davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc (IL)

Back on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been suffering from a financial hardship. I took out a loan against my lawsuit through a company called ( XXXX XXXX XXXX ) to try to make some ends meet back in I believe XXXX of XXXX and at the time I didnt have a checking account after being a victim of identity theft. So I believe Chime was one of the options for me to receive my funds. Then on XX/XX/XXXX I had to take out another loan. I did and informed the lady of my checking account and routing information. When I hadnt received the loan money 2 days later. So I called XXXX XXXX XXXX and they told me that they didnt know where the money was. Then maybe about a week later I get a strange email from Chime informing me that they closed my account due to some guidelines rules that they say I didnt follow. So I called Chime and I was told that u needed to verify a deposit that they received in-order for them to release the funds. I asked the lady because I knew that Chime charged {$100.00} fee to cash it, if they could just reverse the deposit back to the sender and they told me No. And that either I verified the check by sending over a copy of the paperwork from XXXX XXXX XXXX along with a copy of my state issued drivers license or id along with a copy of my social. I did all that 3x, the sent an email stating that my account had been closed and I needed to refer to their guidelines. And that they had no further info for me. Then I called back spoke with several people who informed me that my close out check for {$1900.00} was mailed to me on XX/XX/XXXX. Its now XX/XX/XXXX. And I still have yet to receive a check in the mail. Called Chime for an update on how much longer before I receive my money cause my car broke down and now I need to get my car fixed to get back and forth to physical therapy. XXXX XXXX XXXX still dont have a clue. And when I finally got through to Chime they told me that they are sorry to inform me but their not sending me a close out check and that they have no further information for me over the phone. And that I will receive an email. And the email states they are not sending me my money. That I owe interest on. This is against the law stealing peoples money for no apparent reason!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp. (FL)

My name is XXXX. I took out a payday loan last year to get me caught up on some bills that I was behind on in the process. I ended up losing my job and I went to jail. I was incarcerated, and when I got outs I received a call from some private investigator, telling me the companies planning to move forward to press charges And I told him that I was homeless I recently been evicted from my home Im not working and I wouldnt be able to make a payment. They were trying to make me give them XXXX within 24 hours to XXXX I already dont have to my name Ive been being harassed Ive been being threatened that they will take me to court etc.
Consumer complaint received 2022-12-07
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: DISCOVER BANK (NJ)

Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and Discover on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( Discover : XXXX, XXXX ; XXXX XXXX  : XXXX ; XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity may have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC (OK)

On XX/XX/2023, we requested a home appraisal for the purpose of obtaining a refinance of our home loan in the amount of {$760.00}. 
XXXXXXXX XXXX denied our application, XXXX XXXX the loan specialist we were working with at XXXX informed me that I paid for the appraisal and it would continue to be good for 90 days and we could try again with another lender. 
We decided to try Rocket Mortgage a try... When we got to the point of needing a home appraisal, we asked for the previous appraisal ( {$220000.00} ) to be transferred.All of the appropriate documents were signed and uploaded onto my RM account on their website. 
We did pay for another appraisal, But transferring the first appraisal would be much quicker and easier. 
RM needs the XML file of the appraisal. XXXX says that they can not send it to them. Should'nt all appropriate and coordinating documents be " transferred '' along with other data? We have been in need of a loan since XXXX and we are still in process!
Consumer complaint received 2023-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I got medical treatment on XX/XX/2023 and I paid my expense from my XXXX account ( XXXX issued check on XX/XX/2023 ). I got several notification from my provider that my expense is past due and I contacted XXXX account and got the copy of check and sent it to the provider in accordance with provider 's request. It seems like XXXX issued check to the doctor not to provider ( XXXX XXXX ) and the provider is now trying to locate my payment with contact to the doctor. But in the middle of this, I got the notification from you that I owe you {$120.00}.
Consumer complaint received 2024-03-27
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. (PA)

I am submitting this complaint to address the ongoing inaccuracies and incomplete information regarding my XXXX XXXX XXXX XXXX account on my credit report. Despite previous disputes with the Experian on XX/XX/2022, and XX/XX/2022, the inaccuracies persist, adversely affecting my credit profile. 

On both occasions, the account came back verified, leading to the addition of more inaccurate information and the removal of some existing accurate information, further exacerbating the situation. Consequently, the account remains incomplete and misleading. 

