davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

This is a dispute with USAA Federal Savings Bank regarding the preparation of our Closing Disclosure with recent communication from them I spoke recently to XXXX XXXX, lender at the bank on XX/XX/XXXX. Per my conversation with him, he agreed with me there was a mistake because NO Prepaids were collected upfront on this NEW loan ( reference Section F of attached closing disclosure document ) He also stated he did not know where the money in XXXX XXXX wentXXXX consulted his manager, XXXX XXXX, and she got on the call and said she would send a written breakdown to explain the handling of the closing disclosure. When I requested XXXX to correct the error, she told me that she can not correct it since the loan had been sold to XXXX XXXX. XXXX said she would call me back the next day but no return call. Instead on Friday XX/XX/XXXX XXXX, from USAA XXXX called ( refused to give me her last name ) and I expressed my concerns to her and she said she would talk to me again that afternoon. XXXX will not return my multiple calls when I've tried to call her back XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX acquired the loan and since No Prepaids were collected upfront in Section F ( NOT SECTION G as USAA Bank has erroneously entered these for the OLD loan ) ) XXXX XXXX passed on a shortage of {$3800.00} to us to be paid over a 12 month period. 
( see letter dated XX/XX/XXXX from XXXX XXXX. 
XXXX from USAA sends an email to me on XX/XX/XXXX after admitting there was a mistake on their side the day before. On XX/XX/XXXX, I responded to her email that she previously said there was a mistake but she can not correct it since the loan has been sold to XXXX XXXX. We want the {$3800.00} shortage refunded to us since they made this mistake. 
Keep in mind, the above is unrelated to the fact that we increased our home owner 's insurance in XXXX of XXXX, 4 months After when this loan closed with USAA. 
attached are phone numbers for all of the player names mentioned above. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (SC)

I refinanced my home with Rocket Mortgage on XX/XX/XXXX. At that time my home was insured with XXXX XXXX XXXX XXXX XXXX, the insurance was escrowed. Each XXXX Rocket Mortgage would pay my insurance out of escrow, this was true in XXXX, XXXX, and XXXX. In XX/XX/XXXX, about XXXX weeks prior to my insurance policy end date I switched insurance companies to XXXX with an effective date of XX/XX/XXXX, the same day the XXXX policy would expire. 
XXXX updated Rocket Mortgage and there is no issue with the new policy period however I later received a letter from Rocket Mortgage stating there was a lapse from XX/XX/XXXX through XX/XX/XXXX although this was incorrect. 
I called rocket mortgage on 6 occasions, XXXX XXXX XXXX supplied them proof of coverage from XX/XX/XXXX through XX/XX/XXXX, completely covering the incorrect lapse period. XXXX did this on THREE occasions yet despite Rocket having proof of continual coverage, they force placed a policy. Every time I call I am told yes we have proof of coverage we just need to have someone remove the the lapse information. But they never do this and continue to send me letters saying I have a lapse.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CT)

I received a notification on XXXX that my SoFi account ( checking and saving ) was restricted without given an explanation and was given a number to contact SoFi. I contacted them on on XXXX to inquire and have not been given any information regarding the restriction nor timeline when the restriction would be lifted.
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I requested why a company would charge XXXX dollars over for a loan of XXXX dollars. They explained the interest is very high : yet never explained my total amount due overall would be over XXXX dollars. they also explained I still owe the company money after so much money has been paid.
Consumer complaint received 2024-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-16
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: LEXISNEXIS (MI)

After sending complaints here in CFPB these BANKRUPTCY reports are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (VA)

According to the tax law, a 1099 must be five to discharged that by the company involved Pentagon federal credit union did not send me a 1099 form Pentagon federal credit Union sold my debt to a debt collector without notifying me that collector does not have a contract with me to buy such an agreement an investigation to determine the legitimacy of the purchase without a contract.. The actual amount can not be correct if they file a 1099 they can not be paid twice. The government can not compensate them for their loss and they sold my account to a credit collector without a contract from myself for the full billing. This is an illegal.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

