davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

My account with Marcus by Goldman Sachs has been locked for 2 months. I was denied an interpreter and suffered a XXXX XXXX XXXXXXXX XXXX because i was unlawfully denied access to my lifesavings. I complied with the banks request and send back the notarized affidavit XXXX weeks ago. Still No action has been taken by the bank to restore access to the accounts.
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TX)

In accordance with the Fair Credit Reporting act the accounts listed below have violated my federally protected consumer rights to accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Bridgecrest Auto : acct XXXX The loan servicer XXXXBridgecrest has been and continues to report incorrect and conflicting balance and payment information to XXXX, XXXX and XXXX. This has caused severe adverse action to my credit file when attempting to apply for neccessary credit accounts. I have disputed this information with the credit agencies as well as the loan servicers directly in XX/XX/XXXX as well as XX/XX/XXXX. Since XXXX XXXXBridgecrest has violated my consumer rights under credit law 15 USC 1681.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAND HOME FINANCIAL SERVICES (HI)

I am XXXX XXXX XXXX XXXX and we are currently under contract to sell our home utilizing the VA Assumptions process to another veteran and his family utilizing the process as outlined in XXXX XXXXXXXX XXXX. However, we are now passing the 33-day mark and despite the seller and I both engaging with the lender ( Land Home Financial Services ) , we have found a complete lack of transparency. The only information I have received has come via my buyers and has resulted in additional confusion about the process and completely stalled our ability to make decisions about our upcoming duty station change. 

It is my understanding that even if the lender intends to disapprove a VA assumption loan, the packet must still be provided to the VA. I confirmed with the VA that nothing has been submitted to them referencing this VA assumption loan and this makes it impossible for the buyer to take advantage of the fact that they can appeal a disapproval decision by the lender - - as a seller, if this sale is going to fall through then the lack of transparency is resulting in a significant loss of valuable time on the market before my wife and I XXXXXXXX XXXX XXXX XXXX XXXX I know that my buyer has reached out to the VA for assistance - but as the seller with the VA-backed loan looking to support another qualified VA buyer using the entitlement that we have both earned in support of our families I am out of ideas- I am also choosing to reach out to find out if there is an appropriate way ahead to reach an agreement in support of our families and take advantage of the benefits we have both earned through our service.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

all inaccurate names and address and phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc. (NJ)

On XXXX I applied for {$250.00} loan from Solo. By that evening it was financed. So they received the money from the lender but it was never made available for me to withdraw. 

You CAN NOT speak with a live person. The chat function is very glitchy and takes forever to get a response. Nobody will sit for 10 minutes just waiting for a response that doesnt even make sense. There is no logical conversation to be had thru their chat. I had attempted to contact them at minimum of every other day. Its ridiculous. 

If they deduct {$290.00} from my account & I still have to PAY BACK the person that actually gave me the money it will snowball my finances as I am one paycheck from being homeless. I already dont have transportation. That {$300.00} is all my food for a month. I can not do it. Its just me I have no one else. 

ALSO, they only NOW have it that u can turn off the donation to the platform. They NEVER put in the directions that u could turn it off. I have paid tips to Solo for EVERY SINGLE LOAN. Even this one. I only found out from XXXX that u could turn it off. Its always been mandatory. Extremely deceiving.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about the accuracy and the reported payment history on account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00}
Consumer complaint received 2024-07-04
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)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

On three separate occasions, I told Chase I had insurance. 1- when I bought my home and had to have proof of insurance, 2nd time in XXXX after I had uploaded that same proof of insurance because chase demanded proof of I was ensured and purchased insurance using my escrow without my permission although I was already insured ( corresponding reference number for that call is XXXX ) that time funds were refunded and a third time when I called on XX/XX/XXXX after they again committed the same act of fraud again ( case # XXXX with chase ) upon which I filed an FCC complaint the agent I spoke with XXXX said I would be refunded in 7 days and I was never refunded to my escrow account. I choose to get insurance solely through my insurance agent and so chase going behind my back with evidence they should not is both illegal and fraudulent and infringes upon my right to choose against my fiduciary rights as a consumer.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX Opened XXXX {$120.00} LVNV FUNDING LLC Opened XXXX {$480.00} LVNV FUNDING LLC Opened XXXX {$650.00} LVNV FUNDING LLC Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The XXXX XXXX is still there
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

I filed a CFPB complaint against Lexis Nexis and they aren't responding to the complaint but sending me stall emails stating they need additional information a copy of my ID, Social, and bank statement. I already mail all that with my letter and stapled it together. so this time i will attach all that information to the complaint where they can no longer stall. 

my name is XXXX XXXX my XXXX is XXXX my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my XXXX XXXX XX/XX/XXXX my email is XXXX my phone number is ( XXXX ) XXXX Now to continue to the complaint. 
I received an email from my paid credit monitor service that a bankruptcy was reported on all XXXX credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any XXXX parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to Lexis Nexis, XXXX XXXX XXXX, and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: ARVEST BANK GROUP, INC. (AR)

To whom it XXXXay concern, I am writing to give you the details and experience I had when trying to purchase a home in which I would assume an FHA Loan. There are many points in the process where I was stonewalled, blocked, or ignored so that Arvest Bank, XXXX, Arkansas wouldnt have to give me a loan assumption. I know of a few places where they violated the law or the FHA guidelines, but I do not know all. In the end, they rejected me saying I didnt qualify. Without their inviting me to do so, my CPA prepared a thorough analysis of my credit worthiness ; such that he and other professionals in this industry agreed I was more than credit-worthy. Unfortunately, I dont really know the reasons for rejection ; nor if they even reviewed my analysis. No communications have been received since my submission. At the time of rejection I had enough cash that I could have bought the house just in cash. I also would be able to rent my current residence for the same amount that the XXXX loan was for. I also had another lender at another bank review my financial situation to help me communicate to XXXX and show who I wasnt a risk and I could qualify. Arvest decided to not use any of it.

Things that Arvest Bank did to break the law or violated the rules set in place by the Consumer Financial Protection Bureau : My understanding : 1. Arrest Bank restricted transfer of FHA loan at the beginning because they didnt have a process. 
2. I wasnt officially notified within 10 days of being rejected as to why, and how he could fix the issue.

3. I wasnt given 3 reasons why I was rejected. I was only given a incomplete form saying they couldnt verify income 4. I was never working with someone that has a NMLS number. 
Arvest Bank did everything ( and more details ) they can to sway us from assuming the loan.
Consumer complaint received 2024-02-02
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. (SC)

My name XXXX XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately. Besides these items, I also want to delete incorrect addresses that I do not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (TX)

A debit Collection company called FirstSource ( XXXX ) XXXX. Ref # XXXX / Claim # XXXX says I wrote a check that was returned for XXXX to a company XXXX. I don't write checks and they are asking me to send them a copy of my ID to prove who I am. They said I wrote a check and the check number is XXXX, and the account is XXXX. My bank account 's last XXXX are nowhere near that. So I contacted the company XXXXXXXX XXXX XXXX XXXX XXXX and they said the same thing to me. The odd thing is the XXXX is the one who sent it collections but has XXXX info on the XXXX debt. And they are saying the payment was made on XX/XX/XXXX and sent to collections under 30 days time.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I'm locked out of my citizens bank account for no reason other than because i deposited a check for XXXX $ and it returned i have no idea why because everything about the check is right now they are not giving me a answer why and im locked out of my account and i i have bills to pay and i have deposited another XXXX $ and they said that should clear this Friday but they said about that almost every day with my first check that returns they keep pushing the date back My name is XXXX XXXX last XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-26
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC (ND)

The credit of both my wife and I has been ruined. Our goal was to reduce debt going forward as we had started businesses. We reviewed debt consolidation companies and decided to go with National Debt Relief. This company is owned by XXXX XXXX, a lawyer in New York. 
NDR ( National Debt Relief ), along with Lendingpoint and XXXX XXXX XXXX have breached the contract we made with NDR. 
I am currently researching the case involving XXXX XXXX, which I believe involves the same unethical behavior. 

NDR instructed us to stop paying the 9 creditors we assigned to them for debt reduction.

I called NDR at least once a week to assess progress, and was repeatedly told to wait, and that it would take at least 6 months for us to go into default. I told the customer service reps that I was not comfortable with this timeline. I continually asked them why they couldn't begin negotiations immediately, thus reducing the overall contract length which was 54 months.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (NJ)

I have two accounts one credit card from ( XXXX  XXXX ) date opened XX/XX/XXXX that i'm unfamiliar with that not mine I send a dispute the bureau said it came back that it was verified and the other account is kickoff ( account number XXXX date opened XX/XX/XXXX. 15 usc 1681i ( a ) ( 6 ) ( B ) ( III ) I requested a description on the dispute how they came about these findings and never received an answer this is a violation of fair credit reporting act this was XXXX XXXX and XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (FL)

RE : credit card account # XXXX opened XXXX. NOTICE TO OPT-OUT UNDER THE FAIR CREDIT REPORTING ACT. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. You do not have my permission to share my personal information with nonaffiliated third-party companies or individuals. I am asserting my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to opt-out of any sharing of my information by your company. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!