davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CT)

I opened and account with UFB DIRECT A PRODUCT OF AXOS BANK. 
In XXXX XXXX. CA. 

I mobile deposited a Check amount {$100.00} made out from my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX For Bereavement, the Check cleared in there 5 days holding period. I had a problem with a second deposit with a mobile deposit they closed my account. I requested my balance of {$100.00} to be mailed to my address I was told i will have the check between 7-10 days, I waited two weeks before i called them to check on why i have not received the Check, they put me on hold for a while and the representative told me that they told her to tell me that they was still trying to verify the Check. I told her it has been two weeks and i no the check was cleared and my Pastor told me it was cleared, The Representative was very rude and unprofessional.I just want my Funds in the amount of {$100.00}. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX 
XXXX
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PA)

The Citi AAdvantage Credit Card offers, like many of their cards, pay over time plans. These plans do not incur interest at your normal card rate but do generally include a plan fee. 

Their site is advertising a plan fee of " - '' implying that the plan fee is {$0.00}. They do have an asterick that this fee is included in the plan monthly payments. The wording implies that the fee noted ( in this case {$0.00} ), is what is included. However, if you multiply out the payments * months, it clear that there is a fee and the payments made over time will be greater than the current total. 

This is at best a site glitch and at worst false advertising.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I paid off a personal loan in advance for the amount of {$11000.00} via XXXX XXXX which was received by USAA XX/XX/24 by overnight mail. We I contact the USAA representatives, I keep being told that the check is in the mail. It has been XXXX days and counting waiting for the refund check of {$1100.00} according to their calculation.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (IL)

Recently, I did an investigation of my credit report and found several items to be inaccurate. 

Under 15 U.S. Cod 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 

It is my understanding that you will reinvestigate to ensure accuracy. 

XXXX : Account : XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX : Personal Information : XXXX MXX/XX/XXXXXXXX Employment : XXXX XXXX Bank Addresses Reported : Hard InquiriesXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX : XXXX XXXX
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

My name is XXXX XXXX. I was married to XXXX XXXX XXXX, not legally, but I was his partner/wife for over XXXX years. 

XXXX recently passed away on XX/XX/year>. As his XXXX XXXX and XXXX I've been handling all his affairs. 

Any bills at the time of my XXXX XXXX  death are still being paid by his XXXXXXXX, XXXX XXXX XXXX 

There was no life insurance and nothing to probate ; we shared a home together and paid expenses together for over XXXX years. 

Some accounts were joint accounts, some were not, but we both had full access to all accounts. 

I was given the TD Bank debit card and pin by XXXX XXXX XXXX in the event that something would happen. 

There are XXXX loans remaining : {$14000.00} and another one for {$11000.00}. 
The cost of the ambulance was around {$4000.00} that took XXXX to the funeral home. 
There is no headstone on my husband 's grave yet, but the cost is {$3700.00}. 
The funeral cost was {$18000.00} and there were other bills solely in XXXX 's that XXXX XXXX was paying for. 

All money owed that was solely in XXXX XXXX XXXX 's name is currently being paid by his partner and wife, XXXX XXXX ; nothing is outstanding or late. 

The TD checking account has been frozen, and I'm unable to access any money. The only money that my husband/partner had was the money in the TD checking account. 

I, XXXX XXXX, have the death certificate, funeral receipt, and proof that I have been paying other bills that were just in the partner/husband 's name only. 
I need the account TD checking unfrozen.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

XX/XX/XXXX I noticed my checking and savings account with Sofi bank is restricted. I havent been able to pay my bills, receive my direct deposit, or zelle payments, and Ive received notification from a lender that my auto payment didnt go through. I have no gas in my car. I have more bills due in a few days and the agents will not give me any information. I am told I have all the information I need to know and they hang up on me. I need access to my funds. I am a small business and my payments go directly into my bank account from square and I am not able to receive any payments. They are holding my money. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I've NEVER done business with PORTFOLIO RECOVERY, from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that PORTFOLIO RECOVERY provide proof of this alleged debt. Proof meaning the ORIGINAL APPLICATION, CONTRACT, NOT SOME COPIES THAT THEY RECEIVED BUT A INSTRUMENT BEARING MY SIGNATURE WITH PORTFOLIO RECOVERY. In addition please provide the contract signed between PORTFOLIO RECOVERY AND XXXX  XXXX ; a notarized and sworn under penalty and perjury for PORTFOLIO RECOVERY to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not creditors, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are able to collect debt that aren't theirs. They are being Etymology non compliant. This is inaccurate reporting! According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report 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.. 

