davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (MI)

I got unrightfully evicted in XX/XX/XXXX. I owe about {$4100.00}. First of all, the apartment place I lived charged me extra charges for missing keys and such I never had, so Ive been wanting to dispute all of it. 

To start out with Procollect ; I called on XX/XX/XXXX about 3 times in under 4 hours. In this time I got several different responses by different people. They told me I could get the debt taken off my credit report if I called back on the same day before XXXX. 

I then proceeded to hang up and get my payment ready and called again. A different person answered, I went over the information with her and she proceeded to tell me it is not in their power to take it off my report. So I didnt pay AGAIN. I hung up went to the bank and transferred money again. 

I then called a 3rd time because money was all set up and ready to pay, this person tells me my card is declining, I have until XXXX on this day to call back and get it taken off my report. 

This was all under 4 hours. The first person I called gave me until XX/XX/XXXX. Second person I called gave me until XX/XX/XXXX and the last person I called gave me until the night of XX/XX/XXXX. Every time I called they gave me one less day to pay as well. 

The last person I spoke with was also very rude and hung up the phone when I was asking questions about the credit report.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DC)

Fraud scammers took over my account and were able to change my mobile phone associated with the savings account and then requested two transfers of funds to their XXXX XXXX XXXX accounts. Both transfers were to take place today XX/XX/2024. I learned of this when I was able to change my password and then change back my phone number by calling the bank on XX/XX/XXXX. I then saw the transfer requests and requested they be halted before finds actually left my bank Marcus by Goldman Sachs. Only one of the two transfer requests was halted ( {$9900.00} ). The one for {$9800.00} was not able to be halted and left the bank and my account. I was told I needed to make the request to halt 1-3 days prior to the transaction to guarantee my money would not leave the bank and my account. I was told I didnt meet that 1-3 day requirement. This is confusing. The bank opened a fraud case but Im not hopeful of getting back my {$9800.00}.
Consumer complaint received 2024-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I had CD with Marcus that expired on XX/XX/2024 with instructions to send the funds to an external account. Five days after that date, there was not transfer to my external account so I called it to find out what happened. 
I was told there was a hold on my account because I added a new bank account to my online profile. Now keep in mind, that this account was linked on XX/XX/2024 and for 22 days no one called or emailed me telling me a hold was on my account. So this hold was cleared up on the XXXX when I called it. I verified my external account and was told that I would get my $ XXXX transferred to my external account I just need to wait 3 business days. 
End of the day on the XXXX, I see no transfer so I plan to call on the XXXX and complain. 

Now today ( XX/XX/2024 ), I was told that there was a hold on my account. This time, they don't know why there was. Furthermore, like before, no one called to inform me of this hold. ( Keep in mind, I complained about no one telling me there was a hold on my account on the XXXX also ). I was told today now that everything is fine and my money will be transferred but I heard this before. 
So I want the CFPB to step in and fix this problem and potentially have Marcus by Goldman Sachs fined!
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2022 an account was opened in my name without my consent for a card from XXXX XXXX XXXX XXXX XXXX I have not applied for this card. Also on XX/XX/2022 another card from XXXXXXXX XXXX without my consent
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I opened up a account with the bank that the check was written off. I went to the XXXX branch, in which the teller told me it was the banks check. I was denied service that day, therefore I went to the XXXX XXXX branch. 

I deposited the check with a XXXX  day hold. I never received any cash. Then my account was closed for the amount of the check and fees. I never agreed to closing the account. The only charge should be the fee. I never received money from the check amount
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the FCRA, credit acceptance corp has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (TN)

I decided to open a Robinhood account for in 2023 beginning of the year and as I tried to verify my information it was pending. I funded my account XXXX $ into the saving account from what was in my XXXX XXXX at that time. But the. I decided to put the XXXX $ into my bank account they said my account was locked and can not withdraw my funds into the account because of suspicion which I dont understand why when I gave them my ID and selfie. It been over a year and still did not hear anything or received my funds.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KY)

I received a notice from NELNET of my monthly payment as soon as the freeze on payments because of COVID ended. I believe it was in XXXX of last year. I paid the notified payment with a slightly larger payment amount anticipating that the extra would go directly towards the principal. I continued to do this for XXXX months. 

In XXXX, I was checking my account when I realized that the principal was actually increasing rather than decreasing. If I continued to make the this payment I would have never paid the loan off. I contacted NELNET to find out what my payment schedule would be and to have the situation explained. 

I was notified via email from the NELNET Customer Service Team that my payment amount was verified to be correct. I returned the email with a second question : How many payments will I be required to pay off the loan? 

I received another email from a different NELNET Customer Service Team member stating that I would have a XXXX payments at the verified amount. This is where it gets interesting. 

If you multiply the amount of payments by the verified payment, the total paid will be approximately {$20000.00} short of the full loan amount. I brought this to their attention via email and they answered with a telephone number to contact. 

I contacted this number only to have them tell me that I had to contact the NELNET Customer Service Team for a better explanation. I sent them another email and yet to have a response. 

I can't seem to get them to give me a payment schedule. I looked on the website and it says is that it is not ready yet. 

I checked the interest amount stated on the statements I have been receiving. The verified payment only covers about a third of the interest. The statements are also confusing because each states that the verified amount is applied to the loan and the additional amount is stated but doesn't seem to be applied anywhere. Very confusing statement. 

I am making payments which are more than the interest accrued but have no idea when these payments will pay the loan off completely.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently ensured that payments on this account are made in a timely manner, preventing any occurrences of overdue bills. However, I'm uncertain about the reasons behind the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (MI)

I have a loan with Affirm. My two previous loans with them are paid off and paid in full. This current loan that I made a payment on during the month of XXXX was only behind 30 days if barely due to a medical emergency. I repeatedly contacted them and asked for an extension along with asking if we could change the dates of payment that were due and find a different arrangement and they refused every option and didn't give me any options. I've been in the hospital I've been limited to what I can do and I've lost all of my income due to this. I can provide evidence of all of this. The minimum amount owed per my credit report was paid during the month of XXXX. They have different amounts and they contact me all hours of the day and night by email by text by phone call and it's ridiculous. They will call me from 15 different numbers that I've had to block while I was in the hospital. They call me from different area codes and it's concerning. At this point they are only allowed to communicate with me in writing. I am protected under law with medical concerns and a hospital stay that I was unable to pay and just need to pick up my payments now and go forward.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion have violated my right to privacy and I'm a victim of identity theft pursuant to USC 1028A. I NEVER AUTHORIZED these companies to report any negative accounts on my credit report..
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (SC)

On XX/XX/2023 I mailed a registered security to XXXX XXXX trustee of XXXX XXXX XXXX  instructing them to credit the account with the registered security that I properly endorsed per 30 CFR 328.6, to sent security to the treasury for a marketable security and to transfer that marketable security to my treasury direct account that I specified in the instructionals that was sent, that they received on XX/XX/2023 ( tracking # XXXX ). I also instructed XXXX XXXX to credit my account accordingly every month while under this contract. The company never credited my account with the security and coupon that was issued to me. This notice is for past, present, and future securities and coupons while under this contract. If payment is refused, lost, or destroyed there is discharged per UCC 3.603-3.604. I never received a response. I had to find her email and email them and got a response saying " BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees. " On XX/XX/2023. They claim that this is a personal debt issue when really this is an investor issue. I signed the note and they securitzed it and I am owned interest on them doing this. On XX/XX/2023 I sent out a opportunity to cure saying for XXXX XXXX to please respond back in writing within XXXX business days. If instructions are not completed, I instruct XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties and to follow the directions of my 1st letter. They received on XX/XX/2023 and still have not gotten a response nor have they did anything I request in my 1st packet i sent to her.
Consumer complaint received 2023-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

