davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an American Express gift card for {$100.00}. I tried using it at XXXX XXXX, an online clothing store and at XXXX. It was rejected everywhere. Online forums say that this is typical. I submitted questions online and talked to someone at American Express, but they wouldn't help. They just said useless things like to check the balance. They basically that I had to keep trying to find a retailer that would take it.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (NC)

On XX/XX/XXXX I requested a notice that the XXXX XXXX XXXX was repossessed. I requested this because I had no prior notice that the repo occurred. It had been several weeks with no notification or letter until I requested it. 

Once in contact with the loan servicer, I was told my telephone number was not on file ; however I was contacted almost every day whilst paying, and setting up several agreements throughout the duration of the loan, and none of the information changed. 

The loan servicer is requesting a fair amount for redemption ; however at the time of recovery no paperwork was sent to the owner ( myself ). This vehicle is set to be sold at auction on XX/XX/XXXX and a request of XXXX is to be sent on XX/XX/XXXX before XXXX XXXX XXXX XXXX EST. 

I have been in contact with Credit Acceptance with hopes that the current litigation will prevail. The loan was risky at signing and should be voided under federal business code.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I received a refund when my balance on my credit card was XXXX which put my credit card into a positive balance of {$690.00}. I contacted the bank and ask them if they could transfer the money to my savings account or my checking account and they advised me that they dont provide that service. They are unable to release my cash and simply told me spend the balance. I do not wish to spend this money, I want it back
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (GA)

SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY QWR OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST QWR THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (MA)

I submitted dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TransferWise Ltd (NY)

I was checking my credit score on an application when I saw that it said my social security number has been compromised that someone has a driver 's license number with my full-name and an address I do not own a car or gotten my driver license. I am afraid of it affecting my credit score more and afraid of now opening bank accounts and having them compromised. Is there anything I can do it prevents from myself getting affected.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

continuing to report a balance on a sold debt is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ) the balnce must be reove at once or a class action law suite will be filed
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2023-03-27
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (KY)

have tried multiple times to resolve the inaccuracies on my credit report from this bank and no results, furthermore 15 usc 45 b -unfair methods and consumer review protection.

15 usc 1681 inaccurate credit reports directly impair efficiency of the banking system The CARES ACT prohibited late payments to be reported to consumer reports and required banks to provide relief options to consumers i was never made aware of the assistance this law provided and resulted in several late payments with multiple accounts i am requesting that these late payments be updated to current and or delete the accounts from my credit report. 

Acct :XXXX  please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXXplease remove all late payments or delete acct
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed this complaint ID XXXX with the cfpb and named XXXX and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX repo my car In XXXX  OF XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXX. THE XXXX  ACCOUNT. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM REPO MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY GAP INSURANCE FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

I'm a XXXX XXXX, XXXX  with a housing issue and I needed chime to provide me with paper copies of my account info. Not able to access account information through email because I have no access to a printer. Temporarily I don't have a permanent home. Working with XXXX XXXX  for housing assistance for XXXX  XXXX.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

This is the 3rd or 4th time I've requested my unit # be added to my XXXX address. It just seems to be such a mind boggling puzzle for Equifax to do this right! Why is it complicated? Is it XXXX XXXX? NO! Is it rocket science? NO!!! They just don't want it to appear accurately. By them sending me their junk reports from their system they think that means something to me. It means NOTHING!!!! It's a lie but when I run my real credit that creditors see, IT'S STILL NOT CORRECT!!!!!
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (VA)

In XXXX of 2024, I opened a Robinhood ( hereafter RH ) Brokerage Account and RH Crypto Wallet for the purpose of experimenting with CRYPTO investments. I am a U.S. Citizen, and provided the necessary documentation as requested. Since the opening of the account, I have funded it through my personal checking and savings account that I have with XXXX. I have also operated within the CRYPTO spending limits of RH Brokerage and RH CRYPTO. 
On XX/XX/XXXX, RH approved me to transfer/receive CRYPTO from my RH Brokerage account to my RH Wallet. On XX/XX/XXXX and XX/XX/XXXX, I conducted transfers from the RH Brokerage to my RH Crypto Wallet without issue. 
On XX/XX/XXXX, when I attempted to conduct another CRYPTO transfer from RH Brokerage to my RH CRYPTO wallet, I received a noticed that " Your account is restricted from withdrawing CRYPTO at this time. '' My transactions were NOT over the RH Daily transaction limits for CRYPTO. My CRYPTO transfers outside my wallet were not over the daily limits of RH either. 

After numerous attempts to getting the issue resolved, submitted copies of my bank statements, Drivers License and taking a picture for RH. The issue is not resolved. RH is not allowing me to receive or send CRYPTO to my RH wallet, and this is cause for concern.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

I don't recall having a contractual relationship with this collection company NCB MANAGEMENT SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus XX/XX/XXXX XXXX, Transunion ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX, XXXX of XXXX XXXX Kindly see attached the response from Chase Bank dated XX/XX/2023, I would like to explain what transpired here, so that you understand my complaint and why I am objecting to the response from Chase. 

