davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (MO)

received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ 1k.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (VA)

This is my second complaint with ACIMA. Back in XXXX I spoke with agent who advised me that if I paid {$800.00} I can keep services with them. They advised that if I settled the account then they would remove the tradeline from my report. At that time, my settlement offer was {$400.00}. I called and settled the account for less then {$400.00} and was told that the tradeline would not be deleted in XX/XX/2020. I received a letter stating that they listened to a call from XX/XX/2020 and was advised that the tradeline would not be deleted. They have failed to address the phone call from XX/XX/2020 where I was told that if I settled the account the tradeline would be deleted. The account is closed and there is no balance, however this account is hurting my credit score. They have reported a late payment for XX/XX/2020 so at this time they are reporting inaccurate information on my credit report and are violating my consumer rights.
Consumer complaint received 2023-06-21
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: Nelnet, Inc. (CO)

In XXXX Nelnet reported XXXX of my student loan accounts as being 90 days late. I knew that my student loans should have been in COVID forbearance that was federally mandated, so I called Nelnet to find out what the issue was. I was informed that all XXXX loans had been sold to a private financial institution without my knowledge or consent, so they did not qualify for forbearance. However, upon speaking with the agents ( I called twice, and recorded both calls which I can produce if needed ), I was told that this was an error on their part and my loans were placed into the COVID forbearance. I was also told that the late payments ( which dropped my score over XXXX points ) would be removed, but they never were. 

In XXXX, XXXX I consolidated all of my loans and moved from Nelnet back to Great Lakes. I didn't check my credit report again until the beginning of this year ( XXXX ). Upon checking, I found that all XXXX accounts were reporting as 90 days late for XXXX, XXXX. I disputed their reporting at all XXXX  CRAs and they then moved the late payments to XXXX, XXXX. I disputed again a month later, and the late payments were moved to XXXX again. Upon the third dispute the late payments were moved yet again. However, they were reporting that I was on time the month prior to the late payments ( instead of being reported XXXX, XXXX, then XXXX  days late ), which is inaccurate reporting. 

I have also filed a complaint with the Department of Education and Nelnet has once again denied that they are reporting inaccurately, stating that those loans weren't part of the COVID forbearance - yet once I found the error in XXXX, those loans were put into the COVID forbearance immediately. Furthermore, how can federally backed student loans turn into private loans without consent or notification? These loans were not taken out as private loans, and so should have qualified for the COVID forbearance. I am confused about how this was permitted to happen, and am certain that my rights were violated. Finally, their reporting that I was on time XXXX month, and then 90 days late the very next month, which is an impossibility. 

Clearly, Nelnet has XXXX intention on reporting these accounts accurately and has made a game of moving around the late payments with each dispute. I am at the end of my patience with Nelnet and will likely proceed with litigation if the CFPB is unable to resolve this by having those XXXX accounts deleted from all three credit reporting agencies.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (AL)

My cards and phones were stolen and someone used my cards for shopping I contacted chime to dispute the unauthorized charges I also provided them with a ftc report. They did give me provisional credit but while I was waiting on my cards to arrive by mail whoever has my phone had access to my chime account and they withdrew all of my funds twice here are my dispute case numbers # XXXX # XXXX I have been calling and emailing chime for the last few weeks this is very hurtful especially around this holiday season all I want is my funds back.
Consumer complaint received 2023-05-31
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. (MO)