We are getting so frustrated with Freedom mortgage. We made a {$2500.00} payment on XX/XX/2023 over the phone. Freedom mortgage withdrew the {$2500.00} from our XXXX bank account ending with XXXX on XX/XX/XXXX and did not credit to my balance till today. Called multiple times, spoke to many of their employees, different answers, provided bank statement shows the withdrawal and still can not get through to them, we are dealing with an incompetent staff. We keep track of every payment we make. Freedom mortgage needs to be investigated, this is considered fraud. In addition, We are still waiting for our repayment plan approval, we sent ppw to them and they always respond that they did not receive it, yet we have confirmations whether it was faxed or emailed to them. We are going to fight until this is resolved even if it goes to court.
Consumer complaint received 2023-11-26
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 a {$100.00} Amex gift card. I have used it 3 times for the amounts of : {$39.00} on XX/XX/2023 {$15.00} on XX/XX/2023 {$26.00} on XX/XX/2023 This leaves {$18.00} on the card that I have been unable to use. Amex says the card is on hold, but when I call their number there is no recourse to activate it again.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (TX)

XX/XX/year> - Upgrade failed to provide appropriate required adverse action notifications.

-I feel the decision regarding my credit was based on unlawful reasons because they did not follow their own described processes in my case.

-Upgrade took an adverse action on my account and failed and ultimately refused to disclose what " information that was relied on '' to make the credit decision.

-Upgrade alleged that I had " Serious Delinquencies '' - This is not true. I have no serious delinquency or collections on my credit report. 

-Upgrade alleged they relied on credit report from " XXXX XXXX, however, they did not pull a credit report at or around the time of the decision. I have a freeze my information with the other two " possible '' credit agencies described in their decision. 

-My agreement with Upgrade allows for periodic review of " credit reports '' and nothing else. I have not given authorization for disclose any other personal information. 

-Upgrade, willfully, failed to investigate dispute after notification of credit -Upgrade failed to ensure appropriate processes and employee training to ensure compliance with adverse action notification and dispute resolution requirements. 

-When I called regarding disputed and requested escalation, my request was refused and the company failed to make correction or investigation.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (CA)

Requested ( and paid for ) full appraisal of my home to calculate LTV ( {$450.00} ). UWM instead ordered Interior BPO ( Broker Price Opinion ), which is NOT a full appraisal and only costs {$190.00} per UWM. UWM pockets the difference? I am followed UWM instructions. 

A real estate agent came to my house ( walk-through ) ( XXXX XXXX XXXX ). I received notice from " home genius '' that my home is only valued at {$760000.00}, which is laughable. The comps are inappropriate. On one comp, they listed a smaller home ( sq. ft. ) with fewer bedrooms for more $ than they appraised my home for. This seems like a scam to keep my paying PMI. 

Finally, UWM is transferring the loan now ( in the middle of the PMI removal process ) eff. XX/XX/2024, so I have to start over with the new company to get this resolved.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NH)

A company called Jefferson Capital based in XXXX  contacted me on XX/XX/XXXX via email stating that I owed {$750.00}. They also provided the following : As of XX/XX/XXXX you owed : {$750.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$750.00} This company did not provide any documentation other than the above information regarding this debt even though I requested said documentation on XX/XX/XXXX when I disputed the claim. They recognized my dispute in a emailed response the same day almost immediately. They said I should send them documentation disputing the claim! I have none since I haven't used XXXX in many years! So, instead of clarifying anything they reported this to the credit bureau and brought my credit score down over 150 points. 

Furthermore, the dates do not make sense as my account with XXXX was closed in XXXX or possibly XXXX. At any rate, I was not contacted by XXXX regarding any outstanding debt in the many years since then. I understand that the statute of limitations for collecting on a written contract in XXXX  ( where I lived prior to XXXX ) is 4 years. In XXXX XXXX where I am currently located, it is 3 years. This has all occurred just as I am attempting to obtain new housing and need to have a good credit score which I have been working on maintaining for some time now. 

My primary concern, besides my damaged credit score, is that this company is unlawfully attempting to collect money from any number of individuals. Even if it is just a small amount of money it is a criminal act. J.C. did not provide an exact date and had no documentation so it is all very suspect.
Consumer complaint received 2023-07-12
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: JPMORGAN CHASE & CO. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for SELF XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account SELF XXXX XXXX XXXX XXXX XXXX Last XXXX digit SSN : XXXX