davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (GA)

On, XX/XX/XXXX I filed an online credit dispute with XXXX. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the XXXX  day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to XXXX requesting the remove of the credit item based on the failure to complete an investigation in XXXX  days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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. (NY)

I have wrote disputes to XXXX and experian to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both experian and XXXX has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (AL)

Dear debt collector : I have reviewed my Credit Report and found out that you are reporting a debt that I believe is incorrect. I do not recognize the original creditor, the date opened and or the amount of the debt. You can contact me in writing, and provide me with the following information. 

Be advised this is not a refusal to pay, but this is a formal notice that your claim is disputed and FULL VALIDATION is requested, under the Fair Debt Collections Practice Act ( FCDPA ) made under 15USC 1692g Sec. 809 ( b ) of the FDCPA and section 609 ( a ) ( f ) ( A ) of the Fair Credit Report Act ( FCRA ), this is NOT a request for ver ification
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

My flight was cancelled by XXXX  last minute. I had to book a hotel, XXXX, food, and flight. This should all have been covered by the travel insurance. I have submitted everything. I should have been paid within XXXX days and its been OVER XXXX months. I have submitted all the proof several times and they are not paying me back.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

XX/XX/year> RE : I HAVE BEEN CHEATED AND ROBBED BY CHIME Dear Consumer Financial Protection Bureau ( CFPB ), I have been cheated and robbed by Chime. Please review Attachment XXXX, which is a response from Chime to my original complaint. The response confirms that I have met all the necessary requirements to be eligible for a sign-up bonus from XXXX and was advised to wait XXXX  days for the bonus to post and be available. 

As directed, Ive been waiting for the XXXX mark. On XX/XX/year>, I received an email from Chime advising that my checking account is closed ( Attachment XXXX ). I did not request the closure and did not do anything illegal to necessitate this. 

I just spoke with a customer service representative from Chime who confirmed that the checking account has been closed, the {$5.00} I had in the account will not be refunded, and the bonus will not be paid out by XXXX. The representative refused to provide any additional information and/or clarification after I asked numerous questions. 

It is unfortunate that Chime continues to lie to, cheat, and apparently now XXXX their customers. I intend to file a complaint with the XXXX XXXX XXXX XXXX XXXX  ) but am sincerely hoping your agency can help me to resolve this matter. 

In summary, I am requesting that : Chime contact XXXX and advise to issue the XXXX XXXX  I am eligible for, and Give me my $ XXXX back which was in my account when Chime decided to XXXX me, and Provide me with {$500.00} as XXXX for the hours Ive spent trying to resolve this matter due to the negligence of their untrained staff and deceptive business practices. 

I am hoping your organization can help me. 


Thank you, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX, I received a text message from collection company stating, Greetings XXXX! 

Welcome to XXXX. XXXX XXXX XXXX has asked us to reach out to you regarding acct #XXXX  We're eager to provide you with the most XXXX  account resolution experience imaginable. Visit our friendly portal to make a payment or create your own payment plan. 

Adler Wallach & Associates XXXX XXXX On XX/XX/XXXX, I contacted the toll free number and was told that I owe the medical facility {$21.00} for services that I received on XXXX/XXXX/XXXX. I explained that I never received a single bill from the XXXX XXXX XXXX regarding the amount owed. 
On XX/XX/XXXX, I contacted my medical insurance, XXXX who informed me that my insurance was active during XXXX and they reached out to the collection company and to XXXX XXXX. XXXX stated, XXXX XXXX explained that the collection was sent in an error.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have digital secure on my XXXX. I have numerous reports that my social security number is compromised. I froze my credit reporting on XXXX and XXXX. But Transunion website is not working and Im unable to freeze my credit report.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

