davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone filed for unemployment benefits under my account and then the funds were transferred from my XXXX XXXX  card to an account that is not mine. At the time this took place I was working and therefor not filing for XXXX for a long while. Once I needed to certify for benefits I discovered the fraud ; I found all these certifications and transfers that I did not make. XXXX told me to contact the bank since they are the institute that transferred the funds out of my XXXX debit and to an unknown account. I contacted Bank of America and reported the fraud. They were not helpful and claimed they couldn't tell me where the money was transferred. I filed a fraud complaint outlining all the dates and amounts along with screen shots of my bank account that is linked to my XXXX card, showing that I did not receive any deposits. Bank of America declined my request to have the fraud resolved/ reimbursed without explanation. I appealed and was a agin denied without explanation.

The frauds took place XX/XX/XXXX - XX/XX/XXXX. These are the frauds : Fraud with my XXXX account ending in XXXX XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$200.00} = {$4000.00} I filled fraud charges with the bank but was denied as they said it was an issue to be handled by XXXX. I called numerous times ranging from XX/XX/XXXX - XX/XX/XXXX. BofA denied the claim on XX/XX/XXXX. On XX/XX/XXXX I requested an appeal & faxed proof to XXXX. I was told this was a matter that had to be handled by the XXXX XXXX XXXX. When I was unable to reach anyone helpful on the phone I filed a fraud dispute through the XXXX website on XXXX reference number is # XXXX. I never received any response so I submitted a fraud complaint online again on XX/XX/XXXX, the reference number is XXXX & receipt number is XXXX. I also followed up with the Fraud Hotline # XXXX ( le` message XX/XX/XXXX ). Nobody ever returned my message. At the time I was not working and it was imperative that I be able to file for unemployment. This fraud created great distress for me and it was unbelievable that the agency involved offered no help. To make matters worse, I received a 1099 for the stolen funds and had to pay taxes on the stolen money.

I request that you please step in and help me with this matter. I have documents to support everything I explained above.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (OH)

The company Rushmore called today and left a voicemail telling me to call them back. 
I did and it placed me into a loop and I couldn't speak to a person and could not get the information I am requesting
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Hello, Equifax has left my account like this for over ( XXXX ) months. 

When trying to pull my credit report on annualcreditreport.com am unable to pull the report online without waiting for something to come in the mail a couple weeks later when the information is outdated by then. 

I also tried pulling it directly from my equifax.com account and get an error message there, also. 

Equifax has been working on it for over ( XXXX ) months. 

What can be done so that I may be able to pull my report online? 

Thanks. 

XXXX XXXX XXXX ( XXXX ) XXXX Sent from Mail for XXXX
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (GA)

I made a purchase using the Affirm account. I made my automatic payments on time. XX/XX/XXXX a final payment was sent to Affirm. On XX/XX/XXXX Affirm withdrew an additional payment from my bank account. On XX/XX/XXXX Affirm processed the payoff payment sent on the XXXX. I called Affirm on XX/XX/XXXX, XXXX, and XXXX, XXXX seeking information on the refund of the overpayment. I was told a refund could take up to 10 days to process. On each of those calls I was told the refund would be processed. On XX/XX/XXXX I asked to speak to a supervisor. The supervisor apologized for the delay, said he would expedite the refund for me. On XX/XX/XXXX I had not received the refund so I called again. I was sent an email stating the refund was being processed. As of XX/XX/XXXX I have not received the overpayment refund. I have called XXXX additional times for an update and a tracking number and no one can provide any information to me.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX  Balance : {$5700.00}.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (AL)

I have had a target credit account for almost ten years. 
I had to take a trip abroad for a work emergancy, and the first change I got I called to pay my bill, and they collected payment information, and even transferred me to put the travel notification on the card, only to find out they closed my card two days ago, and said there was nothing they could do. It was two days, even though I paid the amount currently required. How is this fair when it was impossible to contact you.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

XX/XX/XXXX They said I violated deposit regulations when Im back the deposit that I received came from with an account that was with the same bank. They put a hold on my mothers account released our phones back to her but they took over {$700.00} from me and said that I would get the money back in 30 days and that was in XXXX of last year I have not received the money and every time I call I get the runaround theyre just keep bouncing back from person to person thing I violated when looking at their rules in their protocols for their accounts I didnt know such a violation, and they refuse to give me my money back.
Consumer complaint received 2024-03-24
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: ALLY FINANCIAL INC. (PA)

Ally Financial was a company that I had a car loan through for XXXX  years until I paid in full in XXXX. I received a letter of congratulations I was never laid on a payment. Now in XXXX, I received an update from my credit score that it dropped XXXX points because of a change in the system that this company did. I reached out since XX/XX/XXXX XXXX  repetitively every month and was told that it was under investigation and that they had XXXX calendar days to get back to me they never did get back to me and my credit score keeps dropping because of this company. The last interaction I had I was hung up on by a representative on XX/XX/XXXX after being told they have XXXX  days to review and if I keep calling they will keep hanging up on me, I unfortunately had a XXXX XXXX  and need my credit score to remain in good standings as I worked hard for this and will need to relocate in the very near future. I had a XXXX credit score that has now dropped XXXX points because of this company.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Marcus is not allowing us to access our life savings, preventing us from transferring our money out of their institution to another account that we own, and has offered no concrete resolution in sight. Throughout the process that has been going on for over two weeks, Marcus has not given us any reason for blocking our transactions. They had deemed that our phone numbers and social security numbers were no longer sufficient to prove our identity ( which is such an irony as they never said a thing when we deposited our money into the account and our phone numbers have always been our sole numbers and have been on file for eternity, and these phone numbers were used to log into the Marcus account for XXXX authentification every single time! ) but did not say what more is needed to prove who we are. As a result, our life savings have been frozen with no access and no resolution. 

XX/XX/XXXX : A transaction was received by Marcus to transfer funds to another account owned by myself and my husband who is a joint owner. 

XX/XX/XXXX : The transaction was reversed by Marcus with no notice or reason. We contacted Marcus by phone and the representative said that there were no holds on our account preventing the transaction from going through and asked for us to try again. 

XX/XX/XXXX : We attempted again to transfer money from our Marcus account to the same joint account. 

XX/XX/XXXX : Marcus rejected the transaction request again with no reason. We contacted Marcus by phone and find out a restriction is placed on our account. We tried to resolve it over the phone and Marcus said that someone will reach out on XX/XX/XXXX to resolve the case. 

XX/XX/XXXX : No one from Marcus has called us by XXXX XXXX Pacific time so we reach back out again. The customer service representatives were unable to resolve the issue and the call got escalated to a manager. The manager was only able to disclose that the case has been under review and someone will reach out in XXXX business days. We requested information on the case and the manager stated that no information can be given and there is nothing that they can do to resolve the issue.
Consumer complaint received 2023-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (NC)

This company has placed a medical debt on my credit since I was injured in XXXX. The fact that I was out of work due to an injury and still fighting claim and this office lack assisting so I wouldn't have a balance. I wasnt aware until later that my insurance could have been filed. Once the company attempted to file insurance it was to late. The medical debt of {$640.00}. Im disputing this because I feel had I known my insurance that I had would have covered it.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

In 2017, I, along with XXXX other individuals, became roommates in an apartment in downtown XXXX named city walk which became dwell XXXX while attending Georgia XXXX XXXX. Unfortunately, my roommates turned our living space into an untenable environment. Due to these circumstances, I received confirmation from both the property manager and my roommates that I would be released from the lease and all related obligations. An agreement was signed by all parties, and I vacated the property. 

However, XXXX to XXXX months later, my former roommates were evicted, and I received a letter stating that the previous property manager, who had since been terminated, failed to file the correct documentation. As a result of this error, I have been held liable for the damages and eviction charges attributed to my former roommates. This situation has severely impacted my ability to secure housing independently, forcing me to reside with my mother for the past XXXX years. 

Despite my efforts to resolve this issue, the property management company has refused to acknowledge their mistake. Additionally, all email communications concerning the lease termination have been deleted, although I still possess the signed document that released me from the lease. 

I am seeking assistance to rectify this matter and remove the erroneous information from my credit report. Currently, this issue is not reporting on my credit across all three bureaus.XXXX  is showing the collection debt as being resolved but it is still being reported on XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate information that is reporting. I am being disregarded and the inaccurate information is resulting in new credit denials.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NY)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2023-12-21
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: MOHELA (GA)

I filed a complaint and dispute with Mohela Student loan servicer requesting they remove inaccurate reporting on my credit profile. Mohela continues to report erroneous late payments on my credit report that is causing my financial reputation to be negatively impacted and its lowering my credit score making it impossible for me to be approved for any type of credit. 
The errors that are being reported are as follows : 1 ) XX/XX/2019 is reported as 90 days late and this must be incorrect because the two months preceding XX/XX/2019 which are XX/XX/2019 and XX/XX/2019 are showing as paid on time. If the prior two months are paid on time, XX/XX/2019 can not suddenly become 90 days late. I demand my credit profile be updated to reflect that I was never late. 

XXXX ) XX/XX/2019, XX/XX/2019 and XX/XX/2019 are being reported by Mohela as 90, 120 and 150 days late accordingly. However, the two months preceding XX/XX/2019 which would be XX/XX/2019 and XX/XX/2019 are reported as paid on time. If XXXX and XX/XX/2019 were paid n tune, then it is impossible for XX/XX/2019 and XX/XX/2019 and XX/XX/2019 to be late because XXXX, XXXX and 150 days did not pass. You can not be 120 days late and on time for the preceding XXXX and 60 days. This is inaccurate and I demand my credit report be updated to show never late for XXXX, XXXX and XX/XX/2019. 

I demand Mohela update this account information even though it has been refinanced because it is still reporting on my credit profile as late and is dragging my credit score causing it to be low and ineligible for extensions of credit.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

PayPal is failing in its legal obligation under the FCBA to investigate my claim of a fraudulent charge on my account. They have a method for opening disputes, but though I have provided clear evidence to support my case, the resolution team clearly will not even read what I have submitted. This is evidenced by their closing the case under a reason that is both false and not at all addressing the cause for my complaint in the first place. I claimed that the merchandise was significantly different than what was advertised. PayPal closed my case under the reason " Buyer received item ''. As you can see, this not only does not address my complaint at all, but is also entirely false, as it is very clear on the seller 's website that the item will not ship until several months later. Clear proof that PayPal is closing cases under false rationale without even bothering to consider them as they are required to do under the FCBA.
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC (CA)

This is my 5th attempt to try to fix this matter with my credit report CFPB. Rocket Mortgage is making my life a living XXXX with the error they put on my credit report and wont update. I havent been late ever. even with the late payment they have reported there is no other lates on there. I tried calling them to resolved the issue they keep playing games. With them reporting this late payment for over a year i havent been able to refinance my house, buy a new car for transportation or get a loan for my wedding. I am in therapy due to them defaming my character and reporting false information. Im at the breaking point and they think its funny for them due this. 

I also have reason to believe that they are in violation of not adhering to the reasonable procedures of congress to provide certain information thats required by section 1637 ( b ) of title 15 USC by having it mailed or delivered to the consumer not later than 21 days before the payment due date. That did not happen and ask if they did on the phone with XXXX they loan person and they didnt. I have attached my letter explaining how they are violation
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (MI)

On XX/XX/23, Credit Karma XXXX Account erroneously withdrew {$110.00} from my account. The morning of XX/XX/23, they had a system error which posted outdated balances ; the balances posted were from XX/XX/23. When they came back through to rebalance the accounts, they overcharged me for a payment to XXXX XXXX XXXX in the amount of {$110.00}. I reached out to their customer service via chat, and they advised that my only recourse was to file a dispute. A dispute is not the correct course of action for a charge that did not originate with the vendor. I requested they reverse the overcharge on their end, to which they offered no recourse. I do not have overdraft protection on my account, so the charge should never have gone through. Now, they are not answering chat or phone for further assistance, and I am left without my funds. This is an egregious breach of trust, and all I want is my money back.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

XX/XX/XXXX Called Comenity Bank to payoff/close my XXXX credit card in full. Payment processed over phone XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and was told consisted of additional accrued interest and late fee ( even though they had assured me my payment in XXXX would pay off in full ). Payment processed over phone. Assured payment would zero out balance in full. Comenity reported payment 30 days late to credit bureaus flawing my perfect credit history XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and spoke to 2 supervisors. Not cooperative at all or willing to rectify error on their part