davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Cash App suspended my access around XXXX of 2021 they advised that I violated policy. They did not advise me as to what policy was violated. I verified my identity as request by cash app management to retain my account. After verifying identity as requested, there was no turn around or information received as to what policy was violated and why my account was suspended. After reviewing the policy for myself, I found no illegitimacy derailing from policy rules/guidelines. 
I filed a complaint with Cashapp the XXXX and FDIC with no resolution. 

I will also file a complaint with XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (PA)

My trip was delayed due to hurricane in Florida. As a result, I incurred significant expenses. A feature on my card was travel insurance ; specifically travel insurance associated with airfare and vendors aligned to the card. My reliance on this led to me to use XXXX  for my travel and XXXX XXXX for rental services. 

My flight from XXXX was canceled ; due to lack of childcare the following day, I had to drive nearly XXXX hours to XXXX to reach a flight that was out of the storm coverage area. I incurred additional expenses from the rental card and an additional hotel room. 

I applied for insurance and provided the additional documentation. Despite providing multiple documents, the card or insurance company did not request any additional information. After two weeks, despite checking in and told, didn't need anything new ; I received a form denial letter stating my delay was less then XXXX hours. When I called to inquire, a rude customer service representative, whom showed little care for my situation, told me if I had a problem, I should file a complaint with the state department of insurance. 

I've been a card holder for a number of years ; supporting them through COVID when most people left travel cards as there wasn't much travel. I expected better. I consider their practice of indicating in their marketing materials they have travel insurance to be deceptive practices ; and their customer service practices for long time customers to be abysmal.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

Although the Federal government raised interest rates recently ; CitiBank has, this month, raised my interest rate 1.5 % to 31.74 %. I originally received the card from DSNB who sold to CitiBank. My interest rate has nearly gone up a point every month since last XX/XX/XXXX. I have never missed a payment on the account since I received the account in XXXX ; I always pay the minimum plus several hundred dollars more. There is no rhyme or reason for the continued increase especially since there have been no interest rate increase in the last XXXX months. 

In the past when i have complained to Treasury Department ( before your agency was incepted ) ; CitiBank has retaliated against me by putting negative, erroneous information about me in the credit bureau. However, Treasury sent them several letters in both XXXX and XXXX that an investigation had been launched ; I never received an outcome but the information was laboredly corrected. 

No matter what I do to pay off these people they continue to hamper my being rid of them by raising interest rates for no apparent reason ( my credit score is XXXX ). To keep me paying them off ; they keep raising my interest rate. I pay the minimum plus {$200.00} every month how can my balance keep increasing when I am not using the card or patronizing Macys at all. 

When I called today and spoke to someone named XXXX, i was told that everyones interest rate increase by at lease 1.5 % and they do not negotiate a lower rate for anyone. 

How can they get away with this to try to keep Macys alive when people simply are not interested in continuing to get into this kind of overbearing debt?!! 

Thank you.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-08-16
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: U.S. BANCORP (MO)

i contacted us bank for a balance transfer to pay off my XXXX XXXX  loan. because they sent me a promotional offer of 0 % interest for a year. they sent the first check in the amount of {$10000.00} on XX/XX/XXXX. after about 2-3 weeks the loan at XXXX XXXX was not paid off. so i contacted us bank and let them know, and they determined they mailed the first check to the wrong address. so they said they would put in a new balance transfer for {$10000.00} on XX/XX/XXXX, and stop check on the XX/XX/XXXX check. however, they stopped check on the XX/XX/XXXX check. i called on XX/XX/XXXX and they saw this error and issued another check for {$10000.00} to XXXX XXXX. i asked them about the original XX/XX/XXXX check because my account shows a balance of {$21000.00}, they told me they would research it and in about XXXX weeks they will refund the amount and my account will reflect the correct amount. well about a month went by and the incorrect balance was still there. so i contacted them yesterday and they told me that both of the checks were cashed and because of this it cause my to go over my credit limit and they decided they are closing my account because it is too risky. so they told me i have to pay the {$21000.00} by XXXX XXXX. i have contacted XXXX XXXX  and asked them to mail the check back but they say they need information of where the check was sent to from usbank. and i can not find that information nor am i being provided it. now i feel like i got baited for a balance transfer and have to pay it.
Consumer complaint received 2024-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (VA)

- XXXX XX/XX/year> I proved Rocket Mortgage with documentation of my VA XXXX tax exemption - XXXX XX/XX/year> Rocket Mortgage completed an incorrect escrow analysis - XXXX XX/XX/year> Rocket Mortgage auto-withdrew {$6500.00} finial mortgage payment ( {$1000.00} overcharge ) - XXXX XX/XX/year> Rocket Mortgage transferred my mortgage to XXXX - XXXX XX/XX/year> Rocket Mortgage stated they would not be able to repay the overcharge and that I would have to take it up with XXXX. XXXX stated that they would not be able to repay an overpayments until they complete their escrow analysis. Expected timeline would be XXXX XX/XX/year> for completion of analysis.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX  XXXX. 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-22
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: JPMORGAN CHASE & CO. (CA)

I Recently learned from checking my credit report I have Thert and fraudulent credit card accounts under my name has been going on for awhile I just now was able to check my credit report and discovered XX/XX/XXXX Hard Inquiry From JPMCB CARD which stands for JPMorgan Chase company and another from JPMCB CARD hard inquiry on XXXX. I have reached out and was requesting information about this account under my name a they denied and said I do not have an account with them.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Other banking product or service
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: Carvana Group, LLC (TX)

Please note, all communication took place on the CarVana chat engine and I have preserved all chat conversations for verification of the below. 

A deal to purchase a car ( XXXX XXXX XXXX ) began on Saturday, XX/XX/XXXX. The deal fell through on Monday, XXXX due to a Carvana agent not providing accurate information of what was needed ( payoff letter contained a po box and Carvana needed an overnight address ). When I asked if everything was received it was at that time XXXX told me I needed to obtain a new payoff letter. I obtained within the hour however Carvana cancelled the deal and I had to redo everything, which also changed the car delivery date from Wednesday to Friday, which did not work for us b/c we had a daughter going off to XXXX  and needed the vehicle for her to take with her. 

Carvana charged my XXXX XXXX Checking Account {$690.00} on Saturday, XX/XX/XXXX. I canceled the deal on Monday XX/XX/XXXX and was told the {$690.00} shipping fee would be returned to my account. 

On XX/XX/XXXX I initiated another chat because the refund was not received. I was told by XXXX the refund was initiated and I should have in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX the refund has not been received. 

XX/XX/XXXX I initiated another chat and was told by XXXX he had to create a manual ticket for the treasury department to process and it should take another 10-15 business days. I inquired why the original refund didn't process and his explanation was " for some reason the refund was not processed ''. I told him I would be filing both a CFPB and a XXXX  complaint today. He ended the chat immediately.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I appreciate your time to remove some of the inquiries in my file that resulted from alleged identity theft but I have some inquiries left that need to be removed. Per FCRA XXXX XXXX you are required to remove any inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. 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.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WI)

Back in XXXX I ordered a product called XXXX - flexible blue tooth led screen. From XXXX XXXX XXXX XXXX. That evening I was informed by my bank that the transaction was denied for fraud protection reasons. So I requested it be canceled. Paypay.Inc of which I was going thru took it apon them self 's to process the order thru a back up payment option, which I did not authorize. I contacted them about it and they temporarly refunded me the amount for the purchase pending a review of the case. They said they contacted the seller and have since said the item was delivered and are requesting the money be sent back in return. I refuse to do this for the fact that to this day XX/XX/year> I have not received the product at my residence. I have worked for the US Postal Service for XXXX yrs and have search for this item and can see where it is said to be delivered but never has it showed up at my residence and my wife can vouch for that. It may have been delivered to the wrong address or stolen but I can not provide proof of that. 

Thank you
Consumer complaint received 2024-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (TX)

In XX/XX/XXXX, I purchased the home I currently live in with a XXXX XXXX. Shortly after, M & T began to service the loan. Since the inception of the loan, I have not paid property taxes, as I am a XXXX XXXX XXXXXXXX Veteran and are exception per state law. I have been XXXX XXXX XXXXXXXX for longer than I have owned the home. I paid no property taxes in XXXX, as M & T issued me a XXXX confirming the same. 

However, in XX/XX/XXXX, M & T sent a letter indicating I had past due property taxes and my payment will be increased to account for updated escrow. Again, I've owned the home XXXX months and have paid {$0.00} property taxes to included as part of my escrow- must be the exception... 

I called M & T bank on XX/XX/XXXX and told them that they have made an error. I advised them I'm a XXXX XXXX  XXXX veteran and do not pay property taxes in XXXX The representative on the call reviewed my file and the XXXX XXXX XXXX. She confirmed that she could see the exception on the XXXX and I should send over the property tax exemption letter provided by the county. Further, I was advised once provided, to call back and request an escrow analysis. 

I did exactly this. I submitted the property tax form with my account # written on it, called back on XX/XX/XXXX, and requested an escrow analysis. On XX/XX/XXXX, I received my mortgage statement, which still includes increase payment due to past due property taxes. 

Its clear I'm excempt, I have provided the paperwork, the county reflect the proper status, and I have performed all of the steps M & T has requested of me.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used by santander to run my credit an this wasnt the only time they ran my credit information without my consent I happened on XX/XX/year> an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My account was frauded with {$4000.00} in check fraud. I filed a claim and have not received any feedback from them regarding this matter. They still have my account showing a negative balance. I am only XXXX XXXX XXXX and just beginning my adult financial journey and I feel completely violated due to this event! They allowed someone to deposit fraudulent funds and withdraw those funds within 1 day in repeated transaction without employing any fraud prevention measures to stop this from happening. I have no access to my account and I have just left for college. I am not able to receive funds or transact any business and it is not fair for me to have this stress on me as I get started with my adult life. I am considering a career as a military officer post graduation and I am having to reconsider USAA as a choice to continue my banking at USAA now. They should be protecting my funds.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I have a XXXX yr old report about an account sent to collections from Affirm a financing company that I used to purchase a watch from XXXX. I have called XXXX deparate times. They billed me for about {$400.00}. I never received the watch. XXXX stated they never received an order. Please contact XXXX ( XXXX ) XXXX to delete this report. They have flagged my account and I can not use it.
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (TX)

Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with XXXX. The dispute with XXXX was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX told me to contact Select Portfolio Services in regards to getting my XXXX. No one seems to have been at fault in this XXXX 2nd mortgage scam. I filed a XXXX XXXX in XXXX which got rid of my 2nd mortgage and restructured the 1st mortgage. In XXXX or XXXX this XXXX  2nd mortgage popped up as XXXX XXXX and said I owed them {$120000.00} and they were foreclosing on my house. I called my 1st mortgage company they said it was a scam. I called the agency that did the bankruptcy filing and they said it was a scam. Then I received the foreclosure paperwork and I verified that the 2nd mortgage company can foreclose on my home so I paid the payment in the total amount of {$67000.00} because I was scared of losing my house. At the time Not knowing that they violated Regulation Z part of the Truth In Lending Act. I didnt receive any statements from XXXX or SPS regarding interest attached to the mortgage nor a statement or anything until I received foreclosure notice. The loan, shortly after I made the large payment was transferred to Select Portfolio Servicing Inc . I believe I was duped out of my life savings by this zombie 2nd mortgage which was wiped out when I filed bankruptcy. Proof of payment is attached
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MI)

Since XXXX of 2024, I have been attempting to resolve an issue with NewRez home loans. They placed mortgage lender insurance on my loan even though I provided proof that I had insurance and submitted to them. They admitted that they did not apply my insurance to my account. Since then my payment was increased without justification. They have stated that I have an escrow shortage which is not the case. I closed my account a year prior to their acquisition of my loan. I have called countless times ( no exaggeration ) and spoken to many supervisors who promised me they would get this handled. however, they never contact me back despite many threats to them that I would report this company for fraudulent activities.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

On XX/XX/year>, I, XXXX XXXX, using my cell phone made an online payment of approximately {$750.00} to my Citi credit card. The payment was supposed have been for the minimum payment amount due. Instead, a few days later, on my personal bank statement ( non-Citi ), I noticed a double charge amount, each for {$660.00}. At first, I tried to resolve the double charge via their online chat service, and the agent said that they were going to reimburse me within XXXX to 5 days. When I saw that Citi had not made any payment of the double charge, I called via telephone this time, and the Citi telephone representative first said that I " had no record of filing a dispute with them, or making a claim for the additional {$660.00} that Citi had overcharged '' me. However, he did see the double charge, and also said that they would reimburse me within 3 to 5 days. Well, it's been over five days now and still Citi has not either gave me credit on their credit service nor have they deposited the overcharge of {$660.00} to my personal bank account, This is why I have decided to write to the Consumer Finance Department, and to ask for help in solving this matter.