davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: DigniFi (TX)

I received an alert on my XXXX XXXX account about my credit score change. After reviewing it I noticed a personal loan was taken out under my name a DIGNIFI. I have been trying to call them on their XXXX number but I I received is a busy signal. I sent them an email explaining the situation and no reply has come forth. 
I want to dispute this transaction since I did not apply for the personal loan myself. Please help me fix and resolve the issue and problem. 
Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I was taking to XXXX XXXX in the Escalations Representative Enterprise Complaints Management Office at his number XXXX on XX/XX/year> about my complaint and he got mad at me and made smart comments and smart remarks I was supposed to call him more then one time that isnt true he never returned none of my calls or voice mails and got mad I make a new complaint for a new issue that isnt same with more updates about the old issue please investigate this complaint and investigate him and punishment him and take action against him etc and my name is XXXX XXXX I need a update on my complaint about the issue I reported etc.
Consumer complaint received 2024-10-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (IN)

On Tuesday XX/XX/year> I used the atm to withdrawl XXXX dollars from the corner bastions atm with my cash app card. The machine had only dispensed XXXX. I said something and the attendant said he could r do anything about it to contact cash app and then your agency if cash app dont work. I submitted my claim to cash app and they dented it instantly and refused to give me a credit. So here I am now hoping you will do something about it
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

On XX/XX/year> I went into family dollar store on XXXX in XXXX, Indiana. I gave the manager my XXXX XXXX barcode that was generated on my phone in order to load the card. I gave him XXXX in cash. He gave me a receipt and I went home. A couple hours pass and I go to use the card and discover it was never loaded.. I reached out to cash app support and they wont even hear what I have to say. They keep making excuses. Then they flat out refuse to discuss this anymore, I also reached out to family dollar and they cant do anything they said its cash apps fault.
Consumer complaint received 2024-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CO)

In XXXX of XXXX our mortgage began to be serviced by Newrez. We had arranged with the original mortgage XXXX, XXXX XXXX XXXX, that we would be responsible for the payment of homeowners insurance and real estate taxes. In early XXXX we received notice that XXXX was starting to charge us escrow fees to pay real estate taxes. I immediately called Newrez to resolve the matter as we had already paid the first half of the taxes. After much discussion, I was told that the matter would be sent yo the Escrow department for research. I made my regular payment when due.

I received no response from the escrow department. Instead, Newrez made the 2nd half payment. They then billed for the regular laymejt, escrow amount and charged a late fee. I contacted Newrez and agreed over this. I explained that until they gad resolved everything that I was not going yo make a payment as I did notvwantvit to get even more confused. The Newrez escrow debt. finally decided that we were correct and there would be no escrow collected for future taxed, but they would to recover the taxes they had paid. I protested this and made arrangements to repay the tax payment in full. It was agreed that there would be no late fees or interest on any unpaid balance once the taxes were repaid. The payment was made. The late fee and interest is still being charged. During all of this we discovered that the automatic payment we had tried to set up was not working. We were told that
the account information for our credit union was not entered correctly. We had set up payment information for one time payments from the same account. One time payments went through. We copied and pasted the account information from the Newrez one time payment screens into the automatic payment screens. They were identical. When we checked later we discovered that a number had been dropped out of the system. We are not able to correct this as it can not be done with any outstanding balance showing.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

on XX/XX/year>, I discovered that my credit card account has been compromised, resulting in unauthorized transactions that I did not initiate or authorize. I have already reported this issue to your fraud department in XXXX ( or wherever ) without success. For some reason no one could understand my issue. Apparently, someone changed the phone number and address on my account, which has since been canceled. Apparently I owed XXXX $? on the card for a recurring charge. I never received the bill because this address had been changed and I was unable to long on to my account because it had been closed. 

