davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Monitoring the information on the 3 credit reporting agencies, the information provided by PRA is incorrect. 
Date opened : XX/XX/2018 I was homeless at this time. I was unable to receive mail. Yet according to PRA reporting, I opened a XXXX XXXX credit card? 

Payment history : PRA reports as though no payments were made on this account. However, under the recent payments tab it states {$47.00}. 

The information being reported is not factual and not a true representation of this account.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NC)

Citi Priority Savings & Checking account. Citi makes it difficult and time consuming to close the account unless you pay fees. 

The bank places unreasonably low ACH transfer limits to registered external accounts - a $ XXXX monthly limit seems designed more to prevent access to funds vs mitigating risk. 

So when closing the account, a customer is required to pay a wire fee, or wait 3 weeks for a check in the mail. That's correct, 10-15 business days is what Citi requires to send your funds - all AFTER closing the account and keeping the float. 

Further detail - i called on Friday XX/XX/XXXX to close the account. After indicating my intent i was placed on hold and the call was disconnected. I called back, waited on hold and was transferred to two reps before finding out how difficult Citi makes it to access funds and close an account. 

Citi makes it easy to deposit, and hard to withdraw. That stinks. 

It's practices like this that make consumer protection agencies necessary - and that's an unfortunate tax on us all.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Hello, I have made my final efforts to understand and put this matter to end with Chime Bank illegally taking my {$38000.00}. I have sent requested documents since XX/XX/XXXX, and they have yet to release my funds. This bank harassed me to send my documents and take selfies in which I lowered my banking standards and sent them a selfie of me holding my temporary Georgia Issued ID which is issued by XXXX XXXXXXXX before we receive the hard copy. I have told many representatives about how their representative by the name of " XXXX '' tried to have a personal relationship with me and may have hacked my information to have someone pretend to be me after I denied helping her son. My funds have been sitting in this closed account since XX/XX/XXXX, and the only response I receive is ( After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the section titled Amendment and Cancellation in the Chime Deposit Account ). Well, I read their agreement and it states that chime has the right to refuse to issue any remaining balance less than {$1.00} which is not the case in my situation. There are many reasons I can take chime to court for this neglect, but this would be considered {$38.00} to the taxes I have paid. I have explained the issue over and over about a Chime representative named XXXX who was calling my phone for personal matters, and I received no response in regard to that violation, so I let this bank continue digging their own hole. I have been advised to reach out to the federal authorities in this case as Chime have claimed there is a violation somewhere with my funds and their internal policies which should have been reported to the Federal authorities immediately or they are committing the act of theft by taking along with money laundering by the response I'm receiving from their support team which has no live representatives. If me overspending my hard-earned funds are not in compliance with Chime 's internal policies that give them no legal right to put my {$38000.00} in a no refund status as if this was a PPP loan or credit builder account. I am a perfectly sane individual who received this direct deposit in XXXX of XXXX and had to pay taxes on my funds. I have no problem with this account being closed but Chime bank is committing a major act of money laundering which will be reported if my funds were found to be unauthorized and they are holding illegal funds on a closed account generating interest under my name and not being reported to taxes. If this is not settled immediately, I will have the appropriate government officials to investigate Chime support team and Chime bank under the Federal Law for financial companies committing money laundering and I have everything documented and recorded.
Consumer complaint received 2022-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

In XX/XX/XXXX I paid a double payment ( the 2nd month they took over servicing my loan ) I paid a double payment over the phone at SLS. I had XXXX XXXX one payment and then paid 2 more by phone. SLS refuses to acknowledge this double payment yet, I have proof through my bank statement. This began rolling late fees and other fees. 

I continued to make my payment and now 100 % of payments, which I have paid EVERY SINGLE MONTH since XXXX are applied to ONLY FEES. Now, they are saying I'm 12 months behind and I'm NOT. Then, in XX/XX/XXXX they placed me in forbearance but I continued to make my payments. I have sent my payments via XXXX XXXX for over 2 years EVERY SINGLE MONTH. They are only using my money for late fees that have accumulated since they DID NOT APPLY THE 2 PAYMENTS I MADE IN XXXX. 

I have called these people repeatedly and they can't seem to go back far enough and then they said it was an old system. I have proof of every single payment I've made to this company.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On Monday, XX/XX/2022 my SIM card was fraudulently ported to a new device at a XXXX store in XXXX, IL resulting in approx. $ XXXX being transferred from a Coin Base investment account within about 45 minutes. Here is how it happened : At XXXX on XX/XX/2022 I received a text stating there was a request to access my account at a XXXX store in XXXX IL XXXX Once I saw the text around XXXX I attempted to check email and call my wife but realized my phone was no longer working. The only number I was able to call was XXXX customer service. When I called XXXX I was told my SIM card had been ported to a new device and I needed to go into a XXXX store because without access to my phone the call center employee on the phone was unable to verify my identity and help me. Eventually authorization was given and I was able to get the SIM card moved back to my device. 
In the meantime, a total of $ XXXX from withdrawn from a coin base investment account. 

Once I was able to long into XXXX mail again I saw I had email from Coin Base notifying me my password had been changed. When I logged into coin base I saw that at XXXX nearly $ XXXX had been withdrawn from the account. A series of 450 transactions of {$50.00} each had been processed by Coin Base between XXXX and XXXX. 

I am appalled at the lack of account monitoring in place at Coin Base. A total of 450 transactions at {$50.00} each were processed in a matter of minutes without a freeze on the account. This was clearly suspicious activity and the account should have been frozen. Even a minimum level of account monitoring should have flagged this activity and put a stop to it. Coin base refuses to engage in a conversation about the theft and has clearly indicated they will not be doing anything about it.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete it.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (IL)

Credit karma unfairly closed me account after I disclose THEE fact that me have a intellectual XXXXsomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from credit carma account and credit carma do not help me. I reported a call to the polices and they give to me a number XXXX XXXX.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the In accordance with the fair credit reporting act The list of accounts below has violated My federally protected consumer rights To privacy and confidentiality XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX account # 2024 has violated my rights XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Now account XXXX XXXX XXXX U.S.C XXXX Section XXXX A States I have a right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2021-06-04
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: STERLING JEWELERS, INC. (TX)

This is a formal complaint against Jared Galleria Of Jewelry located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Jared Galleria Of Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In XX/XX/XXXX I entered into a conventional 30 year mortgage with XXXX XXXX. This loan was subsequently repackaged and sold. The loan was underwritten WITHOUT an escrow account as property tax payments directly to XXXX XXXX. When reviewing my credit reports for the month of XXXX it came to my attention that the loan was incorrectly being reported as being 30 days past due in the amount of approximately {$1300.00} and resulted in a SIGNIFICANT decline in my credit score of nearly XXXX points from approximately XXXX to approximately XXXX. I have made multiple attempts to contact the lender. What I was able to decipher from the online portal is that an escrow account was improperly established on the account in XX/XX/XXXX, without my knowledge. This is particularly concerning as a prior victim identity theft and further puts me in a position of overpaying XXXX XXXX for annual property taxes.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX. ) I applied for the Barclays emirates sky rewards world elite Mastercard & the XXXX XXXX XXXX XXXX on XX/XX/2022. 

I was denied credit solely based off of what Barclays responsive statement which is : EXCESSIVE CREDIT APPLICATIONS. 

To say anything is excessive is completely subjective and opinion based only and is NOT a reason to deny my extension of credit. My credit is excellent and I have not had any applications for credit in the past two years. My income annually is over $ XXXX It appears that Barclays is discriminating.
Consumer complaint received 2022-09-25
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)

I submitted a letter through certified mail to Experian on XX/XX/2022. It is now XXXX XXXX. The company has failed to update my credit report and make any changes.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

Prior complaint XXXX submitted XX/XX/XXXX. Company claims to have fixed the problem. I received this email on XX/XX/XXXX : We're updating the Online Access Agreement When you enrolled in Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services, you reviewed and accepted our Online Access Agreement ( OAA ). 

An updated version of the OAA will go into effect on XX/XX/XXXX. You can view a summary of changes and view the updated OAA. 

This notice is simply to let you know of these changesyou don't need to do anything. Your continued use or access of Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services indicates your agreement with these changes. 

Thank you for choosing Wells Fargo. 


Investment and Insurance Products are : Not Insured by the FDIC or Any Federal Government Agency Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Consumer complaint received 2022-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (NY)

I have 2 collections that are all not me and are identity theft t showing up on my XXXX  report. LVNV FUNDING LLC ( 2 separate amounts ). I keep getting phone calls from these companies multiple times a day threatening to take me to court I do not owe any of them any money. I asked them many times to show me the proof as to why they think I owe them money. XXXX has already removed these erroneous collections off my report since it is not mine. When I talk to these companies on the phone most recent phone conversation was XX/XX/2022 where the lady on the other end was very rude demanding I pay her after I explained I do not owe any money and if you can show me the proof you even have the right person they hung up on me.
Consumer complaint received 2022-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I paid off an old XXXX account that was closed. They started billing me an amount XXXX for something I have no reason to owe! I have tried numerous and numerous of times to have it removed, but it will not be removed from my credit report. I have tried to reach out to XXXX XXXX XXXX AND NO ONE WILL EVER REACHED BACK OUT TO ME. Please someone if they would help me with this problem.
Consumer complaint received 2022-08-23
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. (TX)

Today is XX/XX/2022 I am tired of my rights being grossly violated. 
Why havent these accounts been blocked and deleted? 


EXPERIAN never did do the 4-day block and remove notice I gave them on the XXXX of XXXX.that they are required to do according to 15 USC 1681c-2 Block of Information resulting from identity theft. They are still reporting on my report the companies and inquiries I reported as identity theft on Identity Theft Report # XXXX and Identity Theft Report # XXXX as of today 's date.. 

I am supposed to be notified promptly whether the block was done or declined and the reason why and proof of why it was declined as they are required by 15 usc 1681c-2. 
I want to see contracts/consent forms with my signature. 

My notice was given on XX/XX/XXXX, today is XX/XX/2022. 
See attached Im contacting the attorney general if this situation is not promptly resolved.
Consumer complaint received 2022-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have been employed with Dept of Treasury since XX/XX/XXXX. I have been on a repayment of my student loans since XXXX. Myfed says only 3 of my payments qualify for forgiveness even though they have all been made on time. Nobody can explain to me why
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

equifax is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either equifax or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX