davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

I used my Chase bank credit cards to pay for a river cruise this spring. The trip was canceled to to the coronavirus pandemic, and the cruise firm refunded my payments totaling {$11000.00} on XX/XX/2020. Immediately after receiving the credit, I called Chase bank credit card services and requested that they transfer the credit balance to my Chase checking account. I was told they had to issue a check rather than transfer funds. 
I happen to know that XXXX  XXXX XXXX will transfer funds for similar transactions immediately. 
I called the Chase Customer Service number XXXX three times on XX/XX/2020 and they hung up on me each time. I called the same Chase Customer Service number on XX/XX/2020 and they hung up on me twice after making me hold the second time for over 20 minutes. 
I looked up the Chase headquarters number at XXXX XXXX XXXX, XXXX, NY, which is XXXX and only connected with voicemail. I left my name and number and a brief description of their non-service, with a request for a refund with interest. They have not bothered to call me back or initiate corrective action. They are allowed to charge 15.24 % on purchases and 24.99 % on cash advances. But they have used my funds for over a month causing me to lose potential interest. They should be held accountable.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} XXXX ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX XXXX   {$21000.00}
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-27
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. (CA)

On XX/XX/XXXX I sent in an inquiry dispute to XXXX  for 13 inquires and Equifax for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from XXXX   stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.
Consumer complaint received 2020-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

Recently in XX/XX/XXXX, I obtained a small instalment loan from Sunset Finance. Unfortunately, I lost my job a month after obtaining the loan in XX/XX/XXXX. With the rise of the Covid-19 pandemic ot became hard for me to find gainful employment. I immediately called them and informed them of my situation and promised to start back paying once I obtained a job. They began after them calling me, my family members, friends, and even my former employer. Harassing me and them on a daily basis to get payment. I called and stop with them letting them know I was in fact still unemployed and even homeless, unable to make any payments. So then in XX/XX/XXXX, I finally obtained a job. Thereafter I began to make payments every time I got paid to catch up. On XX/XX/XXXX, I called to make my payment. I was informed that I was too far behind and had to refinance my loan, which meant it would start all over and any monies I had then paid would be forfeited. I informed them I didn't want to refinance my loan and even the next time I got paid I two weeks, I would be paying it off. I spoke with the district manager in which she threatened me, was very unprofessional. Everytime I have ever dealt this this loan company they were very rude, disrespectful and unprofessional. I have been trying to pay my loan off plus anything interest I have accured because of me being late. All I have gotten was threats, harassment, and complete unprofessional behavior. This loan company has to stop. They have displayed unethical behavior and practices once it comes to a business. I did not understand how all the payments I made did not go toward my debt and me starting over somehow was a good thing. The interest rate on the loans are not within the federal regulations of small installment loans.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FISERV INC. (KY)

I placed an order with XXXX. XXXX transactions go thru telecheck. They are both telling me different stories about my purchase that was COMFIRMED and has not been received. Please see the ( PROOF ) images i have attached.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ALLIANT CREDIT UNION (MI)

Was told i was approved for credit card by Alliant Credit Union XXXX, IL on XX/XX/20. 
Then after submitting required documentation was then continually delayed and discriminated against ... 

My Employer even intervened to resolve what should have been a simple verification issue. But Alliant would not accept that even AFTER requesting multiple documents they were given AND making a call to my employer ... 

My Employer was called 1 time at XXXX eastern time after business hours and Alliant left no message. 
Employer then attempted to call back and then spoke with someone who would still not verify employment with my Employer! 

I have submitted SIX DIFFERENT FORMS of verification and they were still asking for more verification after they were not willing to actually verify with my employer. 

I received another credit card for the same amount and terms with a simple 2 minute online application ... 

I sure find it interesting that after i submitted my ID where my RACE was known the XXXX and delays started right away! 

Clearly Alliant Credit Union doesn't care about its members and it's very disheartening to have this problem.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my Cabela 's credit card back in XX/XX/2018for a {$450.00} cash advance. I have been paying on my account and have never missed a payment. I paid the cash advance amount off back in 2018. I continue to send in large payments that exceed the minimum balance. Upon calling the capital one to ask why I am still being charged interest in the amount of {$50.00} + each month on interest for the cash advance back in 2018 that was paid off, they informed me that my balance on the cash advance is now over {$2000.00} due to interest that is charged daily separate from my other charges. I informed them that I paid the cash advance off back in 2018 but I was informed that the interest is charged on the cash advance until the entire account is paid in full. So I am accruing interest on the increasing balance of interest which is adding to my amount due as a whole on something that I already paid off years ago! I tried to get them to stop this, but they told me that I will be charged interest on the {$2000.00} in interest until my account has a XXXX  balance. I am extremely upset as I am being charged a ton of money for something that I do not even owe!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I never had XXXX XXXX account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

CAPITAL ONE KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a charge of {$5000.00} on my Chase Freedom card for an investment program with XXXX XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back within 12 months, they will continue to work with me until I have gained all my investment back. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Chases customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to submit a dispute request in writing for services not rendered. The requested letter and additional information supporting my situation was submitted via USPS mail and fax. I followed up with another call on XX/XX/XXXX to check on my status. Nothing further needed at that point. On XX/XX/XXXX, I returned a form from Chase for further information. Along with additional supporting information via fax and mail. On XX/XX/XXXX, I spoke to XXXX ( customer service ) who confirmed all my information was received. After 2 months with endless hours spent on the phone and repeatedly sending information, Chase disputed my case completely incorrectly. Chase disputed the  case as a billing error when the letter requested of me were clearly stated for services not rendered. On XX/XX/XXXX I spoke to XXXX who said they can only investigate a financial dispute, which is exactly what I am doing. Even though I submitted to them multiple pieces of supporting information, all they looked at was one piece and sided with the merchant. XXXX also said I should have known to immediately disputed the charge when the merchant was unreachable. Now I am left to pay off a service that I never received because XXXX decided I did not contact them soon enough rather than trying to reach the merchant first. Supervisor XXXX was quick to say there is nothing he can do but I can write in a complaint.
Consumer complaint received 2020-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX and need your urgent assistance to survive. Thanks
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MI)

My home is currently in foreclosure in Michigan which I have XXXX  months to redeem the amount of {$180000.00}. In the meantime, during the title search at the title company as I am attempting to sell my home, they are uncertain as to who is the true lien holder of my mortgage. I have discovered that that it appears to be three companies which includes GMAC in XXXX XXXX, PA which is recorded in the MERS system and showing inactive, PHH whom I have been paying which has attached my mortgage to XXXX who denies that I have a mortgage with them, despite all the letterheads for collection and grievances that I have addressed with the Ombudsman office are stamped as XXXX C/O PHH mortgage services ( See Attachments ). XXXX XXXX XXXX who is a debt collector for PHH Mortgage alleges that that PHH has nothing to do with XXXX. It is my belief that the amount XXXX is not the true amount as I have been in this home for 19 years with the original loan being {$200000.00}. I am not sure if the original loan has been XXXX and/or someone or entity fraudulently refinanced my home without my knowledge/nor authorization. I can not reach anyone from GMAC and XXXX alleges that they can not find an account, nor my social security number and/or loan account number is linked to them as a servicer. XXXX XXXX who is handling PHH Mortgage debt collection from me as the borrower denies have any affiliation with XXXX whose headquarters appears to be where GMAC Mortgage headquarters both in XXXX XXXX  PA. 
In addition, Title company discovered that there was a corrective gap assignment in the recorded deed at the county register of deed office in XXXX which appeared to back track a recording of title assignment in XX/XX/XXXX and XX/XX/XXXX. I never received any letters or notification of changes in Mortgage Companies during that gap period between XXXX. Has someone refinanced my mortgage through XXXX without my knowledge and/or used my home as collateral? 
I cant seem to get the truth from MERS, The County Register Deed Office, XXXX XXXX or PHH as to the true amount thats owed or who held the loan during the gap period of XXXX? Was my foreclosure unnecessary due to fraudulent documents? 

MERS has done some research, but denies any recording after XXXX and stated that they can no long assist me. 

I have attached and uploaded Response from MERS The debt collector XXXX XXXX in Michigan invoice to the title company A sample of letter with XXXX c/o PHH Letter Head with complaints written to their ombudsman office The corrective gap assignment recorded at the countys deed office.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Hello CFPB, My name is XXXX, a Wells Fargo checking account holder, as of XX/XX/XXXX of last year. I was prompted to open the account due to a {$400.00} promotion they were running for new accounts. Terms indicate {$4000.00} or more in qualifying direct deposits within 90 days of account opening, and receive {$400.00} promotional cash deposit 30 days after criteria met. According to my records, I met this criteria as of XX/XX/XXXX of this year and as a result, was expecting this {$400.00} to be deposited into my account late XXXX. After not seeing it, I began calling Wells Fargo early this month ( XXXX ) and am getting nowhere. Conflicting information, lack of any follow up on their part, and promises of research and a call back with no resolution. I have several complaint numbers, have a " case manager '' that is never available to speak to and will not return my calls. Also, Wells Fargo customer service indicated my account is attached a different promotion all together, which is an error on their part and has not been rectified. 

Please let me know what additional supporting documentation you need as I look forward to resolving this, receiving the promised funds and never doing business with this financial institution ever again. 

Best Regards, XXXX
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc. (FL)

Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX  XXXX XXXX  my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

One of my check was being stolen from the recipient and somebody else cashed the check of XXXX US Dollars in XX/XX/2019. I contacted Chase bank over 4 times and send back the form they requited 3 times, and they claimed they never receive it and asked me to send again.