davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

In early XX/XX/XXXX I sold and paid off my home. My mortgage lender was Shellpoint and their third party administrator ( TPA ) was Newrez. I called the mortgage lending section of Shellpoint, advised the representative that they did not list my mortgage as closed, appears on credit report that I have an {$89000.00} credit, with Shellpoint, though there was a {$0.00} balance. I advised that they must list the loan as closed or the Credit Bureaus will assume the account was still open. The Representative advised they no longer report on my account and they reported a {$0.00} balance. I was then put on hold for several minutes, and when Rep. came back to line, she advised must send a letter to Shellpoint at XXXX XXXX XXXX XXXX XXXX XXXX, and I MUST include a copy of the credit reports. I was not happy with this information, and their unwillingness to correct their mistake, without my submission of my credit reports. As a creditor, per XXXX XXXX, Shellpoint would only need to submit a creditor correction, which requires very little effort on their part. I have filed a dispute with the Credit Bureaus and they are submitting to Shellpoint on my behalf. I am filing this with the CFPB, as I know Shellpoint has done this to Others, to whom I have talked with, just in some casual conversations. Due to divorce, my Ex-husband and I had to file bankruptcy in XXXX. Shellpoint assumes less than favorable loans and MANY of those individuals Do Not understand how this type situation and others can greatly effect a credit score. I was told that Shellpoint would review my submitted information and THEY would decide if they would take corrective action. Rep. advised it would be XXXX to XXXX  days for review and decision. My credit report with XXXX has the status as paid or paying as Agreement and other Credit Bureaus having no Status of Account only left Blank. 
Is there any way the CFPB could require Creditors to input CLOSED beside the Account Status when an Account is Closed. XXXX advised that the Accout Status listed as Paid or Paying as Agreement is considered an Open account. Please assist with this Creditor and ALL reporting to the Credit Bureaus.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (NC)

I took a small loan from MoneyLion. As I pay back, I've earned something called XXXX. Right now, I'm eligible for {$250.00}. I need to add my debit card that's also associated with my checking account, which they already have. Every time I try to add my debit card to the My Wallet feature, I get a message saying that my bank is declining my debit card. They are not. They've relaxed my card & put a merchant release on it as well. They keep suggesting getting another debit card ( my bank will not issue me a second card for the same account ) or open their XXXX XXXX accounts & do direct deposit with them. I have been with my bank for XXXX XXXX & not about to change it. There was one day last week where my card was accepted. The next step was to upload a photo ID & when I did, they said I needed to do it again. But ... ..my debit card had to be deleted from My Wallet & entered all over again. Guess what? Back to square one. This whole thing is like dangling a carrot in front of a horse but not letting the horse have it. There's {$250.00} I'm able to have but unable to access. There has been one person there who has been trying to help me, but I'm at my wit 's end. I'm paying the loan, they're charging me a monthly fee but unable to add my debit card to my account..
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

At XXXXXXXX XXXX on XXXX XX/XX/2024 I received an email from Chime asking me to " finish signing up '' for their financial services. This was the first time I had ever heard of the company. 24 hours later I received an email with the subject line : " your account is still waiting. '' When I attempted to reach Chime I was directed by the phone tree to verify myself by uploading a copy of my state issued ID (!!!!!! ). This is at the least a misleading practice, and it is my opinion that it is fraudulent.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

This is my formal complaint to THD-CBNA. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (NY)

The company " North Lane '' ( does business and redirects to the website for " XXXX '' ) is an authorized vendor for XXXX. XXXX uses them to distribute warranty refunds -- in my case a brand new air conditioner failed and XXXX was unable to replace it. This is an old case that started in late XXXX, XXXX delayed until early XXXX ( when they advised me that the " card was on its way to me ), and then came XXXX. When we returned to NY in XXXX, North Lane advised that they would send out a new card - but never did. Their current response is that they received the {$570.00} from XXXX but because I didn't use the funds within 90 days, the entire amount was forfeited. They can't provide me with a date that they sent a card or any such terms and I certainly never accepted such terms. They can't even get their story straight as to whether the card was sent by mail or virtually ( in the past, they said it would be by mail, more recently they say it's done virtually, The agent I spoke to today " XXXX '' says that my complaint was escalated to his superiors and again since I did not use the funds within 90 days, I forfeited them completely. He completely ignored my protestations that I never agreed to or was even presented with those conditions. I hope you can help me, I was ripped off.
Consumer complaint received 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I filed complaints XXXX relating to closed Serve accounts. In those complaints I requested a final accounting of funds deposited to this account. I was not provided that accounting and the check provided upon closure of the account was {$300.00} less than the amount that should have been in the account. Because the account has been locked, I have no access to this information. 

Please direct Serve to provide a full accounting so that I may pursue this matter further with state banking authorities.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/year>, XXXX allowed someone to impersonate me over the phone and lift the freeze on my credit. This allowed them to apply for a credit card in my name, despite me already providing all my identity theft information to XXXX. When I called the same day to check on a dispute I had placed, I discovered that another inquiry had been added to my credit report. I was puzzled as to how this could happen with my credit freeze in place. The representative informed me that the freeze was lifted because someone called in and provided my information. I expressed my confusion, especially since I had a theft report on file. The representative then told me that even with the theft report on file, they had no secure method to verify if the person had my information. I explained that it was a case of identity theft, but they responded by saying that they had no way to add an extra layer of protection to my account. This means that if someone calls in pretending to be me, there is no way to safeguard my account. XXXX did not protect my information they allowed the person acting like me to call in and lift my freeze
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I open an bank 2 week at td bank. I use zelle and wire transfer and cashapp. Now they want to close my account. When i go to bank to withdraw all my money. They told me that money doesnt come out from those account.
Consumer complaint received 2024-07-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc. (NC)

XXXX XXXX XXXX  and beyond financial violated the fair credit reporting act. For 13 months they have been they have been reporting to the credit bureaus XXXX is XXXX percent interest rate and the loan Installment agreement is XXXX percent interest rate. They reported wrong information on the amount of money it's different from the installment agreement signed on XX/XX/year> and XX/XX/year>. Loan Installment agreement is XXXX they have reported to all three credit bureaus XXXX. I never signed another Installment agreement with the change. On one loan they claimed they settled with XXXX XXXX XXXX on the XXXX credit report it is different listed as a charge of Bad credit purchased by another lender. They reported wrong information to all three credit bureau. I've paid to date XXXX dollars and my monthly payment is XXXX XXXX XXXX  and beyond financial reported wrong information to the credit bureau . They did not provide the service they claimed. Accurate account and settlements with all lenders reported on the three credit bureau
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (OH)

Credit corp solutions have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent two update letters to TransUnion, XXXX, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Hi I opened a chase account to deposit my XXXX XXXX XXXX XXXX  after I deposited my 2 settlement checks into my checking account the total amount cleared was XXXXXXXX XXXX  into my checking account. Ive also opened a savings account and deposited my second check in the amount of XXXXXXXX XXXX and was told that the money should clear within 3 days. I opened my checking account on Monday XX/XX/year>. After spending nearly the XXXX XXXX  in my account I was contacted by Chase via email that the funds in my account has been returned by sender. My checking account was then negative XXXXXXXX XXXX that they cleared for me to have. And they took thee XXXX that I had in my savings account as well. Upon speaking to my lawyer she had contacted the attorney of the dentist that provided me a settlement check to see if they can make another deposit of a cashiers check to put my funds back into my account. By wendsay XX/XX/year> the dentist made a cashiers check out to me that cleared one again and all of my funds where back into my account. By XX/XX/XXXX I was making XXXX payment to my grandmother that was flagged for fraud and they closed my account for fraudulent reasons when a cashier check had just been deposited into my account prior before. I have called chase multiple times and yet no response as to if Im getting the remaining balance in my account. I have been told multiple times that they have closed my account and I will not receive the funds that are rightfully mine. Chase has made a mistake and closed my account for no reason at all.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I had XXXX $ XXXX from my account from an out of town ATM filed a dispute immediately next day hit with a denial filed a rebuttal and provided proof and still denied then XX/XX/XXXX I had XXXX $ stolen from my account
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I have received an email stating that my XXXX card was used without my approval, indicating that my identity was stolen. I contacted XXXX shortly after the unauthorized transaction and informed them that it wasn't me. XXXX informed me that they could not stop the charge and would not block my card. At that time, a {$200.00} transaction was made, followed by another transaction of {$700.00}. Despite my appeals, they refused to help. As a result, my credit has suffered, and my card is maxed out. Every time I call XXXX to request help with the fraud, they tell me that I will receive information in the mail, and imply that there is nothing they can do. However, I know my rights protect me, and I have yet to receive a refund, have my card canceled, or receive any correspondence from them. Ive reported the identity theft to the FTC with reference number XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On or around XXXX XXXX I tried to use my Citi card for an online car rental reservation which led to a Fraud Alert call. Apparently the card was being flagged as it was being added to an XXXX XXXX, something I had not tried to do. As a result that card was cancelled and a new one was issued per the representative I spoke with. I left out of the country on the XXXX and returned home Sunday XXXX XXXX. 

On the XXXX I received a fraud alert call which led us to learn that my replacement card I never received was being used. I dedicated XXXX hours between XXXX and XXXX that night to assist with marking all the charges as fraudulent and to ensure the card was cancelled. Due to the amount of time spent on the call I was informed I would have a new card delivered to my home via FedEx as well as a gift card of {$100.00} for my time. 

Yesterday, XXXX XXXX, I receive another call at XXXX from a " supervisor '' advising that apart from the transactions addressed the evening before, there was also balance transfers attempted and also needed to be marked as fraudulent. I provided all the required authorization and the representative claimed he would take care of it and reach out in case of any further questions. This after receiving poor treatment from the representative ( recorded call - pull tapes if desired ). 

Today is the XXXX and received yet another call to learn that the card that was flagged as fraudelent 2 days ago remains active and that new charges were made using that card. This makes me wonder the integrity in which my account is being handled by Citi seeing as the card should have been cancelled the moment I confirmed the first fraudulent card. When asked today where to send the replacement card, I also raised the flag with them considering the " replacement '' was meant to be on its way 2 days ago and wonder now if/when I might receive that one. As a result, I opted out on having them send a replacement card today and went ahead and requested my account be permanently closed since I can not trust Citi is a right fit for my financial needs due to their mishandling of my case as well as mishandling my time which is of more value.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

This company is reporting a debt/account on my credit report that I'm not financially responsible for and doesn't belong to me.FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' Business information is not personal consumer information under the FCRA .I was merely an occupant at this address. Per the lease agreement which has in paragraph 30 the following " Each resident is jointly and severally liable for all lease obligations. '' If you look at each page of this lease you will see the sole and only resident listed is the entity XXXX XXXX XXXX XXXX XXXX. No where on this lease does it state me XXXX XXXX is a resident nor that I'm personally responsible for the financial obligations of this lease. This collection account being reported on any of my personal credit reports is a violation of the fair credit reporting act and I fully intend to file a lawsuit if it is not immediately removed each of my personal credit reports.
Consumer complaint received 2023-09-20
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. (AL)

I checked again 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX* HERITAGESCCU 9/10/2021 SYNCB/TJX DC 11/13/2021 SYNCB/TJX CO 11/13/2021
Consumer complaint received 2024-07-25
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: BANCO POPULAR DE PUERTO RICO (PR)

This wheels holding account was always paid on the XXXX Wednesday of each month, the creditor was informed to avoid marks on my credit and apparently they did not attend to my request, I am a XXXX pension from social security. I recognize that there have been some delays due to health conditions of mine and my spouse. Also in XXXX XXXX, a hurricane affected us in XXXX, which left me without basic services such as electricity for 100 days and because of that, some expenses had to be incurred. unforeseen to be able to keep my medical equipment working, which I depend on to be able to sleep, I want those late payment marks removed so that my credit score goes up and I do not appear as a delinquent debtor, since I have to buy a new vehicle and thus have a better interest in financing.I also called customer service to schedule the payment and the customer service staff who assisted me were told the date of payment, which would be the XXXX Wednesday of the month, and they did so on the XXXX Wednesday of the month, therefore, a late payment and also a mark for sending the payment of an account without funds, for these reasons my credit has been affected and due to this inconvenience it is becoming difficult for me to obtain credit
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (VA)

Specialized Loan Servicing reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my XXXX XXXX. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX  payments from my financial institution? I logged into XXXX to see if the same false report was in their system, and XXXX system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen XXXX XXXX restored and the years of damage to my XXXX XXXX restored as a on-time paying homeowner since Specialized Loan Serving acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX Bank reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by Specialized Loan Serving, LLC. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXXXXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.