I have not yet received my direct deposit. Upon contacting the HR department of my company, they assured me that they will submit a claim on their end. I then informed my XXXX XXXXXXXX about the issue, who mentioned that the deposit had been sent to my account. After reaching out to XXXX XXXXXXXX, the service responsible for handling employee payroll, I was informed that the deposit was sent to my Cash App account ending in XXXX. I contacted Cash App and they escalated the matter to their specialized team for further assistance. They requested verification of my identity, which I promptly provided to the customer service agent, XXXX. I was informed that it would take XXXX business days for them to verify my account and release the funds.I can't believe it! I have urgent bills to pay and mouths to feed! Despite my pleas, they stated that there was nothing they could do at the moment to expedite the process. I requested to speak with a supervisor through two different customer representatives, but have not received any email from the supervisor as promised, even after XXXX hours.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NV)

AVANT card never use, they rip off by not posting your payment in time to charge you more interest. 
On XX/XX/year>. I paid Avant in full. My current as of XX/XX/year> balance showed {$1400.00}, and thats what I paid them. My bank posted the payment XX/XX/XXXX and taken the amount off my checking balance. I checked Avants website on XX/XX/year> and it showed that my balance was still {$1400.00}. Avant have not subtracted my payment. 
On XX/XX/year>, I looked at my dashboard in Avants website. My balance has increased from XXXX {$1400.00} to {$1500.00}. They added {$28.00} in interest charges when they should have not, because my balance was {$0.00} as of XX/XX/year>. Avant claims that it takes 14 business days for them to process customer payments. I asked to speak to an Avant supervisor and the representative said that he was busy and unavailable. 
I called my bank XXXX about the problem and they proposed making a stop payment. I agreed. After a few minutes I changed my mind and told XXXX not to put a stop payment against Avant and they said okay. A few days later I found out that XXXX failed to put a stop payment against Avant and the result was Avant charged me {$40.00} in late fees. 
XX/XX/year> I paid Avant {$1400.00}. This made my balance XXXX. 
XX/XX/year>, I found out that Avant charged me {$40.00} in late fees and interest which totaled {$64.00}. I paid it and that made my balance XXXX. 
On XX/XX/year>, I discovered that Avant charged me {$5.00} in interest when I didnt charge anything for more than a month. I called Avant and they said they charge interest for 2 billing cycles. I told them that is not standard practice and the representative told me that I agreed to the terms and conditions. I told them that I did not agree to this condition. She told me then why do you have this card? I told her to cancel my card and I will not pay the {$5.00}. Now I want to file a complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (SC)

On XX/XX/year> I tried to withdraw {$120000.00} from my savings account to be transferred back to the account that it was deposited from. 
On XX/XX/year> the amount was noted as " posted ''. No transfer was made. 
On XX/XX/year> I contacted the bank and they informed me that they had placed an 'Alert ' on my account and locked it from access. They said that they couldn't 'verify my identity ', even though I provided them with my name, DOB , SS #, secret password, DL state and #, email, 2 phone numbers, AND I can still login to my account online.

I have seen online where several people have had this same issue with Marcus by Goldman Sachs. 
They are now holding my money and will not allow me to access it. This account is a year and a half old and my funds have been deposited into it since I opened the account. 
They will not allow me to withdraw my savings or close the account. 
Any help would be greatly appreciated.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (ND)

Went on cash app after having someone send me money for a motel room since my car and belongings were stolen the night before. Bought, {$70.00} in bitcoin and all of a sudden my cash app was locked and I couldn't even transfer the bitcoin to my cash balance to get it out. They want me to vefiey with my id card but it was in my wallet in my car when it was stolen, they refuse to offer any other alternatives. That's all the money I have right now I need it. I have verified my identity several times already with my id it should be on file.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (GA)

Used cashapp debit card to purchase meal from restaurant ( XXXX XXXX ) to order XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not received I ordered through the XXXX XXXX XXXX app purchase was {$31.00} on XX/XX/2024 around XXXXXXXX XXXX asked Merchant for a refund they refused refund and offered coupon instead I disputed with cashapp who denied me twice due to XXXX XXXX saying they did provide services when they in fact did not.
Consumer complaint received 2019-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DOLEX DOLLAR EXPRESS, INC. (CA)

My cousin call that he was in the car accident and he needed {$800.00} to pay the lady because he didn't have insurance on his car and she would be good. That she had her brother that passed away and was going to XXXX so I sent transaction # XXXX. Then he called again and said he need {$500.00} more to fix his car and which I sent on transaction # XXXX. Then, this person called again and wanted more. So, it sounded suspicious and I called his wife and none of this was true. The number that called me was XXXX. So i called to cancel and get a refund at number XXXX ( XXXX ) XXXX. They said there was nothing they could do but block this person on therein because it has it was cashed out. 
My phone number is ( XXXX ) XXXX XXXX or ( XXXX ) XXXX XXXX
Consumer complaint received 2024-08-17
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Mazda Financial Services XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Inquiry Regarding Suspected Fraud Dear, Financial Services I am writing to formally inquire about a matter that I suspect may involve fraudulent activity related to my Credit Report with your company I did not apply for any services with your Organization. I did not give oral or written consent for your company to access my credit report. Under the FCRA states that only businesses with a legitimate reason to check your credit report can do so, and generally you have to consent in writing to have your credit report pulled. I have recently noticed suspicious activity, e.g., unauthorized transactions, changes to my credit report, etc., which has raised my concerns regarding the security of my account. 


Please treat this inquiry with urgency, as I am concerned about the potential implications of this situation. I would like to ensure that my account is secure and that any fraudulent activity is addressed promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XX/XX/2024
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXXXXXX XXXX  worked with when I was very sick I must give them credit and I appreciate it and told them so. My engine in my truck went bad drop lifters on one side the cost was XXXX I had to barrow some of the money to fix it. I called and told them what going on and ask fit time to fix my vehicle and they agreed and said if I needed anymore time to keep them informed. We agreed on when my next payment was due. The shop was running a few weeks behind so I called XXXX and to them what the shop said and they also was told by me who was doing the repairs. I told the bank it would be ready in a week and I would send in my payment on the following XXXX XXXX of the month I get social security. The very day the truck was fixed they repossessed it after a few hours of me paying XXXX and taking it home. I paid XXXX down payment when I bought it and XXXX on repairs. If I would have not paid XXXX to fix it, if I thought they would take it. They sold it with in a few weeks for more than I owed and kept the money. I've been sending emails and calling them ever since.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

I was scheduled to close on a house on XXXX/XXXX/16. I signed all the closing documents and paid my closing cost with a cashier 's check ( I have copies of all my signed closing documents already ). As the title company tried to fund the closing they discovered they could n't because JP Morgan Chase did not send the CD to complete closing despite the countless calls and emails from both attorneys. Now I 'm out of my closing cost with no house, I 'm staying in hotels which is costing me more money, taking days off work for nothing at all and all Chase is doing is coming up with false excuses as to why this happened and has still not sent the CD which all parties are frantically awaiting. PLEASE, PLEASE, PLEASE, if you can help get this resolved so this close can happen very very soon, I, the seller, the attorney 's, WE ALL would be so very greatful.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MECHANICS BANK (CA)

CFPB case # XXXX response from consumer complaint dated XX/XX/year> The CFPB email response dated XX/XX/year>, is completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. The fraud accounts in question are listed below. XXXX, XXXX and Mechanic Bank
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

I received a call from Citibank that sounded fraudulent. I asked for a number to call back and when I did, they answered Citibank, XXXX. 

The representative told me that someone in XXXX XXXX opened a checking account in my name and had 2 transacations, one for {$1200.00} and XXXX for {$800.00}. 

They also said that I had to call XXXX to remove the transacations. I was hesitant to call, but they insisted that only XXXX could remove the transactions, phone number was XXXX. I spoke to a XXXX XXXX at extension XXXX who tried to walk me through the process of removing the transactions which didn't work. When i tried to call back no one would pick up or i would be put on hold then hung up.

Both numbers are now not reachable.

I called Citi credit card fraud unit who ran a check on my social security and said no accounts within the bank were opened.