davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, XXXX, and Experian, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. 

I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. 

The following is the account information and a timeline for the correspondence to the bureaus and creditors.

Credit Reporting company : $ Amount reporting Credit Bureau reporting XXXX XXXX {$4700.00} All 3 bureaus Cache LLC {$18000.00} XXXX XXXX XXXX  {$6000.00} XXXX XXXX XXXX {$4500.00} XXXX XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. 
XX/XX/XXXX Letter to all bureaus requesting proof of debt. 
XX/XX/XXXX Letter to all of the above companies demanding proof of debt. 
XX/XX/XXXX Letters to all bureaus. 
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. 
XX/XX/XXXX Letters to all above companies requesting validation of debt. 
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. 
XX/XX/XXXX Letters to all companies demanding validation of debt. 
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. 

I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. 

Please advise me via US Mail. I look forward to their Reponses. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-12-31
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. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, Transunion, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/21 I deposited a gift from a family member, Chase Bank placed a hold on the deposit. This would be fine but they have additionally froze my account. This is my only bank account. All my paychecks bonuses and money are in the account. 

I am unable to pay my rent, buy food for my family or pay essential bills. I called chase on XX/XX/21 requesting we discuss resolutions, I was told that the only option was for me and the maker of the check to both present ourselves to a bank teller at a branch with two forms of ID. Before I got this answer however I was hung up on 3 times, and spent over 5 hours in hold. I asked the bank what branches would be open or where we could do this, they were unable to promise me where I can make an appointment or when I could meet with someone. 

I offered to have Chase Bank to speak with the maker on the phone and they refused. I asked that they verify with XXXX XXXX, they said that was against their policy. I spoke with XXXX XXXX representatives who indicated they would gladly work with Chase. They told me they had transferred all funds to Chase Bank already. This was bad enough that the representative as XXXX XXXX also indicated she would be filing a complaint. 

I attempted to explain to the bank that they were literally holding all of my assets and I needed some of my money. The bank refused to offer any other solution or to work with me. They said they would unfreeze my account in 10 days. By that time I will be facing potential eviction, damage to my credit score, fees with credit card companys, additional interest on loans and late payment fees. 

I am at a loss for what else to do, the bank essentially took all my families money and left us to starve for 10 days over the holidays. Keeping funds unrelated to check deposit frozen because it is their policy. 

To me this seems like theft, and I am left without anything.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (AL)

SoFi will not honor my disputes for unauthorized charges on My debit card. The charges are from a company in XXXX. I have never been there and still, I am waiting for them to resolve this issue. SoFi ignores my requests for updates.

A customer service associate told me to contact the company where the fraudulent charges were made. I looked up the company-XXXX  and it's located in XXXX. I made some phone calls and unbeknownst to me I was charged for international calls. I have never used international calling so I did not know that it costs so much. XXXX should pay me for doing their investigating for them. Why is this such a hard ask for them? It is so obvious that the charges are fraudulent because the company is in XXXX. They should never have authorized these charges in the first place!!! Any other bank would have known that they were fraudulent.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX, Consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit for the full amount of {$82000.00} by CAPITAL ONE AUTO FINANCE , INC. I was notified of this transgression of my rights, specifically- 15 usc 1601- The Truth In Lending Act by CAPITAL ONE AUTO FINANCE, INC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21! According to 15 USC 1605- The sum of all charges are included in the finance charge & The finance charge does not include charges of a type payable in a comparable cash transaction. I was told by XXXX XXXX & CAPITAL ONE AUTO FINANCE , INC that I had to put a downpayment down for {$38000.00} for the credit transaction to be approved when Im fact cash transactions arent included in finance charge. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE AUTO FINANCE, INC Adverse action taken against me denying my rights of which Criminal damages pursuant to 15 USC 1611 ( 1 ) ( 3 ) are to be fined not more than {$5000.00} or imprisoned not more than one year, or both. CAPITAL ONE AUTO FINANCE, INC is now criminal liable to pay me for the damages.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I have contacted Transworld Systems Inc. several times to get the alleged XXXX account validated. This account is {$380.00} and I was never sent proper information to validate this alleged account. My last certified request for validation letter was sent XX/XX/21. This last request was never responded to. Because Transworld Systems failed to respond, this account must now be removed from all credit reporting agencies. Ive attached 2 different certified and return receipts but Ive contacted this company more than that. This negative invalidated collection account has prevented me from obtaining credit.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

My current mortgage loan is a hard money, 2-year term, 12.99 % interest only loan. The term expired XX/XX/21, and I have been trying to refinance this loan into a conventional mortgage with no luck. I applied with Amerisave at the end of XXXX, we went through the whole process, and were ready to close on XX/XX/XXXX. The day before, the underwriters suddenly decided they needed information on the current lender, which I gave them. They've been asking for more and more information, which I have given them, but they still have yet to approve my loan, despite the fact I have proven to them that I can pay the mortgage I am requesting from them ( about half of what I have currently been paying ), and I have shown them that I fulfilled all the terms of the current loan agreement, except for paying off the balloon payment, which I obviously can't do until I refinance the loan.

I believe that the information Amerisave 's underwriters continue to request is excessive and unnecessary, and I expressed my frustration to the XXXX. He agreed with me that it seemed unfair, and he mentioned that they had treated other clients like this, even encouraging clients to not make mortgage payments, etc. 

In my opinion, I have given them the information they need to approve this loan, and I don't understand why they are stalling and not allowing this loan to close. They are spending way too much time focusing on the hard money loan that is done now and ready to be paid off, but I can't do it while they continue to come up with things to delay the closing. It seems to me at this point they are just creating reasons not to close this loan, even though I have given them everything they have asked for. 

What I would like is to for CFPB to push Amerisave to go ahead and approve this mortgage so I can pay off the loan that expired 4 months ago and move forward with my life. We were supposed to close weeks ago, and I have given them the information they requested. There is no need for further delays on this.
Consumer complaint received 2021-12-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no information.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs bank has locked me out of my on line access for over a week and they advise that it will take another week for them to correct their technical issues. 

The alternative is calling them which is a nightmare of trying to convince a robot to allow you to talk to a human that can help.

I can understand an occasional outage of minutes or hours, but two weeks? I have reduced confidence in their risk management abilities if they can not keep their systems up and running.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

an ex girlfriend used my card while i was out of town and spent all my money toaling in XXXX and bank of america is not doing anything to make this right. Not only have i submitted all the facts and details showing i was out of town while the charges occured and a police report along with the detectives card with contact info there still treating the matter as if my money dont matter. ive been hung up on by multiple reps and lied to by bank of america and yet they still just dont care to even make my sittuation right. please help me get my money back ive gone homless because of this and im currently living in a XXXX
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a XXXX XXXX XXXX who lives on a fixed income. I logged into my BofA bank account only to notice that I was missing {$3500.00}. This was very disturbing as I did not authorize this transaction. Below is synopsis of what happened the steps I took to recoup my stolen money. 

* On XX/XX/2021 an electronic draft of {$3500.00} was deducted from my Bank of America checking account without my authorization. 

* I fell victim to a scam. I received a call from someone who said that they were with XXXX XXXX. I was walked through a series of steps to supposedly update my info to thwart of this security hack. Unbeknownst to me at the time that this was a hoax. 

* I contacted BoFa fraud department to find a resolution to this matter. They in no uncertain terms tried to assist me. Instead, they deemed it my fault and would not remit the funds back to my account. Claim # XXXX * I also contacted XXXX of which I am a customer. Again, they were of no assistance. Ref # XXXX XX/XX/2021 ). 

* I also filed a complaint with the FTC. Report number XXXX. 

* I also filed a police report in the state of NY on XX/XX/2021. Incident # XXXX * I initiated a fraud alert to XXXX as well. 

* As I was embarrassed, I did not inform my son until recently. He recommended that I work with the CFPB to determine a fair and equitable resolution.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

I have contacted Convergent Outsourcing on several occasions, asking for the alleged account from XXXX XXXX for {$860.00} to be properly validated. I was sent billing statements on XX/XX/21 which does not show that I opened this account. My last validation request was sent to Convergent Outsourcing on XX/XX/21 and has not been responded to at all within the 30 days given. This alleged account has not been validated and its now against the law for this account to remain on my credit.
Consumer complaint received 2021-12-30
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: CITIBANK, N.A. (CA)

On XX/XX/2021, I applied for the Citi Custom Cash credit card directly through the Citibank website ( as I feel it's more secure that way ) after seeing an advertisement for it on XXXX XXXX. The advertisement on XXXX XXXX read and still reads that you will receive {$300.00} worth of points after spending {$1000.00} in the first three months. I reasonably assumed this would be the same offer I would receive after applying directly through the Citibank website. After being approved and receiving the card, I found out that Citibank had changed the terms of what they had shown in their advertisement and reduced the promotion to only {$200.00} worth of points after spending {$750.00} in the first three months. I chatted with and called Citi support and was told nothing could be done to change the promotion to the one which was shown in the advertisement for no reason except that they're " unable to. '' I even elevated my request to a supervisor and was told the same thing. This is a classic bait-and-switch and Citi should be disciplined for this, especially since they are refusing to make good on their advertisement.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc (GA)

On XX/XX/12 I logged in to my Chime app to which I see that my secured card account has been overdrawn. I am immediately alarmed and reach out to support to find out how this could have occurred when I have the safer credit building feature enabled on my account which is advertised as the option to use so that you dont ever have to worry about having to make a payment. Also that is operating against the initial definition of a secured credit card - one in which you are only allowed to spend the amount you have added to that card. I reached out to the chat agents including XXXX, a team lead, that stated the same thing Ive written above. My secured card account should not be overdrawn as there was no available balance to be spend on the card, as Chime has stated would need to be there for a transaction to be approved. I have attached image from my conversations with the Chime agents below.in response Chime states that maybe the transactions need to be disputed, extremely concerning considering the fact that I asked how transactions could be approved on a secured card when this card has repeatedly been advertised as a secure way to build credit. The money deposited in to said account is used to cover charges each month therefore charges should not be approved if the balance is not available. This product is being advertised in a misleading manner.