davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello, I updated the bank app a few weeks ago, and when I tried to access is requestin the SSN. 
As im not XXXX XXXX  I dont have that document. So please fix this issue so I can access to my online banking trough the app. 

Thank you
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I spoke with a representative on the phone who couldnt provide too much information but that once Id agreed to the contract, that Credit Acceptance had the right to add on the original amount however much according to what they thought fit the value. And because I signed the contract, that was what was the deal. When I signed the contract, I didnt know that credit acceptance would add another {$14000.00} to the loan. The contract literally only shows the original {$12000.00} ( somewhere around this amount ) payment with proof of the few thousands I put down to drive the car off the lot. This was a used car that had a mileage initially of XXXX, not exactly but somewhere in this range. I always thought that this didnt make any sense, but it was my first time purchasing a car off the lot and I went with it. But its going on 2 and a half years and Im still paying on this car but my balance is showing {$9500.00} on other app platforms, like my credit card status from the credit bureaus and inquiries and XXXX XXXX. But when I go on the actual website to pay my balance with credit acceptance, it shows my remaining balance of {$14000.00}. I attempted to refinance my car sometime around XX/XX/ and the representative informed me over the phone that my remaining balance on their end was {$9700.00} something and I was confused because it shows otherwise with credit acceptance. Its very misleading and confusing. Im not sure if Im misunderstanding since this is a huge legal process that takes place in vehicle marketing and maybe this is how things operate, but then again Im also not sure if I'm witnessing fraud right before my eyes. There was a case on this earlier in the year of XXXX and Ive just swept over the article of the CFPB suing just now. I was encouraged to complain and share my case just now. I think that I should complain because it unethical and immoral of this and it needs to be right. Or someone to show me if Im wrong. I really hope that there is a way for compensation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

XXXX IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2024-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a Citizens checking account and had no issues with the account. I woke up on XX/XX/XXXX, and my online banking privileges were not working. I called in, they told me my account was under review and my account would be closed ( Gave me no reason and to this day have not given me any reason! ). 

On XX/XX/XXXX mid-day went into the XXXX, PA branch office, to request my funds. I was told anything pending would be paid and that my paycheck for XXXX would be posted and I could come back in on XX/XX/XXXX to close the account and receive the remaining funds. When I came into the branch office, I waited to over 4-5 hours spoke to numerous people both in the Branch and then on the number provided above to discuss. They informed me that they would not give me my funds ( MY FUNDS of approximately XXXX!! ) and that I would be receiving a generic letter and at a much later date I would receive a check for the remaining funds. They provided me with no information or timeline or reason. 

They are holding my funds for ransom! 

I am being told I am being sent a generic letter which will have no information in it. Once I do, I can attach to this case.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Someone added themselves as an authorized user to my Chase banking account and subsequently withdrew approximately {$24000.00} on XX/XX/. 

On XX/XX/, I received an email regarding my Chase bank account that my address had been changed. I immediately contacted Chase bank ( XXXX XXXX  MST ) and spoke to a representative who told me someone had added themselves as an authorized user and opened a new savings account under my name and ordered new debit cards. I was then told this issue would be taken care of and my account would be placed on hold. I called again and spoke to another representative who gave me more information regarding the situation. He informed me that someone physically into a Chase bank branch in XXXX, Georgia ( XXXX XXXX ) and added themselves as an authorized user to my account ( I live in XXXX XXXX XXXX, UT ) even though I have no relation to them. They were using the name XXXX XXXX ( unsure of spelling ). They also changed my account address. This was all approved around XXXX XXXX  EST by the branch manager at that location, XXXX. I was again informed by this Chase bank representative that my account was on hold and that no money had been moved out of the account. They changed my username and password. I also went into my local branch in XXXX XXXX XXXX and spoke to the branch manager, XXXX XXXX. He informed me that no money had been transferred and my account was in fact on hold and no money could be moved. 

After work, I logged back into my account and noticed there were two separate withdrawals initiated from my savings account for {$9500.00} and {$15000.00}. 

I immediately reached back out to the Chase fraud department and spoke to another representative. They informed me that the person had indeed added themselves as an authorized user to my account my coming into the XXXX XXXX Chase Bank in XXXX, Georgia and this was allowed by the manager there, XXXX. They then subsequently made direct withdrawals at XXXX XXXX  EST of {$9500.00} and {$15000.00}. They then went to another Chase bank in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ) and attempted to directly withdraw {$40000.00}. This attempt was denied by the teller. 

I logged in the following morning and then pending withdrawals had subsequently been completed. Despite reporting the fraud 1 hour after it happened ( to 2 separate people over the phone and in person at my local branch ) and being informed that my account was secure and no money could be transferred, this person was able to withdraw over {$25000.00} from my account. This is a failure on the banking institution and raises suspicions of fraudulent activity within the Chase banking system, particularly at the XXXX XXXX Chase Bank ( branch manager XXXX ).
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (NH)

As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that all accounting be applied based on actual amounts that are due. I have been paying an extra {$600.00} to {$700.00} per month towards negative escrow, which has not been applied accordingly. The monthly statements issued by SLS show that the minimum monthly payments due are {$1600.00}. The principal payment is {$200.00}, with interest being {$360.00} per month, which leaves the balance {$1000.00} to be applied to escrow ( ex B ). The {$1000.00} has not been applied towards escrow due, instead it has been held in suspense accounts and re-allocated. Per CFPB rule 1026.41, the amount due, has shown more prominently than other disclosures on the page and, if the transaction has multiple payment options, the amount due falls under each of the payment options and CFPB rule. 
Furthermore, the rule states that the monthly payment amount, including a breakdown showing how much, if any, will be applied to principal, interest, and escrow and, if a mortgage loan has multiple payment options, a breakdown of each of the payment options along with information on whether the principal balance will increase, decrease, or stay the same for each option listed must be shown. Since there is a lack of transparency in the negative escrow accounting, we are requesting that all payments be reallocated and applied to the negative escrow amount currently listed as {$21000.00}. 
CFPB Rule 1024.17 also has standards listed that must be adhered to in relation to escrow. if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency. Proper analysis is not being performed to bring the escrow account out of delinquency.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX i noticed fraud charges on my card and requested for a replacement. It is my only functioning card and as of XX/XX/XXXX- i have not yet received my card. every conversation with the citi customer representative is " card has been mailed and you should get it ''., Request to get it expediated was not accepted. Worst service to date by the citi card.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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 and 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 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have {$86000.00} in federal student loans for XXXX XXXX XXXX and XXXX XXXX XXXX. I hold a job where I am able to pay my loans on the standard repayment plan within the standard 10 year time frame. I have not been able to successfully achieve a simple repayment plan with my servicer Nelnet yet. 

I have 18 separate loans with Nelnet of varying amounts. I initially had repayment dates throughout the month, which meant there was going to be a constant flow of seemingly random amounts of money being pulled out of my bank account. This has made budgeting a nightmare. It took multiple phone calls waiting on hold for upwards of 2 hours to get into contact with Nelnet to get my payment dates changed to the same day. I was told this would take place within a week. 

Weeks later, nothing had changed. I noted that my current payment for my XXXX XXXX loan was {$10.00}. I called again and was told it will take weeks for everything to switch over and that soon my regularly scheduled nearly {$1000.00} payment would be pulled. Meanwhile, I am accruing hundreds of dollars in interest. 

I began making manual payments of {$1000.00} to remain on schedule with my loans. 

I have most recently checked and my payment is now {$300.00}, and my loans are in forbearance. I have accrued almost {$1000.00} in unintended interest. My loans are going up not down, despite me trying to pay them. 

All I would like to do is pay my loans in a regular fashion 1x/month. Nelnet has been unable to manage this simple plan and set up. I am now accruing interest, unable to make my payments towards the interest, and my loan is nearing $ XXXX when I have been trying to pay XXXX XXXX for it to go DOWN. I am becoming a victim of astronomical and unfair interest accrual despite holding a well-paying, high paying job and trying to pay my loans back per usual.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom this may concern, This account was charged off on the following date for XXXX XX/XX/XXXX. Experian has a date of XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on XXXX and Experian with the date of last active XX/XX/XXXX. Since then, the account has repeatedly been updating as a charge off. This reflects as update on this account. A charged off account should not include updated history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consume. Im demanding a deletion of the following accounts. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AR)

On XX/XX/XXXXXXXX  I added {$50.00} cash to my XXXX XXXX from my brother XXXX XXXX 's Robinhood account and on XX/XX/XXXX there were transactions on the robinhood account card that were done from a different XXXX XXXX and I had to dispute them w an agent and the agent was supposed to go through the transactions and select the transactions that weren't XXXX XXXX XXXX XXXX  transactions and he did minus 1 transaction of a whole bunch he selected that said XXXX XXXX XXXX XXXX  it was for XXXX from XX/XX/XXXX so XXXX XXXX took XXXX from my account and returned it to robinhood but once we noticed we canceled the dispute and robinhood said they'd return the money but they haven't and XXXX XXXX won't help with it so now my XXXX XXXX  savings has XXXX in it and I can't access it until my XXXX is returned.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and 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 2024-01-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (PA)

I have contacted them via support portal on their website Ive also called them and asked them to stop calling because they were calling before XXXX XXXX  and they were calling me every 15 minutes every day including holidays The people that Ive spoke with on the phone have been told to stop calling and they still call and theyre also using abusive and profanity on the phone
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC (FL)

Yes i have an account with XXXX credit card i pay my minimum payment each month but it all goes to fees and interest i never seem to get ahead in payments.i talked to them and they were not helpful.please help me in this matter.