On XX/XX/2023, I opened a business checking account for my non for profit organization " XXXX XXXX '' at JP Morgan Chase Bank hereinafter referred to as " Chase ''. On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} from a non for profit organization, by the name of XXXX XXXX hereinafter referred to as " XXXX ''. As is common in the process of Chase with new accounts, Chase fraud department flagged this deposit, and put it under investigation, to verify the validity of this check. They eventually CLOSED my account in the beginning of XX/XX/2023, with a claim that it's based on a lack of proof to verify this check from XXXX XXXX, The account had a total of {$13000.00} on deposit at that time, and ultimately all the fuds were locked up, which includes funds that were not of question at all, and same remain locked until they close this investigation. 

However, Chase has repeatedly denied to accept any kind of validity or proof that was provided to them, including a letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX attached hereto, verifying this check, and as well as personal appearances from the Grantor 's institution Board members, to a Chase branch, verifying and confirming the check.

From my conversations with Chase, it turned out, that their only way of accepting verification for this check, would be by verifying the PHONE NUMBER on record for the Grantor 's Institution, specifically registered by their Risk Management Company 'XXXX  XXXX '' and ABSOLUTELY no other form of confirmation or validity, from any party, including the grantor 's banking institution, will be acceptable as confirmation.

Unfortunately, the Grantor 's institution is not registered by XXXX XXXX, and can therefore not be verified through this system, which leaves us with the circumstances that we are currently in, with all of my funds LOCKED. I have pleaded with them to at least return the funds to the Grantor 's Institution, but they have denied to do so. THIS IS HIGHWAY ROBERY, AND THEFT AT IT'S BEST. 

I want to directly respond to the attached respond by XXXX to this matter, whereas XXXX claims that in our Agreement at opening the account we are subject to those actions, THAT THIS IS COMPLETELY FALSE. Nowhere in any agreement between the consumer and the Bank, is their any mention of being subject to a specific third party to verify a XXXX XXXX. 

I AM PLEADING TO YOU, TO PLEASE STOP THIS MONEY GRAB FROM CHASE, AND FORCE THEM TO EITHER RELEASE THE FUNDS TO ME, OR AT THE VERY LEAST, HAVE THEM RETURN THE FUNDS FROM XXXX CHESED TO THEIR ACCOUNT AT XXXX XXXX, AND THE REMAINING FUNDS TO ME. THIS HAS BEEN GOING ON FOR MONTHS, WITH ABSOLUTELY NO MOVEMENT BY CHASE!!! 

Kindy and truly yours XXXX XXXX
Consumer complaint received 2024-04-09
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. (FL)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3600.00}
Consumer complaint received 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

To whom this may concern, I am highly upset with Chime online banking services for failing to verify my identity and failing to protect my account. On XX/XX/XXXX I got XXXX for an old warrant, while XXXX my baby was with a so called friend of mine inside my apartment. I did not feel like she was fully capable of taking care of my child for that long so I asked my cousin to go pick him up. Still XXXX Saturday XX/XX/XXXX there was an unauthorized sending of XXXX  dollars from my old device to XXXX XXXX early that morning before my cousin picked up my child. Police were called and the girl was ask to leave the premises being it was my apartment and she had no reason there anymore. My cousin recalls the girl having bottles of XXXX  and XXXX in her possession. On the XXXX another XXXX dollars was Transferred out of my savings to my checking and fraudulently sent to XXXX XXXX. First of all she stole my phone and XXXX dollars which unfortunately was my tax refund. I did not get out of XXXX until XX/XX/XXXX and I was highly upset my money was gone. Money I worked so hard for. Oh and also I want someone to explain how can a hold be placed upon your account and then removed without any verification. Oh and how can you send a message to my phone ( which was in my property in XXXX XXXX asking for me to confirm a transfer when I was XXXX and could not ( did not! ) confirm. Like I said I'm highly upset.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

My account had scam via XXXX XXXX  and was linked to my navy federal debit card. My sister used my XXXX XXXX to book a villa in another country without my permission and it was a scam. I called in to dispute the charge on XX/XX/23. I haven't heard any updated this dispute and the charges made by my sister with my permission.
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (MS)

I am disappointed upon checking my credit report on XXXX XXXX to see that my credit has been compromised. Upon having XXXX. I am trying to start a XXXX for me and XXXX XXXXXXXX, to see that there are things holding me back. According to FCRA 15 USC 1681i G my information should not be shared without my permission. I am XXXX and XXXX to see such. I have tried several times to reach out to this company and the credit bureaus. Let alone by having my XXXX and XXXX go through a breach some months ago. This is a defamation to my character as well as a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I'm upset and demanding that these things be removed immediately, its causing XXXX XXXX to me and XXXX XXXX. These companies should not be of furnishers of people 's information to 3rd party companies. It's illegal. This is negatively affecting my XXXX and putting me in a XXXX XXXX. I shall file litigation if the negative items aren't removed immediately. Thanks, please remove ASAP!
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX