davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

This is my formal legal statement of debit card XXXX  that took place on my CHIME XXXX Debit card account ending in XXXX  XXXX. My debit card was XXXX  & used without my authorization. I contacted Chime customer service ( XXXX XXXX XXXX, XXXX ) within XXXX business day of identifying that the XXXX  transactions had taken place. I also had my phone XXXX  as well and reported this to local law enforcement. Report attached. 

The XXXX XXXX XXXX ( Chime bank ) Is in clear violation of EFTA law & XXXX XXXX XXXX XXXX XXXX listed on their website since they are denying the debit card dispute claim XXXX  so we will be pursuing this further since we have evidence that a crime took place with XXXX  phone & XXXX  debit card amongst other things that were XXXX. XXXX I've reached out to legal counsel on this matter and have been provided with next steps regarding my rights and EFTA Regulation E and have contacted local law enforcement and that statement has been legally documented as well and recorded in the report. 

Additionally please note that I've requested that surveillance footage be pulled at these merchants to identify who used the XXXX  debit card and what signatures were used so that we can press charges. 

Claim : XXXX XXXX  debit card ending in : XXXX Date XXXX  Tansactions Reported : XXXX XXXX business day after the XXXX  had taken place. 

Statement of facts : On Monday XX/XX/year> I discovered my debit card was missing and I identified that it had been used without my consent. XXXX transactions. Totaling {$360.00}. Transactions listed below. I immediately contacted CHIME customer service via phone to report the XXXX  on Monday XX/XX/XXXXXXXX XXXX XXXX XXXX pm cst and the representative took down the report and started a debit card dispute XXXX XXXX. 

Please reverse the charges back into my checking account in accordance with XXXX XXXX XXXX XXXX XXXX & EFTA regulations. I have reported the XXXX  within XXXX business day of the debit card XXXX  taking place and have filed a police report as well. Police report tracking XXXX XXXX filed with XXXX police department. Additionally please investigate the signatures that must have been used to sign off on these charges as this is also a crime. 

XXXX  debit card transactions : MXXXX 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 Please ensure that my debit card account is replaced and all XXXX XXXX  debit card charge totaling {$360.00} are credited back into my account in accordance with EFTA & XXXX XXXX XXXX XXXX XXXX. These transactions were not done by me nor anyone that I know but I will be pressing charges if police is able to retrieve my property that is missing, including phone and CHIME debit card.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

I wanted to purchase XXXX a total of {$560.00} the total transaction came up to {$570.00}. Initially i had the money to purchase in my bank account but i moved some because i needed to make a different purchase. I come back and i see my account is in the negative for about {$500.00} dollars. So i move some money back in my bank account to bring my bank account balance up to positive. I open paypal and im also in the negative for {$570.00}. They held my crypto transaction of {$560.00}, but it has now been released & im in the negative about {$14.00}. 
I am saying all this to say i shouldnt be in the negative, i should have my {$500.00}. 

The money was in/moved in my bank to cover the paypal transaction so i shouldnt be in the negative with paypal. I should have my full crypto sale of {$560.00}.
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

XXXX financial Amazon credit card takes three weeks to process a check. Their statement only allows two weeks. They have charged me {$29.00} late fee for a payment they haven't processed. They want me to send them the cancelled check to prove I paid. But It hasn't cleared my bank.

I have previously paid by bank transfer to avoid a late fee, then two days later my bank receives the original so I end up paying twice. This has happened two times. This time I contacted them on the due date to challenge the late fee, but was told to wait. Two days after the due date I have been charged {$29.00} By the way, a check I mailed to XXXX XXXX on the same day cleared my bank 14 days ago.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Mortgage company has failed to pay my property taxes which are now delinquent.I notified the mortgage company multiple times starting on XX/XX/19. 
I have called them multiple times as well as emailed with documentation. I asked for follow up which I do not receive. 
As of today the taxes are still delinquent. I attempted to call and leave a message for a contact person there however voicemail is full.
Consumer complaint received 2024-07-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (TN)

In XXXX of XXXX, a company called XXXX XXXX took us to Court and placed a Lien on our home, in the amount of {$26000.00}. A payment plan of {$50.00} a month, was granted and was paid every month, until XXXX of XXXX, which exceeds the Statute of XXXX year Limitation. 

Real Time Resolutions , Inc., sent us a letter, dated XX/XX/XXXX, stating that they purchased this XXXX from First Plus and that we owed them {$36000.00}. 

I spoke with a XXXX XXXX regarding this letter in XX/XX/XXXX and gave him the XXXX File # XXXX and he at first, told me to disregard the letter, because the account was over XXXX years old, put me on hold, then came back and asked me did I want to send in a payment. 

I explained to him that payments had been made through the Courts, since XXXX, the payments were over XXXX years and if they bought this Lien from XXXX XXXX I wanted a Lien Release. 

XXXX XXXX told me they could not send a Lien Release, until {$36000.00} was paid to them. I told him that was not going to happen. 

I do not understand how this Company can try to get money from us and why they are refusing to send a Lien Release. 

XXXX XXXX XXXX Real Time Resolutions , Inc . 
Companys Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2024-04-30
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. (TN)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC (MS)

In XX/XX/XXXX I apply for a refinance loan with Rocket Loan ( Quicken Loan ). I spoke to XXXX XXXX who was my loan officer. While going thru the process, I inquired about A previous loan with Quicken Loan. XXXX XXXX loan # XXXX which I applied for around XXXX. I explain that I had gone thru the process with him and was denied that loan because of the appraisal. In XXXX I was approve of a construction loan of {$140000.00} with XXXX XXXX XXXX  and my appraisal was {$160000.00}. I explain to XXXX XXXX that I had a bad experience with XXXX XXXX loan process where the appraisal was {$120000.00}, which caused my loan to be denied, and I lost the {$500.00} appraisal fee. She ( XXXX XXXX ) asked for the loan number that I had which was # XXXX. XXXX  entered it in the system and that number was invalid. I was in disbelieve and realize then that I was a victim of predatory lending servicing discrimination. Because of this appraisal my property value has been into question. This has hinder me from getting a home loan also. I feel this is one of the factors that prevent me from creating wealth for myself. This has been a traumatic experience.
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I began making payments using the Nelnet website in XXXX XXXX each time I submitted an online payment a confirmation was emailed to me. After two months of making these online payments, I then received an email saying my account was delinquent.

After waiting approximately one hour on the phone, I was finally able to get a person to speak to. This person confirmed my account was past due and admitted that they noticed I had attempted to make payments. They offered no real solution other than to check my account information which was correct. I was able to make a payment at this time successfully.

After the situation, I decided I would no longer use the website. The following month I once again called the provider to speak to a person and pay that way. I was once again successful.

My confidence grew in the organization and so I decided to make payments using the telephone automation. I made two consecutive payments using this method and received confirmation on each occasion. However I received an email the following month that my account was placed in forbearance for non-payment. 

Nelnet has not provided any insight as to how this is occurring. Several employees informed me that my payment information must have been incorrect as they could not locate the account. I have verified it several times and each time it was the correct information I spoke to my bank ( XXXX XXXX ) and solicited advice. They advised me to set up online payments through them instead of Nelnet. I attempted to do this, however I needed more information than my account number. Nelnet refused to give me this information and told me to handle it all through my bank.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (MD)

How is this account a lost to The bank when they didnt issue any funds to my account It was a credit builder account a secured account.Where I paid no money to start I only paid monthly payments they did give me a credit line for me to use.So how is it a charge off or lost to the bank .I will be filing a federal lawsuit this crazyThe account was closed due to a hardship I wasnt working XXXX will see this bank in court This is a clear violation of FCRA
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had a long banking relationship with XXXX XXXX. I had a credit card for about 10+ years, IRA and many bank accounts. I ended my banking relationship with after they allowed XXXX to steal {$1500.00} from mine and my son 's account. I opened a new checking account with XXXX. I continued to make cc payments through that XXXX accnt monthly. XXXX & XXXX paid XXXX with XXXX XXXX. They actually closed my credit card which I was like fine. I will pay if off. I made a large phone payment through my XXXX account in XX/XX/XXXX XXXX. I had a small balance after of XXXX. I logged on to make payment and the XXXX account I was using wasn't in the system to make the payment. I tried to add the account and they created they verification system where they said they needed to deposit into my account and I needed to check my checking account several days and come back. All that garbage which is just ridiculous. I Didn't have any issues with the large XXXX payment and all previous payments why did they create additional steps. XXXX XXXX reported me late for missed payment. Other creditors picked up on the late and they reduced my business credit card that I use for my business due to XXXX XXXX Negligence.
Consumer complaint received 2024-04-30
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)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am filing this complaint against USAA Federal Savings Bank for improperly returning a payment to my mortgage company, resulting in significant financial damages and harm to my credit.

ACH payment was initiated from my USAA account to my mortgage company. Despite having sufficient funds available, USAA erroneously returned this payment. I was not notified of this issue until after XX/XX/2022, when my mortgage company sent me a notice. 

On XX/XX/2022, at XXXX XXXX, I contacted USAA about this incorrectly returned payment. The USAA agent acknowledged that funds were available in my account at the time of presentment to the payee, confirming the bank 's error in not honoring the payment. While USAA reversed their {$29.00} NSF fee, they refused to compensate me for the additional charges imposed by my mortgage company as a result of their error.

