davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (MN)

XXXX  I sent a verification letter to the company informing them that it wasnt my debt and received a bill statement. I asked for something showing it was my debt and never received anything instead the debt was re-aged on my credit report which is not correct or legal. This account should not and was not reopened
Consumer complaint received 2021-08-03
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: GOLDMAN SACHS BANK USA (IL)

A company overcharged me for a service without my authorization. I submitted several pieces of documentation showing that the amount on that was charged was more than with the contracted amount with the merchant. Although I agreed to an amount of {$140.00} for services by XXXX on XX/XX/21, the final amount charged was {$220.00}. I contacted the merchant to dispute the charge and got no response. I then contacted Goldman Sachs to dispute the charge on XX/XX/21 while waiting for a response from the merchant. I submitted documentation that the charged amount should have been {$140.00}. The dispute was denied on XX/XX/21 due to with an explanation of " No response was received for the request for additional evidence in the past week. '' After contacting Goldman Sachs, the representative confirmed that the documents I provided to support the dispute were in fact included in the investigation file. They then offered to reassert the dispute. I agreed to do so and then sent in the same supporting documents on XX/XX/21. Again, on XX/XX/21 I received a notification through the XXXX XXXX app that the dispute was again denied. The representative I chatted with on XX/XX/21 stated that this was because " The merchant provided sufficient evidence that you made the purchase. '' They then stated that there was no evidence submitted by the merchant at all in either dispute. They are now refusing to provide a written explanation for the denial of the dispute and copies of the documents that were used in the decision.
Consumer complaint received 2023-01-24
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: Westlake Services, LLC (SC)

Westlake Financial is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be

removed in 4 days. 15usc1681a-4 privacy obligation not kept. 15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MN)

On XX/XX/2023, MONEYLION suspended my account ( without notice ) stating that they closed it due to unusual activity. They made no attempt to contact me or question me about these purchases being made, which I told them I DID make. They then told me there wasnt anything they can do. They said I had to submit proof of my license, address and a notarized letter from the company that most recently deposited into my account. Ive contacted the company that last deposited into my account ( XXXX XXXX, which is a tax service. I am not able to get a letter from them because they are so backed up with tax complaints. However, this same company deposited into my account early XXXX and MONEYLION had no issues. The supervisor I spoke with said theyve been dealing with this issue with other customers, but yet they cant do anything to fix the problem. They refuse to release my money to me ( a little over {$1000.00} ) and I am not able to pay my bills or rent.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase Bank regarding the closure of my bank account and the subsequent withholding of my funds without resolution for an extended period of eight months. 

The issue began when Chase Bank unexpectedly closed my account on about the end of XXXX, XXXX, without prior notice or explanation. Since the closure, I have been unable to access my funds, amounting to approximately {$4700.00}. 

In an attempt to resolve this matter, I have contacted Chase Bank 's customer service department on multiple occasions. Despite these efforts, my inquiries have been met with vague responses of follow-up that have not materialized into any action or solution. To date, I have not received a satisfactory explanation for the account closure, nor have I been informed of any steps I can take to retrieve my withheld funds. 

The lack of transparency and responsiveness from Chase Bank throughout this process has been highly disappointing. I believe that I have exercised due diligence in seeking a resolution, including providing any requested documentation and persistently following up with the banks customer service. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and facilitate the return of my funds. I am prepared to provide further details or documentation as may be required to assist in the resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

All three credit bureaus are reporting 2 different car loan accounts ( XXXX XXXXXXXX ) & ( chrysler ) both vehicles were granted/ awarded/recieved/assumed ownership and full responsibility of said accounts to ex wife in divorce settlement back in XXXX. The frivolous and fraudulent reportings are outdated, incorrect, incomplete, unverifiable, and fraudulent. XXXX, XXXX, and XXXX are all in breach of their policy as well as the fair credit reporting act and countless of other actionable issues. I demand these fraudulent accounts be removed immediately. I have disputed these for 3 years now and each time the report comes back is just more inaccuracies. Investigation needs to take place thus had affected my ability to buy a home when I own a successful business and make over XXXX a year. There is no reason something my ex wives did 10 years ago should be affecting me now. My next action will be a class action law suit
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc. (IL)

Providing out dated information for any request requested by to the company. 

I have requested a PMI cancellation and paid for the appraisal that was ordered by Domvenmuehle Mortgage. I have received the appraisal report [ XXXX XXXX XXXXXXXX ] on XX/XX/2024 that was ordered by DMI appraised at $ XXXX and found out that it is done incorrectly. Hence a dispute was filled against the evaluation. After the dispute was re-evaluated and an updated appraisal was completed on XX/XX/2024 provided [ XXXX XXXX XXXX ] by Domvenmuehle Mortgage, appraised at $ XXXX. 

But when checking to see the status of PMI cancellation [ XXXX - XX/XX/XXXX XXXX ] the corrected appraisal was not shared/considered for PMI cancellation. I have an outstanding principal balance of $ XXXX ( as of XXXX XXXX ) which is less than XXXX XXXX of $ XXXX i.e. XXXX so I would not have to pay my PMI anymore. 