Despite this, I was dismayed to learn that a negative report related to this fraud has been sent to XXXX, which has significantly affected my credit report and score. My score dropped XXXX points and therefor will be extremely costly in regards to future loans, etc.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Kindly remove this information from my credit report within four business days, as stated in section 605C of the Fair Credit Reporting Act. I would also like to receive a notification about what actions have been taken. Thanks for handling this quickly.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

On XX/XX/year> I received a response from Experian credit bureau. The accounts I want to deal with today is XXXX XXXXXXXX and XXXXXXXX XXXX XXXX. Specifically XXXXXXXX XXXX XXXX account ending in XXXX case number XXXX. I once again informing you that I do not recognize this frozen account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609. ( 5 ) Im requesting the bill of sale and all billing sales. Im Requesting proof that they are the original due Holder in the course of this debt. Im requesting the original documents where they bought this debt. Im requesting counter records that prove that I opened this debt until this present day. im requesting the original contacts with the original credit of bearing my signature and authorization of this fraudulent debt. Im requesting your method of verification pertaining to those documents as is my right per Fair credit reporting act 611 ( 5 ) ) a ). Im informing you that Your offenses amount to aggravated identity theft pursuing to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment in addition to civil liability. Pursuant to 15 USC 1681.n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency on the false pretenses shall be fined under title 18 In prison for not more than two years, or both. Consumers suffer harm with consumer reporting agencies and furnishers Of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms include the invasion of consumer privacy, as well as reputational, emotional, physical, and economical harms. I have been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting. Therefore, Im demanding these accounts blocked and deleted because they do not belong to me. Once again attaching proof of my XXXX, my XXXX XXXX  identification card, And postdated letters from my family and government agencies as well as other information.
Consumer complaint received 2024-10-29
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: Rocket Mortgage, LLC (MO)

I tried to get a home loan from rocket mortgage, after I summit all my documents they asked my permission to pull my credit report without telling me I should pay {$200.00}. The agent offered me XXXX rate for the loan and asked me {$500.00} as deposit for appraisal then he can send me the details of the loan plans. I confirmed with the agent that {$500.00} is for appraisal then I gave him my credit card information. Then I received the loan plans I found out for getting the XXXX rate I need to pay about {$4000.00} points fee which the agent never mentioned during our conversation. I emailed him to cancel appraisal and explain to him that I feel get betrayed by him. I dont want to continue with rocket mortgage because the agent is not honest. I asked him to refund my deposit for appraisal. Few weeks later rocket mortgage refund me {$300.00} without any explanation. When I dispute with my credit card rocket mortgage explained they charge me {$200.00} for credit report. First, from XXXX to XXXX more than 2 months the agent pulled my credit report twice my husband credit report twice never asked me to pay {$200.00}. Second, the agent asked my credit card to pay the deposit for appraisal not mention for credit report. Third, since it is money for deposit, but the action for pulling credit is happened before the time for charging deposit. So that money cant consider as deposit. Fourth, agent asked me to sign agreement and very clarify the {$500.00} is appraisal. Fifth, rocket mortgage doesn't list clearly the price for different items they mentioned on the agreement, but I asked them how much for appraisal, customer service told me from {$500.00} to {$1000.00}. So the appraisal fee start from {$500.00}, if rocket willing to charge me appraisal fee and credit fee they should charge me {$700.00} not {$500.00}. 
Rocket is not an honest company, keep trying use lies to get business.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MD)

preface : previous complaint # XXXX With this complaint i CLOSED this account. A couple weeks later, I received a closing balance statement in the mail showing XXXX with notification that the account is now closed as of XX/XX/XXXX from, Goldman Sachs. 
Several months later, I receive a voicemail from GS that they illegally reopened my account and put a balance on it, of XXXX XXXX XXXX XXXX XXXX XXXX I called them back and told them that this was illegal activity, I owed them nothing and I have mailed statements to prove it along with the closing in XX/XX/XXXX. 

