davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Had an error on my XXXX and Experian reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX  has since been removed from Experian but XXXX XXXX XXXX remains ) this account was paid in FULL, however XXXX verified it all 4 times I disputed it as did Experian, so I show XXXX  AND Experian my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXXXXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

I made a purchase online for {$220.00}, while checking out I selected XXXX  but instead it took the whole {$220.00}. I immediately emailed the merchant to cancel my order so that I could repurchase using XXXX. I received no response to my emails so I then disputed the amount with Chase. While disputing, I selected the option that made most sense at the time which was that I was overcharged. Since I selected that reason I had to put the amount I was supposed to be charged which would have been {$55.00} ( the XXXX  portion ). Chase then reimbursed me for {$160.00} but after talking with the merchant who showed proof the total was correct and not an overcharge, they reversed the claim and removed the {$160.00} from my account. So now I have {$220.00} that is taken from my account and I have no product. I called chase multiple times to get my money back but they said they can not reopen a claim as I only have once chance to file it right. I also tried contacting the merchant as they were no help and suggested I take it up with the bank.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DE)

I was told on the phone that only if I proceeded with the mortgage application to the next step my credit card will be charged. I informed the agent ( XXXX XXXX ) that I did not want to proceed with the mortgage application on XX/XX/XXXX. I was confirmed on the phone multiple times that they will not charge my card until I asked them to move forward. On XX/XX/XXXX, after a week I see a charge for {$31.00} on my XXXX  from Quicken loans! For an application, I did not proceed with.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Dear Capital One Support Team, I have already provided all necessary documentation, including a receipt from my XXXX account that verifies the funding source, yet I am repeatedly told the same vague information with no progress. Furthermore, every time I contact your support team, I am met with unprofessional and dismissive behavior, including being hung up on by a particular representative. 

This situation has become intolerable. I have already reached out to the Attorney General in New York to inform them of this issue, as holding my funds XXXX without resolution is, in my view, unlawful. Additionally, I am gathering documentation from others who have experienced similar treatment from Capital One, and I intend to bring this matter to the attention of my local news station if it is not promptly resolved. 

I urge you to release my funds immediately. I have also escalated this issue to your CEO, but to date, I have not received any assistance. I demand a prompt resolution and the release of my funds, or I will pursue further legal action. 

I expect an immediate response and resolution to this issue. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear CFPB, I am writing to file a formal complaint regarding the non-disclosure of the callable feature on a 12-month Certificate of Deposit ( CD ) I purchased through Merrill Lynch , as facilitated by Bank of America . The lack of disclosure and subsequent misinformation have led to significant confusion and financial loss.

Account Details : - Institution : Merrill Lynch ( facilitated by Bank of America ) - Account Type : 12-Month CD - Interest Rate : 5.55 % - CD Open Date : XX/XX/XXXX - Maturity Date : XX/XX/XXXX - Account Number : XXXX Summary of the Issue : On XX/XX/XXXX, during an appointment with Bank of America, I was guided to open a Merrill Lynch CD. I was instructed to finalize the account setup online. At no point during this appointment or the online account opening process was I informed that this CD was callable, meaning Merrill Lynch could terminate the CD early.

Two weeks ago, I noticed that my CD balance did not reflect the expected 5.55 % interest. When I inquired, Merrill Lynch advised me to wait until the maturity date for the full interest to be applied and did not mention any callable feature. Today, I learned that my CD was called in XX/XX/XXXX, which was the first time I was made aware that the CD could be called before its maturity. 

Impact : The early cancellation of my CD and the misinformation provided have caused the following issues : 1. Loss of Expected Interest : I did not receive the full interest for the 12-month term.

2. Reinvestment Challenges : I am now forced to reinvest my funds, potentially at lower interest rates, due to the unexpected early termination.

3. Misleading Information : I was misled by both
Bank of America and Merrill Lynch regarding the nature of the CD and received conflicting information when I inquired about my balance.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (AL)

I took a title loan in XXXX and haven't been able to pay it off. I'm paying XXXX XXXX a month for the last two years. I'm living on XXXX and in order to pay this off I would become homeless.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (MD)

I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Transunion. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CA)

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. 

TD BANK USA/TARGET XXXX XXXXXXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXXe {$1100.00}, XXXX {$750.00}, XXXX  XXXX {$2400.00}, XXXX XXXX XXXXXXXX {$650.00}, XXXX XXXX XXXXXXXX {$820.00}
Consumer complaint received 2024-09-24
Product: Credit card — Store credit 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: Paypal Holdings, Inc (NH)

I purchased a piece of furniture on XX/XX/year> for {$1000.00} on my paypal credit card and continued making payments for it on time for almost 6 months. Before the 6 month mark, I still hadn't received the product so I disputed the charge and got a refund on XX/XX/year> from paypal. Then on XX/XX/year> I received a refund from the organization that originally charged me. Finally on XX/XX/year> I received a recharge from paypal of XXXX because I had basically received 2 refunds. This is all fine. What proceeded to happen is paypal then charged me XXXX on my " paypal cash '' account, unrelated to my paypal credit card. Despite constant frustrating phone calls to both organizations neither have been able to rectify the situation and have now sent a completely fraudulent charge to a collection agency.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

My checking account with XXXX  XXXX XXXX was closed and paid in full {$17.00} and this negative account needs to be removed off my credit reports and Chexsystem reports
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AR)

Balance transfer was initiated on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for {$XXXX}. After XXXX weeks of no payment being received by the credit union, I requested that the transfer be cancel. They denied the request and instead recommended that I file a dispute. After the dispute was reviewed ( another XXXX business days ), I was notified that another check was sent on XX/XX/XXXX. It is now XX/XX/XXXX and still no payment received. I have a payment due on XX/XX/XXXX. Ive accrued interest over the last month at no fault of my own and now my credit report shows I owe {$XXXX} on XXXX accounts instead of XXXX. Discover still refuses to simply cancel the transfer.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. ()

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$2000.00}, DOE XXXX {$2400.00}, XXXX XXXX XXXX {$510.00}, DOE XXXX {$4900.00}.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX i deposited my tax refund from the IRS check to my Citibank at the atm for XXXX and it went on hold for a week, as soon as the funds came i made a withdrawal and XXXX days later my account was closed and i visited a branch and called their customer service number and they said my account is closed and the funds will be sent back to the issuer and i wont be recieving a check in the mail for my funds.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP (IL)

Hello, We went through the underwriting process for a conventional construction mortgage with Associate Bank in XXXX. The initial reason we went down the underwriting process with Associated was their construction loan product had a 12 month interest only period followed by a traditional 30 year mortgage. We received multiple rounds of " Initial Disclosure Documents '' from Associated all that had 12 months interest only payments, displayed very prominently, with no additional disclosures or asterisks. We finished construction early ( about 4-5 months into the loan ) and got a notice that they were converting our loan to principal and interest payments. I reached out initially, via email in early XX/XX/2020, to the loan officer : ( XXXX XXXX Residential Loan Officer | Residential Lending Office : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX NMLS : XXXX ) we worked with to inquire about what had happened and got no response. I followed up again a week later and got a response which was a forwarded email from her supervisor : ( XXXX XXXX VP | Senior Residential Sales Manager Office : XXXX | Cell : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NMLS ID : XXXX The response was that buried in the FAQ 's on our loan documents, which we received late the night before a morning closing, there is a provision that says once construction is complete they will convert our loan. During numerous calls and emails with our loan officer during the underwriting process this material fact was never mentioned despite the fact we said 12 months interest only was very important to us. I told our loan officer that I though the response was inadequate and the language in the initial disclosures and our discussions ( mine and the loan officer ) were misleading for not ever mentioning such a material fact and I wanted the bank to honor the 12 month interest only commitment. I never received a response back. About 10 days ago I received a call from the bank asking about why we had not made out payment, I told the woman on the phone why and again asked to speak to a manager. I was told that no manager was available at the moment, but that one would absolutely give me a call in 24 hours. To date I have still not heard anything from the bank. 

I have attached 1 of the many disclosure documents that we signed and highlighted all 5 of the spots where is says interest only payments for 12 months and not one spot is there any qualifier or note that once construction is complete the loan will automatically convert.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account dont belong to me.
Consumer complaint received 2018-08-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX I was transferred to Well Fargo Bank as a re-finance.I was current status until XXXX XXXX. I was experiencing grave hardship.!. the mortgage escalated through flood insurance coverage.2.loss of income. ( stock market crash hit my chosen career hard from 2008. ) 3. loss of child support. The bank has written to me their intention to assist me and avoid foreclosure, but every time I pleaded for mercy and assisstance, it was a denial or an obstacle.I petitioned the Home Preservation Team XXXX. These dates fall into the time line of the news story that broke on XXXXLoan modification applicants may have been pushed into foreclosure by a computer error.There was a court hearing in XXXX, N.J . on XXXX XXXX.Honorable Judge XXXX XXXX ruled a temporary extension to an eviction through The Sheriiff Dept.of XXXX XXXX.Wells Fargo bought the house back. I believe there is a way to negotiate and rescind the property back to myself.This is an urgent matter.Enclosed documents.