Seems like there is a miscommunication between the team within the same company and not all updated information is being shared across teams. I would really appreciate it if this can be resolved and a PMI can be cancelled on my account.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I have filed several complaints with the XXXX regarding a Home Depot store credit card. I noticed fraud on the card, unfortunately, I had been paying my monthly bill for months prior to noticing the fraud charges due to being busy running 2 businesses. Once I saw the fraud, I contacted XXXXome Depot and informed them of the fraud and they requested a copy of my bank statement and ID and provided a fax number to submit documents to their security operations team at XXXX. After sending the documents more than 3 times to 3 different number to include XXXX, I called to confirm receipt of the documents, only to be told they were never received. I expressed my frustration to include confirmation of the transmission report reflecting 10 pages were sent OK. This dispute has exceeded the maximum time alotted for resolution to include XXXXome Depot acknowledged fault and credited my account. However, Home Depot insisted I stay as a customer and assured they would close out the fraud account. In return, Home Depot issued a new card and confirmed it was not attached to the frauduelent card/account -- this after being asked several times by me, due to the frustration and desire to not keep a card with the institution. At this point I was referred to Citibank due to Home Depot 's lack of assistance in resolution and my many escalations on more than 5 calls. Once I received the new card, I chose to use it for an in-store purchase less than XXXX. Within 2 weeks of my purchase, Home Depot added the fraud charges from the previous fraud card-which was to be closed out and confirmed as fraud done in store from the security operation team upon my investigation of the charges, and my request for the store to pull the cameras from the store to pursue the fraud that incurred -- -and Home Depot put interest XXXX fees and the fraud from the confirmed card that was closed onto the new account and card that was issued after my bank account was credited initially. 
Home Depot then reported this to the credit bureaus as non-payment and put the fraud charges back on my account. I requested this fraud account to be closed in XX/XX/year>. Citibank then closed my Best Buy card that was paid in full with no balance after this incident. Furthermore, Citibank/Home Depot reported non payment to the 3 credit bureaus which immediately reduced my XXXX credit score by XXXX points and it is not repaired since this incident has occured. This is the only thing that is affecting my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

Citi avoids to acknowledge my XXXX XXXX account was totally locked, and my money completely inaccessible to me from at least XX/XX/2022, when I first noticed. I eventually received the check for my money on XX/XX/2022, making XXXX days that I had no access to my money. 

Instead of doing what is right for its savings account clients, Citi chooses to hide behind their XXXX XXXX for Consumer Accounts. 

Where is it shown in this XXXX XXXX for Consumer Accounts, that all money on deposit in a client 's account will suddenly be locked and made 100 % inaccessible, for an open-ended unspecified amount of time? In my case, ending up being XXXX days. ... XXXX days of my fighting with Citi 's dishonesty before they finally gave in, and gave my money back to me.
Consumer complaint received 2023-01-18
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. (NJ)

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 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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than 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 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Several times the XXXX account and some XXXX  account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt
Consumer complaint received 2021-02-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST FINANCIAL BANCORP (CO)

I have been getting an ENORMOUS amount of calls from various numbers out of Ohio. I have asked them to stop calling me, I have asked to talk to management, I have told them I'm going to report them and the calls persist. Two weeks ago the calls started at XXXX Monday & totaled 15 calls by Wednesday. When I ask what this is a about they say they are calling from " First Financial about the loan I was approved for ''. I have never used this financial institution nor have I applied for any loans in years. 
I XXXX First Financial and have found that this is likely fraud. I have blocked every number they have called from and they find new ways to contact me. This is harassment plain and simple and I need it to stop. They call mostly during business hours and I have a job. I need to not be bothered with this outfit anymore. Please and thank you for looking into this and shutting them down. 
I'm on the Colorado no call list & my understanding is there are serious repercussions for violating that list. I'd like them to punished by whatever measure can be enforced.
Consumer complaint received 2024-10-29
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. (GA)

To whom it may concern I am writing in regrads to late payments on my credit report.

According to the FCRA 15 U.S.C. code 1666b-Timimg of payments and 15 U.S.C.

1666B12 CFR,1026. 13- Billing error-late payments 15 U.S.C.1681 a ( 2 ) ( I ) INSTRUCTIONS PLEASE UPDATE TOO NEVER LATE. Please send updated report to address on file. 

I have attached all documents to support this claim
Consumer complaint received 2021-02-05
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. (GA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX - XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX on XX/XX/2020 ( Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2023-01-19
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. (NC)

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1B1, 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 16BI section ( 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section L04 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.E 1BIc. ( 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 4815-2 ( A ) ( ) A person shall not furnish any information relating to a consumer to any consumer reporting agency tf the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

Dear CFPB, On XX/XX/2023 was completed as a regular monthly credit card payment of {$43.00} dollars as I am due to complete a payment on the XXXX of every month. 

I saw in my online app. that US Bank charged me a returned payment fee of {$41.00} as well as an interest fee charge of {$3.00}. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to remove and reverse the returned payment fee {$43.00} and to remove and reverse interest charge fee of {$3.00}. These rate fees are also more than what they should be has this been a case of late payment processing. 

As the language states on my monthly bank statement under the important message section at the top stating that I have 24 to 30 day interest-free period for purchases provided. 

I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. 

I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. The negative activity on the account ending in # XXXX has impacted and affected my credit history and credit score. 

To resolve this particular issue I am requesting a credit limit increase without a hard credit pull being ran. 


As for any fees I am filing a complaint for my account to be reviewed of the fees mentioned above returned payment fees and interest fees that are inappropriately applied to my account immediately and for my account to be updated as the resolution. 

Review and remove fees that were inappropriately applied to my account ending in # XXXX as well as submitting a physical paper copies via emailed to the listed email address of all that was corrected and updated. 

This would be my second complaint filed on US Bank regarding interest fees and returned payment fees. First complaint number # XXXX There is a unresolved problem, conflict with the online technologies with US Banking structure tat calls for a resolution especially for those of XXXX like myself and for those of mental XXXX to be able to work with and be connected as a Private Client on personal matters regarding their finances within the Communications Department that I have also requested as a resolution to speak with. 

Kindly submitted,
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this " thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.