davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

We had someone hack into our bank account and put his phone number in to have verification codes sent to his phone when he transferred XXXX out of our account in XXXX different transactions. As soon as we received notice that there were transfers I called the bank and also forward the note to our banker- it said at that time the transfers were pending. They didn't stop them and let them go thru - telling us they have to contact the banks where the money went to get it sent back. 
transactions : XXXX and {$7000.00}. After the first XXXX transfers I was told to change our bank account - user name and password - I went to the bank and did that - 2 days later wire transfer application set up under new account number - called the bank and sent info to our local banker - next day XXXX comes out it says pending. they did return the XXXX and XXXX - but we can't get them to pay us back the XXXX because they said the bank it went to won't return it. Why do we lose that money because they didn't protect us. What is the insurance for that we are suspose to have on our accounts. We closed all the accounts with XXXX exception for that bank and opened new accounts in different banks.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

When released from the hospital I noticed there were many unauthorized transactions equaling to the amount of XXXX. I filed a police report and called my bank to start a dispute. No less than XXXX hours it came back as the investigation denied! I provided them with the police report as well as hospital paper work, showing that the charges could not have been me! This is negligent and unacceptable! I work hard for my money and would like to be issued my funds back immediately as I provided the proper paper work asked and I never received the investigation Information before I take legal action.
Consumer complaint received 2024-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My loan service provider is Nelnet. The system is supposed to allow me to pay beyond the minimum and get ahead on payments. However, regardless of how much I pay they never advanced my due date by more than a month. I have called customer support several times, but they never resolve the issue or change my payment dates. Nelnet does not respond to emails or officially filed complaints.
Consumer complaint received 2024-07-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My government benefits were stolen and used before i ever recieved and activated my card. When I recite my card there was a balance of XXXX dollars and my government benefits were gone. I called Bank of America for over a year to resolve this matter and all they continue to do is deny my claim even when I supported them with verifiable documents to support my claim
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (FL)

SoFi bank closed my saving account on XXXX XXXX. They stated it was because I had a negative deposit for XXXX day. I called in because I knew I would be receiving a direct deposit soon. I informed them of this before they restricted my account. On XX/XX/XXXX I received a direct deposit and they are holding my funds because of dispute that was made XXXX months ago. I have been calling in since last XXXX making it a XXXX and they have literally been giving me the run around. Telling me the dispute is under investigation and theyll send a check once done. I request for them to close dispute and they have yet to do so.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

I opened a new high yield online saving account with Synchrony bank in XX/XX/year>. Then I transferred some funds to it from my other bank account. When I tried to transfer $ XXXX to my brokerage account in XX/XX/year>, Synchrony bank froze my funds with no reason. I called customer service XXXX times within XXXX weeks but they were unable to remove restrictions. I can not close this account and transfer out all my money either. There was no explanation or solutions from Synchrony bank. They kept saying its under review and not sure how long it will take. Synchrony bank makes it impossible to access your own money.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (RI)

The credit card that payment processor venmo issues will allow their new client to run up the full amount of the credit card, but if a client tries to pay that balance in full before 6 months they withhold the payment for 15 days. they took the money out of my bank account on XX/XX/XXXX and will not be updating my available credit until XX/XX/XXXX. I dont understand how a credit card company is able to penalize their clients for wanting to pay off the balance in full to avoid interest. the name on my credit card is an exact match to the name & ssn on my bank account. so essentially if i use their card to capacity every month for the first 6 month ( because it has a cash back feature ) & pay it in full they can hold my money for 15 days. sounds highly unethical if not illegal.
Consumer complaint received 2024-07-16
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: SYNCHRONY FINANCIAL (FL)

I purchased a pressure washer from a seller in XXXX on XX/XX/year> and used XXXX and XXXX XXXX to pay for the item. However, I never actually received the item. The seller provided a tracking number from the XXXX XXXX XXXX showing the item was delivered to XXXX XXXX XXXX, which is my zip code, but I never received the item at my house. I checked the XXXX website since XXXX would be the final delivery partner, and their website show no status is available for Tracking # XXXX. XXXX denied my claim for their " transaction protection warranty '' because the seller did provide a tracking number -- this is infuriating that XXXX would side with the merchant without actual proof of delivery like a picture, or a signature. I feel this is a scam from the XXXX company that knows that they can simply show a status of delivered, and they know XXXX will side with them. I have found references to this scam in several websites online.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

This spans back to complaint XXXXthat was filed back on XX/XX/year> where I contacted the first debt collector that Affirm XXXX XXXX XXXX. The only response I received from this was that Affirm was investigating the dispute, and would notify me by my preferred method of contact once the dispute had been resolved. Well I never heard anything from Affirm instead I get that they sold the debt to another collector by the name of XXXX. I have not contacted them yet but will tomorrow XX/XX/year>. I am very frustrated this debt is not mine I did not purchase anything from Affirm Inc . But now the debt has went from XXXX with account number ending in XXXX to the new amount sent to XXXX with the amount of XXXX with the account number now ending in XXXX the debt was purchased under an address that we have lived there in almost a year. And this statement only has that address listed on it XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. I am not paying for a debt that I never made.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

Again XXXX XXXX from American express has sent me another letter blatantly explaining how they denied my credit application due to the reasons specified in the previous correspondence they sent out. In that correspondence it states that i was denied because of a XXXX score. of course this corporation tried to cover it up by not allowing me to access the credit denial letter on their site, but good thing i already have them saved on my computer. Once again the corporation is being non compliant and using sneaky tactics to cover up what is right and wrong. he stated in the letter that they abide by all applicable laws and so forth but nowhere in the law can an adverse action take place to a consumer extending his/her credit to these corporations. which they still use the denied application to sell on the secondary market. ( that's another story within itself ) People are studying and waking up to these deceptive practices and cruel corporations! where does the money come from they cant answer that. they rely on the credit of the Americans and consumers. so again an adverse action has taken place here as stated in 12 CFR 1002.2 no where in the CFR does it mention anything about a credit score to use ones XXXX given credit. i am the creditor in this situation not the corporation. Next issue will be a lawsuit and a big one because i have more than enough citizens who are going through this same thing.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

My wife and myself were out of town during XXXX XXXX weekend from XX/XX/24 - XX/XX/24. We were notified on one occasion, from Regions, on XX/XX/24 regarding one transaction that looked suspicious and asked if my wife was making this purchase? She advised no, she wasn't. They said that they will stop the charges against her debit card, close it and reissue. The following day, XX/XX/24, on our return trip home, we called the bank auto line to check on our account and at which time discovered that our account had been hacked which caused the account to go into overdrawn status. We were advised to go to local branch and submit a fraud claim in which we did. As of today, XX/XX/24 we have been dealing with this trying to recovery our funds without any success. We have filed now XXXX claims, gotten a police report and still nothing has been resolved. I truly feel that there hasn't been an actual investigation done on this case. I feel that the fraud dept. has made a blanket decision based on a select few transactions that were authorized and have come to the conclusion that all were authorized. This is so ridiculous because these were transactions that were made in XXXX different states other than where we live. My wife and I have spent numerous hours being the PI in this. We have called or researched each and every business that was listed on our claim to verify where they are located. These range from XXXX XXXX XXXX XXXX etc. Their were a total of approx. XXXX transactions totaling approx. {$2700.00} - {$3000.00}
Consumer complaint received 2023-02-13
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit My Rent Inc (TX)

Account # XXXX, CREDIT MY RENT INC XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 92 A. STATES I HAVE THE RIGHT TO FRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My current Mortgage lender ( Lakeview XXXX they operate under many different names ) is saying that I am missing a payment from XX/XX/year>2023 due to them mixing up another borrows account with my account. Allegedly, they applied another borrowers monies to my mortgage. Now, XXXX months later they are saying I am missing a payment for XX/XX/year>2023. 
I purchased my home on XX/XX/year>2023. I was told Id have XXXX  days to pay my first mortgage payment. On XX/XX/XXXX I received notification that I needed to pay my first payment to my original lender ( XXXX XXXX XXXX  ) so I did- I paid over the phone and can provide receipts.i didnt think it was a big deal that they were asking for it XXXX  days early, i just want to ensure i made a payment. That payment was not forwarded to Lakeview XXXX until XX/XX/XXXX. On XX/XX/XXXX I logged in to lakeview to make a payment but I had no past due balance. I called XXXX to verify and they also said I had no balance due. I resumed paying my mortgage on time every month after that XXXX through XXXX. XXXX admitted to mishandling my personal information but did not contact me about it EVER. It was not until XX/XX/XXXX that I received notice of a past due balance for XXXX because they rebalanced all my payments and allocated my funds to the other borrower. I have never been briefed on what the investigation resulted in or anything. Ive been completely in the XXXX. They allegedly opened an investigation on the missing payment on XX/XX/XXXX and it was completed on XXXX XXXX but again Ive never had this fully explained and they have not come with a solution. The send weird emails from XXXX with grammatical errors and it makes be feel that my information is unsafe. They use so many different names and numbers and I call you from. Lakeview, XXXX, Lakeview XXXX servicing, etc. they are very unprofessional and I am worried that my loan and personal information are being mismanaged and I am being taking advantage of as a consumer. They is not a company I want to be my loan provider. 
XXXX ID XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Letter to LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Letter to LexisNexis LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Number : XXXX Case Number : XXXX Subject : Request for Removal of Inaccurate Addresses and Update of Correct Information Dear LexisNexis Consumer Center , I hope this letter finds you well. This is my third time writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. I have to include the CFPB in this matter now because of noncompliance with the FCRA. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX Please find attached copies of my driver 's license and a recent bank statement as proof of my accurate address. 
I request that you delete any addresses that do not match my driver 's license or utility bill and send me an updated credit report reflecting these changes. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!