davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (SD)

I have both a Spend ( debit card ) and Savings accounts with Credit Karma, which until recently I had no problems with. However, after my divorce in XX/XX/2021, the account that was funding my Credit Karma accounts ( at XXXX XXXX XXXX XXXX XXXX had to be changed, as the servicing bank could not simply remove my ex-wife 's name from my accounts. 

I tried to transfer money from my Credit Karma account to my external bank, but due to the bank being in the process of changing my account numbers the transfer was returned to Credit Karma. Due to the return of the transferred funds Credit Karma has frozen both of my accounts and have refused to allow me to regain access, so now I can not only not access my assets, they refuse to allow me to update my account with my new banking information. They also refuse to call XXXX XXXX XXXX XXXX to even verify that what I've stated is true regarding my accounts at XXXX. I understand they can not access my accounts at XXXX for security reasons, but they refuse to even reach out to verify what I'm telling them is factual. 

I have called Credit Karma many times since XX/XX/XXXX in attempts to resolve this issue, however the department that handles this type of situation refuses to take incoming calls, stating they only work via email. I have sent them the requested information to verify my identity with regard to the new XXXX account numbers a couple times now, and still my accounts are frozen, causing me extreme financial as well as mental stress. Now, due to Credit Karma 's unwillingness to unfreeze my accounts, I can not pay my mortgage or several other bills at this time due to their refusal to cooperate.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (FL)

Equifax is reporting XXXX inquiries in my credit file that I did not authorize. This company has failed to delete inaccurate or unauthorized inquiries in my credit file. It is extremely damaging to my credit and character and can prevent me from obtaining credit in the near future.
Consumer complaint received 2018-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I contacted Navient by with my attorney on XX/XX/XXXX. At that time, we were told that Navient would send me a XXXX form to film out. Almost a month later, I still had not received any form from them, so I called again on XX/XX/XXXX and requested that a XXXX form be both mailed and emailed to me. To date, I have still not received any XXXX form from Navient. I expect to be given an extension on my forbearance at no expense to me until they get me the XXXX forms.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have wrong item reported in my credit profile by Transunion only. Please help me to remove it because this account is not mine and I have a very good credit profile, and suddenly this fraud item appeared its not fair. Thank you for understanding and I hoe you will remove it.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hello Im filing a complaint towards chase bank due to inability to access my account also as an unauthorized amount of money taken from my account. I called the necessary departments to handle both of these situations but yet to receive any help. The numbers I call go straight to voicemail its been 2 months now causing my bills to stack up. I have money in my account that I cant use to pay my bills. Hopefully I can get this resolved ASAP. Im Fixing to get evicted due to this issue.
Consumer complaint received 2021-07-20
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. (VA)

It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.
Consumer complaint received 2022-10-13
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. (GA)

Experian is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification whihc ahs resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on experian website along with identification ( CM : XXXXXXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TN)

I disputed numerous duplicate charges on my account, they were supposed to investigate and instead they closed my account and sent me the following message. I need help getting the duplicate charges back from my checking account that they closed. 

Hello XXXX, Yes, I do apologize, it does appear that your account has been closed due to unusual activity and can not be reopened. We will attempt to return any funds that were deposited into your account to the originator. You will need to work with the originator to receive your funds. If the funds cant be returned they will be escheated to your state of residence upon reaching dormancy, which varies depending on the state and can take up to 3-5 years. 

For now, I will be closing your complaint. 

If you would like to reopen your complaint, you can do so simply by replying to this email with your complaint reference number and best contact information. Once I receive this from you, I will gladly reopen your complaint and reach out to you directly to discuss this further. 

Thank you for choosing MoneyLion! 


XXXX XXXX XXXX Customer Advocate | Escalations MoneyLion Customer Advocacy XXXX XXXX. XXXX XXXX, XXXX, UT XXXX
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SLM CORPORATION (VA)

Multiple problems but the 1st is with the sign up rewards bonus. I was supposed to get {$200.00} sign up reward after spending {$1000.00} in the 1st 3 months and that never happened. I'm also supposed to get 1.5 % rewards on each purchase but that ceased without notifying me. 

There is a separate problem with payment processing. It took them 45 days to process a payment one time. Now, they have a payment " on hold '' and are not allowing me to use the card. My current balance is- {$390.00} ( because of the delay in payment processing ) so they actually owe me {$390.00}. 

This is the Sallie Mae XXXX Credit Card. My limit on the card is {$7000.00}. Calling their customer service is not effective.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

This regards the " XXXX XXXX '' program from the Experion Credit Bureau. 
program. I signed up for the progam and a few months went by. 

I then saw a promotion for the program that I could include my rent in the " XXXX '' program. 
I tried to add rent but the first thing they demanded was that I share my bank account details. I was not comfortable with that. It turned out they didn't accept the company that I paid my rent to .They have their own select rent providers you have to pay rent to.

I assume they have a business arrangement with these comapanies.

I decided against signing up with their business partners to pay my rent. I revoked access to my bank account for Experion.

I then recieved repeated emails demanding that I provide access to my bank account when that was previously not a requirement. Now, they are threatening to kick me out of the program and unless I comply with their demands to have access to my bank account.

In my view, this is blackmail and an abuse of their outsized position in people 's financial lives.