Please look into this!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I have had an account with chime for about 3 years now. I have direct deposits regularly from my husband and I. My husband was given a paper check for a weeks worth of work and chime absolutely would not accept it. I then had a refunded check from an unused money order and they would not deposit it either. This is absolutely ridiculous. I have talked to them until Im XXXX  in the face and they are not willing to understand that it is a check and not a money order even though it clearly states check at the top of it and came with a stub. Im done with these idiots.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

Promotional deferred interest ended on XX/XX/year> I believed deferred interest meant the interest would begin monthly after the promotion ended Additionally, the interest was exceptionally high for a person with good credit standing 29.9 % interest was misleading and never explained Received a bill with an interest rate accrued at {$6600.00} Contacted the company XXXX on XX/XX/XXXX to see about paying the original amount of {$14000.00} The company representative told me the I should not need to speak with a supervisor as the statement was correct and a supervisor would tell me the same thing she was stating. 
The call was dropped or hung up me I called back and was able to speak with a supervisor the supervisor only gave me a address to contact... I had to ask for a case number Never received full credit card terms of interest and did not understand the full repercussions of the terms This is predatory leading and should be illegal
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (TX)

I have repeatedly since XX/XX/XXXX tried to get this account to show the payment made on our account on XX/XX/year>. You have reached out to XXXX XXXX card showing the account was in fact paid in full. I spoke with XXXX today with badge number XXXX. He is a supervisor with XXXX XXXX He in fact said on a recorded call that it was paid in full ; he shows a XXXX balance and that he would after I sent in writing proof, I paid it escalate it to show paid. 

I do not believe as a consumer I should have to keep reporting proof to them it is in fact paid in full. This account is hurting us being able to get a home. It has taken almost 4 months and 2 complaints to you to get them to update on XXXX and XXXX, XXXX has not been updated and after speaking with them said the last communications with PCB was May 0f XXXX
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I tried to reach out to get both accounts opened back up. Capital one told me my account was subject to fraud even though Ive been a customer with them for XXXX years. They closed my account and a month later they report my credit being XXXX days delinquent. XXXX. This is preventing me from getting a home loan at this time. Im willing to take this matter to court. I want to settle this matter with simple.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (AL)

I am disgusted with your business practices. I have received several different yearly Escrow Account Disclosure Summaries within 45 days ( XX/XX/XXXX, XXXX and currently XX/XX/XXXX ). On XX/XX/XXXX a Escrow Account Summary indicating a payment increase because there was a shortage. Notice on XX/XX/XXXX you indicated my home insurance was annual payment was {$1200.00}. Then notice where it says CHANGE {$3100.00}. This is an invalid change my annual home insurance is {$1200.00}. Please examine your records. This attempt to scam my insurance amount is fraud on your behalf. I am disgusted every year your company tries to raise the monthly mortgage amount through deception. I am tired of your illegal business practices. I have a fixed interest rate and the only reason to raise my monthly payment is an increased in insurance payment. I have called and spoken with my mortgage insurance ( XXXX XXXX ) and the annual payment is {$1200.00}. You have lied and tried to cause me distress and harassment. The {$3100.00} is erroneous. Then on XX/XX/XXXX if you notice where it says PRESENT & CURRENT LOAN PAYMENT you state {$770.00} is Principal & Interest and then observe the escrow summary on XX/XX/XXXX you have the Principal {$230.00} Interest {$480.00}. ( Observe XX/XX/XXXX escrow summary ) I pay escrow of {$200.00} monthly which totals {$2400.00} for the year, then you say there is an escrow shortage this is inaccurate ( {$180.00} ). My home insurance is {$1200.00} a year which leave in escrow {$1100.00}. Where did the shortage originate? What is the accusation for this {$180.00}? Therefore, I gather again your business practices are dishonest fraudulent, dishonest, and deceitful as well as inaccurate. You have my home mortgage, and you want to just fine a way to get more money from me. I feel threatened and maltreated by your business practices. I live on a fixed income, and you know this. Which leads you to determine I will not be able to pay my monthly note and I foreclose, and you gain the property. This is a deceitful and deceptive ploy to gain my property. Then you demand I pay on this XX/XX/XXXX. It has not been determined that calculations are correct. Loandepot has proven to be prevaricators, deceivers, and falsifiers. I will pay what is corrected monthly payment of {$970.00}. 

I implode you to support me in fighting this conglomerate business so I can obtain my rights.
Consumer complaint received 2024-09-14
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: DISCOVER BANK (CA)

Need Immediate Assistance with Fraudulent Charges and Account Resolution I am submitting a complaint against Discover regarding the mishandling of my account following a robbery and data breach that compromised my personal information. 

Recently, I spoke with a representative concerning being recharged for reversed fraud charges amounting to {$8700.00}, which had already been paid. When I initially contacted Discover to report the robbery and compromised information, they did not initiate a fraud dispute. Instead, they filed a billing claim and categorized all charges fraud under a general claim without properly distinguishing which charges were fraudulent. 

Discover has not reviewed any transactions with me and has failed to confirm which transactions are fraudulent and which are legitimate. Furthermore, they resumed charging me for transactions I had already paid, leading me to stop making payments entirely, which has resulted in the accumulation of fraudulent accounts and a past due balance. 

I have previously submitted a complaint through the CFPB, but it has been closed multiple times without resolution. I urgently need someone to reach out to me so we can review my transactions and resolve this matter, allowing me to reopen my account. Prior to this issue, I consistently made my payments on time and had never missed a due date. 

As a victim of a data breach, many of the fraudulent charges are digital in nature. I request your assistance in addressing this critical situation as soon as possible.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Consumer Financial Protection Bureau ( CFPB ) regarding issues with TransUnion 's credit scoring practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against TransUnion for Unfair Credit Scoring Practices Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding what I believe are unfair and inaccurate credit scoring practices that have negatively impacted my credit report and score. 

When XXXX XXXX was removed from my credit report between XX/XX/2024, and XX/XX/2024 TransUnion took XXXX points from me.when negative accounts are removed your scores are supposed to go up. Between XX/XX/2024, XX/XX/2024 an Fraudulent hard inquiry was removed from my credit report. Hard inquiries are worth XXXX points. All of my accounts are in good standing. Our credit system is broken. I've also noticed when you file a complaint against these companies, I fill that they are retaliating against consumers and that's not professional at all. I'm uploading screenshots so you can see what I'm talking about. 


The impact of these practices have had an negative impact on my creditworthiness and ability to secure loans or credit. 

I have attempted to resolve this issue directly with TransUnion such as disputing inaccuracies, contacting customer service, etc., but have not received a satisfactory resolution. 

I believe it is essential for credit reporting agencies to uphold fair and accurate reporting standards, and I urge the CFPB to investigate these practices to protect consumers like myself from any harm caused by inaccuracies and unfair scoring. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may provide. 

Sincerely, XXXX XXXX XXXX If this matter isnt resolved myself and my Attorney are taking the next steps
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Eastern Account Systems Account number : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.4. Proof that the original creditor securitized the debt.5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice 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 ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Contacted company and told them that I was removed from property. Person at property continued to use services. Informed people at property to allow company to remove equipment. They never did. I have not lived at property in over 3 years.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Eastern Account Systems Account number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Your NAME : XXXX XXXX Your address:XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX 

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.4. Proof that the original creditor securitized the debt.5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors