davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC ()

I wired XXXX to Gemini Trust Company LLC from my brokerage account to invest in some crypto currencies. 

I bought some crypto currencies called ethers. Soon after, Gemini restricted my account to bank withdrawals and crypto currency sales. This, in effect, forced me to sell my holdings. I did sell my holdings, even though this forced me to lock in some losses. Mind you, I paid commissions to Gemini on both buys and sells. 

Now Gemini won't allow me to withdraw my USD. My entire {$100000.00} has been stuck with Gemini since at least XX/XX/2023. 

I have send them countless support tickets, requests etc. They won't answer any of the requests. I have sent them XXXX instructions for my brokerage account so they can send it back. I have sent them ACH instructions. Nothing happened.
Consumer complaint received 2024-02-10
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: CREDIT ACCEPTANCE CORPORATION (NJ)

Dear Consumer Financial Protection Bureau, I am writing to kindly request the removal of the repossession record by Credit Acceptance Corp ( Account # XXXX ) from my credit report as a goodwill adjustment. Given the recent legal scrutiny of Credit Acceptance Corp 's practices, I believe this action would be a fair resolution. Additionally, the dealership from which I purchased the vehicle, XXXX XXXX XXXX XXXX, is no longer in business, further complicating my situation. I hope to resolve this matter amicably and avoid escalating it by reaching out to other parties involved in the lawsuit against Credit Acceptance Corp.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 my application was denied for an XXXX XXXX American Express card. Regardless of the reasons that were given for denial, there is currently an uneven exchange of value. According to your Prospectus / trust indenture, my credit application was turned into an asset and deposited as receivables, sold to your Depositor and then sold and pledged to your Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. The bank deposited the asset for cash value and has not returned anything back to me of value. This signifies fraudulent conveyance and an uneven exchange. The application / asset was NOT A GIFT. The prospectus states receivables are being used as a significant source of funding to support the Banks business, including supporting notes the Trust issues to investors. The bank took assets of value from me that are supporting its business and I did not receive a card. Again, this is an uneven exchange. The prospectus also states that all credit acceptances and denials are determined by automated systems. This means my application was never reviewed by a real person or underwriting, therefore, true valuable consideration was never provided to me. Please note that FICO scores or lack of a consumer score has no basis regarding the bank depositing an asset I gave value to, and is not a factor here. To provide equal value, The bank needs to issue the card I applied for with no predefined limits, and my account should be credited each month with the dividend payment from the Treasury coupon. The bank and its affiliates may then continue to utilize any future receivables with no adverse action from me. Please refer to your prospectus, Trust Indenture, XXXX, XXXX, and other forms on file with the securities and exchange commission regarding your fiduciary duties. If equal value is NOT received within ten ( 10 ) days, I will open investigations and claims with ALL of your regulatory agencies for violations of fiduciary duties, file a suit in XXXX XXXXXXXX XXXX, and file Form 3949a listing the Bank and all affiliates listed in the prospectus. The bank may not take value from me without issuing a card in exchange, and I pray this matter will be handled in good faith. Thank you for your attention to this matter -- - XXXX XXXX, XXXX.
Consumer complaint received 2024-02-09
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. (PA)

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Opted for a XXXX XXXX  APR interest from Capital One and opened a account with a XXXX XXXX  APR End date of XXXX. 

Paid all my outstanding balance on XXXXInspite of all the payments done was charged {$100.00} as interest for outstanding payments. 

When enquired they mention the XXXX XXXX  APR ends on XX/XX/XXXX XXXXTold them that we have the official email from Capital One that the offer ends on XXXX. 

Inspite of their official email they still charge the interest which needs to be refunded and avoid this capital one 's behaviour. 

secondly one of the unique practise is they never publish their XXXX  % APR end date on their Statements which other banks do which clearly alerts the customer to make the payment at the earliest to avoid interest.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/XXXX, I logged in to my American Express High Yield Savings Account ( HYSA ) via the URL personalsavings.americanexpress.com, with the intention of changing the password. 

I have a credit card with them also. These 2 accounts have entirely different usernames and passwords. If I log in to the credit card account via URL americanexpress.com, because it's " linked '' to the HYSA, I can access the HYSA account there too. 

The issue is that when logged into the HYSA directly, I could not change the password. So I called for support, and they initiated a change to the credit card account password, which was successful. I explained this is not what I'm trying to do, rather, to change password on the HYSA direct logon, which was not available online, and not complete. 

Turns out that American Express is in process of modifying their online interfaces in a way that PRECLUDES a password change on the HYSA. Yet I can still log into it with old credentials, see the balances, and download transaction history. Furthermore, I asked about when the transition work would be complete to resolve this issue, but no estimated date could be provided. 

American Express represented to me that because I could not initiate transactions via the direct HYSA login, it's not a security issue. I disagree. I charge that American Express is improperly handling credentials related to HYSAs by disabling ability to change a working password.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Well this happened a few months ago and I had to turn in the big 3 credit bureau 's for scamming me by lowering my score for no reason at all.After the CFPB investagated the issue the big 3 said we are sorry we made a mistake and my credit score went back up in. the XXXX 'S almost Immediately well here we are again a few months later and they are doing the same thing lowering my credit score for no reason .So I would like to get this fixed once and feral .This is really getting old I am going to sue the big 3 if they do not stop messing with me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MA)

I sent a certified letter to all the credit bureaus, which is XXXX, XXXX, and XXXX. I also sent a certified letter to Jefferson Capitol System as this is not my account. I sent all my certified letters to all involved parties, it to the but it has not been deleted per the FCRA Consumer Rights and they have got the documents within 30 day period and like I stated to them in my letter which I will attach, if they do not have valid verification that this debt is mines then it needs to be removed off immediately my credit report per my consumer rights under the FCRA ( federal credit report act ).
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract o
r agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-09
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: AMERICAN EXPRESS COMPANY (FL)

I have purchase protection on my card, I had a couple stuffs I lost include one thing i purchased with my card, I made a claim with them about my item, they in up close my claim.
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

After navy federal informed me that the account was XXXX they fraudulent took {$1700.00} from my account that I took from my retirement to pay my mortgage. I informed them that the money was from my retirement saving to pay my mortgage and they refuse to send it back to me I need them to honor there emessage
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA credit card company has a policy that states : Per the Credit Card Agreement If your Account is eligible for our " Pay-Ahead Program, '' whenever you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the Minimum Payment Due displayed on the first page of your billing statement, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the " Important Account Information '' section of your billing statement. Remember interest charges will continue to accrue in accordance with the terms of the Agreement.

USAA is suppose to contact me via email to let me know my statement is ready for viewing and that I have a payment due. They have not been doing this even though enrolled per their website. They avoid telling me I have a payment due or balance which allows them to charge finance/interest charges without me knowing of my balance. No communication can be done via their website or email so that there is a record. 

I have always paid my balance in full- with this program- they stipulate I do not have a payment due even though my balance may be hundreds of dollars. As it states they may enroll me in this program WITHOUT informing me of it. 

My complaint is this is a devious attempt to charge finance/interest charges without the card user having knowledge of their balance and that the card user has not been informed of being enrolled in this program.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Please reference my previous complaint XXXX. Fifth Third Bank has again sent me more unsolicited physical mail which they said they would no longer do. My original correspondence I believe was on XX/XX/year> and they repeatedly promised to cease their unrelenting unsolicited marketing mail barrage, however they've been proved to be liars as I've received yet another piece of mail. I didn't want to have to complain on here again but they have forced my hand.
Consumer complaint received 2023-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington mortgage began servicing my mortgage in XXXX Since then they have done everything in their power to take possession of my home something I worked so hard to acquire I have a loan modification that started in XXXX from XXXX XXXX XXXXXXXX. XXXX XXXX dollars was set aside to be paid in XXXX but Carrington mortgage denied my loan modification In XX/XX/XXXX even though I was current on my mortgage payments they filed foreclosure paperwork The check that I sent them for XXXX was returned after 2 weeks They received the check on XX/XX/XXXX They forced me into foreclosure I had to hire an attorney who promised me that I would have my day in court That day never came XXXX I was infected with XXXX XXXX twice I was in the process of doing a Flex Modification with XXXX XXXX XXXX when I received a Sheriff sale notice Since then they want to add XXXX to my mortgage balance They said I havent made any payments The mortgage amount increases every month My taxes or Insurance have not increased They are not applying my payments They are charging the amount due after I make a payment I pay with customer service I have not made any partial payments I have had this home since XXXX
Consumer complaint received 2024-07-29
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: Paypal Holdings, Inc (MI)

On XX/XX/XXXX I saw a post by my friend XXXX XXXX regarding XXXX XXXX tickets. This is a friend of mine that I have known in person for many years. I told her I wanted to buy two tickets and she told me they would be {$900.00} Total. She asked me to pay on PayPal via friends and family and gave me an email address. I lied and sent her a screenshot showing. I paid her. I got an email confirmation that I paid her. However, she claimed she was having a problem with XXXX and couldnt send me the tickets. I then got a notification on XXXX that her account was hacked and then I realized I wasnt really talking to XXXX.when I logged into my PayPal account, I saw that the money did not go to XXXX, who I thought was supposed to go to, but someone named XXXX XXXX. My complaint is with PayPal. I immediately filed a dispute with Paypal and was told that the case was resolved in favor of the seller. I called them and sent screenshot proof that the money actually went to XXXX XXXX, and therefore it was fraud. I sent all the proof to PayPal, including the communication with the impersonator and proof how the money went to a totally different person. PayPal still refused to stop the transaction. PayPal should have stopped that transaction because the money was obtained fraudulently by an impersonator. They did not close their account after I showed them proof and they did not refund my money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XX/XX/XXXXand XX/XX/XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over 60+ hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX  but it's actually XXXX