davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I'm in the process of trying to lease a new apartment. Today ( XX/XX/2021 ) a leasing company asked me to unfreeze my Equifax account so that they could do a credit check. 

- First I tried going through the Equifax website, I created an account and submitted information so that they could verify who I was. Then I reached a page stating the verification failed and I could either have them mail me some documents or call them. 
- So I tried calling. I went through an automated verification process where I once again submitted information like my SSN. They sent me a verification code to my phone number which I entered. Nevertheless, in the end I was told that I couldn't be verified and provided with the option to talk to a human agent. 
- So I talked to an agent. Once again I provided information like my SSN, address, phone number, date of birth, email, etc. I was sent a link so that I could take pictures of my driver 's license. The software asked me to retake the front picture of my license 4 times although the picture looked fine to me every time. After the 4 time I reached a screen stating " Sorry, you exceeded your photo limit. '' The agent on the phone informed me that I would now have to send documents by mail or fax in order to get verified : photocopies of my social security card and driver 's license, and a cover letter with additional personal information stating that I requested my credit to be temporarily unfrozen. This would take " 3-5 days to be processed ''. 
- I informed the agent that rentals are competitive in my area and that I needed the leasing agency to be able to access my credit score today. I also explained that I was in possession of a PIN that was given to me when I paid to freeze my credit. However I was told in no uncertain terms that there was nothing else said agent or their supervisor could do. 

I initially froze my credit because of the Equifax data leak a few years ago. It's a service I had to pay for at the time ( something like {$10.00} or {$20.00}, I don't remember exactly ). Now I was told they are not using PINs anymore and I'm supposed to hand over personal information and documents to the company that leaked my information in the first place. Not only that but their process has multiple points of failure which makes unfreezing my credit time consuming and burdensome even if I am willing to provide said documents and information. This is unacceptable in my view.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (GA)

On XX/XX/2021, I made several attempts to withdraw funds from Gemini.com. One for {$500.00}, {$450.00}, and {$400.00}. At the time, I had a balance of XXXX {$560.00} in XXXX. All were denied with the explanation being " Your transfer requires additional review by our risk team and can not be completed at this time. '' This is really frustrating, and I don't consider the explanation provided as legitimate. Why does withdrawing funds that are rightfully mine pose a risk? Those funds are my rightful property and I should be able to withdraw them at any time, irrespective of any risks to me from doing so. Alternatively, if the message implies my withdrawal in such small amounts is a risk to Gemini, I would respectfully suggest that Gemini 's capitalization deserves further scrutiny. If a simple {$500.00} withdrawal request can put millions of consumer investments at risk, that is an issue worth looking into. 

Thank You, XXXX XXXX
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

I Was using Chime to receive my direct deposit Its. Everything was going fine until I was incarcerated in 2020. I had A little over {$5000.00} it's in my chime account until I was incarcerated While spending time in jail I could not give anybody my Personal information such as my social security number to access my account I account and of course I could not access my account my account myself. When I Was released from jail the 1st thing I did was try to log into my bank account and I was told that my account was closed I have been sending email after email after email to chime customer support months later I finally received a response and they told me they would look intold me they were looking to my problem until finally after some time XXXX after some time they responded and told me they determined I was uneligible to receive my own money. I have no idea how this could not be illegal I need my money. there was nothing I could do about my account Not being used for that period of time either way it was my money and when they close my account I should have been sent that money immediately please get me my money return to me thank you. I will attach whatever emails I have what what please note the email I use now is different from the email address I had when I opened the time account
Consumer complaint received 2020-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Myself XXXX XXXX I live in XXXX XXXX XXXX, XXXX MD XXXX, I have an account with Bank of America for Many years i had a Checking and savings and rewards savings account in Bank of America, in XX/XX/2018 someone put a fraud check in my checking account first time Account number XXXX I called Bank of America and they stop the payment from going through and again someone put a fraud check in the same account I called Bank of America again and they froze my whole account including the saving and reward savings that was connected to my checking account and the bank also blocked our access online so that is the reason I could not have checked online either and the bank never sent me an email or email or number of called i could not see any of the activity that were happening in my bank account so how am I supposed to now the bank is giving my hard worked money to someone that I put in my saving rewards account number XXXX when the bank doesnt have any rights to give money from my savings reward account even the guy that put in the fraud check neither was there my name or my address or my signature and also I did not have my account number and also these was not even my account check I dont understand how the Bank of America can do such a big fraud with me sir I am very up set because this is almost 2 years I have asked a lot of people for help me I emailed the Bank of America CEO and the mayor of Maryland mr XXXX XXXX XXXX XXXX. I hired a lawyer and the lawyer said its not your fault and I will get all your money back to you and he has already taken {$2000.00} and then the lawyer did not do anything for me and I am also sending you the email that I have received from the lawyer And I am very upset Thats the bank did such a big fraud with me The bank keeps on telling everyone that I have to inform them in the next 60 days. But how am I suppose inform Bank of America when bank of America froze my bank account Sir I really need your help because it was my hard worked money that bank of America just gave to some one XXXX XXXX XXXX SPRING TIME WAY XXXX MD XXXX XXXX ; MAIL XXXX ph ; XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NC)

On XX/XX/XXXX I submitted a complaint with CBE Group on debt collection and written notification about debt since I did not receive by mail. I got the response on XX/XX/XXXX from the company from XXXX XXXX a compliance officer. She states the client will forward debt validation. From what I hope by mail, not email. because she states CBE Group sent notice of collection account on XX/XX/XXXX meaning final notice before being sent to credit bureaus. CBE Group sent to an email address which is that she supposedly confirms by " matching ''. I do not see any attachments from my complaint # XXXX in which I provided documents ... why isn't this shown for me to inspect. XX/XX/XXXX and XX/XX/XXXX the accounts was opened in the credit bureaus. Then they send to my email address on XX/XX/XXXX for notice. Which is wrong and falsification. I do ask since you sent this " notice '' how come you couldn't send a BILL THROUGH EMAIL. Explain that. So now the client is forwarding my debt validation soon from which source email or mail it is not clear. So now I am filing a complaint on false statements. Again I do not believe anything was sent to my email, if it was this company they are not in my contacts, first I wouldn't know who they were to begin with, with no bill or account number, etc. It was probably sent to junk, If it got into my inbox I still would not know who these people were unless I got a bill. So since this is in credit bureaus I apparently have no resolve, in which I offered, but you want me to discuss the matter, to what record me. You all ready have made false statements. Please note XX/XX/XXXX. XXXX email was sent : by client on XXXX XXXX. Not in XX/XX/XXXX. The documents I enclosed are when this account went into credit bureaus XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX a notice of collections was supposedly sent to email, a notice means before being sent to credit bureaus. How can this be?
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

I pulled my credit reports and noticed this organization reporting on my credit reports. My first initial communication with NCB Management was a certified debt validation letter w/ tracking numbers XXXX ( that was delivered XX/XX/2021 ). I never received an response from NCB MANAGEMENT. I called them up on XX/XX/2021 and was told they responded to me through email. I never received an email from NCB Management regarding this account. I then requested for them to respond to that letter through USPS mail and was then given the run around and asked numerous of questions as to why I want this information. The rep was super rude and didn't help me at all.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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 2021-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: IOWA BANKERS MORTGAGE CORPORATION (IA)

On XX/XX/XXXX, I was contacted by an employee of the Iowa Bankers Mortgage Corporation about my VA XXXX loan that I requested a forebearence on in XXXX, XXXX. I submitted a complaint in XXXX, XXXX because I had continued to receive threatening mailings from Iowa Bankers Mortgage Corporation that stated my loan was delinquent and that I may be foreclosed on if I didn't act. The mailings also showed the corporation charging me late fees for my forebearence. I am unclear why I was called about this but it seemed to be about the collection of a debt though that was never told to me. I was also asked personal information about my financial situation and my and my plans moving forward. Since my forebearence was granted by the CARES act, I don't believe any of these questions or the phone call itself was legal or appropriate. I believe it was an attempt to intimidate me for having exercised my rights as a consumer to make a complaint about their corporation. The phone call ended when I agreed to receive another phone call next month from a debt collector to assess whether or not I still need a forebearence. Overall, the tone of the phone call was condescending, intimidating, and rude.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I used MoneyGram app to send {$100.00} plus {$.00} fee to send some money to overseas on XX/XX/2021. They had the option listed to send the money directly to their bank account. My recipient to this date never received the funds. I made multiple inquiries to get a resolution on this issue and started a complaint which they opened a case on XX/XX/XXXX. XXXX Finally they emailed me on my case on XX/XX/2021 stating the Money was transferred to the recipient 's account with delays but it is NOT in their account to this day. I called them and wanted to talk to a supervisor and they advised me to reply to the email instead of calling here. I did respond to the email again on that day and havent heard anything again. The resolution they had was since it was transferred with delays they will reimburse me the XXXX cent but I had to go to a physical MoneyGram location and fill out paperwork just for the XXXX cent but no solid evidence to support the money was in fact transferred to my recipient. 

