davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

I ordered goods online that were partially stolen in transit. I attempted to send back what did arrive. I filed a police report and provided it to the credit card company and XXXX directly. I spent months dealing with this case constantly being harassed by phone and mail. I spoke with someone in XXXX who said one department had approved the credit to my account in XXXX of XXXX, but the calls and letters keep coming. My personal credit is at risk and Im tired of receiving calls and letters.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

XXXX XXXX I received a fraud alert from somewhere in XXXX ( I live in XXXX ) asking if I was XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I replied XXXX, I received another message saying it would be blocked. 
A few minutes later I checked my email and there had been a login from another device also in XXXX ( XXXX ) to be exact. I tried getting in my acct.and my credentials didn't work I called Chime and told them what was going on and they assisted me in getting in my account. 
When I recovered my account I saw where my money had been moved around and XXXX pay anyone transfers had been made to a XXXX XXXX XXXX for {$2000.00} and XXXX for XXXX both for rent. I do not know this person or the other number where money was moved around and then added back to my account. I provided all of this documents to chime and claim has been denied 3 times already. 
I do not nor have I ever paid rent using this account. Also after responding NO on XXXX for XXXX XXXX XXXX XXXX that money came out and overdraw my account.I also disputed that and it also was denied.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current (IL)

On XX/XX/27 I transferred {$220.00} from my XXXX XXXX XXXXXXXX XXXX ) checking account to my Current ( XXXX XXXX XXXX ) checking account. 

Initially, it said it was approved. Then pretty much instantly I got another email saying it was denied. 

It left my XXXX account just fine, no issues on their end whatsoever as far as I know. 

It never appeared in my Current account, and my statement has two " failed deposit '' charges on it. Yet, they somehow took my money from my XXXX account. So, it appears it was a " successful deposit, '' from what I can see If it had " failed, '' I would certainly expect the money to have returned to my account after XXXX XXXX, yet it hasn't. And nobody can explain to me just where my money has gone, or is at currently. 

I've emailed both banks involved and XXXX assures me that the transaction was indeed successful ( which is what I expected, since the money left my account ). 

I requested to talk to a supervisor at Current and got back a message saying basically the same thing the first guy told me, " it was a failed deposit, so it can't be disputed. '' So I asked to talk to HIS boss, because that's ridiculous, and now they've ghosted me. 

There is a bit more though : I was initially told by Current that this happened because I had reached the limit for funding via an external debit card. So, I asked what that limit was ... to which I did not receive an answer. I DID however get emailed a new customer agreement in the midst of all this, which has a pointedly ambiguous section re : external funding limits, their policy being : " there are limits. '' OK. WHAT limits? I should probably know, if I'm hitting them. So I ask. And this is where the story magically changes from me having hit an external funding limit to me " not having sufficient funds. '' Which is it? I feel like the answer is, in truth, " neither. '' PLEASE help me hold this company accountable.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper purchased the servicing of this loan about 6 months ago and they have a nightmare. I paid a higher rate on my mortgage not to escrow, I have provided my taxes and insurance XXXX times and they continue to force place an escrow. This is a UDAP violation
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NC)

I asked about how to apply for Loan Forgiveness. I was told I was not in the correct repayment option. I was told documents would be sent. I have worked in the Non-profit world for close to 20 years. My loans should have been forgiven.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

On XX/XX/year> my property was struck with a category 5 hurricane and state of emergency. The property was damaged and the fence that protected the pool was destroyed. It took several months to get a permit and do to the high demand due to the emergency it was delayed and costs increased for repairs and construction. My county advised me that there was a program to assist and permission to defer taxes due. I applied to FEMA which was required first. Property taxes became past due and my mortgage lender placed forced escrow and required an immediate payment of {$18000.00} and increased mortgage payment from {$1500.00} to {$3100.00} to include prepaid taxes and insurance. I tried several times to get a detailed breakout of the {$18000.00} and disputed that amount since only may taxes for a few months late, my insurance was current and prepaid. Each time I called my lender they told me they could not provide the information but would send a letter, I would wait and I would receive the incorrect information and I would contact them and they would resend. The forced a new insurance policy that was more expensive and I already had prepaid for my insurance but they said forced escrow is bundled with taxes. They rejected my monthly mortgage payments due to the {$18000.00} that grew quickly. In XXXX I wired a payment of {$20000.00} which included the maximum prepaid escrow per RESPA however the lender did not accept and wanted that I pay both insurance premiums, my prepaid and their forced placed, and added taxes prepaid to monthly and also more than 2 years advanced taxes including monthly prepaid.
Consumer complaint received 2023-11-05
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. (NJ)

remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (NY)

