davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NY)

hello i ready make a complaint with you against robinhood XXXX market before. the reason why im going another complain is because they stilling my money they lock my account a year ago when i used to have 10,000 dollars or more on profit but today in day drope to 2,800 dollar because i wasent allowed to take my money out..i been sending email plus email asking about my money and they never have the right answer even i get call frome they customer service and all they do is telling me they have nothing else to do because my account its cloused... the reason they cloused my account was because some unemployment money went XXXX XXXX  my account out no where i have no idea why and who money was that but they reversed the money back and still lock my account ... so the other day the reopen my account just for me to take XXXX but my question is where is my XXXX that i have left over because they sold all my share i will send you all proove of what im talking about ....
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 2022-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-Atlantic Finance Co., Inc. (FL)

This is a medical bill that was sold to a bill collector, suspect representatives, XXXXXXXX XXXX XXXX XXXX XXXX XXXX bought this debt and sold to another collection agency, who sold the loan again to mid XXXX. I never did business with XXXX XXXX and I was threatened to pay by telling me it will ruin my credit. This is the only discrepancy on my credit for a reason, because it was a fraudulent action, initially created by XXXXXXXX XXXX XXXXXXXX. Why isnt the question being asked what is the actual debt? Are they claiming to be a credit agency? Do they have my signature on any documents? I can not get this company to act professional for a reason, they are being fraudulent. This has been changing names for more than 10 years so this never will be removed from my credit. Its a medical bill that was bought by a collection agency and the collection agency changes debt collector every 7 yrs. This is a matter of principle. I tried over 10 years ago with XXXXXXXX XXXX XXXXXXXX they threatened everything under the sun. Yet they are a collection agency that resorts to illegal actions to get a collection paid. Even if it means to lie about the true debt which in this case was a doctors office who put in insurance paperwork late, and I changed insurance companies so they sent me the bill. Which I didnt pay because I had insurance at the time of the visit. The doctors office made the mistake and filed late paperwork, and they didnt get paid so they came after me. I ignored the bill from the doctors and next thing I knew XXXXXXXX XXXX XXXX XXXX aka bill collectors threatened to ruin me. Since it was a medical bill I didnt see how they could accomplish ruining my credit. But they did apparently and resold a medical bill as a debt. I made this statement twice now on record with credit bureaus. Keep in mind this has been going on for over 10 yrs so I no longer have these threatening letters from the collection agency aka XXXXXXXX XXXX XXXXXXXX or the doctors bill. So XXXX XXXX out of luck.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America credit card that I have a credit balance of .21 was closed suddenly after having it since XX/XX/2006. The excuse that was given was my co-applicant which is my mom had some debt. She has never been late on any of her cards and never used this card. I added her to establish credit. BOA lied by saying they tried reaching out .I asked if my co applicant is the issue take her off. They said if they open up the card than they will do that. You dummies, why not do that before you closed the card and will cost me an inquiry to try to reopen. No warnings or possible solutions were given before. The reps kept talking in circles and had a difficult time sticking to their original story. This card was closed based on assumptions. XXXX and XXXX would never act this way. My credit score is in the high 700 's but I'm being penalized again because of an assumption. This is simply wrong.
Consumer complaint received 2019-03-23
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: Colony Brands, Inc. (VA)

XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from XXXX XXXX that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX  and XXXX  need to be removed also
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

On Tuesday, XX/XX/XXXX, my wife received a phone call from a Texas number XXXX ( which was disconnected shortly after the phone call when my wife tried to call back ) stating that her husband was pending legal action on a civil matter and if she could reach me. She handed me the phone and the woman proceeded to give me a case number of XXXX and said I needed to call XXXX to speak with a mediator to attempt to resolve an outstanding debt from XX/XX/XXXX or I will be taken to court in 10 days. I called the number and was told the company 's name was XXXX XXXX ' by a man named XXXX XXXX XXXX He asked for the last 4 digits of my social security number and once given, read my entire social back to me and stated that if I go to court the amount would be {$3600.00} plus any attorney fees, but if I paid it the same day I could satisfy the outstanding debt for {$840.00}. If I wanted to split it into two payments, it would be {$1700.00}, but I needed to choose soon. I was given 48 hours after I told him I planned to speak with my wife about it. I have not been served, I am on XXXX XXXX, so I have been away, but my wife has not had any notification or attempts made to serve me while she has been home. When I questioned about the statute of limitations, XXXX XXXX stated that it does not apply to my situation because I moved out of state when I joined the service and that the reason the debt did not show up on my credit report which my wife has me check religiously is because it is from a bank and that would be in the XXXX. When 48 hours passed, he called me again at a XXXX number. When asked for the company 's name they stated " XXXX XXXX '' but when I attempt to locate information about the company or man I spoke with, I find nothing. I told him that I do not plan to pay a debt he can not and will not provide documentation for. He told me in order to show the debt, I would need to agree to a settled amount. When I said I wanted proof of the debt, he said he does not have it and the bank wouldn't since it would have been sold to a debt collection agency and that agency is likely not around either.
Consumer complaint received 2020-12-15
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. (TX)

XXXX XXXX XXXX- XX/XX/2020 UNAUTHORIZED CREDIT INQUIRY AND I HAVE NO IDEA ON THIS COMPANY IS. I WANT THIS DELETED IMMEDIATELY
Consumer complaint received 2020-11-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Despite my previous complaint and Penny Mac 's assurances that it would correct my property address, it has failed to do so. 

My property address has been XXXX XXXX XXXX # XXXX XXXX, MD XXXX since I purchased the home in 2007. 

When Penny Mac acquired the loan they recorded the address incorrectly. 

They refused to correct it on my old loan until I filed a complaint with the CFPB. 

Now, they refuse to correct it on the new loan. Despite multiple requests, CFPB staff refuse to record the correct address on the new, recently refinanced loan. 

The Penny Mac representative that handled the first CFPB complaint told me he would correct the address on the new loan beginning with XXXX. I have made multiple requests to the customer service team also. None have been acted upon.
Consumer complaint received 2018-05-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX assumed servicing of a loan that was cancelled with a XXXX from USAA, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from XXXX attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from USAA for this debt, acting as a substitute trustee, holding a lien.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

My mortgage payment is XXXX per month. I paid XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I paid my mortgage payment in full and on time. I often receive my statement and the funds I pay are not applied to my mortgage. Chase says they hold the funds in until the payment is received in full for the month. How is it legal for them to accept my money and not apply it to my mortgage ( saving me money in the long term ) when they receive it? This is an abusive and deceitful practice and consumers should be protected from this practice. It allows the mortgage company to steal from the borrower.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

Chime and/or the banks that manage Chime banking has removed any ability to see account balances after transactions from their mobile app, online website, and monthly statements. The only balance you can see is the current balance. Additionally, you can not see what you have used for Spot Me. They used to send emails letting consumers know what their Spot Me amount was so that they would know how much was being deducted from their direct deposits, but they have recently stopped sending those emails. Now you do not know what you Spot Me is if you are not watching your account closely right before your deposit. The balance after each transaction used to be reflected under the transaction on the mobile app ; this has also been removed. Thereby making it impossible to see your balances through out the month and after each transaction. 

I have called and complained and was told by the representative that features may have been removed during updates. Removing the ability to see your balance is unacceptable and should be illegal for banking institutions to do. It definitely suspicious and unfair to the consumer because it makes it very difficult for us to effectively balance our accounts at the end of the month. It also make it extremely difficult for us to make sure that our funds are being distributed correctly. 

Lastly, to summarize, the only thing you can see on any Chime accounts are the actual transactions there is no way to see the balances after each transaction - This is very suspicious and should be illegal. 

Thank you
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WV)

XXXX XXXX stopped sending us bills and by the time we realized it 3 months later they had turned us into a collection agency. We are paying them {$100.00} a month for a {$1400.00} debt. Now theyre calling multiple times a day including early morning and late night. The message says its XXXX XXXX or XXXX at MCM. He leaves this number to call. XXXX Theyre harassing me all day and now want it paid in full instead of the {$100.00} a month we originally agreed on. Any help would be much appreciated.
Consumer complaint received 2019-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I contacted Navient by phone ( an ordeal in itself to get a human being ) about 3 weeks ago to inquire about my loan interest when I became aware that I was not enrolled on Autopay, which offers a lower interest rate. I recall I had enrolled in autopay years ago and never stopped it. I kept being told that I had made a phone call to terminate autopay ; the first individual told me my interest rate prior to XX/XX/2015 was $ 6.625 % and {$6.00} after I terminated autopay on XX/XX/2015 by phone call to them. I asked to speak to a supervisor, who told me that I had " never had autopay '' that it had been denied because one of my loans was too old to qualify therefore that old ( and smallest of of loans ) disqualified me for the lower rate. She said if I wanted more information, to email them. I did email Navient requesting documents showing my interest rate prior to XX/XX/2015 and after or any changes in interest rate on their records, and proof that I had disenrolled in autopay ( I never, ever called them to stop it. ) I never received information that I had been turned down for autopay because one loan did not qualify due being " too old. '' I could not find information on their website about what qualifies you for a lower interest rate through autopay. The response to my inquiry was exactly the same they told me on the phone, without any documentation showing my interest rate before and after XX/XX/2015 or proof of my phone call, which is a total lie. 
This is their impersonal ( no individual name preparing it ) response to my written inquiry : Our records indicate that you applied online for the Auto Pay program on XX/XX/2015. Your request was approved on XX/XX/2015. You requested to terminate this program by phone on XX/XX/2015. 

I really appreciate your help on this matter. Either Navient engages in fraudulent practices or their customer services staff is outright unqualified. The result for their customers is the same- tremendous frustration and financial loss.
Consumer complaint received 2019-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES (WI)

Hello, I believe that I was victim to a fraudulent phone call regarding my student loans. I received a call from XXXX XXXX, stating there were some recent changes to my federal student loan that needed to be discussed. I was given reference number XXXX and asked to call back at XXXX, the originating call was in Kentucky XXXX. The prompting system I received sounded very legitimate and was like that I have encountered in the past when calling fafsa. However, I left a message and never got a call back. This took place on XX/XX/19. I know there have been scams like this in attempts to get a voice recording that can be used for fraudulent activity. At the time I was not thinking about it and I have had changes to my financial student loan repayment recently, so I was not suspecting anything. However, when I didn't get a call back I was thinking about it and remembered hearing about a similar scam. What can I do to help protect myself and my accounts moving forward? 

Thank you.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Re  : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX Investment Account : XXXX PSA : XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualified Written Request Dear XXXX XXXX : On XX/XX/XXXX the undersigned filed a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) to XXXX XXXX XXXX , XXXX XXXX ( XXXX ) which falsely claimed to be the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. 

The complaint was responded by XXXX XXXX to the CFPB saying the complaint do not belong to them. But failing to responded to the complainant, as it is required. 

When CFPB allow this improprieties happen, it deprived Complainant from have access to vital information that is need to solve this matter. 

This matter can not be solve without a written responded from XXXX XXXX 

Since XXXX, False claiming have been made that XXXX XXXX XXXX is the holder of the Note of my Mortgage. 

Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. 

New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2 Asset-Backed Pass-ThroughCertificates XXXX  2006-FM2 was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trust 2013-C7, which consolidated different type commercial and residential pooling Servicing Agreements. 

THE FOLLOWING INFORMATION IS REQUESTED IN WRITTEN : 1. copy of all evidence, allonges, blanc endorsement of the note that XXXX as the note holder of the above mortgage. 

2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect, that and that the current Trust is XXXX XXXX, no XXXX XXXX XXXX. 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : Middle District Bankruptcy Court case # XXXX XXXX County Court case # XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (FL)

This to complain regarding a debt collector agency by the name of XXXX  phone number ( XXXX ) XXXX. My wife received a text regarding a debt and some account requested to be block. Not sure if is fraud or a real collection agency.