Thank you!
Consumer complaint received 2017-10-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.
Consumer complaint received 2021-12-03
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. (NC)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I wan na apply for the auto loan, the lender can pull XXXX  and XXXX  easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (FL)

I reach out to the credit reporting agency XXXX, XXXX, and XXXX and notified them that this account with Sunrise Credit Service if fraud. I never open or had account with this company. I sent letters requesting the information be remove. I also stated that this fraudulent information is hurting my credit. 

1collection Total balance : {$1300.00} SUNRISE CREDIT SERVICE Original creditor XXXX XXXX XXXX  Balance {$1300.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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. (NC)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2021-05-06
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. (CA)

ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21
Consumer complaint received 2020-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient isn't willing to work with me on the payments, they are charging me per month more than what i make in 2 weeks. I'm currently trying to get my loans switched over to another company but no luck so far. I  tried to get to lowered based on my income back on XX/XX/XXXX but they weren't willing to work with me. They lowered it from XXXX to XXXX but people making a lot more with other companies are only paying XXXX or less.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

I received an electronic transaction for the amount of {$200.00} yesterday XXXX/XXXX/XXXX, at XXXX pm. I called the costumer service number for chase bank at XXXX, making sure that the transaction was successful and was told 'yes '. I called to make sure because I knew that had I an automatic payment for a credit card. Now the bank says that the money was not available and they charge me an insufficient fee of {$34.00}. They do n't want to refund me that money after a bank representative said that the funds were available.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NV)

I filed a dispute for unauthorized inquiry 's on my credit profile over 30 days ago and still no response from credit bureaus This furnishers has been made know by federal law enforcement department that this account is fraudulent and not authorized and they continue to report illegal information on credit report. This account should not be reporting and they refuse to remove this information.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

I became aware of a negative mark on my credit reporting profile when I interrogated it prior to an auto loan today. I then became aware that this debt is in collections ( XX/XX/XXXX ). 

I then reached out Credit Collection Services who told me they sent me two notices to my address in XXXX  ( which was >1 year old at that point, as I had relocated to XXXX XXXX ). The first two notices were XX/XX/XXXX and XX/XX/XXXX. They were sent to XXXX XXXX XXXX XXXX XXXX  XXXX. Apparently the XX/XX/XXXX letter, which I would not have received, was an " intent to report letter ''. They then sent me two more letters, neither of which were verifications of the debt but rather stated the balance owed ( from what I have been told by credit collection services, I never opened these nor do I recall seeing them ). These letters were reportedly sent to my correct address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I was called once XX/XX/XXXX and left no message to call back or a number at which to do so. I have not been called since that time. 

I was reported to credit agency XX/XX/XXXX by per Credit Collection Services. To my knowledge I have not received any communication from them since that time. They report a letter having been sent, which I do not remember, about a balance due. They have not called me. They deny having informed me of having reported this balance to a credit service agency. 

Additionally, I can not confirm that why I owe this money to XXXX XXXX. Every time I call Credit Collection Services I get redirected to XXXX XXXX. I called liberty mutual billing to figure out what I owed and they could not find the policy number. I reported this to credit collection services who then told me to call customer service. I again called liberty mutual customer services rather than billing. They would not discuss with me and directly transferred me to Credit Collection Services. 

I am aware of the policy. I had been previously living in XXXX ( where the policy was written ). The policy was then automatically renewed in XXXX despite the fact that I no longer lived there and I was not driving the vehicle and had chosen not to register it in XXXX XXXX. I called XXXX XXXX to cancel the policy and they continued to bill me. I then put a stop on my credit card. I subsequently insured the car in XXXX XXXX with XXXX in XXXX. 

It's unclear to me how I can be reported as having an unsettled debt to a credit agency for greater than 4 months without any attempt to contact me. They are also providing no way to effectively dispute this debt. XXXX XXXX incorrectly renewed a policy written in XXXX for a vehicle that was outside of Texas and not being driven. I have been offered no avenue for resolving this dispute by either company. 

I want the debt cancelled and the negative remark removed from my credit report.
Consumer complaint received 2021-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX  XX/XX/XXXX TransUnion XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-04
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: CITIBANK, N.A. (OH)

I have a credit inquiry request from citibank, XXXX on XX/XX/2021. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.