on my XXXX credit report. I have also reached out to national credit audit corporation with two letters explaining this that is not mine they continue to send me letters with a computer signature
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (PA)

I am writing to express my deep frustration and disappointment with the repeated presence of inaccurate and unrecognized negative accounts on my credit report. Despite multiple disputes and numerous attempts to resolve this issue, these erroneous entries continue to tarnish my credit profile.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I was pursuing the purchase of a brand new XXXX XXXXXXXX XXXX XXXX sport. I was told to wire the money from my State Employees Credit Union of North Carolina to XXXX XXXX XXXX in Maryland. This occurred and I was supposed to receive my XXXX on Monday XXXX the XXXX. Unfortunately, it's not arrived and all means of contact have been eliminated. Thus it's an obvious cade of fraud. Unfortunately I'm out almost {$10000.00} I'm trying to recover my money but no one seems to want to offer support. I've reported it to both banks, sought help with both banks and I've gotten nowhere. I've also contacted the XXXX XXXX Sheriffs Office and filed a policy report, but again I'm no closer to getting my money back. I'm seeking support.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.