davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (NC)

Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against JPMorgan Chase Bank regarding their handling of my XXXX issue related to my account. Since XX/XX/XXXX, Chase has removed phone numbers and email IDs from my XXXX, preventing me from adding any new phone numbers or email IDs. 

I have contacted Chase multiple times to resolve this issue, but their responses have been inconsistent and unhelpful. Initially, they directed me to contact XXXX XXXX, then XXXX, and finally XXXX. After spending several hours and escalating the issue to a high level, XXXX confirmed that Chase had placed a restriction on my phone number ( XXXX ). XXXX assured me that they had not imposed any restrictions and that the issue was solely with Chase. 

When I contacted Chases customer service team, they claimed there were no issues with my phone number, email ID, online banking, cards, or any other services. Despite this, I am unable to use XXXX through Chase. I even visited a Chase branch and spent several hours there, but the issue remains unresolved. The branch staff informed me that it could be system issue because i'm holding multiple accounts. 

XXXX has confirmed 100 % that the restriction is not on their side and that Chase has added the restriction due to a supposed policy violation. However, Chase has not provided any clear explanation or resolution. This situation has severely impacted my ability to conduct transactions, as I was supposed to receive money through XXXX but can no longer use the service. 

I am extremely frustrated with the lack of transparency and support from Chases customer service, online team, Chase XXXX support, and even their executive office. It appears they are trying to cover up the issue rather than disclose the real problem. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in resolving this issue promptly. I appreciate your attention to this matter and look forward to your assistance. 

Ref : Chase XXXX ID XXXX BBB Complaint : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NJ)

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account Inquiry XXXX My interactions with two customer service representatives, who appeared to be outside the XXXX, were XXXX by a distinct lack of transparency. They were unwilling to share their information, yet they demanded all of mine. I have complained with XXXX, XXXX # XXXX, and XXXX, XXXX # XXXX. 

I have also filed a complaint with the number XXXX and am eager to learn the outcome of these complaints. The actions of the customer service representatives are questionable and contribute to a fraudulent environment, potentially endangering consumers ' identities.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OH)

I have a Final bill for my car loan payment of {$440.00} due XX/XX/year> and I paid that bill on time Santander Consumer USA is saying that I was supposed to pay a balloon payment of {$1000.00} on XX/XX/year> I dont have a balloon payment sent up on my contract. Santander Consumer USA I feel has admitted consumer fraud and then they also reported to the credit bureau that I was late. When, in fact, I wasnt late. I paid what I was supposed to pay on time.
Consumer complaint received 2024-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (KY)

I bought a XXXX XXXX XXXX with SouthEast Toyota Finance. I had a XXXX XXXX and was out of work and openly communicated this with them once I was physically able ( Around XX/XX/XXXX ). I informed them I was out of work do to a XXXX XXXX and would be moving for a better XXXX XXXXXXXX as well as a better career. I informed them my first check would be XXXX, XXXX, XXXX and that I would start making payments to get caught up then. They said in exact words " Yes ma'am you are all sorted out! Thank you for being open with your communication and we hope you get to feeling better soon! '' They however failed to honor the verbal payment arrangement that had been made. They repossessed my car from my new residence within 2 days of me arriving to the location. When I informed them the entire reason they knew about the move was my calling and notifying them they then denied any evidence of this phone call on record. They have since taken my car and denied me my legal right to reinstate my loan even though this is my first and only ever repossession and I was open in communication. The company has been negligent in updated documentation such as address changes, phone calls and occupational changes. They were not even ensuring I was getting my statements and have been sending them to an old address after I called and updated my address back in XXXX. This being said they have been unprofessional, unfair and incredibly deceptive. Them taking my car has led to me having to pay for XXXX in order to not miss work as well as having to call them multiple times a day for weeks in order for them to try and treat me fairly to no avail. My car payment was not even {$4000.00} past due and they are requesting {$36000.00} within 48 hours for me to get my car back. At this point this is not just negligence ; but also threatening and discrimination.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is reporting late payments in XXXX 2024. I have sent copies from my account generated by them as proof payments were made. The minimum payment is {$250.00} I paid {$400.00} on XX/XX/year> and {$440.00} XX/XX/year>. Attached is my statement for XXXX and also XXXX. No payments were returned and I paid above the minimum payments, which is listed on the statement.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra (CA)

Plutus Financial Inc DBA Abra XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX A check was sent with my wrong last name on XX/XX/year> I sent dozens of e-mails to XXXX to correct the error in order to re-send me the refund with the correct name. Plutus financial sent a check with my email last name instead of my correct last name. Plutus financial sent the check wrongly addressed to XXXX XXXX. The check should be addressed to XXXX XXXX. I sent a certified letter to Plutus financial Inc DBA Abra with a copy of the original check, photo ID, CDL photo & a copy of e-mails I sent to XXXX. on XX/XX/year>. 
I have not received an answer except for the fact they keep telling me they don't know when the funds with the correct name will be sent.
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (RI)

To Whom It May Concern : I am writing to file a formal complaint against TD Bank USA, N.A. regarding the mishandling of my XXXX  credit card account ending in XXXX  and the subsequent small claims court action ( XXXX XXXX ). Key issues : Identity Theft : In approximately XXXX, my wallet containing crucial identification documents was stolen at a house warming party in XXXX, FL. This has led to ongoing identity theft issues affecting my financial accounts. 
Credit Protection Ignored : Despite having credit protection with XXXX and reporting events that prevented payment, TD Bank has charged off my account and is now attempting to collect the debt through legal action. 
Incorrect Name Filing : TD Bank has filed a small claims case against me, incorrectly listing my name as " XXXX XXXX XXXX '' when my legal name is " XXXX XXXX XXXX. '' This discrepancy is particularly concerning given my ongoing identity theft issues. 
Failure to Investigate : TD Bank has failed to properly investigate the identity theft claims and the complexities surrounding my financial circumstances. 
Attorney Unresponsiveness : TD Bank 's attorney initially agreed to review my situation but has since become unresponsive after multiple follow-up attempts over three weeks. 
Impact on Employment : The actions taken by TD Bank have contributed to employment issues, including being put on involuntary medical leave from XXXX without explanation. 

I request that TD Bank USA, N.A. : Immediately halt the small claims court action ( Case # XXXX ). 
XXXX a thorough investigation into my account, taking into consideration the documented identity theft issues dating back to 2006. 
Correct all records to reflect my full legal name : XXXX XXXX XXXX. 
Honor the credit protection agreement with XXXX. 
Offer a reasonable solution that takes into account my circumstances, including the possibility of account rehabilitation or settlement. 
Provide a written explanation of how my account will be handled going forward. 

I am prepared to provide additional documentation regarding my identity theft situation if needed. I look forward to your prompt response and a fair resolution of this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I am getting a alert about Caine & Weiner on my credit report and I have no idea how this fraudulent account is with this company exist. I have attempted to resolve this issue with the company on several attempts and they have failed to respond or assist me on several attempts!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TRANSUNION continues to furnish 2 inaccurate unlawful past 7 years XXXX loans accounts in Collections. TRANSUNION was informed of XXXX day of delinquency XX/XX/2017 but willfully neglected to remove pursuant to CFR 605 ( a ) ( 4 ) ( 5 ) ( c ) 1.

Transunion is also preventing me from obtaining a Consumer report with them and annualcreditreport.com. 
Student loans accounts are being furnished by Fraudulent identity theft. I have attached a copy of the FTC affidavit as proof that the aforementioned XXXX loans accounts are the results of Identity Theft and Fraudulent
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: P&B Capital Group, LLC (OH)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I was awaken out of my sleep from a text message from a creditor. The creditor P & B LLC contacted me via text messages outside of normal operations.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (FL)

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.
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Pursuant to legal code US 15 1692, the alleged debt from XXXX XXXX XXXX, XXXX is a misrepresentation to a consumer that should be eliminated immediately. Pursuant to legal code, 15 US 1681, an accurate and fair evaluation by credit report agencies should not report the alleged debt. Additionally, the attached legal judgement was entered into against XXXX XXXX XXXX, XXXX on XX/XX/year>, dismissing the action for non-payment of rent without prejudice.
Consumer complaint received 2024-09-20
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: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX and it does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ). As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please confirm in writing that the inquiry has been removed.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and a copy of the certified mail receipt ) I received an envelope from XXXX XXXX XXXX on XX/XX/XXXX. The contents had nothing I requested. 

I received a debt collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from Crown Asset Management, who is the sole owner of this alleged debt.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc. (MN)

On XX/XX/XXXX, I requested a peer funded loan for {$550.00}, with fees and tip, I would be responsible for a {$670.00} repayment on XX/XX/XXXX. 

{$550.00} was confirmed and the funds were deposited into the Solo XXXX XXXX. I made multiple attempts to withdraw the {$550.00} to my checking account, normally an easy process. The transfer, despite a confirmed account, would not process. 

I then contacted Solo about this, and I got the same messages, that they would escalate the issue. 

Four days ago I started to receive repayment reminders for the the {$670.00} to be withdrawn on XX/XX/XXXX. Since I was not able to close the Solo account or cancel the loan, I contacted Solo and told them NOT to withdraw the {$670.00} since I could never access the {$550.00} due to their banking and app problems. They responded that they would do everything they could and once again said they were unable to close my account since there was an active loan. 

The {$550.00} is still sitting in the solo wallet. Today, Solo withdrew {$670.00} from my bank account. 

Ive reached out to solo to return the goods, multiple times today. Ive been stuck in a we are trying to help, chat, where they ask me to wait a couple minutes. The chat app claims they are human, XXXX. 

I understand they are being investigating for mis-representing fees, etc I just wanted to file a complaint about their theft of funds.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (LA)

On XX/XX/year> I received a text message from sofi bank to claim my XXXX bonus and I knew it wasn't true and then my account was cleaned out of XXXX $ to an XXXX XXXX! I immediately contacted the bank and they said they were investigating it and now they are saying they are not giving me any money back because I committed fraud and they are closing my account!
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding a serious issue with my checking account. My account, which currently has a balance of {$6700.00}, has been frozen without any clear explanation. Despite numerous attempts to resolve this matter directly with SoFi Bank, I have been given the runaround, and the issue remains unresolved after several weeks. 

The funds in my account were deposited through a direct deposit from my daughter, XXXX XXXX XXXX company. This money is intended to cover my living expenses for this month. I have provided SoFi Bank with all necessary information, including my daughter 's contact details and her employer 's contact information, to facilitate the verification process. However, despite my efforts, SoFi Bank has not taken any steps to resolve this issue. 

This situation has caused significant financial stress and inconvenience as I am unable to access my funds to pay for essential living expenses. The lack of action and communication from SoFi Bank is completely unacceptable and feels like a violation of my rights as a consumer. 

I am seeking your assistance to urgently investigate this matter and ensure that SoFi Bank takes the necessary actions to unfreeze my account and allow me access to my funds. This delay and lack of resolution is not only unacceptable but also feels akin to theft, as I am being denied access to my own money. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

On XX/XX/year> aprox. XXXX EST, I spoke with XXXX XXXX ID # XXXX ) requesting financial hardship assistance. I was looking for payment deferments as well reduction in payments. XXXX took some information and ran it through his system and advised no programs were available, when I asked for more details and parameters for their hardship programs he refused to provide them. When I asked to speak to a manager he put reluctantly put me hold for a long time then told me no one manager was available. Im assuming he put me on hold for a long time hoping I will hang up. He then said call back at XXXX, which was the number I called to speak to his department. When i asked for a direct number to a manager, he rudely hung up the call.