Furthermore, my request for a full consumer disclosure file has been ignored, depriving me of crucial information necessary to address these inaccuracies effectively. 

The persistence of these inaccuracies and the lack of response to my request for a full consumer disclosure file are deeply concerning and have significant implications for my financial well-being. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to resolve this matter.. 

I urge the CFPB to intervene and facilitate the removal of the XXXX XXXX XXXX XXXX account from my credit profile, as well as to ensure compliance with my request for a full consumer disclosure file.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the GAP insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Paramount GR Holdings, LLC (LA)

Goodleap has issued a loan under my name that i never applied for. Goodleap has placed a Lien on my property for a loan I never applied or received funds for. 

Loan amount {$45000.00} Notice Date XX/XX/XXXX  GoodLeap www.goodleap.com ( XXXX ) XXXX Goodleap XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX I tried to order my free consumer credit report from Experian. Experian 's website rejected my attempts to sign in and gave no reason for the rejection. Experian 's report was used to reduce my available credit from a financial institution.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA COMPASS BANK Online Banking App states if deposited before XXXX XXXX, that day is considered a " business day '' ... .4 business day hold ... i deposited my check at XXXX XXXX thru said banking app ... .CR states the deposit happened at XXXX XXXX ... .NOT CORRECT So Compass Bank says Friday is not considered a business day. 
Compass bank is holding my funds until Thursday XXXX. which is longer than 4 days. 
CR states that i was made aware of " terms may change '' when i opened the account. I was NOT made aware of said " caveat '' bc i 've had this account for years and the banking app only became available recently. 
Compass Bank CRs ca n't or wo n't tell me where my check is in this holding process and wo n't explain the holding process either. CR states Federal Regulations are at fault but i agreed to no such scenario. CR states there is nothing that can be done and will NOT give me a phone contact # to call the Compass Bank corporate office. ( which again is unethical as this institution holds my $ $ and will not give me the appropriate contact info i desire ) Online Banking App is misleading and Compass Bank practices are unethical to say the least.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

My house was robbed in XXXX while away for my own wedding out of the state. While on the way home we received calls informing us of uses of our credit cards that were clearly not us based on time and location. We went through all of our accounts and got new cards from XXXX and XXXX XXXX and called Citibank to inform them of the incident so it could be resolved. We only use the Citibank card for military moves because thats its only purpose then we pay it off immediately because those are the rules of using the card via the military. Recently we received notices saying we stilled owed money to the card and called to resolve the confusion. Citibank told us about the email we didnt see before and they advised us to send an email of the police report which we did immediately over 2 weeks ago. As of now they havent responded to the report, and a follow up email I send last week Friday.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/2021 I checked the balance of our checking account to see that Nationstar bank had taken an extra mortgage payment out of our account without our permission. While they also put the deposit back in, this is an intrusion into our account that they had no permission to do. I do not have an automatic withdraw set up with them. 

Additionally, Mr. Cooper / Nationstar sent me a letter saying our property was not insured and they were going to pay for insurance and charge us back with a policy that had less coverage and cost more. We have current insurance and always have. When I used the phone number they gave it's an automated system that directs people to a website, https : //www.mycoverageinfo.com/mrcooper/policy-manager/system-unavailable As you can see the system says " down for maintenance until XX/XX/2021, at XXXX XX/XX/XXXXit is past this time, I had an option of hitting zero and getting a live person, I was on hold for at least 20 minutes being told they were " experiencing heavy call volume '', then the call hung up on me. I re-called the auto phone system selected the option to file evidence of insurance via text, the link they sent? The website that is down.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

Westlake Financial debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the Westlake rep ) that the loans would have to be paid because Westlake would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. Westlake had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their Classic Car policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by Westlake via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through Westlake and was declined due to a repo or chargeoff. After being on hold for 45 minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted Westlake many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows two chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of Westlake for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on 2 chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

GOLDMAN SACHS BANK USA XXXX XXXX is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from GOLDMAN SACHS BANK USA and none of these documents have been provided.
Consumer complaint received 2023-09-07
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. (PA)

I am writing to have account # XXXX removed. I gave the credit agency 3 times to correct this issue, well over 30days. Federal law requires that they respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintained a careful record of my communications with them on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), I made it known that they may be liable for their willful non-compliance, still no response.