his complaint is to determine that AMERICAN EXPRESS has committed Securities and Social Social fraud. 
Account # XXXX I am conditionally accepting your contract in that letter of a {$900.00} balance remaining on the above-referenced loan upon PROOF OF CLAIM THAT : 1. The funding of the loan did not come from the promissory note/agreement I had signed on XX/XX/year> ; 2. You did not deposit my promissory note/agreement into an account from which checkbook money was created, thus making XXXX XXXX XXXX XXXX to whom the funds were owed ; 3. AMERICAN EXPRESS can demonstrate that they were put at risk by extending the above-referenced loan to me ; 4. AMERICAN EXPRESS was/is or will be damaged if the above-referenced loan is not repaid ; 5. The interest and fees added to this alleged debt are not usurious ; 6. AMERICAN EXPRESS is not in violation of the Fair Debt Collection Practices Act 15, Section 1601, 1692, et seq.,
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I went to purchase flights ; I received a text from Citi asking me if I would confirm the purchase. I responded to the text saying " yes '' and was advised to complete the purchase. On XX/XX/XXXX, I went to make a purchase, and my debit card was declined. When I went to log into my bank account, it said I was locked out, and that I needed to call ( XXXX ). When I called this number, they sent me a verification code to my phone and successfully verified my identity ; however, they then transferred me to the fraud department, who said that my phone number ( the only phone number I have ever had, and the only XXXX ever linked to my account ) was ineligible for verification. They said that a letter had been sent out XX/XX/XXXX, and that I needed to wait XXXX days for it to arrive. I went to my local Citi branch ( XXXX in XXXX ) and spoke to an advisor named XXXX ; she confirmed this with the fraud department as well. On XX/XX/XXXX, I called the Citi fraud line to see where my letter was at. They said that I had to wait XXXX business days for the letter ( not XXXX ) and I needed to wait. On XX/XX/XXXX, I call the Citi fraud line again and I speak to a woman named XXXX ; she says that by mistake, no letter was ever sent out, and that she will send XXXX out today ( XXXX ) and to expect it in XXXX days. I was very confused, so returned to the Citi XXXX branch on XXXX, where I spoke to XXXX again. She called the fraud line herself, and they said that there was no mistake, a letter was sent out XX/XX/XXXX, and that I should expect it XXXX at the latest. On XXXX I call Citi ; they say that no letter was sent on the XXXX, but one was sent on XXXX, and I needed to wait. I hang up, call back immediately, and ask to speak to a supervisor. The supervisor says that the original letter was lost, and they created a new letter today ( XXXX ) ; they had no knowledge of the XXXX letter. On XX/XX/XXXX, I returned to the XXXX branch, and the advisors called the XXXX department, who said that a letter had been created on XX/XX/XXXX to be sent out, and that I needed to wait. On XX/XX/XXXX, I called the Citi fraud line, who said that the letter should have been delivered that day, and that there was no knowledge of a XX/XX/XXXX letter. I know that my address is not a problem, because on XX/XX/XXXX, I received my Citi XXXX at my current address. Additionally, I have also received a letter from Citi confirming that I received my {$300.00} cash bonus for opening my account ( the same account that was frozen ). This is immensely frustrating, as I have provided all necessary information to confirm that I am the account holder, but Citi has not sent this letter. Additionally, my credit card is linked to this account ( my only bank account ), and this is hurting my credit.
Consumer complaint received 2024-09-24
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

I went to use my card on XX/XX/year> I heard my notification go off on my phone and realize that someone had removed XXXX dollars from my card I call XXXX and told them what happens they said they would cancel that card and send out another, mean while they would look into the matter and let me know what will happen, i received a called saying that they came to a conclusion that a took my own money and would not refund my money, I ask them how did they come to that decision without checkin any camera, or ATM to see if it was me,
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have an XXXX XXXX XXXX which is financed through Synchrony Bank. 

The account appears and disappears. 
Sometimes if I log in the account is there and while doing payments or looking at other accounts the XXXX account disappears from the list. 

Sometimes I log in and the XXXX account is not even on the list of accounts. 

When I try to make a payment using the XXXX website the XXXX Account won't allow a payment. The only way I can make a payment is through XXXX and if the account isn't listed when I go into XXXX the chat representative can't take a payment because they can't see any XXXX account. 

This has resulted in late payments, late fees and additional interest on the account for non-payment. I managed to make a {$XXXX} payment today because the XXXX account happened to show up when I went into chat and I could do a selection of XXXX to chat about payment. The account had a missed payment and XXXX appears to want more than double the minimum payment amount. 

Then a little bit later I logged back in to check the XXXX account. The account was gone again and nobody in chat could tell me anything about any payment I had made today, not even the {$XXXX}. I made a pdf file of the list of accounts showing in the XXXX and the XXXX Account is missing.
Consumer complaint received 2024-09-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SUNRISE CREDIT SERVICES, INC (CA)

I have contacted all credit bureaus XXXX XXXX XXXX XXXX to dispute and remove what is showing on my credit files it's been months years that I've been doing this I wrote to them and nobody has done anything to help me I never had anything under my name never even had a loan never got a purchase a vehicle never opened a bank account the reason because I still live with my parents and as I get older I'm trying to build my life of my own and it's very difficult with this showing up in my credit how do they expect me to build credit when they're not helping me whatsoever I asked to have it removed from my credit file and I also disputed all the inquiries of showing and I never gave anyone any authoriza to do anything or my credit to be rebuilt or anything like that
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, Capital One froze my checking account ( XXXX ) without any good reason. I have called Capital One innumerable times seeking an explanation. They will not provide any justification. They tell me they have appointed an investigator ( # XXXX ), but will not provide the name of the investigator. They claim it could take up to XXXX months to " investigate ''. 

I have requested the name of their Corporate Counsel many times, they refuse to provide this information. I have also asked which Federal Agencies govern XXXXapital One, they refuse to provide this either. They place every impediment in the path of customers trying to file complaints.

While Capital One is holding my money, they are crediting me an interest rate of 0.1 %. Simultaneously Capital One is charging me 29.99 % interest on my XXXX credit card ( XXXX ) and 26.24 % interest on my XXXX  XXXX account ( XXXX ). This is usurious. I am unable to pay my school fees, and my credit card, because Capital One has frozen my money. 

My call dated XX/XX/year> should to be uploaded to Capital One Corporate Counsel, and a formal complaint filed with Government agencies for XXXX XXXX fraud. 
FDIC XXXX # XXXX.
Consumer complaint received 2017-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, at XXXX XXXX  XXXX  I reserved a room through the Capital One XXXX XXXX  at the XXXX XXXX XXXX. Upon receiving my confirmation email I felt confident in my booking. 

At approximately XXXX XXXX  XXXX, I went to check in to the hotel. The desk attendant informed me that the hotel had been oversold and attributed it to XXXX XXXX  software not accurately checking occupancy. I immediately called Capital One customer service to see if they could intercede. 

I spoke to a customer service agent who confirmed that the hotel was overbooked. I asked them to find me another room, and they indicated that they were unable to do so. They initially blamed a problem with their IT system and physical location ( in the XXXX XXXX XXXX ) ; they said that because it was already XX/XX/XXXX in the XXXX XXXX XXXX they were unable to make bookings on XX/XX/XXXX. If true this would seem to render bookings XXXX  of the XXXX  at least partially unbookable every day. 

I explained to the agent that due to their failure I, my wife, and our XXXX small children were essentially stranded in XXXX. A cursory review of multiple booking platforms showed that nearly all rooms in XXXX were booked for the evening due to an event and a weather event in XXXX. The cheapest available hotel room was at the XXXX XXXX for over {$800.00}. I asked repeatedly to escalate and was told my case could not be escalated further. 

Capital one gave me a {$150.00} travel voucher as compensation. This was utterly insufficient to cover the cost of replacement lodging if we could find it. My wife called and spoke with a different customer service agent who also refused to help us with booking. They offered my wife an additional {$100.00} travel credit. 

Ultimately I was able to book an XXXX at XXXX XXXX  XXXX  thanks to the heroic efforts of a host who bypassed the automatic booking deadline in the XXXX system. That booking cost me {$480.00} ; the {$250.00} travel credits were not applied to this booking and were wholly insufficient to cover the cost I incurred thanks to XXXX XXXX  negligence.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval
Consumer complaint received 2024-09-25
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 (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Via Dealer XXXX CapitXXXX One XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ Cap One Via Dealer ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ Cap One Via Dealer ] .Date of Inquiry : [ XXXX. XXXX, 2023 ] .Credit Reporting Agency : [ XXXX XXXX XXXX 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company.

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (CA)

Whenever I try to open a bank account online, the financial institution says I could not be verified. The banks/credit unions say they use Lexis-Nexis. I am a XXXX XXXX, have. valid SSN and drivers license etc... So I do not know why or how Lexis refuses to verify my identity to banks. They ha din on all my credit card and back accounts and past addresses.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMERICAN EXPRESS XXXX