davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

First I was getting text on my phone saying this is my confirmation code. Received XXXX  times at XXXX then XXXX  times again at XXXX. So I called Capitol One told them what was going on and as I was on the phone the hackers were making charges of XXXX over and over while on the phone. I ask if they could stop it cause they kept charging it. Capitol One said not not until it's not Pending. So finally they shut down my card, but not before they racked up XXXX charges on my card. Told them it was my XXXX acct and what the last XXXX dights of it was. They said they would expedite my card, and did. Got in in XXXX  days, then come to realize it was for my husband 's acct NOT mine. Call back ask again, to expediate it by a manager because of their error. Still haven't received it today, so called. They said it had not been sent, and they don't know why? Ask to talk to a manager thought they were smarter, wrong again. She said because they had done it twice it would be another 10 days, I need that money it's my grandson 's XXXX XXXX money. They kept sayin same, sorry another week. And this for something I did NOT do, they did, now I have to wait not once but twice for their screw up. How can I file something... anything against them for their continuous screw ups with my card? I'm so done with their EXCUSES how can we hold them accountable?
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Back in XXXX of XXXX  ( XX/XX/year> ), I had received a XXXX  from the state of FL for {$50000.00} put towards my student loans. I had given specific instructions to MOHELA on where I wanted that {$50000.00} to go towards, which was essentially my highest interest loans. Once they received the $ XXXX, they ended up putting it towards ALL of my loans instead, instead of the ones I instructed. 

I understand they were going through the transition to the new platform, but this issue has still not been resolved. I have been on the phone with them many times since XXXX, and they continue to tell me that it will be resolved, and that the $ XXXX will be reallocated, but nothing has been done. Because I've been waiting for the loans to be properly processed, it has stopped me from making any meaningful progress towards my loans, because I am not going to make a payment when the loan information is wrong, and interest has now just been growing. I have a big lump sum waiting to be made again, and I can not put it in until this is corrected. 

Please, help me resolve this with MOHELA. I am not asking for special treatment, I'm just asking for the payment to be correctly allocated. Thank you!
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX our account at Sofi was compromised. Two unauthorized XXXX  of {$600.00} and {$400.00}, an unauthorized debit of {$110.00}, and a XXXX XXXX XXXX  of {$8.00} were all charged to our account. We contacted support on XX/XX/XXXX and I provided a valid California state drivers license to verify my identity. 

The unauthorized Zelles were refunded on XX/XX/XXXX and the unauthorized debit was refunded on XX/XX/XXXX. The XXXX XXXX XXXX is still under investigation. 

On XX/XX/XXXX, the bank withdrew {$2900.00} from our checking and {$43000.00} from our savings reducing the balances in those accounts to {$0.00}. 

In Sofi 's terms of use for XXXX XXXX  XXXX ( https : //www.sofi.com/terms-four/ ), it clearly states that a XXXX XXXX XXXX loan can only used for purchase amounts above {$50.00}. " a total purchase amount ( the Total Purchase Amount ) of at least {$50.00} from eligible merchants '' There does not appear to be anything in Sofi 's terms of use ( https : //www.sofi.com/terms-of-use/ ) that allow them to remove money from the account.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2013 someone made a deposit of the amount of XXXX $ in my bank of america account and the check bounced they closed my account and reported fraud on my XXXX XXXX   and XXXX XXXX report.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (WI)