Goldman Sachs is now destroying my pristine credit AND threatening my livelihood ( because my top-secret clearance career depends on quality money management w/o debt collections ). They are doing so by Posting illegal past due bills and charge offs to my Credit report did they claim started in XX/XX/XXXX!!!!!. Illegally reopening my credit card account and putting a fee on in Retaliation for my complaint # XXXX.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

Yes I have a complaint against cash app because not only was my account hacked but when I reported it to them from a new account that they tell you to start when you call there phone number and when you XXXX how to get in touch with customer support agent. So I started new account with the cash tag XXXX XXXXXXXX and they were great and very helpful and after verifying my identity they got me my account back but my problem is when I went to make a report to dispute the transactions that were made while the hacker had access to my account. They sent me a message to verify my identity and said that they were putting my dispute on hold until the XXXX of XXXX but before I was given a chance to do anything they closed my account on the XXXX th of XXXX. And denied all of the dispute claims I made and there was only XXXX but they didn't even have a record of my account getting hacked or the conversation with there customer service agent that got me back into my account. You would think that it's something they would attach to the hacked account in case there's any issues in the account that need to be disputed. But apparently not because I was treated like a criminal and they have been very very rude and not listening when they are saying that I violated there terms and conditions when I didn't even have the account in my possession and I couldn't get logged in or anything. I'm going to submit screenshot of my entire conversation with the agent that was helpful in getting my account back for me. I just wished she would have attached the conversation to the account she logged me back into. That would have solved the whole issue because they wouldn't be treating me as a common criminal.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United PanAm Financial Corp. (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My identity was stolen by a sign on into my XXXX Account. I was notified on XX/XX/year> that a western union transaction was processed through my checking account. I immediately phoned XXXX XXXX to stop the transfer. They advised me that they could not stop it as the money was already picked up. I gave western union the name of the individual so they could not use western union in the future. I contacted Chase Bank and froze all my accounts. The following morning I went into the local branch and closed all my accounts and opened new ones. I sat with a representative and went through the transactions to determine which were fraudulent. I was credited the {$780.00} immediately. There were some transactions from XXXX that did not go through and I was able to stop. In May Chase reversed my credit stating that they deemed it was not fraudulent because they used my bank account information and my name. I refiled a fraud claim. They rejected it again. I provided them with additional paperwork to only be denied again. I contacted the XXXX XXXX XXXX and Office of Comptroller of Currency and Chase said the same thing. My identity was stolen. I froze my credit bureau accounts. They had my name. They had my social security number as they attempted to open a loan. They had my bank account information. It was fraud and I want my money back.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: US MORTGAGE CORPORATION (NY)

On XXXX, we started the online application for a mortgage with XXXX XXXX at US Mortgage Corporation. XXXX XXXX has since prolonged the the processing of our mortgage application for his financial gains. He has attempted to coerce us into making detrimental financial decisions like cosigning on a co-op for another client of his. When we asked for an update on our loan application, he told us we would have a response by XX/XX/XXXX, which is also the date he expected my husband to sign a document agreeing to co-sign on a co-op. When we told him we wanted a lawyer to review the " simple '' co-signer contract, he advised us to have a lawyer review it after it was signed. When my husband refused to co-sign, there was no more discussion about our loan. On XX/XX/XXXX I received a phone call from another lender who informed me that my information had been sold for the solicitation of other financial offers. On XX/XX/XXXX, we requested a withdrawal of our application. XXXX XXXX told us that " everything was done ''. We're not sure what that means since we still do not have a preapproval. As of XX/XX/XXXX, we still have no preapproval documents. XXXX XXXX 's practices are unethical, unprofessional, and dangerous. Our loan application was never completed after we refused to cosign on another property.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

XXXX SUBMITTED ON XX/XX/2021 Ive submitted a complaint before and thought this was going to be settled. The Chime company was supposed to send me a refund now they have reneged on what they said they were going to do. I am reopening this until this gets resolved. I am trying to get my money back from CHIME. The reference number is above. I just want my refund that is owed to me. I cant get hold of a live person all I can do is email them which I have several times. Ive tried to tell their member services that I am supposed to get a refund and I still havent received it. Then they tell me Im not getting one when they admitted their was an error on their part. I want my refund like they said they were going to do. I sent them a copy of the email that I got from consumer financial to show them what their own member services team said that there was an error on CHIMES part and that they would send me a refund. Now Im getting a hard time getting my refund. If they continue on this path of not returning my refund Im hiring an attorney to sue them. I have all the documentation to prove about money.