davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XX/XX/XXXX, I contacted what I believed to be XXXX to discuss some questionable transactions on my account. During the call, the representative instructed me to download an application called " Any Desk, '' claiming it would help identify the origin of the transactions. They then suggested the issue might be related to my Cash App account and proceeded to check for any fraudulent activity. 

Becoming increasingly suspicious, I transferred all the money out of my Cash App account into my XXXX XXXX  checking account and ended the call. Later that night, on XX/XX/XXXX, three unauthorized transactions were made from my XXXX XXXX  account without my consent. These transactions were in the amounts of {$98.00}, {$550.00}, and {$3800.00}, with the description " Payment Sent XX/XX/XXXX Cash AppXXXX XXXX XXXX CA. '' I sent a request to you and you found XXXX not to be responsible for the transactions. I would like to request that you contact Cash App and see if they can be held accountable. When the moneies were transferred out of my account to the description, " Payment Sent XX/XX/XXXX Cash AppXXXX XXXX XXXX CA. they disappeared. The money was not sent to my Cash App. I would think someone would be able to see where the money went. 

You can see on my XXXX XXXX  statement where I transferred funds form Cash app to XXXX. Then on XXXX  it shows I transferred it back out to Cash App, these are the transactions stating " Payment Sent XX/XX/XXXX Cash AppXXXX  XXXX XXXX CA. '' You can then see on my Cash App statement that I never received those transactions. 

The loss of this money has put a financial strain on us and it is hard to understand how that much money could just be gone. 
Given these circumstances, I urge you to thoroughly investigate this matter and take prompt action to resolve it. Thank you for your attention to this serious issue.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Momnt Technologies, Inc. (TX)

I was recently contacted by a lender called Momnt Bank, they claimed i had applied for some sort of home improvement loan i had no knowledge of. 
After i was made aware of this I requested all documentation and all signed agreements they said they had, I have yet to hear a response. I pulled my credit reports and noticed that the loan was fraudulently reporting on my consumer file on ( XXXX ). I have reached out to XXXX and was told to submit a Fraud affidavit and police report for Identitty Theft. This bureau has failed to block or remove the fraudulent account and now has damaged my consumer file and my credibility. I am seekimg damages under the FCRA immediately and this crime committed against me to be resolved.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

I disputed some unauthorized ATM transactions {$2900.00} since XX/XX/XXXX and my bank chase keeps denying the charges saying I authorized it I sent proof that I didnt and I sent a detailed report saying what had occurred before I saw the transactions but they kept denying me the money my bank manager called and disputed it but still the same outcome. Few days after I disputed the claim I put in another claim for {$400.00} which was a complete amount of XXXX I only got the {$400.00} back but was denied the {$2900.00}.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

So apparently, several bank accounts have been opened in my name that I wasnt aware of and all of the banks that were opened are closed due to negative balances so now I cant open a bank account anywhere. I was a victim of fraud since the year 2021 and I was young so I didnt think that it was serious but now I know how serious theft identity is, I cant open a bank account or take out a loan because of someone else actions. I currently dont have any documentation at the moment but I called a lot of banks that stated that I had closed account with them that were previously in the negative which includes XXXX XXXX XXXX XXXX chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Me and My spouse got XXXX we were both hospitalized my spouse for a longer time than me he was the head of the house hold he lost his job he was hospitalized for XXXX  months I had no job I was XXXX once he got out of the hospital i was already living at my parents house they were not giving me any more extensions at the apartment complex i could not afford to pay rent due to XXXX and XXXX XXXX XXXX and my spouse being hospitalized due to XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

payments were made by the bankruptcy courts to Nelnet on behalf of XXXX XXXX XXXX account number XXXX reference number XXXX the payments totals are {$12000.00}. After completing the bankruptcy and being released, the loan was transferred to SLOAN Servicing ( Account number XXXX ), however the payments totaling {$12000.00} do not appear on the Sloan Serving account and the balance on SLOAN Servicing is actually MORE than the scheduled plan for bankruptcy claim. The balance reflected for me to continue to pay after bankruptcy and making paments should have been listed to Sloan servicing as {$26000.00}. The loan amount that Sloan Servicing had listed for me to continue to pay did not equal this amount but is doubled. I was not supposed to be charged with interest, fines or penalties.
Consumer complaint received 2024-08-27
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 (TX)

Dear CFPB, I am writing to file a complaint regarding the mishandling of a dispute by Apple Card, which has resulted in the misappropriation of funds.

I previously purchased a phone from XXXX. After receiving the product, I found that the price did not match the value of the item, so I requested a return from the seller. However, the seller did not respond to my request. Consequently, I filed a dispute with my bank.

After the bank contacted the seller, the seller provided a return label. I returned the item, and the seller received it. The seller then asked me to cancel the dispute so that they could process the refund. 

Reluctantly, I contacted the bank to cancel the dispute. However, after I canceled the dispute, XXXX did not issue the refund. As a result, I had no choice but to request that Apple Card reopen the dispute. 

The problem arose when, after the dispute was reopened, I did not receive an adjustment to my balance. As a result, I ended up paying the amount in question, but Apple does not acknowledge that they collected the payment, and the merchant has not received the refund either, so they refuse to issue the refund. 

Today, I contacted Apple customer service again, and they still claim that there is no issue. However, I have indeed overpaid this amount. I request that your agency oversee this matter.

Ensure that you provide any supporting documentation or details when submitting your complaint to the CFPB. 

XXXX
Consumer complaint received 2024-08-27
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: CITIBANK, N.A. (DE)

On XX/XX/year> i received a call from Macy 's stating that i was past due on my account, which was incorrect. When talking with the rep she noted that i had made a transaction on XX/XX/year> for XXXX, which was the day that the statement was generated and issued for the month and due as of XX/XX/year>. Because i had a prior balance of XXXX on the account i didn't get a statement for the month and that in essence the charge that was done that day was showing improperly as past due. The same day i paid the balance of the account to the rep over the phone and she agreed that she would waive the late charge and fix the credit report for the negative entry. In XXXX, i noticed that my credit score had been marked as me being 30 days late and impacted negatively. I called back to Macy 's in regards to the issue, and talked to their customer service department to address the issue and explained the prior conversation with their reps, and what had happened. That unit said that they would have to put in a Request to research and fix the issue, and that the rep that i talked to originally didn't put in the necessary updates to fix it. After a couple of heated exchanges and multiple requests to be escalated to someone that could fix the concern they submitted the request to fix. As of today i received a notice from them refusing to fix the issue even though they had already agreed to do so and saw where i was in-fact never sent the billing statement. I have never been late with Macy 's neither do i hold balances with them, and because i don't keep balances i don't have a regular billing cycle to know when dates are due. It's ridiculous that after so many years of being a customer with stellar history that i can receive this kind of treatment and they not address it properly. I attached a copy of the statement that they are showing online that was never received the due date is XX/XX/year> it couldn't possibly be 30 days past due if i paid on XX/XX/year>.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Chase Auto Finance Attn : Opt-Out Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Opt-Out Request for Sharing Personal Information with Unaffiliated Third Parties NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear Sir/Madam, I hope this letter finds you well. I am writing to request an immediate opt-out from the sharing of my personal information with any unaffiliated third parties by Chase Auto Finance . I recently became aware that Chase Auto Finance has been furnishing my personal data without my explicit consent and without permissible purposes. This practice raises serious concerns about the security and privacy of my personal information. 

As a responsible individual, I understand the importance of protecting my personal data and maintaining control over how it is used, shared, and distributed. It is my right, under federal law, to control the disclosure of my personal information to third parties. Pursuant to the provisions stated in the Fair Credit Reporting Act ( FCRA ), Section 603 ( d ) ( 2 ) ( A ) ( iii ), I hereby exercise my right to opt-out of any sharing of my personal information with unaffiliated third parties. 

I respectfully request that you immediately cease sharing my personal information with any unaffiliated third parties, as well as confirm in writing that my opt-out request has been processed. Please be advised that failure to comply with my request may result in legal action being taken against Chase Auto Finance. 

To facilitate the process, I have included the required information below as follows : Full Name : [ XXXX XXXX XXXX XXXX Loan Account XXXX : [ XXXX ] Please ensure that all my personal information is removed from distribution lists, shared databases, or any other sources used for information sharing purposes with unaffiliated third parties. Additionally, I request that you remain compliant with all applicable laws and regulations concerning data privacy protection. 

I expect your prompt attention to this matter and request a written confirmation, stating that my opt-out request has been successfully processed. This confirmation should be sent to the address mentioned at the beginning of this letter. 

