davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATION/XXXX XXXX *DEPT OF EDUCATION/XXXX XXXXXXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
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: ALLY FINANCIAL INC. (IL)

I've previously submitted a complaint to Ally Financial on this site. XXXX from Ally call me back this week stating that they CAN NOT find my name in their system. I provided my SSN to him and no word. I need this resolved ASAP as its negatively impacting my credit score. As its past the 15 days from my previous complaint.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TN)

XXXX advertises on their website that there is special financing with a XXXX credit card. I applied, was approved. Attempted to buy a lawn mower on the same XXXX website advertising special financing with the XXXX card and you can not even use the XXXX card on their website. When I called XXXX customer service they informed me that something happened about a week ago and now people can not use XXXX card on their website. They have known this for a week, but people like me, are allowing a hard credit pull to be done because we apply for the card and then can not even use it. I asked customer service to connect me to anyone who can take my order over the phone and they informed that they can not accept the XXXX card even with a customer service agent. Now I am left with a hard credit pull, a useless {$22000.00} credit limit. When I contacted TD Bank who is the bank the card is actually backed by, they were unaware that XXXX was having issues. 

It is unacceptable that XXXX has known about this for over a week and are still advertising this on their website and allowing customers like me to have their credit report pulled!
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (TN)

During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX  XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.
Consumer complaint received 2022-12-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

This complaint stems from a " supposed '' unpaid property tax payment. Both payments were made within the due period. There was a mix-up of my first name on the 2nd payment. The correction was made with the XXXX XXXX Collector. When I received the 1st notification ( approximately XXXXXXXX XXXX ), I spoke with a representative of PHH Mortgage and explained both payments had been made in the allotted time. I then began receiving letters threatening foreclosure. I have spoken with many representatives from PHH many times regarding the situation. I even forwarded, by email, PHH on XX/XX/2022, a copy sent to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually received threating letters stating I am in foreclosure. The latest letter is from XX/XX/2022. This continual threat is causing me a lot of stress and anxiety. PHH is also charging me {$1000.00} for " paying my property taxes '', which were already paid!! 
I'm hoping that by issuing this complaint I will no longer receive these threatening letters. I only wish I could dissolve this reverse mortgage with this horrible, horrible company. It's been one thing after another with PHH Mortgage.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 a person I know encouraged me through social Media to trust in his financial mentor to invest in bitcoin and other crypto investments. 
After some talks and " orientation '' I was asked to invest by first sending a XXXX payment of {$1500.00}. This money would then appear in a website they have and multiply in 48 hrs. 

I soon realizes it was a fraud scheme and the person I know was involved as well. 
I reported the case to a federal agency and immediately to my bank. Bank of America. 

The bank suggested me to wait a period of 60 days, after 60 days they mentioned they weren't able to retrieve any funds from the other person and that they were closing the case. 

I have been banking with BofA for 12 years and they weren't able to help me when I was scammed.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

month of XX/XX/XXXX XXXX in fees XX/XX/XXXX XXXX XX/XX/XXXX XXXX in fees Total of XXXX with in 3 months. 
I work for XXXX and XXXX. You have good days and bad days. Times when 7 rides can be XXXX or more ans some days. 15 rides can only be less then XXXX. So you just cant predict what your making that day. I use my debit card to deposit the money I make daily And so I use it to put gas and to eat. I am constantly using it. If I over draw my account just by 3 fees. Its impossible to be able to Make enough for that day to have enough gas To just be able to cover those fees. So I deposit money in my account but at the same time accumulate more fees because its a hole I am not able to get out of. Its endless fees. 
I cant just not work to cover the cost of my fees and I cant open a different account to keep working wile paying the fees and keep feeding my self.. And avoid fees. 
I spoke to chase my situation they basically laughed at me. Because of these fees It eat all of my income. Unable to pay my rent My bills and my car payment. Its unthinkable that a financial institution is allowed to rob. 
People in this way. Basically taking advantage of people with low income. 
Its morally and ethically wrong. I called them to please refund me half of it. There excuse was weve giving you XXXX. Its outrageous And insulting to even say that. Trying to justify Why I should be happy with what theyve returned. Its infuriating and appalling. How they dont care and heartless Institution That only cares to take as much as they can And turn around if they just ruined someone life. Your not given much of a choice when it comes to banks that are willing to work with you. 
If you need a replacement of a card. You cant go to a branch to get one. Now its mailed and Its another way to accumulate those fees wile waiting to card .and extend the charges to different dates to continue to over draft the account. Theyve found ways to be more profitable. Then before just in fees alone. 

