davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (WA)

On XXXX XXXX, I officially contacted my mortgage lender, PHH Mortgage, to request removal. It has been XXXX business days since requesting to be removed with no communication. Taxes are due on XXXX XXXX, and I would like to pay my own taxes. I waited for a response and there was none. I called today, XXXX, and they said the tax department is going to pay the taxes next week, and they are denying my request to remove the mortgage. I am very unhappy as there is poor communication and they are unwilling to accommodate my request in a reasonable and timely manner. I do not want them to hold my escrow account anymore as I do not trust them to make further payments.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I was attempting to purchase a software program online, I guess the product is from overseas so it got declined. I called in to confirm iam the person trying to make the purchase, it is not fraud. They said card is good to use. Tried to XXXX minutes later and it gets declined. I call again and they told me my account is under review and someone will reach out within 24 hours. That was 48 hours ago. I called this morning to make sure my card would be useable because they said 24 hours and i desperately need to access my funds as its the only thing I have to my name. They assured me at XXXX my card could be ok to use. Went to attempt to get breakfast and my card gets declined yet again, call and iam told the same thing. My account is under 24 hour review and someone will reach out. When I asked what exactly is going on with my account, they say they cant give me anymore information. Meanwhile I have no funds, MY funds that I need to survive.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Multiple times I have address Wells Fargo concerning overdraft fees when there are insufficient funds in the account. Ive even tried to get them to disallow the overdraft coverages they offer and have received information from them that they recognize me doing both. Yet overdrafts continue to come through at their discretion. Unfortunately this has no cost me over XXXX $ in overdraft fees when the account is already overdrawn and allowing charges, debits, and transactions to occur. IF THERE IS NO MONEY IN AN ACCOUNT, NO TRANSACTIONS IN ANY FORM SHOULD BE ALLOWED. They are using my future funds to cover for a charge that should not be accepted, and then charging me extra for them doing it. This is not a service I want or desire from any company let alone my Bank.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank Owes me {$290.00} for services not rendered from a vendor after promptly closing my account early  XXXX  with out notice. I recently received notice as of today via email that an account reversal of {$130.00} took place when I no longer have this account by the bank 's request and the bank wants to charge me back funds when in fact I have not had returns. I also had to spend extra money due to the shut down o n the road, a nd Chase Bank refuses to compensate me for the huge disruption with out even having a debit card to use while traveling.   Now the bank want to charge me for a claim that was not valid. I received a letter with no description. I do not want Chase Bank to email me, or to contact me at all other than mailing me of what is due to me which is {$290.00}. My account have been closed since  XXXX  upon the banks request. I find this unlawful.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$50000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3000.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Credit 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: CITIBANK, N.A. (CA)

Hello CFPB Team, I am contacting you regarding a dispute with Citibank concerning a purchase made through XXXX on XX/XX/year>. After visiting the XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, CA, where the item I wanted was unavailable in my size, the sales associate assisted me in ordering it online. When the white leather sneakers arrived at my home on XX/XX/year>, I immediately noticed a scratch on the top part of the sneaker. Considering the high cost of these sneakers, receiving them in such a condition was unacceptable. 

I promptly reached out to my in-store sales associate via text on XX/XX/year> the same day I had received the item, who advised me to return or exchange the sneakers through XXXX. I followed the instructions and shipped the item back on the same day, explicitly noting the damage in the return request. However, XXXX returned the sneakers to me, claiming they were received in the damaged condition I had initially reported. 

Following this, I contacted XXXX customer service and was directed to their " Client services '' for a resolution. Despite providing photos of the damage, screenshots of the communication with my sales associate, and following up through multiple emails and phone calls, I received no response. 

After several weeks, I reached out again to XXXX client services asking for an update, I was informed by a customer service agent that XXXX management decided they could not accept the damaged goods as they could not be resold. They suggested I contact Citibank to dispute the transaction instead. 

On XX/XX/year>, I filed the dispute with Citibank via their mobile app, providing a detailed account of the issue and offering to supply further evidence upon request. On XX/XX/year>, Citibank concluded their investigation, holding me financially responsible without apparent consideration of the additional evidence I offered. 

Despite repeated attempts to obtain further details from Citibank, I have not received any additional information or the promised detailed letter, which was supposed to be available in the " Notices and Letters '' section within 24 hours. It is now XX/XX/year>, and I still have no update. 

In summary, XXXX delivered damaged goods and refused to resolve the issue, and Citibank has denied my dispute without thorough investigation. I am deeply disappointed and feel that I have been let down by both the retailer and my financial institution. 

Thank you for your attention to this matter. I am eager to hear your advice on how to proceed. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

The company has not explained why there is a constant increase in mortgage monthly payments or why or how I can close the escrow account and pay my own taxes and insurance. I secured my own homeowners insurance and paid for it, they then continued to pay and had the insurance company refund my payment, yet making sure there was no deduction in monthly payment. They will not answer the issues I need answered but instead send generic replies. They continue to add more to my monthly payment since they acquired this loan in XX/XX/2024, I have never been late with a payment, yet the payment amount continues to rise. As of now I am paying more with a lower interest rate than the original amount. I am a XXXX and seem to be targeted to loose my home of XXXX XXXX XXXX. I have not received any notices or reasons for increase from the mortgage company, learn of this increase when going to pay monthly mortgage payment.
Consumer complaint received 2024-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TN)

I have attempted to use a Visa Vanilla Gift Card on about a dozen retailers online, including fairly major ones such as XXXX and XXXX, as well as trying to add them to XXXX, XXXX, and XXXX XXXX. Nothing worked. It's a {$25.00} gift card that I can not use.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I am writing to formally lodge a complaint against Navient regarding their unfair denial of my private student loan cancellation request. Below are the specific details of my case : XXXX XXXX : ** XXXX Original Principal {$18000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$10000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$4000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$7200.00} Disbursement Date XX/XX/XXXX Original Principal XXXX Original Principal {$7000.00} Disbursement Date XX/XX/XXXX Despite following all necessary steps, providing all required documentation, and demonstrating that I meet the necessary criteria, my request for student loan cancellation was denied. When I initially received the application, it took multiple tries to fill it out as the file sent to me kept corrupting and not saving ( I have attached a copy to show as example ). Navient responded, but has not provided sufficient explanation or justification for their denial, nor have they offered any reasonable options to resolve the matter. The denial of my request has placed an undue financial burden on me, as I am already struggling with affording everyday life necessities. This student loan debt is a significant barrier to my financial freedom and is preventing me from achieving important life goals, including buying a home or even thinking about starting a family, let alone taking care of my XXXX XXXX  mother. I believe that Navient is not acting in good faith to help me find a reasonable solution or offering any alternative options for resolution. This has caused significant frustration and stress.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: United PanAm Financial Corp. (IN)

This account is involved in litigation I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (IL)

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NV)

On XXXX I received a wire transfer from XXXX XXXX XXXX and Chase stated they received it on XXXX it was confirmed by Chase. Chase then put a fraud alert on the transaction. I found out about it from the person who sent the money from XXXX XXXX XXXX as they were contacted by the fraud department at there Bank and told what was going on, once everything was verified XXXX XXXX advised Chase there was no fraud and Chase has refused to release the wire transfer. This feels like I'm being discriminated against. I was assured the funds would be available by XXXX XXXX XXXX XXXX XXXX  and the funds still haven't been released.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

Tuesday, XX/XX/XXXX my wife and I 's WellsFargo checking account must have been hacked and there was an unauthorized wife transfer sent for {$6900.00} clearing out our account. We found this out by WellsFargo sending us an email of suspicious activity on our account and they froze the account. Immediately, we filed a fraud claim report stating we did not authorize this wire transaction and were seeking to get the funds refunded to our account. In addition, we closed the accounts and opened all new ones because of the fraudulent activity on the accounts. WellsFargo has since denied our claim stating that we authorized the transaction when we did not, in fact the reason we found out about this was WellsFargo sending us an email stating suspicious activity on the account?!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

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. CITI  XXXX, CITI XXXX, CITI XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute wrong information on my credit report. I am concerned that my personal information may have been compromised and as a result inaccurate and fraudulent information has appeared on my credit report. according to the FCRA I have the right to dispute any and all inaccurate listed. these are all the accounts that are not mineXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to file a formal complaint regarding the actions of Santander Holdings USA , Inc. concerning the repossession of my vehicle XXXX XXXX XXXX in XXXX. Despite being entitled to the right of rescission under 15 U.S. Code 1635, which provides consumers with the ability to rescind certain types of credit transactions within a specified period, Santander failed to honor this legal right. After promptly notifying Santander of my intent to rescind the loan within the allowable timeframe, they proceeded with repossessing my vehicle, an action that clearly violated federal law and my rights as a consumer. I contacted the attorney general for my state in Florida, rust law firm and Santander. I ve been patiently waiting for the remedy and its almost near the end of XXXX. I sent the rescission letter and called Santander Holding USA, XXXX XXXX XXXX, Florida the car dealership back in XXXX, but these companies looked past me in the worst way. 
Furthermore, I have not been granted any relief or compensation from the settlement that was reached in the lawsuit involving Santanders fraudulent and deceptive practices against desperate consumers. Despite the documented evidence of my case, I have not been included in the settlement benefits that were intended to provide relief for consumers affected by Santanders predatory lending and improper repossession tactics. This exclusion has further compounded the harm I have experienced and left me without recourse. I have been taken advantage of and I doubt Santander will fix this issue.

I respectfully request that the CFPB investigate Santanders failure to honor my right to rescind, by pulling files and not just listening to some shady character or characters. I am the one that is severely affected by this group as a consumer. They unlawfully repossessed my vehicle, and my exclusion from the settlement. I seek your assistance in ensuring that Santander is held accountable for their violations of consumer protection laws and that I receive the proper remedy and relief for the losses I have suffered. Santander, and XXXX XXXX XXXX have all my documents that i sent regarding the right to rescind. 
Thank you for your attention to this important matter.
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: CL Holdings LLC (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>, XX/XX/scrub> XXXX XXXX
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/year> sent XXXX transaction based on email communication totaling {$100.00} to ( XXXX XXXX ) email XXXX on behalf XXXX XXXX XXXX XX/XX/year> sent another XXXX transaction for {$400.00} ( XXXX XXXX ) XXXX. The is a retail scam in XXXX Ohio