davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

credit acceptance keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (CA)

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX  XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX a check for the amount of ( {$1400.00} ) was deposited in my bank account thru an atm with my card that was lost which I didnt know until XX/XX/XXXX when I called and filed a complaint with the bank about that check. My job deposited my check on XX/XX/XXXX but it got rejected due to my account being locked. I requested my employer to deposit my check in my other account and for some reason they did it again thru CHASE and now that I need my money to pay rent and my car note and I cant do anything now due to this Ill have to pay late fees on my car note and my landlord gave me 10 days to pay. Chase customer service advice me to go to a bank and take out my money when I get there. Employees tell me I cant do anything until it gets resolved in 15 days. I need this money to make my ends meet this week.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

This complaint is in reference to a charge-off account # XXXX with PNC Bank.I am currently on XXXX XXXX and have been since XXXX XXXX relative whom I put in charge to handle my affairs was denied twice in a PNC branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to PNC Bank several times about the issue with no response.I also requested my account be placed on " military hold '' .Subsequently PNC Bank reported my account as a charge-off to all 3 credit bureaus XXXX, XXXX, AND XXXX spoke with PNC Bank service members escalation group case manager.I submitted my military orders and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 109XXXX C cancellation of debt as PNC Bank has received a tax benefit for said debt, but failed to send me a 1099-C which is required by law.I have also disputed this with XXXX, XXXX AND XXXX. Instead of PNC correcting the account or removing it, PNC Bank updated the balance amount with XXXX.
Consumer complaint received 2024-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

We changed our homeowner 's insurance carrier effective XX/XX/2024. The Certificate of Insurance was mailed to the mortgage company at that time by the new insurance carrier. I also uploaded the new Certificate of Insurance on XXXX website. We received a letter from NewRez dated XX/XX/2024 that we did not have insurance on the property so they had bought insurance on our behalf and added the cost to our mortgage loan account. The cost was significantly higher that the new insurance that we had already purchased. On XX/XX/2024, I followed the directions in the letter that was dated XX/XX/2024 and uploaded the new insurance 's Certificate of Insurance. Then last week, we received a XXXX Notice from the new insurance company because NewRez has failed to pay the insurance invoice in the amount of {$880.00} which is due by XX/XX/2024. The insurance has always been escrowed by NewRez. At that point, I called NewRez and spoke with XXXX XXXX on XX/XX/2024 and she opened a case regarding insurance documents and nonpayment. She gave me an email to which I could forward the invoice. I did that and once again included the Certificate of Insurance. I have checked NewRez 's account detail on this property every day since then and the insurance has not been uploaded in account details. We have had problems in the past when we have had to pay the insurance ourselves because NewRez has not paid it and we never received a refund.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Subject : Formal Complaint Against Credit Acceptance Corporation for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against Credit Acceptance Corporation regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as XXXX XXXX XXXX XXXX XXXX instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with Credit Acceptance Corporation .

Late Payments Reporting : Credit Acceptance Corporation has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own. 

XXXX. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( XXXX U.S.C. XXXX ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. Credit Acceptance Corporation has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by Credit Acceptance Corporation 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against Credit Acceptance Corporation. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC (MA)

Hello Sir/Madam, I opened my crypto wallet account in Gemini & I transferred cash to my new Gemini account. It was working fine till XX/XX/year>. I convert that cash into XXXX & send that XXXX to my other wallet I have on XXXX. Yesterday XX/XX/year> when I tried to send my XXXX from Gemini account to XXXX  account, Gemini froze my account stating there was suspicious activity on my wallet. 

Gemini has no right to froze account without my consent or if I report Gemini for any fraudulent activity in my account. 

I did research on Gemini & Gemini have so many complaints against them to Freeze customers account to steal the funds from their account. 

Please take strict against Gemini & XXXX XXXX Gemini XXXX, Partners, XXXX, Employees etc., ASAP to take Customers funds & freeze their accounts & stating there was fraudulent activity in your account. 

I can understand Gemini have policy to freeze customers account if they find suspicious activity. However they should return customers funds to their bank account. 

Gemini have no right to use Customers funds & freeze their accounts. 

I want all my funds back into my bank account ASAP. Gemini should pay for the damages that caused me & shouldn't deduct any fees from my account. 

I need full money back to my back account what I had transferred to Gemini account. 

Please take a strict & revoke their business license so that they can scam any future customers. 

Please help me. 

Thanks. 
Your 's Truly
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (LA)

I NOTICED CHARGES ON MY DEBIT ACOUNT AND CALLED CHIME TO DISPUTE THE CHARGES AND WAS DENIED. MY DEVICE WAS STOLEN WITH MY INFORMATION STORED IN IT. CHARGES OCCURED AFTER DEVICE WAS. TAKEN. ALL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX CHARGES WERE UNAUTHORIZED.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/XXXX, three separate purchases were made at an XXXX XXXX in another state at the same exact time, XXXXXXXX XXXX with my Apple Card. One purchase for {$610.00}, another purchase for {$26.00}, and lastly a purchase for {$280.00}. I live in another state than these purchases were made and at can prove by purchases on my bank account that I was in my state. I filed disputes and on XX/XX/XXXX they denied my disputes. The same day I resubmitted the disputes and gave more evidence. On XX/XX/XXXX they accepted my disputes of the {$610.00} and {$26.00} however did not with the {$280.00} purchase. I resubmitted that dispute that day. On XX/XX/XXXX they denied this dispute again despite these purchases being made all at the same store, the same day, and even at the same time. How can two of the disputes be accepted and not the last one considering all of this and despite being resubmitted multiple times?
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-06
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (VA)

Inquiry date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Inquiry date : XXXXXXXX XXXX XX/XX/XXXX Inquiry date : XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry date : XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XX/XX/XXXX Inquiry date : XXXX XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX Inquiry date : XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also ask these creditors several times to removed unknow reported addresses, and unknow reported names used. 


These are unauthorized inquiries on my credit report that I did not authorize these companies to run my credit, someone used my information. I have been a victim of identity theft and this is fraud. I have sent a few rounds of dispute letters in XX/XX/XXXX and no response and still to today my identity is being used. Last year XXXX I had to file for bankruptcy, this is ruining my life.
Consumer complaint received 2024-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I applied for a school misconduct discharge for my private loans and received a generic denial despite my federal loans being discharged under the Borrower Defense to Repayment ( BDTR ) program due to predatory practices by the XXXX XXXX XXXX XXXX XXXX. I have also been unhelpfully responded to when seeking assistance. There is an ongoing group discharge due to the colleges predatory lending, and I believe my application meets the necessary requirements for approval.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by XXXX XXXX XXXX XXXXXXXX '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my FICO credit score went down by 21 points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " XXXX XXXX XXXXXXXX '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this XXXX inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " XXXX XXXXXXXX XXXX XXXX at the time of this writing to ask/inform them of the situation.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello on XX/XX/24 I posted on XXXX XXXX in search of event tickets. I reached out to someone selling tickets asking for confirmation of tickets and pricing. The woman, XXXX XXXX, provided screenshots of her XXXX XXXX tickets and the pricing. I said that I would send half the amount for 1 ticket to confirm receipt, before sending the balance for ticket # 2. She provided her email for the app XXXX XXXX but I only use XXXX. So she provided her husbands email XXXX for XXXX payment. I sent the amount of {$200.00} to XXXX XXXX via XXXX and the seller XXXX confirmed she received and that she would send the 1/2 tickets. I never received an email and when I tried to message back, the account was removed and I could no longer contact this person. I contacted my bank Chase and they said they couldnt help because I sent the money myself. Which I understand but this was a fake person impersonating someone on XXXX that doesnt exist, and I was scammed out of my money.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (NY)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank (TX)

On XX/XX/year> XXXX deducted {$54.00}. XXXX from my bank card. 

In XXXX, 2024, I realized i was misled to believe the First Progress card was more like a debit card and not a credit card. I called company a few days later in XX/XX/year> to close card and asked for refund. The company closed card, but refused to refund the {$54.00}. XXXX.
Consumer complaint received 2024-07-18
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: Selene Holdings LLC (GA)

I am writing to make you aware of the issues we are having with Selene Finance. We have been in the home since XXXX I am a veteran of the XXXX XXXX of XXXX  years. I have never missed a payment of the XXXX of being this my home. 
During our time in this home, our mortgage has been sold 5 times. As each term, we received a letter stating our mortgage was sold to another lender, and in good standing. 
We've been with Selene Finance for the last 10 years maybe, never late. 
Selene Finance has added a balloon interest to our home stating that we didn't make any payments for 36 months. Please tell me what mortgage company allows you to live free! 
I have called to speak with the loan officer repeatedly, but I never got a callback. Months passed still no feedback. Finally, after 6 months someone called demanding that we sign a modification to save our home. I never signed because I didn't owe anything. 
This issue has not been resolved as of today. I am still calling to get proof of the documents ( modification ), and a copy of the payment report. Selene 's Finance representative did share with me that she uses different computers for information, is the information legit? 
No one will refinance our home which should be paid off next year because XXXX of interest was added. We purchased our first home at XXXX. Why and how do we still owe {$83000.00}?? 
Please allow me to share, this look at your credit report! My wife was never on the mortgage or deed. Selene has added the mortgage to her credit report and she has nothing to do with this account, we have asked repeatedly to remove her name. We were told her name was on the modification. But we never signed a modification. 
Help please, if nothing is resolved we will seek legal action.