davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Money Services, Inc., d/b/a Texoma Finance (OK)

On XX/XX/2020, I sent the loan companies home office a message requesting to be placed on a {$10.00} a month payment plan due to extended closures of businesses from covid19/coronavirus outbreaks after I contacted the loan company by phone to setup the minimum payment of {$10.00} that I could/can afford to pay without any penalties during a time of the Worldwide epidemic virus outbreak. 
On XX/XX/2020, XX/XX/2020, and XX/XX/2020, my payments to the loan company of {$10.00} as scheduled were either paid in office, left in the night drop, or sent by USPS on time and the company still chose to contact me to collect for more and/or send a notice of payment due after excepting my minimum payment arrangement up until my account is paid in full. 
On XX/XX/2020, the loan company sent me a notice of delinquent account options that I picked up at my mailing address on on XX/XX/2020 to contact them and that court costs and attorney fees in the filing of lawsuit and garnishments usually exceeds {$300.00}.
Consumer complaint received 2021-04-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Va loan closing of a Banco popular loan in XXXXBanco charge over {$7000.00}. In funding fees.As a XXXX veteran my funding fee should have been {$0.00}. certainly not over {$7000.00}.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANCO POPULAR DE PUERTO RICO (PR)

The car loan was a joint account one. The person who was in charge was my ex wife who made the payments late on purpose while I was XXXX. Once I know about what was happen I paid off the account almost 2 years ago ( XXXX XXXX ). It still appearing in my credit and hurting my credit score ( XXXX  ). We were in a divorce case and she didn't want to sign the divorce, she threaten me about what she will going to do if I divorce her. She did, she try to affect my credit. I tried to fix this issue with the company and they do not listen, do not want to help. The account is closed paid in full and still appear in my credit score.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

When I got my vehicle the amount I had to pay was {$34000.00}. When Credit Acceptance got the contract they added another {$34000.00} to it. I had called them and asked them why another {$34000.00} was added and they said because the bought the contract. I asked them how they could do that and they just told me they could.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank decided to close my account ( without providing any explanation, but I know they are allowed to do that ) after having kept it frozen for more than two months. 

Last week I received a check for the balance of XXXX XXXX but in the bank account there were more than XXXX XXXX I called three times and so far they have not given me any information regarding my money. 

It's been three months in which I have been unable to access my money. I have not been given any explanation regarding why it has been frozen, why my account was closed, and, more importantly, why I have not received my money yet. 

These are funds I absolutely NEED, and the way the bank has operated is incredibly unethical and it has been having a big impact on my life.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

Credit Karma account inaccessibility due to loss of email and change of phone number since XX/XX/year>. I have attempted to access my Credit Karma Account to view my credit info, my tax info and my Credit Karma Debit card. I have reached out since XX/XX/year> by email, phone, chat, you name it, still no resolution to gain access to my Credit Karma Account or the Debit card on file. Credit Karma withdraws a dollar from my XXXX XXXX Account each month without fail but can not resolve the issue at hand even though I provided my Name, DOB, Last 4 digits of my Social Security number, my license with photo, and Credit Karma Debit card picture and account number, my new phone number and email address from which I email them all this information along with providing my old email address and phone number to prove and link me to my Credit Karma Account. Credit Karma response? You need to reach out to us via your new email address! Totally unprofessional and unacceptable. I have done so repeatedly! At least 10 separate times! I expressed my dissatisfaction and told them I would address this with the consumer protection. Havent heard from them since. I want access to my Credit Karma Account which has all my personal information. In fact I want to press charges at this point!
Consumer complaint received 2024-08-22
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. (CT)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Arizona XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally lodge a complaint against Chime for the abrupt and unwarranted closure of my account. The details of the incident are as follows : On XX/XX/2024, while I was interacting with my dog at home, I noticed that my Chime account was inexplicably closed. There was no prior notice, warning, or reasonable explanation provided by Chime for this action. This sudden closure has caused significant inconvenience and financial distress, as I rely on my Chime account for managing my daily expenses and financial transactions. 

I attempted to contact Chime 's customer support to seek clarification and resolution regarding the closure of my account. However, their response was inadequate and did not address the underlying issue or provide a satisfactory explanation for their actions. The closure of my account appears to be arbitrary and without just cause, which raises concerns about the fairness and transparency of Chime 's practices. 

I kindly request the CFPB to investigate this matter thoroughly and ensure that Chime provides a clear and valid reason for the closure of my account. Additionally, I seek assistance in reinstating my account or facilitating the transfer of my funds to an alternative financial institution without further delay. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to protect consumers from such arbitrary actions by financial institutions and ensure that my issue is resolved promptly. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

I used external transferred {$1.00} on US Bank webside on XX/XX/2023 to Lending Club My account XXXX was debited {$1.00} XXXX XXXX stated they never received this {$1.00}, I checked with them many times. 

I called US Bank XXXX several times and went to the US Bank branch in XXXX, CA, so far the problem still not resolved. 

Now I closed the XXXX XXXX account, I need US Bank to CREDIT BACK {$1.00} to my account. 

BTW, I used external transfers between my US Bank and XXXX XXXX previously, they all went through without any issues.
Consumer complaint received 2023-09-12
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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Un- authorized Inquiries and accounts XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (MD)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Mariner Finance USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Mariner Financial the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Mariner, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (HI)

I got a new cell phone and updated my new number on website. Since then Chase 's website does not recognize me and requires me to go through a long process to verify my identify which can take XXXX minutes or longer. Customer rep takes a long time to " fix '' my login to get me into my account. However the next time I try to access my account I have to go through the same long process again. This happens again and again ( XXXX XXXX ). Not having easy access to my accounts does not allow me to monitor charges.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has reported a debt against my Social Security Number that has heavily affected my credit score.MCM has reported the debt as being opened in XXXXXXXX XXXX XXXX. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is MCM giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with XXXX. In the response to this complaint.I would like to know how and why XXXX is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay XXXX or MCM.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THE 3 BUREAUS ALLOWED 205 INQUIIRES WHILE HAVING A FRAUD ALERT ON ACCOUNT. THE PERSON TRIED TO OBTAIN A CAR AND NOBODY NOTIFIED ME OF THESE INQUIRIES
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2023 I received a requested Mortgage Loan Approval from Mortgage Loan Originator ( XXXX ). After locating a property I am attempting to purchase in XXXX XXXX. my realtor contacted the XXXX to confirm loan approval which the XXXX sent to her. The XXXX then began pressuring me to send her the required paperwork after I had begun the property transaction, including XXXX XXXX. After locating and sending what she had requested, I received disclosures for the property loan and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I questioned the content of the disclosures to which the XXXX responded she would have to look into it. I sent additional questions to the XXXX to which I received a re-disclosure with a vague explanation and no answers to my previous questions. I took a picture of the XXXX documents for demonstration, not for informative purposes and asked additional questions not having received answers to anything. I was then contacted by Mortgage Loan Processor ( XXXX ) with additional documentation requests, a statement a XXXX/3 officer at my local 5/3 bank could not explain and coercing me to submit them with the initial signed disclosures within XXXX days with no explanations. After submitting the initial signed disclosures, she then informed me she needed the re-disclosure as well. After informing her that I believe she needed to consult the 5/3 legal department, I was shuffled back to the XXXX. I informed the ( MLP ) that I was only going to correspond through email. The XXXX then contacted my realtor and myself and informed us that she did not understand the disclosures herself and informed me that there were mistakes on them. After consulting another lender, my realtor informed the XXXX that I was withdrawing my loan application from 5/3, to which the XXXX responded no worries. I take this to mean that she is apathetic about the fact that 5/3 bank has wasted so much of my realtor, the seller of the property and my own time and has possibly cost me the employment I had arranged in XXXX. The XXXX then contacted me by text and requested that I respond by text withdrawing my loan application. Realizing this should be done in a more formal way, I emailed my withdrawal to the XXXX and requested verification that I did so. I have attempted to get this situation resolved through the XXXX XXXX XXXX and the Office of the Comptroller of the Currency. Fifth Third Bank officials are refusing to accept responsibility. They claim that I do not understand the loan process. I have had XXXX other loan officers view these documents and both agreed that they are faulty. As stated previously, the Fifth Third Bank XXXX for this loan confirmed to my realtor and myself that there are mistakes.
Consumer complaint received 2023-10-26
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. (IL)

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

These furnishers continue reporting false, inaccurate information on my credit report. XXXX and Experian continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (PR)

In XX/XX/XXXX, I received a letter that the Santander bank was sold and my account was transferred to Firstbank. I did not know the status of my account. Then I found out that my account was still owned by Santander bank. There was a misunderstanding by myself and I lost access to my internet account in approximately XX/XX/XXXX. My card expired in XX/XX/XXXX and I did not received a new card. This led to assume that my account was going to be managed by Firstbank. In XX/XX/XXXX, I saw in my credit report that there was a balance of {$19.00} in the account and I made a payment through my checking account through my bank 's internet service ( XXXX XXXX ). During those three months, I did not received a notification of a late payment nor a statement of the bank that I had a due amount. Today XX/XX/XXXX, I received a notification of late payment reported to the credit score ( XXXX XXXX ). I made a call to the bank regain access to my account. I found out that I had a past due with Santander bank. Furthermore, I received a letter of first notice of delay of credit card, 4 months after the first due. This was the first and only communication that Santander bank has sent me since the acquisition by Firstbank. This means that Santander bank never sent me a credit card bill for the amount due before this 4 month past due notification. If Santander bank had sent me the monthly credit card bill, I would've paid it as I have been paying all my other credit card bills. The amount due was {$18.00} and they never sent me a bill for that amount. I don't know how I am suppose to know that I owe money to the bank if they don't send me a bill to pay.
Consumer complaint received 2023-08-04
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. (SC)

XXXX IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

I checked my inquiries and saw XXXX XXXX XXXXXXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX  on XX/XX/XXXX never applied for any credit. XXXX XXXX XXXXXXXX again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this SYNCB/Amazon on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.