This error by USAA resulted in the following damages : 1. A {$29.00} returned payment fee from my mortgage company 2. A {$120.00} late fee from my mortgage company 3. My mortgage being reported as 30 days late to credit bureaus, causing a significant drop in my credit score 4. Expenses incurred for credit restoration services to address the credit score drop 5. Denial of credit applications due to the lowered credit score 6. Potential long-term impacts on my creditworthiness and financial opportunities USAA 's actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to conduct prompt and reasonable investigations of reported errors [ 1 ]. Additionally, USAA 's failure to properly process my payment may constitute an unfair practice under the Consumer Financial Protection Act [ 1 ].

I ask the CFPB to investigate this matter and ensure USAA complies with all applicable laws and regulations, including the EFTA, Regulation E, and the Consumer Financial Protection Act. I also request any additional compensation or remedies to which I may be entitled under these or other relevant laws.

Citations : [ 1 ] https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-usaa-federal-savings-bank/ 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 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

Mohela is not counting several chunks of months under qualified PSLF employment. My loans should be forgiven, instead they are showing over 20 months left and have resumed payments. I have called several times showing the gaps and how they overlap with my verified employment. 
Also when you self certify on their website, it shows in bullets that all repayments plans count towards PSLF. They tell you on the phone that is not true.
Consumer complaint received 2024-05-30
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: CITIBANK, N.A. (NY)

credit bureaus what was the amount owed on this XXXX XXXX Citibank account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (AR)

I received a text and phone call from Axos XXXX XXXX XXXX unit XXXX morning, XXXX XXXX. They said there has been an unusual charge of {$85.00} from some movie place. I told them I knew nothing about that and the fraud unit deactivated my debit card. I told them I just have money direct deposited in the account the night before and how was I to access my money now. They told me to contact my bank .I did contact Axos on XXXX and they reissued me a debit card. The axos rep stated I would have to wait 5 to 10 business days to receive the card. I asked how I was suppose to get access to my money in the meantime. The axos rep said I would have to wait 5 to 10 business days. That is not acceptable.. I tried onXXXX XXXX XX/XX/XXXX, to use the " move money " feature on the Axos app and send a payment to myself. The send money page said that it would be sent the next business day.. well I waited all day and I contact Axos again and the rep says my payment won't be sent until tomorrow ( XXXX XX/XX/XXXX, ) that is unacceptable. The app said it would be sent next business day. I tried to transfer money that was direct deposited into my account last night and to a prepaid debit card linked and verified to my Axos account and it says XXXX to 5 days till I receive the money. I have been without access to my money for 5 days now .this is not right.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I contact XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> sending a certified letter requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$770.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for the complete account number and the amount of the debt. As well as a detailed explanation and itemized statement of the charges and fees associated with the debt. In addition, a copy of the charge-off statement, a copy of 1099-c, and proof that the alleged debt is owed by me including any signed agreement or contracts, including any agreement that grants you authority to collect on behalf of the original creditor. 

As of today, I have not received any documentation from the company.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management is the collection agency, and on XXXX I asked for a copy of a signed contract for this debt and told them I was disputing this debt, and I never received a copy of a signed contract that this was my debt, and I don't believe that it is and now my pay is being garnished at 25 % and when I spoke to them again on XXXX when I saw several things in my credit report with the Midland name on it I again asked for signed documents that show it's mine and informed them they have 21 business days to get that to me and that they failed to comply with the time I spoke with them on XXXX and then was told I better send it to them in writing and I told them it's their place to provide me the documents I requested.
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (PA)

Notice of Dispute I am writing to file a formal complaint against WELLS FARGO AUTO for their continuous harassment of me regarding a complaint I filed with the company. I believe that the company has violated several laws, including the FDCPA, the FCRA, and the Graham Leach Bailey act. Furthermore, when I asked how they were protecting my privacy, they continued to violate my rights. 
Despite my attempts to resolve this matter, WELLS FARGO AUTO has been continuously harassing me, which is a clear violation of the FDCPA. Additionally, the company has failed to properly address my concerns about my privacy, which is a violation of the FCRA. Moreover, WELLS FARGO AUTO has not responded to my affidavit, with a affidavit sign under the penalty of perjury, which is a violation of the Graham Leach Bailey act. 
I am deeply concerned about the impact this is having on my life. The harassment has caused significant hardship for me, including damaging my credit, reputation, and overall financial well-being. I would like to be compensated for the difficulties and suffering that I have endured. IM SO TIRED OF HARASSMENT & VIOLATIONS!!! 
Therefore, I urge the CFPB to conduct a thorough investigation into this matter and take appropriate action against WELLS FARGO AUTO. I demand that the company adhere to all laws and regulations and respect my rights and privacy.