The program is there to presumably help your credit score.

So kicking people off the program is a threat to their credit score.

After revoking access to my bank details, Experion sent me an email saying my credit score had dropped. I checked for the reason and there was none.

No new debt, no missed payments etc ....

Experion is using this program to exploit people 's personal data and using blackmail to do it.This is extremely shady.Experion is in aposition to affect peoele financial lives and they are exploiting that.

Experion has a history of very large data breaches. People should not have to be drawn in to provide them with mroe information than other credit rating bureaus get just to provide a legitimate credit score.

I am now recieving daily emails from Experion with these threats. 

This is the partial text of the email : " Dont forget : Time XXXX running out to reconnect your Bank XXXX XXXX account XXXX XXXX to keep enjoying Experian XXXX and Personal Finances via your Bank XXXX XXXX account, you need to reconnect it. ''
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

I received a notification from the credit bureau that there was a delinquency on my report from Transworld Systems Inc in the amount of {$51.00} with no associated date. I received NO communication from this company about any alleged debt. After investigation, I discovered that the alleged debt was to be collected for XXXX. I spent about an hour on the phone with XXXX and was assured that my account was in good standing and they had no knowledge of any debt or debt collectors associated with my name or my account.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Porfolio Recovery Associates LLC, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I was reported to XXXX and XXXX XXXX for " Checking Account Fraud '', Bank of America. At the time I was reported, it was stated that I owed Bank of American money. Both statements/allegations were false. I have asked them investigate the matter and tell me how I committed fraud, but they will not provide the proof. The only thing that was changed, is Bank of America reported that I did NOT owe them any money. I don't care that Bank of America will not allow me to bank with them, but I believe reporting that I committed fraud was discriminatory, especially when BANK OF AMERICAN did not suffer any losses. Did I make a mistake - yes, but I did not commit fraud. There was no court of law that determined I was committing fraud.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (GA)

On XX/XX/2019, I submitted a fax to request my Early Warning systems consumer report to be delivered electronically. As of today, I have not received my report. FCRA laws outline my authority to request these consumer reports so I may review them for accuracy.
Consumer complaint received 2021-10-22
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. (AZ)

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

SPS approved me for a COVID-19 Deferral of your outstanding payments outlined in the the COVID-19 Deferral Confirmation Notice sent to me on XX/XX/2021. SPS offered an 11-month Deferral Plan.

Due to ongoing hardship caused by the Covid-19 Pandemic I requested and request an extension of the forbearance plan I was enrolled in mandated in the FHA, XX/XX/2021 Mortgage Letter XXXX. 

SPS ignored my requests in violation of White House Rules necessitated by the Covid-19 National Emergency. SPS needs to enrol me in the extension and remove the delinquencies from my account. 

SPS failure to allow me the relief mandated by the White House and FHA has caused me XXXX XXXX and exacerbated my XXXX XXXX.
Consumer complaint received 2024-02-20
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. (GA)

In accordance with the Fair Credit Reporting Act Convergent : account XXXX XXXX XXXX # 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.
Consumer complaint received 2018-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

XXXX XXXX  removed these accounts from my credit on XX/XX/2016 for amt of {$380.00}, {$190.00}, {$250.00} and were never validated. They also have not sent me any notice as to reinserting this information onto my credit report which is required per If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I have yet to receive anything. Furthermore, the company is NOT licensed in the state of TN or bonded per the state regulations in Tennessee. You have to be licensed and bonded to collect any funds on collection accounts, as well as these accounts are well over 7 years old!
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I opened a PayPal account back in XX/XX/XXXX as I like to play casino games online. Because I play quite a lot, I also use the PayPal account quite a lot. Several times a week. PayPal enabled me to easily deposit and withdraw to my casinos accounts, which is something they advertise on all the websites I play at. All these casinos are registered with the New Jersey Division of Gaming Enforcement.

I have a few friends who do the same and they also have PayPal accounts for the same purpose. This means that we occasionally send money between each other as well, PayPal account to PayPal account. Everything has worked great for the last 14 or so months until last week [ XX/XX/XXXX ] when I received an email saying my account has been limited and that I would not be able to send or withdraw my money. PayPal requested some documents and information from me which I complied with on Sunday 12. During this time I was also informed that my friend who recently transferred me some money had also received the same message and had his account frozen. I didn't think anything of it and thought they are just routine checks. Later that day I received an email from PayPal stating that my account had been closed and that they're withholding my money for 180 days! They didn't give me any reason for this at all. I have also found out since that my friend had all his restrictions lifted and PayPal allowed him to keep his account. 

This is completely unfair. I haven't broken any rules. I have {$16000.00} in the account and they can't just take my money away from me. Please help me with this situation, I'm not sure what to do.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a promo from CapitalOne to get {$400.00} bonus to open a new checking account. on XX/XX/XXXX I opened a new checking account and then met all requirements ( make two direct deposits {$500.00} each ) to receive the bonus. Three months later, CapitalOne just closed my account without any notice. Instead of giving me {$400.00} bonus after I met all the requirements, they just simply close my account.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have been request couple of times to remove unverified accounts from closed my account of my credit report with XXXX. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with XXXX, XXXX XXXX, XXXX  ) Please remove the following item as soon as possible entirely. 
JPMCB CARD -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter