davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are 5 back-to-back hard inquiries on my credit report from Capital One Auto Finance from XX/XX/2017. I only authorized one of these inquiries. I don't understand why they pulled my report 4 additional times.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CT)

Today ( XX/XX/XXXX ) I received a " Goodbye '' letter dated XX/XX/XXXX from my mortgage servicer, ARVEST Central Mortgage Company informing me that my mortgage servicing had been transferred to XXXX XXXX  XXXX. Arvest will stop accepting payments on XX/XX/XXXX and XXXX will begin accepting payments XX/XX/XXXX. 

This is ridiculous. a critical payment notice and change of servicer within 10 days of taking effect? How long has this been in the works? Servicing transfers just don't happen overnight -- - I've been in the capital markets for over 30 years and know how long these agreements take. 

My original mortgage was executed on XX/XX/XXXX and subsequently transferred to ARVEST within the first 60 days. Now another transfer within 15 months.

This is just one more example of financial institutions treating customers as financial commodities and in the process putting customer credit and payments at risk. 

If financial institutions are authorized to issued mortgage loans, they should be required to retain them on their balance sheet, manage the risk, and treat the customers as key relationships -- - not just another fee-based transaction. This puts customers at risk through no fault of their own, just the greed of financial institutions to extract a profit. 

The CFPB ( and Congress ) needs do more to protect American consumers.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NJ)

Opt out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Opt Out of Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally opt-out of my personal information from certain credit reporting agencies, as permitted under the Fair Credit Reporting Act ( FCRA ). Please process my request to opt-out of the following agencies : * CoreLogic * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten verbal and nonverbal per 15 USC I am exercising my rights under the FCRA, Section 604, which allows consumers to opt-out of the inclusion of their information in lists provided by credit reporting agencies for offers of credit or insurance that are not initiated by the consumer. I understand that by opting out, I may reduce the number of unsolicited credit and insurance offers I receive.

Please ensure that my request is promptly and accurately processed, and that my information is excluded from any lists provided by the mentioned credit reporting agencies for the purposes outlined above. 

For your reference, my personal information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] I appreciate your prompt attention to this matter. If there are any additional steps required on my part or if you need further information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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: GOLDMAN SACHS BANK USA (WI)

On XX/XX/XXXX, I purchased 4 tickets to a show from XXXX, not knowing that I was being transferred to this website to fulfill my transaction.

After securing my tickets, I quickly realized that I purchased 3 tickets and not 4. I immediately emailed and chatted with XXXX and they stated all sales are final, even though ; I never received the service, emailed within minutes of me finalizing my order and how there refund policy is not listed prior to you executing the transaction, which is fraud and a scam. 

I need my {$410.00} back. I disputed this through my Apple Card.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (LA)

I recently reviewed my Consumer Report where I discovered that ( TOWER LOAN ) date opened ( XXXXXXXX  ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Following the complaint ID XXXX submitted on XX/XX/XXXX in which

CITI bank cheated me on a {$3500.00} bonus regarding my savings account, now CITI has been resentfully revengeful by closing two if my credit cards, namely BEST BUY and COSTCO. I have never been late on payments for the two credit cards and I have always paid the balance in full to avoid finance charges and service fees ( may be that is something that CITI does not appreciate ). However, I have no regret and no sorrow not to be able to use these cards anymore and I would pay the balance of {$23.00} on my Best Buy card before
the due date. However, CITI is refusing to give my my rewards of about {$90.00} for the purchases I had been making beforeXX/XX/XXXX. The balance on the Costco card is about {$750.00} but I would like to have my reward bonus to be taken into the account before I pay the remaining balance, but CITI refuses to honor the rewards that I had earned using CITI card. This is outrageous and it is not fair.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

As stated in my last correspondence, Portfolio Recovery Associates has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXXXXXX XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Portfolio Recovery Associates or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXXXXXX XXXX  failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2018-02-11
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: Experian Information Solutions Inc. (WA)

XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MA)

On XX/XX/XXXX, U.S. Bank charged my US Bank Cash + credit card account {$6.00} in monthly interest. I was puzzled, as I had held this card since XXXX with all monthly balances paid in full. The matter grew worse when I went online on the PC desktop website and was unable to edit the amount of the monthly auto-pay, which was locked to pay less than the full amount. When I called US Bank customer service earlier today, XX/XX/XXXX, I was kept on hold for an interminable time, and had to connect first with a CSR, then a banker, and finally website technical support who opened a ticket and promised I would hear back from them within a few days. It is illegal to charge someone interest against their will and the bank was unable to even identify the root cause issue, beyond promising to research. This matter needs to be promptly remediated and the bank punished for its lax financial controls impacting household income. It is entirely possible that this issue is not limited to a single account or household. I also want to make sure that the current interest amount is refunded in full and this issue is permanently corrected.
Consumer complaint received 2021-09-21
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: Paradigm Assets, LLC (AL)

I AM ATTACHING A COPY OF A XXXX REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MS)

Account was opened with chase around XX/XX/XXXX. 

I received 3rd party endorsed checks as a form of payment for goods and services rendered to my clients to which I deposited into my checking account with Chase to enforce the instruments. The bank place holds on them requesting that the third parties provide identification for themselves. There were two individual checks and two individuals representing two different checks identified themselves at the XXXX branch. However the money was not released or issued. The bank has held my money for over 2 years with no resolution. When I called on XX/XX/XXXX at XXXX XXXX  I spoke with an associate named " XXXX  '' he would not identify herself with a real name, and was met with the response that I could not take the conversation although that they were taping their end and was provided no account information and told that any dates of deposits dispute or decisions could not be discussed on the phone or provided. The agent was rude and asked why I hadn't pursued this in over 2 years so I turned the question around and asked why the bank had not made any kind of resolution in 2 years or movement to do so .... Subsequently a supervisor called XXXX who refused to identify herself properly got on to the line and when presented with the same question she simply hung up after XXXX minutes of trying to get a resolution or any kind of an answer this is as far as I got. The company and been combative and I openly hostile to the account holder upon learning that the checks were endorsed by a married minority couple of XXXX  status and discriminated against for that reason. 

We want the bank to release the funds to the account holder within XXXX business hours as there have been hardship and damages incurred by depriving the customer of her money.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I purchased a vehicle back in XX/XX/XXXX. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The XXXX company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I filed XXXX XXXX XXXX and included this creditor on my XXXX and Equifax removed it. I have the paperwork and documents from my XXXX XXXX XXXX to show it. I have worked hard in my credit and by their error it dropped my credit XXXXXXXX XXXX  Im very upset and want to file a lawsuit if they dont fix it.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

The Mr. Cooper company has not been responsive during the pandemic regarding the financial impact to my family and my HELOC. I have been calling for a year since XX/XX/XXXX- practically every month after submitting a hardship affidavit without any resolution or clarification of options available to me. I have been repeatedly told that the customer service representative will call me back within a week after looking into the situation but I never receive a phone call. Each month I have to call again and am told the same thing the hardship affidavit request does not have a resolution. Today I was told that the request appears to be in a hold mode since XXXX XXXX when I submitted my second request. During this time they are reporting me as late to the credit agencies but each month telling me that there has not been a resolution and that the representative needs to investigate or escalate to a supervisor but I never hear back.
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (TX)

There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (LA)

In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.
Consumer complaint received 2021-09-21
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)

My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.
Consumer complaint received 2021-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I closed a CD account by phone at XX/XX/XXXX, and the representative told me a check will be mailed to me. I did not received anything in the coming three months. Until I went to the branch two more weeks later, they found out the apartment number was missing and promised a new check will be mailed out soon. The same thing happened again in a month later. I didnt received anything for half year long. I called, I emailed and I went to the banker and manager for some many times. This XX/XX/XXXX, they informed me this was the last time the bank sent out the check for me. Right now is XX/XX/XXXX, I still didnt received the check not even a latter for account closing. 
I have been coming to the branch repeatedly for the past year to try to resolve an issue I have been having. Not only was the banker unable to help me resolve the issue, they couldnt even point me in the right direction to get this issue resolved. After they explained that they were entirely unable to help me, they had the nerve to try to sell me other bank products entirely unrelated to solving my issue.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

On XXXX at XXXX I received a notification of an attempted withdraw for {$300.00} stating " did you try to use your chime card just now '' to which I replied NO. They still allowed the transaction to go through, even though they blocked a {$200.00} transaction at XXXX. 
I attempted to resolve with them and Chime categorized my claim as " ATM withdraw - NO funds received '' when it was an unauthorized transaction. 
It took 4 separate calls ( and denials ) to get it recategorized correctly. And finally they have denied me for the XXXX time stating they find " no error occured '' even though I have the texts to show they clearly allowed the suspicious transaction to be processed. 
Chimes fraud team does not investigate anything and instead just attempts to deny responsibility by categorizing claims incorrectly. What investigation team works XXXX? None. 
Don't use chime if you want your money to be protected.