My wife applied for a Citibank Visa on XX/XX/XXXX which was approved on XX/XX/XXXX, application number XXXX. I am not a co-applicant nor am I an authorized user. On XX/XX/XXXX, she received the credit card with instructions to activate. In addition to the instructions to activate the card, there was a notice that she was required to call them if she was a married Wisconsin resident and provide the spouses name and address. She called as instructed that day, was transferred twice and was told by the XXXX person that given she was already approved, she did not have to provide the name and address of her spouse. 
According to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, commonly called the tattletale notice, they failed to follow the law. It does not require them to provide this notice if the non-applicant spouse is aware of the credit granting. Yes, I was aware of the credit, thus I am not entitled to a penalty fee. They did not ask if I was aware of the credit extension however. 
I had applied for the same credit card in XXXX, application # XXXX. I filed an ECOA complaint to CFPB on XXXX as they turned me down as they were unable to verify some information on my application. I had written to them on XX/XX/XXXX as to what information they needed, no response to this day. My wife and I should have had an identical credit report. As a result, I lost about XXXX XXXX XXXX frequent flyer miles which had value. They responded to my complaint which amounted to nothing, the complaint went no further. 
I bring this tattletale requirement to your attention as it may be a continual violation when Citibank deals with Wisconsin applicants. Providing data from them maXXXX disclose a pattern of violations. Another example of a big bank bending the rules, much like they did with the sub-prime mortgages back in the XXXX  years.
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (MI)

In XXXX of 2024, I had to have some some repairs on XXXX XXXX. I didn't have the money, and the repair place suggested a the loan service Koalafi for the amount of {$2500.00}. Being desperate i signed up. I was told that I would have 90 days to pay it off before interest was applied. They would take {$210.00} out of each paycheck until it was payed off. I tried to pay extra to try and pay it off in 90 days but I was unable to. The 90 days ended in XXXX and I didn't pay close enough attention. Here in XXXX I saw that I had payed {$2600.00} but I still owed {$1600.00}. I tried to call and was told since I didn't pay in the 90 day that I still owed {$3000.00}. Since it was before the " year loan '', I could pay {$1600.00} at the " discounted 45 % '' amount. I just payed the amount from my Mom 's account, but it's horrible that a loan company could have such a predatory practice. In the 4 months I had to pay {$4300.00} for a {$2500.00} loan i needed for XXXX  repairs. I'm concerned that if they gouged me then they are gouging others.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Subject : Complaint Regarding Denial of Access to Consumer Report Dear CFPB, I am writing to file a formal complaint against TransUnion and XXXX for their failure to provide me with access to my consumer report. Despite repeated attempts to obtain my report, I have been met with obstacles and denials. 
The inability to access my consumer report is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). This law grants consumers the right to obtain a copy of their credit report and to dispute any inaccuracies. 
The actions of TransUnion and XXXX have caused me significant inconvenience and frustration. I am unable to monitor my credit report for errors or fraudulent activity, which could have serious financial consequences. 
I respectfully request that the CFPB investigate this matter and take appropriate action against TransUnion and XXXX. I believe that these companies are not complying with the FCRA and are harming consumers. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.
Consumer complaint received 2018-10-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2018 while traveling to an appointment I started to receive calls from an unknown number. After recieving repeated calls, I called the number back to find it was Chase informing me that my account was past due.I received 5 calls total of harrassment between XXXX-XXXX on XX/XX/XXXX. I believe I had payed that account already so I requested a payment history be mailed out. 
On XX/XX/XXXX, even after requesting a copy of my payment history, I recieved 3 more annoying calls between XXXX -XXXX. At this time i reviewed my online banking & an authorized a payment of {$200.00} to Chase. 
On XX/XX/XXXX, i get off from work to find that I already have 2 missed calls from Chase. I call the number back @ XXXX. I speak with a representative named XXXX. I informed him that i had request a payment history but I had also already sent over payment because of the amount of calls I was receiving. I informed him that the calls were excessive and his response was that it was not a representative but an auto dialer and that my payment had not been recieved. I verified with XXXX that the payment was pending on my end for XX/XX/XXXX. I again informed him that the calls were excessive and that more than 2 or 3 calls should not happen. He ignored my concern & stated he would note my account that a payment will be made XX/XX/XXXX which should end the calls. My concern is that a limit of calls needs to made with their " auto dialer ''. No customer should recieve 5 calls in one day for any reason. These calls were within a 9hrs period & often less than 2 hours apart.It is abuse and harrassment and needs to change immediately.
Consumer complaint received 2018-09-28
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (AZ)

While I was being pre-qualified to purchase a home in XX/XX/2018, I was denied due to derogatory mark on my credit report. I enrolled in XXXX XXXX to view this negative mark and saw that a collection item placed by Ability Recovery Services, original creditor XXXX University, was present as of XX/XX/2018. Ability Recovery Services failed to send me initial communication before placing this alleged derogatory status on my credit reports violating FCRA. On XX/XX/2018 I sent letters to both Ability Recovery Services and XXXX University  requesting validation of debt, dispute put on credit reports while researching and deletion of tradeline if validation can not be provided. Neither Ability Recovery Services nor XXXX University provided me with validation of debt to date. They failed to respond within 30 days of receipt of these certified mails and thus the tradelines should have been deleted. I am requesting immediate removal of tradeline from all reporting credit bureaus.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION (PA)

In XXXX, I got behind XXXX mortgage payments and when I had the funds, I sent them to the lender, M & T Bank. They returned XXXX payment and who knows what they did with the other. However, during this time, they mailed me paperwork to complete. Unfortunately, just a few short months after I began this process with them, COVID led to my husband being out of a job. We were extended relief during that time. 

I have around XXXX e-mails sending information, following up, asking for assistance. Every time I sent something complete, they wanted something else. And would not accept payments. XXXX XXXX is their representation and they began foreclosure proceedings, but when I reviewed, they had errors in the filing AND I never received an XXXX XXXX notice. XXXX kept delaying and ultimately withdrew until XXXX. In XXXX of this year, the house was to be foreclosed. I engaged an attorney and filed XXXX XXXX bankruptcy. He took it upon himself to withdraw the stay- I have no idea what he did but he told me well bankruptcy won't help you, you didn't make mortgage or trustee payments. I had not been properly informed of the process ; he led me to believe payments would not begin until the creditor hearing, which HE delayed. I furnished him all the information. Now, I have no idea the status ; the paperwork from XXXX makes NO sense. 

I don't have the money to be hiring attorneys and loan modification specialists. I have tried, since XXXX and through XXXX to attempt resolution. I had income to cover the mortgage then. Fast forward to XXXX when my husband was unable to work XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately I was unable to work myself at one point due to XXXX XXXX issues and court dates etc. 

I think from the beginning M & T did not handle any of my requests, even though they kept sending me packets to complete etc. I HAVE talked to another attorney to sue the last one and take action against XXXX. I personally want an advocate to help me get a loan modification. They kept announcing on their website, and sending correspondence about automatic forbearance and COVID really muddied the water. I am a newly XXXX  mom of XXXX children with my elderly mother living in the home. Foreclosure would displace XXXX families.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I, XXXX 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. 

JPMCB CARD  XXXX
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (KS)

I was send an email stating they can't give me a line of credit but I never applied and when I spoke to them I got the run around I also asked them to delete my banking info from their database and they are refusing too delete it.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : ( XXXX : ) Capital One Auto Finance, Account number : XXXX : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> ( XXXX : ) Capital One Auto Finance Account number:XXXX-Status : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> ( XXXX : ) Capital One Auto Finance Account number:XXXX-Status : Repossession. {$12000.00} written off. {$5000.00} past due as of XX/XX/XXXX XXXX XXXX 2024 Past due amount- $ XXXXLast payment date XX/XX/year> 2024
Consumer complaint received 2018-10-05
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. (VA)

I sent a letter to Equifax requesting that send me information that proved the verified the Public Record reporting on my account, and the account XXXX these items are reporting negatively on my report and affecting my credit score. I sent them two letters and they sent back verified for the public record, however they stated they obtained from local, state and federal courts through a third party vendor XXXX. 
I have a letter from XXXX where I opt out of the program and a letter from the court that states that do not report to the credit bureau. They have failed to provide me with a valid resource, person of contact, or agency.