I opened a new AppleCard credit card ( from GoldmanSachs Bank ) on XX/XX/year> because they promised a {$100.00} AppleCash bonus if I spent {$500.00} on the AppleCard credit card in the first 60 days. I spent the required {$500.00} in the first 60 days but AppleCard has not given my the promised {$100.00} XXXX bonus. I am uploading a PDF of the AppleCard website showing this offer and its terms ( which have been met by me ). Please also find a link to the offer here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/XXXX, I took out a car loan with credit acceptance. I had just had a baby and needed a three-row vehicle. I fell behind in the payments and have been paying, with reoccurring automatic payments, a specified amount each month. But since my payments are so high, I am only able to put {$XXXX} per month towards my arears. Because of the high interest rate and nonnegotiable terms, I am unable to get caught up or even close to breaking even. At this point, the car will be long gone before I am close to paying off the loan. 
The high interest rate and cost of the vehicle at the time of purchase, there was no way I would have been able to keep up and credit acceptance should have known that. 
Currently, I pay {$XXXX} twice a month. My standard payment is {$XXXX}. I bring home roughly {$XXXX} a month. I have XXXX children, including XXXX in daycare which those circumstances have not changed since taking out the loan. My rent is {$XXXX} per month and no utilities or food are included. The cost of the XXXX XXXX XXXX was {$XXXX} and it had XXXX miles on it. The apr was XXXX  % which equals out to {$XXXX} in finance charges total. Had I made all of the payments on time, the total I would pay for the car is {$XXXX} with a total listed of {$XXXX}. {$XXXX} for a XXXX XXXX XXXX. I was not educated or told about the total cost and was desperate at the time. 
Since I fell behind in payments my principle is now XXXX and not {$XXXX}. 
Even now, the payoff amount they are offering me is {$XXXX}. Still more than what it started at. Each month I am hit with an interest charge of {$XXXX} and late fee of {$XXXX}. For example, XX/XX/XXXX : interest charge {$XXXX}. XX/XX/XXXX : Payment of {$XXXX}. XX/XX/XXXX Interest charge of {$XXXX}. XX/XX/XXXX payment of {$XXXX}. 
Why am I being charged a total of {$XXXX} in interest each month? 
If I go back even further, XX/XX/XXXX there is an interest charge of {$XXXX}!
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, a client sent an unauthorized payment to a hacker from XXXX XXXX XXXX  ( Sender ) in XXXX, Texas to a Chase ( Receiver ) account. 

Our client completed the wire transfer form to completion including name of our company and other pertinent information.

A recall was initiated by the Sender and Chase has not been able to resolve the issue.

As we understand the name on the account the wire transfer was sent to DID NOT match our company name and the wire transfer should have been flagged. We believe there was negligence on Chase bank for accepting the wire transfer when there was multiple simple checks and balances to prevent this fraudulent wire transfer.

At this time Chase has been uncooperative in resolving this matter.

The amount wired was {$10000.00}.

Chase has also given misinformation and misdirection. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX California XXXX this is the only correct information. LexisNexis is also reporting two bankruptcy filings. I would like LexisNexis to forward the documents used to determine this information is accurate. I contacted the Clerk of Court and asked were filings given to resellers for reporting and she stated no.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on Affirm Inc. Account, Cease and Desist Request, & Complaint Filed with CFPB Dear XXXX Dispute Resolution Team, Account Information : Creditor : Affirm Inc . 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Paid Off Status : Paid, Closed Reported Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) I am writing to formally dispute the inaccurate reporting of two late payments on my Affirm Inc. account, as reflected in my XXXX credit report. These late payments are erroneously listed for XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally obligated to ensure that all information on consumer credit reports is accurate, complete, and verifiable. I have thoroughly reviewed my records and found no valid documentation to support these late payments. Furthermore, the account was fully paid off as of XX/XX/XXXX, and is listed as Paid, Closed. 

In light of these inaccuracies and the damage they are causing to my creditworthiness, I demand the following actions : Cease and Desist : Immediately cease and desist from reporting any inaccurate or unverifiable information regarding this account, including the alleged late payments for XX/XX/XXXX and XX/XX/XXXX. 

Investigation and Correction : Conduct an immediate investigation into the accuracy of these reported late payments. If you can not substantiate the claims with credible evidence, I demand that these late payments be removed from my credit report without delay. 

Non-Communication Request : I also request that you refrain from any further communication regarding this matter except to notify me of the outcome of your investigation or to confirm the removal of the disputed information from my credit report. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to limit communications from debt collectors. 

Please find enclosed any relevant documentation that supports my claim. I expect a resolution to this dispute within the timeframe specified by law, as outlined in the FCRA. 

In addition, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Failure to comply with these demands may result in further action, including but not limited to additional complaints to regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance and a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (UT)

So I had a XXXX retirement account and a consumer visa credit card and I had an extremely hard time paying my bill because of a hardship. I had quit my job was denied unemployment and still waiting to get approved for social security I neglected to pay my bill and the company would not work with me XXXX credit card my father that past away a year ago had said not to open any accounts with credit cards but I had a really hard time because the advertising was too good too be true I always loved free money when available but nothings free in this world u got ta pay for things and with my XXXX I was struggling to pay my card finally I got it paid in 2  months it was difficult and I closed my account when I spoke to them before I said could u waive the account and they wouldnt work with me Im XXXX  and Im very vulnerable to things so I see things differently than others I have a lot of challenges I have had in my life financially and it put me in a bad place I just thought XXXX would have helped me out and they chose not to I had to suffer and it was hard I had to pull out ot my Ira which I really find it frustrating they charge u to take out of your Ira makes it really hard I dont like to be the bad guy Im usually try and be respectful and responsible but my dad had died that month and it was difficult
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Dear CFPB, I am writing to formally complain about HSBC USA 's handling of my account. I have been a XXXX customer for 15 years. Recently, I sold my property in the USA, against which I had a mortgage with HSBC. My relationship manager ( XXXX XXXX XXXX ) requested transaction details and assured me that everything was in order. However, two weeks later, my account was closed without prior notice. 

Despite an apology from the relationship manager for this error, HSBC has refused to wire the balance of {$79000.00} to me. Instead, they issued a check and mailed it to my address. As a XXXX citizen ( XXXX XXXX ), I can not deposit the check since no bank in my home country, nor in the XXXX XXXX, accepts it. 

It has been over a month, and I have not been able to access my funds. HSBC acknowledges the error but claims their processes prevent them from acting otherwise.

I seek your assistance to resolve this issue and ensure that HSBC wires my funds directly to me. 

Thank you for your help. 

Sincerely, XXXX XXXX