I bought a car from these people last year. It was a piece of junk and did not work. I did a voluntary repo. In the repo it was supposed to be listed as a XXXX balance voluntary repo. Still shows I owe {$17000.00} with the credit bureaus. I have disputed it with the credit bureaus multiple times. Won't come off. I called today and lady told me the car had to be sold before it was taken off. I called again and spoke to a manager and she said she doesn't know why I was advised that. She said it can take quote " Several months '' when it has been six months, and wants to charge me {$15.00} to get a copy of the agreement they mailed out 6 months ago stating it was a {$0.00} balance voluntary repo. I have been denied credit because of the credit bureaus reporting that I owe them money I do not. This is a scam and I shouldn't have to pay money to get a copy of an agreement stating I don't owe them money!!!!! I demand they get this off of my credit report now!!!! I'm attaching a picture of the contract showing it was a supposed to be on my credit report as a voluntary repo.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I received the following text " Free Fraud Alert : Jet Blue Card ending XXXX XXXX A charge for {$2600.00} at XXXX XXXX XXXX was not approved on XX/XX/XXXX. Reply 1 if valid. Reply 2 if not valid ''. I immediately responded by typing " 2 ''. See attached for further information. A hold was placed on my card and I called the credit card company BARCLAYS on XX/XX/XXXX to investigate the charges as well as other charges. I was informed there was a charge for {$3000.00} to XXXX establishment as well and the charge was approved. I disputed the charge and the credit card company credited my card pending investigation. On XX/XX/XXXX, I noticed the charge of {$3000.00} recurred on my card. I called again to dispute charge and a temporary credit was issued pending a second investigation. I tried calling the credit card company but not success in resolving this issue.I received a letter XX/XX/XXXX, indicating the charge is valid and the {$3000.00} was applied to my account. I called the credit card company BARCLAYS to request video, picture, signature or other proof. The credit card rep reported the charge was made in person.
Consumer complaint received 2022-11-08
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. (NC)

Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON TRANSUNION ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My XXXX was stolen in XXXX, XXXX on the XXXX XXXX, and those thieves were able to hack and got inside my XXXX. I had several cards and other financial apps stored like XXXX XXXX, PayPal, XXXX, XXXXXXXX XXXX XXXX XXXX, and others. They were able to open Paypal and added their friends on it and send funds to them. I called Paypal when I returned to Florida on the XXXX, and filed fraudulent activities in my account. There were 2 large transactions were made on the 3rd from XXXX XXXX XXXXXXXX and XXXX ; howeverXXXX XXXX XXXX XXXX denied the transaction and XXXX allowed. Initially, PayPal gave me a provisional credit, then they retracted stating that the transaction was normal. Again, I specifically informed Paypal my Iphone was stolen and they got inside my phone. I never made such a big transaction thru PayPal and it was for {$950.00}. I didnt lose my wallet I loss my XXXX, as a result, those thieves were me using my phone. Paypal can not regcognized it.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Filed a claim with PNC bank and they did not properly investigate this claim my XXXX $ was stolen from my account and I they denied my claim twice I never authorized anyone to use my card or pin My card was stolen and I asked multiple times for them to check the ATM footage which they denied and never looked at the footage Ive also filed a police report They are also trying to blame me for the problem Instead of fixing the solution
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WI)

ive been trying to contact coinbase support to reset my XXXX on my account and most of the time the prompt is provided via their bot service. in the event ive actually spoke to a person, they tell me to follow the link they send to my email and ill be able to reset my XXXX yet every single time when i click it, it wont let me go further until i enter the text sent to the phone i no longer have access too. i need this info for my XXXX taxes.
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (ME)

I was late on a payment, under 30 days, tried to make the payment and my bank rejected the payment due to insufficient funds instead of charging the overdraft fee. I had no other way to pay, I talked to TD Bank and told them I would be able to pay the account in full on the XXXX of XXXX. They then called me 12 times within 7 calendar days, including 3 times the day before XXXX. The past due balance was {$29.00}. At this time I had noticed my credit limit which was originally {$2200.00} was {$380.00} as of XXXX, I was told by one of their customer service reps that I was considered " high risk '' although management denies this, and therefore my credit line was decreased. I told TD Bank that I would pay the amount in full on XX/XX/XXXX and would be closing my account and never doing business with them again. I received a credit score notification, due to the credit line decrease and they reported my late payment as delinquent, my credit score which was XXXX crashed down to the XXXX. I called the company after I had paid in full to try and resolve the credit issue and they told me there was nothing that they could do. They told me I would have to dispute it with the credit agencies, which I have now done. I asked if they would fight me on the matter as I was a good customer who always paid on time and always paid more than the minimum but have recently run into some financial difficulty, the manager told me that they could not say and that it was best for me to just try. I'm a XXXX veteran on a fixed income and have not been receiving my normal pay from schooling due to XXXX. I always pay my bills on time and 1 discrepancy should not destroy my credit. I feel like I have been wronged, between the harassing phone calls the day before a holiday to the retaliatory strike against my credit, this seems unfair and unusual.
Consumer complaint received 2023-06-21
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: CORELOGIC INC (MD)

On the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

XXXX Mortgage ( " XXXX '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to XXXX providing any of my personal identifying information to anyone. XXXX never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized XXXX to upload any of my personal identifying information to the CFPB XXXX, which was contained in a document described as a " Credco XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to CoreLogic Credco and the CFPB violates my privacy as well as Federal and State law.
Consumer complaint received 2020-12-17
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. (TX)

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXXXXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3XXXXXXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX  Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Synchrony Home ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I live in XXXX, across the river from XXXX XXXX XXXX, XXXX. I used my new Southwest Rapid Rewards Plus Visa through JP Morgan Chase bank at XXXX XXXX before re-entering the XXXX on a day trip across the river. I was slapped with a {$4.00} foreign transaction fee. I called JP Morgan Chase to explain that I live across the river and cross frequently, they told me they can't remove the fee unless I sign up for the level above the account I already have. I already pay {$69.00} per year to have the Southwest Rapid Rewards credit card, but they said that doesn't include free foreign transactions and if I wanted that I'd need to upgrade to the {$140.00} a year account. I just think this is more junk fees runaround from the big banks and I really think they need reigned in. Hope you all can help force them to stop extracting money from those of us who make the least.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BOK FINANCIAL CORP (TX)

I have a complain open No XXXX against Bank of Texas XXXX A few days ago I received through regular mail, A package from Bank of Texas with my physical address on it, but addressed to XXXX XXXX, which I do not have an idea who that person is. I did opened believing it was a mistake on the witting address. It consist of several pages, the first it is a letter from XXXX to XXXX XXXX ( please see document attached ) talking about his case. In the last page shows a copy titled " Uniform Underwriting and Transmittal Summary '' which you can see XXXX XXXX 's information about his loan where include his address and his Social Security Number. This is a very serious matter. It makes me believe XXXX is totally careless about sensitive information and that my own information has or could be sent to a different person who can bad use of my sensitive information for the lack of ethics XXXX has related protecting his customer 's information. I am sorry, it seems I have been very hard with Bank of Texas, but I expect and deserve better. 
I want this bank to be responsible for the payment of at least a few years of XXXX XXXX XXXX, which serves as a lesson of whomever is responsible for this bridge on the security of all the customers. Btw, I have left only the 4 last digits of XXXX XXXX 's SS # to protect his identity, but on the document I received it shows it in full.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (AR)

found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I filed the first complaint against this company and they returned with a response which found it to be fraud but they only did the DESTINY CARD and didnt handle the INDIGO CARD when clearly there were TWO accounts marked as fraud CLEARLY STATED INMY COMPLAINTS AND ON MY REPORT. I am attaching their response they sent here to you which ONLY covered ONE of the cards and did NOT address and remove the INDIGO CARD ACCOUNT. REMOVE INDIGO AS WELL.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION (NC)

I believe the account is invalid. STATE EMPLOYEES CREDIT UNION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records. STATECU XXXX, STATECU XXXX and STATECU XXXX
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (FL)

My lender ( Goodleap ) was making advanced payments to my XXXX ( XXXX XXXX ) before work was completed, permits taken, inspections passed, and XXXX. My lender also did not do their due diligence PRIOR to paying the XXXX. 
There were many violations that XXXX XXXX violated and were obvious to GoodLeap. I spoke with GoodLeap several times informing them that the inspection was not completed and for them not to pay until the final inspection was completed. XXXX XXXX came out and installed the panels, took pictures of the installation, sent the pictures over to GoodLeap for final payment, and then removed the panels for inspection, but never returned to reinstall them. GoodLeap ignored me and paid XXXX XXXX anyway and now they are filing bankruptcy, and I am stuck with having to hire someone else to install the panels, but I am still making monthly payments to XXXX for a job that was not completed. I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone ( per loan contract ), and any documentation permitting GoodLeap to pay XXXX XXXX in advance without my consent.
Consumer complaint received 2023-07-11
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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