With in 3 months I accumulate XXXX just in fees not including Past years XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Phelan Hallinan Diamond & Jones, PC (NJ)

This complaint is related to Case # XXXX which is not resolved. Disputed response from company but was advised to resubmit complaint. Company did not respond to XXXX out of XXXX requests : Req # 2 - Loan Accounting and Third Party Servicing Systems Information Req # 3 - Existing Admissions See accompanying attachment : " CPFB Dispute to XXXX response XX/XX/2016 " for details.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

Foreclosed while on forbearance by US BANK attorney USBANK didn't know that this happened and tried to collect payment after my HOME was STOLEN Over {$1500.00} in NSF fees Multiple police reports of harassment were made against USBANK and the attorney XXXX XXXX  XXXX Severe criminal misconduct has occurred. 

Please send investigator and United States Marshal I would like to be a witness at the next Senate finance testimony of the big bank CEOs I have specific incriminating questions I want to ask XXXX XXXX and the rest of the CEOs
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc (GA)

AFFIRM , INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I wrote the company several times to remove this debt from credit report. It was a canceled purchase on XXXX for a trip that I did not take. They still haven't removed it from my credit report. 

I received my XXXX Dispute result on XX/XX/2023 and the status of AFFIRM , INC says remains. When it should be deleted from all of my credit reports XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (MD)

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 Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX  Account name : XXXX Account number : XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXXXXXX has violated my rights. Or 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 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have spent XXXX hours total on hold in the past week attempting to get access to my Citizens bank account online and through their mobile app. Their support personnel keep saying " there's a new authentication system, and it isn't working... there isn't anything I can do... try again later ''. I try again later, days later, and still nothing. The nearest physical branch is nearly an hour away from me and they will not fix their online access issues. Their support people do not have any ability to fix, reset or unlock accounts- and they have repeatedly stated that they, too, are frustrated with the poor software that was rolled out for the new authentication system which is non-functional. 

I have no access to my money at all because of this issue and the bank is not resolving.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a call for a lady named XXXX who said she was from the fraud department about an account. She was asking very personal questions about where our money comes from and our spending habits and how we use our money. I thought these questions were non of her business. 

After this call I was locked out of all my accounts with not internet access also. I called them back to ask about this and they said my accounts were under investigation for fraud. I monitor my accounts closely and have not seen anything to indicate fraud. I am also the POA for my mothers accounts as we have had to put her in a XXXX XXXX because of XXXX/XXXX. I have been taking care of my mothers finances for over a year with out any problems, but now I can't access her accounts to continue paying her bills. 

I want to file a formal complaint against this XXXX person as she has meddled in my accounts and has caused a lot of hardships for my family.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation ()

Sir/Madam : I am writing to you to resolve an ongoing issue with my XXXX XXXX Prepaid card XXXX XXXX XXXX XXXX. The name on the card is XXXX XXXX. I have been trying FOR WEEKS to get one of their appalling customer service reps to get this taken care of, to no avail. 

Explanation : My son and I had a web company called XXXX XXXX. We owned a number of domains, including XXXX   and XXXX. I retired and my son continued to run the company until he closed it a couple of years ago, but as far as I knew we retained the domains, which I used as my email addresses : XXXX and XXXX. A short while ago I realized that I wasnt getting any email addressed to those domains. It turned out he had sold them without telling me, not realizing I still used them. This caused me the current nightmare : I used them for all sorts of logins ; banks, XXXX etc, including XXXX. I have been trying to sort it out since. 

On XX/XX/XXXX a customer service rep of theirs helped to close them and use a new one at XXXX. However, I realized after we hung up that I couldnt get into my prepaid card account because it used the XXXX login to access it and she hadnt noticed it ( on the assumption she could see that information ). I have tried to get another of their reps to fix it - just allow me to use the card and Ill spend the {$60.00} on it and close the account. As far as I knew that was fine, I was going to do that onXXXX  XXXX, until that is, I got an email telling me the card was suspended for some reason. I called XXXX and spoke to a XXXX, who seemed unable to access any of the details of the previous conversations. It's a classic case of the left hand not knowing what the right hand is doing. I have now made 6!  international phone calls, sometimes being on hold for 45 min at a time. 

This is absurd! I probably spent more in phone calls from the XXXX, where I am at present, than there is on the card! There is nothing wrong here, all I need is someone in this dreadful company with some way of seeing the global picture to unlock the card, let me know and Ill go to XXXX and buy a gift card for my granddaughter with it and be done ; which is what THEIR REP told me to do on XX/XX/XXXX! Thats all I want. Using this card has been a farce, as soon as I use it in the XXXX theres a problem. Excuse me for using the card in a globalized world. 

Should anyone wish to call me my XXXX number is XXXX XXXX XXXX, but a simple email telling me the card can be used on XXXX with be fine, and I will bother them no more, I promise as XXXX is my judge. 

Yours truly, XXXX XXXX, XXXX.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank/Gap is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted.When this first started unfolding, my employer took safety precautions and cut everyone 's hours leaving me to barely scrape by. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that you please make a goodwill adjustment and remove the late notations.