davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America platinum credit card {$100.00} air fare is not Refund On XXXX / XXXX, I bought a seat fee for spirit Airlines XXXX Dollar and I have not Refund it until now When I applied for a credit card, the welfare plan specifically stated reimbursement of {$100.00}, seating fees Didn't tell me which airline wasn't included
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

XXXX XXXX XXXX XXXX  falsely charged me for leaving an uninhabitable apartment. I left after the apartment manager repeatedly refused to send pest control for their infestation of cockroaches. I left the place in pristine condition, yet I was accused of leaving the place in bad condition and charged an exorbitant amount. I contacted IQ data international in XXXX of 2023, to work out a payment plan to settle the debt regardless, because I plan to buy a home and this is preventing me. IQ data refused to work out a payment plan, instead referring me to their 3rd party credit " fix-all '', XXXX XXXX, who stole {$500.00} from me and did absolutely nothing. I have proof of payment. I filed a dispute with IQ data in XXXX, 2023. It has since been listed as disputed, however meets FCRA requirements. I question this due to the numerous class action lawsuits filed against IQ data international. I want to settle for less, or pay to delete, but there are no options available to me as IQ data International is a scam artist. I need help, please, as this is preventing me from progressing in my life.
Consumer complaint received 2024-02-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc (MD)

I received an email from my bank stating that they have my tax refund but cant deposit it until I provide documents proving that the refund belongs to me. I provided chime with the documents on XX/XX/XXXX within XXXX minutes of their request and I waited on them to process it. They said please allow XXXX hours for a response so I waited XXXX hours and called to see if I could get it done over the phone and they basically stated that they didnt have a deposit. I then called the comptroller on monday morning, and they stated that my refund was already deposited on the XXXX and that my bank has the funds. I called my bank and I told them that information and asked why is everything on hold and they couldnt provide me the information or tell me why is it that I verified but havent received anything still.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I filed a dispute with PayPal back long ago as I was scammed {$12.00} from an online seller. Long story short, it was found in my favor. Now, even after I have closed my PayPal account, and spoke to a PayPaL, customer rep from the executive office stating my cases have been resolved found in my favor, and closed my PayPal account. I received email notification that PayPal is debiting my closed account. This is the biggest cluster ever where a major us company has no clue what its doing. I want the XXXX to stop PayPal from debiting my account for a case that PayPal executive relations found in my favor. There is no reason that I am being harassed continually from PayPal even after settling disputes and closing out the account. If anything there is money on my closed PayPal that needs refunded to me. In fact I have XXXX from XXXX that was refunded to my now closed PayPal account that needs sent to me. And PayPal will not help with this. They are illegally debiting my account and holding credited funds of mine.
Consumer complaint received 2024-02-26
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: GOLDMAN SACHS BANK USA (MD)

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear GreenSky, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with GreenSky XXXX, does not belong to me, and I have never authorized or engaged in any transactions with GreenSky. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (MI)

I always make mortgage payments early, often a month ahead of due dates. 
The mortgage servicer does not apply payments when received and often holds them, I can only assume to bar me from avoiding accrual of interest. When I pay early it is to avoid full interest.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ME)

I have not been able to access my Coinbase account for almost a month now. They have advised me via automated message that they are conducting a manual account verification but stated ( a month ago ) it would take several days. They have not responded to any of my inquiries. 

Not a lot of money involved ( ~ {$250.00} ). 

Not sure whom I should contact about this issue. Perhaps you can point me in the right direction.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation (GA)

To Whom This May Concern : I am writing to express my deep dissatisfaction and frustration regarding the recent repossession of my vehicle by Bridgecrest without any prior notice. It has come to my attention that my vehicle was repossessed on XX/XX/XXXX, despite having made arrangements with your company for an ACH payment scheduled for XX/XX/XXXX. 
What adds to my dismay is the manner in which the repossession was carried out. Not only was there no prior notice given, but the timing of the repossession in relation to the scheduled ACH payment is deeply concerning. It appears that Bridgecrest proceeded with the repossession despite being aware of the impending payment, which was clearly outlined in the scheduled ACH transaction. In addition ; the ACH payment was drafted from my account. I also have an ACH payment scheduled for XXXX. It was my goal to bring this account current. The last communication from Bridgecrest was that if I dont make a payment by XX/XX/XXXX I will be 60 days past due. I feel like after years of being a customer for multiple years that 60 days is premature for a repossession. My vehicle is how I feed my family including a spouse, along with XXXX children, XXXX of which are in XXXX 
Furthermore, I want to highlight that I had reached out to Bridgecrest on two separate occasions to request a payment arrangement and to discuss the possibility of placing two missed payments at the rear of my loan. Unfortunately, my requests were not acknowledged or acted upon, leading to this unfortunate situation. 
I firmly believe that the repossession of my vehicle was unjust and forced, considering that I was actively engaging with Bridgecrest to address my financial responsibilities. Therefore, I am formally requesting the immediate return of my vehicle. 
I urge Bridgecrest to review this matter with urgency and fairness. I expect a prompt resolution to this issue, including the return of my vehicle and a reassessment of my payment arrangement request. 
Please acknowledge receipt of this letter at your earliest convenience and provide me with details on the steps being taken to address my concerns. Thank you for your prompt attention to this matter. Making two payments in XXXX and XXXX would have my payments caught up. 

Sadley Wounded,
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (CA)

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to NewRez-Shellpoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX is XXXX revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXXXXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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: CL Holdings LLC (LA)

I going through a divorce and was trying applying for a place to live when I discovered this collections. I reach out to dispute and proof of this collection never received info. Instead a false payment of a {$1.00} was added to the account as if I had made a payment and I clearly did not. Requesting immediately removal of fraudulent account.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

Chase Freedom sent a denial letter on XXXX XXXXXXXX XXXX. I received the letter on XXXX XXXX XXXX. I Never applied for a credit card from them. I called XXXX to dispute the hard inquiry on XXXX XXXX, XXXX. They gave me the reportfraud.ftc website to dispute. The letter from Chase Freedom didn't have a phone number to call them directly. I would like this inquiry removed from my credit please. Thank you!
Consumer complaint received 2024-02-26
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (MD)

Every time I talk to this company I get harassment and berated before they will accept any payment. I have asked them to stop calling me numerous times, and they continue to do so. I have also requested to not deal with their employee XXXX and she continues to call me.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

I have had this loan for quite some time. And I believe President Biden offered a forgiveness plan. Why cant I have that plan? This loan is ruining my credit and I am asking it to be forgiven please.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My capital one 360 account got closed ending in XXXX. I had money still in my account, they send me an email promising to mail a check. 6 weeks later and I still havent receive any funds from my closing account. Please help me I have a million bills to pay. I REALLY NEED MY MONEY THAT WAS LEFT IN MY ACCOUNT BEFORE IT CLOSE. Please help me asap!!
Consumer complaint received 2024-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WI)

I received XXXX phone calls from chime on friday XX/XX/23 Gentlemen stated that my savings account in my credit builder account have and compromised that he was with The reversal department and he'd like to help set up new accounts that I. Needed to transfer funds out of the account so that they can set app new accounts for me. So, in the meantime, this has been taken care of to find out that this gentleman was. 
Fraudulent scammer He did call From XXXXXXXX XXXX phone number and when I called chime. They said that's not possible they never called people. I had no idea that when they call XXXX times and. 
You assume there's a problem so I answered the phone I only answer calls from numbers that I'm familiar with so I trusted these people. And I filed a dispute for fraudulent scamming claim. They have denied me XXXX. I sent them all the information. They said they did call so when I sent him the screenshot of the phone number which was theirs. And everything else, including a police report. I filed FTC fraud complaint. I filed in any information else. I have with the guy 's. XXXX ID so he has an account with chime and no. I'm out XXXX And they've are blaming me. They say that there's no error on their part. They refuse to refund my money. This is all I have left. I will probably soon be home less. Because that's all the money I had. Because right now I'm only working part-time due to a XXXX XXXX recovery. And I don't know what else to do. I'm upset I'm now sick. I was on the phone for XXXX XXXX XXXX XXXX XXXX again this morning with XXXX different representatives and says they can't do anything to help me. Face state, they're transferring me to the escalation. XXXX and naturally the calls keep on getting disconnected All I'm asking for is my funds to be refunded. Cause the guy is a fraud scammer and using their information And was told on Friday. That's not possible that anyone could use their phone number. I have proof it comes app on my phone because I have their number saved in my contacts list as chime and it comes app that way XXXX times I'm just looking for assistance to get in my funds. Back. I'm hoping someone can help me I'm. XXXX right now I'm by myself and have no help. I have to rely on a service to take me to and from my doctor and XXXX XXXX appointments. And I'm literally shaking right now. I am so scared of what's gon na happen.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

To whom it may concern : In attempting to access my online Citibank account on XX/XX/XXXX, I received an error advising that I needed to authenticate some banking information. Unfortunately, both my credit card and savings account are tied together. 

After speaking with several agents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was notified that my savings account had been closed and gave no reason why. I have yet to receive any information from the bank institution regarding this decision. In addition, all debit cards have been deactivated. 

I do not have any Citibank branches near me and unable to retrieve my funds of XXXX. I'm desperately begging for your assistance in retrieving my funds as this is unethical and illegal to withhold since no misrepresentation was involved.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (LA)

I've tried reaching out to Marcus by Goldman Sachs about adding proper two-factor authentication such as TOTP or a security key instead of a SMS/Email one time passcode which attacks have conducted Sim Swapping attacks in the past to hijack bank accounts and is well documented.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), highlights the critical need for consumer reporting agencies to fulfill their obligations with fairness, impartiality, and a profound respect for the consumers right to privacy. XXXX, and XXXX are recognized as consumer reporting agencies, and I assert my right to safeguard my private information as the Consumer. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. Portfolio Recovery falls within the definition of a financial institution under this statute. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. Portfolio Recovery, XXXX, and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to Portfolio Recovery, XXXX, and XXXX is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Unfortunately, Portfolio Recovery failed to inform me of this option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of Portfolio Recovery 's reporting services.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared, as backed by 15 USC 6801, which states that financial institutions have an obligation to respect customer privacy. AmeriFirst Home Improvement is a financial institution under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. AmeriFirst Home Improvement, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent to AmeriFirst Home Improvement, XXXX, and XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. AmeriFirst Home Improvement never informed me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a report without authorization. This account is an adverse item being reported without my permission, which is unlawful. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that a person shall not furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time. Therefore, I am opting out of AmeriFirst Home Improvement 's reporting services.