davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (LA)

Currently on call with a representative name XXXX in member services who has not provided disclosure of phone call being recorded. XXXX has verified my account information XXXX different times additionally accepted XXXX different email address I could use to validate my account. Furthermore not stating why my updated email addresses are not valid addresses I can use for my contact email. Ive been on call over and hour now due to XXXX declining to update my account information with the correct email address. XXXX on call has literally stated I shouldve done this at the beginning of the call but I can transfer you to the specialty team. XXXX stated the account has been placed with the specialty team since been. XXXX refused to provide the formal job titles or department of the specialty team, definition of been also why was the account removed from member services with other similar accounts to a specialty team or why was the account reputed to a specialty team. XXXX refused to disclose why werent written disclosures mailed to the address on file when a transaction took place on the account XXXX has refused to update account contact information. XXXX has violated a number of my consumer rights and several violations of the FDCRA. XXXX has disregarded my right to privacy. XXXX has violated 15 u.s. code 1681- procedure in case of disputed accuracy. 15 U.S. Code 1681a- Definitions ; rules of construction. Ive requested that XXXX update my account information to a valid email address so I can rest assured my personal financial information is updated and secured. XXXX decline. XXXX refused to provide me further option but in turn disconnected the call.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

I filed my XXXX IL income taxes late. This resulted in a penalty. Illinois Department of Revenue billed me about {$1000.00}. I entered a payment agreement with them. To date, I have kept up my end of the agreement. I have made two payments for {$100.00}. One was made before agreement was set up, other was made XX/XX/XXXX, on schedule. Additionally, I paid a {$180.00} down payment. 

The purpose of entering the agreement was to PREVENT the debt from being sent to a collection agency. I did not want a smear on my perfect credit rating. 

Yet despite this, Illinois Department of Revenue sent my debt to Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, IL XXXX XXXX XXXX Transworld made a derogatory credit bureau filing which has already impacted my relationship with XXXX XXXX, and now they're harrassing me by calling my cell phone XXXX XXXX XXXX. 

Please cause Illinois Department of Revenue and Transworld to cease and desist collection action.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on my credit report.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Consumer complaint received 2024-02-16
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. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Equifax Credit Bureau is reporting inaccurate information on the following Collection accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX I called Navient questioning my balance. At this encounter I was told that I had been in bankruptcy for 10 years ( XX/XX/XXXX-XX/XX/XXXX ) and had additional interest of {$10.00}, XXXX added to my account which per the Navient representative my total owed was {$26.00}, XXXX. I was only in bankruptcy from XX/XX/XXXX-XX/XX/XXXX and provided the documentation to prove this. After investigation by Navient I was told that I was in bankruptcy for 10 years and the additional interest would remain. I continued to make my regular monthly payments. When I received my monthly payment reminder for the XX/XX/XXXX payment it stated my payment was {$380.00} so I went onto my online account to investigate. Here it showed my payment was {$190.00}. Even more shocking to me was that my account balance was now {$27.00}, XXXX. Which is more than it was in XXXX of XXXX. I did reach out to Navient XX/XX/XXXX to address these concerns. At this point I was told that when the account transferred from XXXX XXXX XXXX XXXX XXXX to Navient ( Sallie Mae at time of transfer ) in XXXX following bankruptcy that the capitalized interest was changed to accrued interest which is where the {$10.00}, XXXX interest came from. I would like this investigated further as this is not what Navient stated back in XXXX of XXXX. Furthermore, Navient 's investigation into the questionable bankruptcy supported that I was in bankruptcy for 10 years even though I provided all of the legal documentation that disproved this. With that the additional {$10.00}, XXXX interest was left on my account. Navient also did not address the fact that my balance with additional balance was {$26.00}, XXXX in XXXX of XXXX and now my balance is {$27.00}, XXXX. I am questioning fraudulent activities on my account by Navient and want it addressed so that my total owed is accurate based on the total owed I was given in XXXX of XXXX when speaking to the Navient representative.
Consumer complaint received 2024-02-16
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Upon reviewing my credit report to prepare to purchase and speaking with my lender it was found that Kia Motors Finance has inacurately reported a late payment in XX/XX/2018 upon my credit. Contacted Kia to inform them of the discrepancy and the representative as well as the manger i spoke to advised it was nothing that could be done unless i disputed it. I advised to them verbally that I dispute the inaccuracy. They both refused to take my dispute and said that it had to be in writing or just do it through the credit bureaus. I know this to be inaccurate, I know that per the FDCPA I as a consumer am able to verbally dispute matters and it must be accepted and noted as being disputed. Again after explaining this to both the rep and the manager they still both refused.
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans (MO)

In XXXX I received this invitation in the mail. It was to apply for this loan. Who knew that I was financially struggling and couldn't get approved for a loan. You could only apply by invitation only. so I applied and was magically approved on XX/XX/2021. Payments are extremely HIGH. but as time has gone by and I have made my payments I have logged on and see that ALL of the payments are going to interest only. Even the very first payment. very seldom has any of the XXXX gone to principle. I borrowed XXXX XX/XX/XXXX and my principle balance is XXXX as I type this. first payment was XX/XX/XXXX. Actually I paid XXXX before XX/XX/XXXX and then XXXX XX/XX/XXXX. Then if you look at the loan contract not only am I to pay back the XXXX I am to pay XXXX in interest. I have called in XXXX and asked if there is anyway to make the payments smaller or to compromise on the interest since I have basically paid the principle back and was told NO. 

I live in the state of Missouri, where I found out there is no cap on interest. I was not aware of that until now. I feel as if RSVP is a predatory lender and that it is a matter of time before they start having complaints coming out of the state of Missouri. 

I just recently revoked my ACH with them on XX/XX/2021 because I discovered that I am a victim of Identity theft. 10 days before a payment was to have came out of my account which was plenty of time for that to have been done as their contract asks for 3 days. They replied to the email acknowledging the revocation of ACH withdrawals on XX/XX/2021 and to my surprise continued to withdrawal funds from my account on the XXXX. As soon as I revoked ACH they sent me to collections but my payment was not to pull from my account until the XXXX. I have emailed the support department and they will not respond. So in the meantime I have filed an unauthorized Ach transaction form with my bank. That money should not have been taken out and should be put back into my account. 

With Covid and people losing their jobs, and everything I am just surprised that RSVP wants to treat their customers this way. I already feel as if I have been preyed upon.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

On XXXX, I navigated through Chase 's Ultimate Rewards portal and found an offer of XXXX Ultimate Rewards points tied to my Freedom card ending in XXXX if I purchased a {$99.00} annual subscription to the XXXX XXXX. I did so and have not received the promised bonus to date. I tried calling in but was told the request would be forwarded to the appropriate department. 

I tried secure messing Chase letting them know and requesting the points as promised but was rebuffed several times. They claim that while I did visit the portal and make the transaction as recorded on the statement, I did not make the purchase via their portal. This makes no sense whatsoever. 

I'm submitting this complaint having exhausted my options for Chase as they seem intent to not follow through on their promised promotion.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (MA)

I paid off my loan to loanadministration ( https : //ally.loanadministration.com ) on XX/XX/XXXX and they have almost {$11000.00} in the ecrow balance and they are saying it will take a month to get that money back. I wind this completely unacceptable and need to get my money ASAP.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified an unauthorized items must be removed. They never got permissible permission to report without my consent and I never consent anything 15 USC1681.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXXXXXX account XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid 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: Coinbase, Inc. (DC)

Thank you for investigating my claim. Briefly, on XX/XX/XXXX my Coinbase account was hacked for XXXX separate transactions totaling {$250.00}. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals. 

I called Coinbase immediately after the first transaction notification and spoke to XXXX, who assured me that the unauthorized withdrawal would be reversed immediately within XXXX hours. After it was not reversed, I called the next morning on XXXX and spoke to XXXX, who denied that the transactions would be reversed immediately and stated that an investigation would take up to 30 days. On XXXX I called again in the morning and spoke to XXXX, who then stated that the timeframe was XXXX days but I could expect an email with more details from the supervisor/investigation team. I have never received any communication from Coinbase. I made another good faith effort on XX/XX/XXXX and spoke to XXXX, who repeated that I would have to wait 90 days. 

I have tried in good faith to resolve this issue with Coinbase to reverse the unauthorized charges, but I have lost trust in their dispute resolution. I feel that they are stringing me along and have no intention to correct their unauthorized debit.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (TN)

I filed a complaint to this agency about two banks conspiring together to charge me fees and charges illegally. 
This agency indicated that a notice was sent to a Suntrust executive but I have yet to hear why their manager on XX/XX/XXXX denied or rejected to cash my check for {$300000.00} presented to a XXXX XXXX XXXX. 

I would like for a bank Suntrust that I have had for almost three years since XXXX refused to cash my check and transfer the funds to the XXXX XXXX XXXX  on XX/XX/XXXX. 

This entire process has cost me time, trouble, issues and problems. 

The federal government plans on transferring hundreds of thousands of more dollars in the near future so I have the right to know what was the reason. Another complaint of discrimination in violation to the American Disability Act ( ADA ) of 1990 by refusing to respond to my request to accept my stamp signature. 

First issue is at hand now as to why my check at first was denied. 

XXXX
Consumer complaint received 2016-10-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (TX)

I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX account XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights. 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 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