davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (SC)

Hello, Ive been on the phone and on the app with Marcus by Goldman Sachs regarding my savings account. Im attempting to withdraw from the account to my linked checking account. I initiated a transfer on Friday the XXXX XXXX XXXX  and was told it would take 1-3 business days to go through. After 4 business days, they cancelled the request and reversed the transfer. On the app they are not allowing me to make the transfer either and discussing it over the phone and with their online assistant, neither person was able to give me a reason why they couldnt make the transfer. Very frustrated at this point because Im attempting to pay for a car and was counting on the money being available within a week or so.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I had accidentally approved a payment to the department of education for my student loans and while it was still pending in my account, I called XXXX and they told me to call Chase to put a stop payment order on it. The charge was pending in my account and I told the gentleman to put a stop payment on it and he also mentioned that even if its in a pending status that they can still stop it. They never mentioned that it was going to be their best efforts, he actually said theyre going to stop the payment in the phone call. XX/XX/XXXX at XXXX XXXX cst is when I called Chase to put the Stop payment order. I woke up this morning XX/XX/XXXX and the payment of XXXX came out of my account even though when speaking to the Chase representative, he can clearly see the pending charge on my account and I never even had to give him the name. He typed it all our for me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On Tuesday XXXX XXXX I went to an ATM to withdraw {$300.00} from my chime account. The transaction was almost complete the machine had put the money out in the slot but my phone rang and I was trying to get it out of my purse and the ATM timed me out and took the money back before I could get it. I didnt even know that an ATM machine could do that. The machine flash a message saying contact your financial institution. So I did I called chime told them what happened and they said that they would start an investigation on it. Then they said that their investigation was closed and that they didnt find anything wrong. I told them that I wanted my {$300.00} dollars back and they opened another investigation and this time they gave me the {$300.00} back. But then about two weeks later they sent me an email saying they had found no wrong doings and they were going to debit my account for the {$300.00}. And they did. So they have my account at a XXXX XXXX  right now. I cant afford to pay this to them and I dont want it against my credit. I swear the ATM took the money back I didnt get it. They are basically calling me a liar and a thief. I am neither I honesty did not get the money that night. What can I do to fix this??
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Parnell Law Group, LLC (GA)

on XX/XX/year> paenell law group llc snd me a debt collcetion and we do not have a contract Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. 

I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. 

In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed.

A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I completed a Navient Private Loan School Misconduct Discharge application on XX/XX/year>. Today, XX/XX/year>, I received an email that my discharge application was denied. The reason for denial was extremely vague & does not actually answer for why it was denied. I am a Veteran & I XXXX a fradulent school, XXXX, where my federal loans were discharged because of the fraud of the school. This is unacceptable. I need Navient to provide me a valid reason ( there isn't one ) for my application was denied. And I need to be given a chance to appeal this incorrect decision. 

The reason Navient gave me for my denial : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (NJ)

I signed up for an online fitness program from a company named XXXX, during the signup process the person said sign here check here, initial. I never told them I was unable to pay or I needed a payment plan, I was very clear I was more than capable of paying. But I was unable to start as the medication I just started made me dizzy. I informed them and I told them I could not start. They said we are sorry to see you go. Then I got messages and texts XXXX after the other saying your Affirm loan was past due, at the same time I got a credit alert saying my credit score went down, my credit score for the last XXXX years had been mid XXXX, and it had gone down to XXXX, it said unpaid loan to Affirm, that was due for XXXX company. I called Affirm, and every time they said don't worry this is a scam, will correct it, I same answer, but the customer care calls, were, from, XXXX, the XXXX, and all over the world, but the answer was pretty similar, this is a scam, we are sorry. But now they say I am responsible, as the XXXX company rules and they can not do anything. There are so many complaints and legal actions taken by consumers, there is a class action lawsuit by shareholders, but they just don't care. They just ruin innocent people 's lives, it took me so much effort and hard work to have an XXXX credit score. You are there to protect the consumer.I hope you look into the matter. 

" As of XX/XX/XXXX, XXXX was the lead counsel in a securities class action lawsuit against Affirm Holdings , Inc. ( Affirm ). The lawsuit, filed in the United States District Court for XXXX XXXX XXXX XXXXXXXX XXXX, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased Affirm securities between XX/XX/XXXX and XX/XX/XXXX. The lawsuit also claims that Affirm 's public statements were false and misleading, and that the company was exposed to a higher risk of regulatory scrutiny ''
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (KS)

Despite sending a cease-and-desist letter to Credit Control , LLC in XXXX ( XXXX XX/XX/year> and received by Credit Control , LLC XXXX XX/XX/year> ) XXXX I have continued to receive letters from them. As a consumer, I have the right to request that all communication from a debt collection agency cease. It is disappointing that this request has not been honored by Credit Control , LLC. I urge them to respect my wishes and comply with the cease-and-desist letter that was sent, as it is their legal obligation to do so. Persistent and unwanted letters or phone calls can cause undue stress and disruption, and I expect a professional and ethical approach from Credit Control , LLC in their debt collection practices.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Numerous complaints have been filed on the status of no original documents being furnished to either CRA or me the consumer. If you can not provide a wet signature which is what is needed to initiate contract between consumer and said creditor and your information doesnt reflect such verified information through internal records or method of verification. Furthermore PRA doesnt have ANY NMLSID to collect in this state. So debt collection practices arent covered under FDCPA. You have not provided any documents in any complaints therefore violating FCRA Section 809 ( b ) and FCRA section 623 ( a )
Consumer complaint received 2024-09-12
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. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-05-20
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. (CA)

This is one of my many attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (MA)

My mortgage company over paid my XXXX XXXX XXXX XXXX XXXX XXXX XXXX by {$1200.00}. I attached a screenshot showing the over payment. When I called to have my escrow withholding changed I was told I would receive in update in 30 days. It has been 3 months and they have not adjust my escrow and have not contacted me with an updated escrow analysis. Their inability to do something as simple as pay the appropriate amount has put an unnecessary financial burden on myself and family.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MacDowell & Associates, Ltd. (AL)

McDowell and associates said the amount was {$14000.00} on my credit report it shows {$24000.00} and it went up another {$2400.00} today. I was scammed from the beginning buying a new car with XXXX miles on it. The transmission went out on the car and for XXXX refused to fix it when it was still under warranty. Their excuse was it didnt show codes on the computer.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (TX)

I have tried to contact Credit Karma via phone and online customer service. The site is reporting outdated credit information. I have tried to reach them to complain that my subscription to the service is not serving me. The credit report is pulled from XX/XX/year>. They are unreachable. They do not provide customer service to their subscribers and are very shady in their practices. I want this information corrected and updated. I would like better customer service for the consumer who is having problems with the site. This is frustrating and discouraging.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I called to make a payment on my Wells Fargo account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX  account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called Wells Fargo on XX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra six to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees.

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due.

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

I am a XXXX Y.O. senior and I was the victim of a XXXX Impersonator. He called me and when I did not comply with his request for payment he shut down all my XXXX family cell phone lines. He called me back and explained that XXXX need 2 payments to restore my account. I sent 2 XXXX payments through TD Bank, on XX/XX/year>, {$650.00} and {$340.00}. when he requsted a 3rd payment I went to a XXXX store and they explained I was the victim of a XXXX impersonator. I filed a dispute with TD bank and they rejected it.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had a false check submitted through my checking account with fifth third with an amount of {$2100.00} that was submitted XX/XX/XXXX. I went to a branch a few days later to resolve the fraud where I had my account closed and was told to wait 10 business days for the funds to be reimbursed. I called 10 days later and asked about the status of my claim. I was told the branch did not have me fill out the domestic fraud packet, so I went to a different fifth third branch on XXXX XXXX XXXX XXXX XXXX  They had me fill out half the packet and then I had to go back the next day to fill out the rest per their error on XX/XX/XXXX. I have called twice since then for updates and the branch has not sent the form yet and it has been 9 days they have been withholding the fraud packet to have my funds processed. It has been almost a month since the fraud was committed and I need my funds as I have bills to pay and this is most of the money in my account. Fifth third will not give the money back until they process the packet which they are withholding.
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We have an XXXX XXXX with a fixed interest rate of 3.75 % with Capital One Bank. In XXXX of XXXX, the interest rate began to climb higher, ending XXXX at an interest rate of 8.0 %. The interest rate continued to climb until XXXX of XXXX when they must have discovered their mistake. In XXXX of XXXX we received a statement reflecting a {$12000.00} credit, and showing XXXX payments being reversed out and charged again. In the beginning months of XXXX I contacted Capital One and requested a full accounting of how the credit was figured, and showing the new interest charges as they should have been and inquiring if we have been credited for XXXX 's overcharges. I emailed back and forth with XXXX XXXX who eventually stopped answering my emails. I then spoke with at least two customer service agents who promised to escalate the issue for me. 
Then we received a call from the new Capital One representative who was now being assigned to our account. I explained to him our situation, and he promised to look into it for us and resolve our issue, however, we have not heard back from him again.
Consumer complaint received 2024-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

On XXXX the XXXX I had my taxes reduced because I am a XXXX XXXX I called my Mortgage company notifying them they gave me excuses why they couldnt have my mortgage updated that day. They needed statement from the county tax office. I logged into the app they have provided the award letter to them and got a confirmation email saying they would get it corrected. On XXXX the XXXX I received a letter saying my mortgage would be going up instead of down. The analysis statements date in XXXX the XXXX. Its had my county taxes listed XXXX or XXXX payments of XXXX. I had already received a refund check from my county taxes office for XXXX dollars. I called them they said that my mortage company has access to my county taxes online and that I had already payed my yearly taxes. The new taxes are XXXX. I contacted my property insurance company and found out they had raised my rate so I changed property insurance companies and contact my mortgage company again. Giving them the new lower rate. It is now XXXX the XXXX and my account is still not corrected. When I check online my account still does not show the correct property tax. It still shows the new mortgage rate. At my previous rate I would have over payed by XXXX and gotten another refund from my county tax office. Their saying that I have a XXXX shortage. While I still am waiting for the refund check from my previous insurance company to come to send to them. They are not providing me with timely service. Correcting issues when they arise. They said the new escrow analysis would be completed by the XXXX. It does not take a week contact the local taxes office. Their saying I have to pay the new rate of XXXX for XXXX and that my new mortgage rates wont be reflected until XXXX. All I want is for timely service to be provided to me. It should not take months to correct mistakes.