Thank you for your immediate attention to this matter. I trust that you will handle my personal information with the utmost care, respecting my privacy rights. I look forward to receiving your response within 30 days of the date of this letter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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: LAKEVIEW LOAN SERVICING, LLC (TX)

I spoke with my current loan company about a trial payment plan multiple times. I am in a 3 month trial to lower payments. I asked three different people if this program could affect my credit. I was told no by three different people. No where on their terms does it state anything related to credit impact and only after a month of starting this program would they even send me a statement which showed they wouldn't apply my payments and it had negative impact. This is unfair as I was trying to get all the information from this company before agreeing and I was made to feel like I was XXXX asking these questions. Lakeview Loan company is who I work with
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Jefferson Capital System ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist of Inaccurate Credit Reporting Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand that you cease and desist from reporting any inaccurate, false, or incomplete information regarding my credit history. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following information on my credit report : Account Name/Number : XXXX XXXX XXXX XXXX XXXX Disputed Information : This Debt was removed previously for incorrect reporting such XXXX account numbers and debt amount. 
The information being reported is inaccurate and misleading, and it is negatively affecting my credit score and financial standing. 

Under the FCRA, you are required to ensure that any information reported on my credit report is complete, accurate, and verifiable. I demand that you immediately conduct an investigation into this matter, remove the inaccurate information from my report, and confirm in writing that the erroneous entries have been corrected. 

Please consider this letter as my formal request to cease and desist reporting the above-referenced account information to any and all third parties, including creditors, lenders, or other financial institutions, unless and until the information is verified as accurate. 

If you fail to correct this issue within 30 days, I will consider further legal action to protect my rights, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking damages for willful non-compliance under the FCRA. 

I expect to receive written confirmation that the inaccurate information has been corrected within the legally mandated period. I also request that you provide me with a copy of my updated credit report once this process is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (FL)

in order to renew my home insurance, my insurance provider sent me a quotation to high for about XXXX I said " NO '', I contacted another insurance providers, They requested some inspections etc... ( I had to repair my roof etc ) and all this process took 2 months after my insurance expired. finally I got a premium for XXXX ( I don't have escrow account with rocket mortgage ). Due I di n't have insurance for two months rocket mortgage is charging a fee for XXXX Because they quoted a premium for around XXXX usd. and this is the problem. For me this is an abuse from Rocket Mortgage.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ARVEST BANK GROUP, INC. (MO)

XX/XX/year> I Called to have annual fee removed within billing cycle or period. Bank refused I closed my credit card account - company said they filled out a complaint form over the phone..no verification provided. 
Arvest Bank said I would still have to pay the cards annual fee even through cancelation. 
I requested to a supervisor was refused told ; We do not provide customers that. 
closed card over the phone only verbal no verification provided only : This account was closed asked several times over phone call. 
I was placed on hold twice told ; You used the card once in a year, yet was told before that on same call we can do nothing, So i was lied to at the onset of the call there are reasons to remove the fee- was told i have to pay the fee.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (SC)

Dispute with my bank and bank refuse to refund {$410.00} and Legacy credit refuse to refund no services have been done. This credit service never gave service they lied about services been done. Legacy continues to charge my account and my bank Truist refuses to refund my account and its clear I have been scammed. They lied that they contacted me and have rendered service. They refuse to send info showing they completed service like letters promised. 


Company : XXXX XXXX XXXX and XXXX Number : ( XXXX ) XXXX Truist Bank XXXX Supervisor fraud department
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I have requested my statements from XXXX - XXXX, they will only give me statements going back 7 years. The prior statements are housed electronically and I will have to hire an attorney to have MY STATEMENTS SUBPOENAED. I just want my statements and cancelled checks from XXXX - XXXX.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (PA)

I took out a {$3500.00} end of XX/XX/XXXX, I've made {$1900.00} in payments as of this date XX/XX/XXXX. I called to get my payoff amount today ( XX/XX/XXXX ) and was told it was still {$3400.00}. I told them this couldn't possibly be correct and was told they were sorry for the inconvenience, but I missed the " early payoff off discount '' that was in effect until XX/XX/XXXX. I was told that I could pay off this loan early at anytime but none of my payments other than a few cents have been applied to principle and the APR rate is an astonishing 170 %. This loan was taken out for a necessary car repair at a XXXX dealership. This is the very definition of predatory lending, the victim is in a high stress situation, and didn't fully understand that none of the payments would be applied to the actual principle even when paying off early after 4 months. Its insane that any company would accrue {$2000.00} in interest on a {$3500.00} loan in 4 months. No reasonable person would agree to this.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

An account was opened with Chase bank under my name. It was brought to my attention only when I tried to open an account recently. Once I found out I immediately contacted Chase and they're not helping nor responding to help me figure out what's going on.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Back on or about two weeks ago I submitted a dispute in the amount of {$540.00} against XXXX XXXX. And the PNC Bank Phone Representative assured me that if they dont hear from the XXXX XXXX within a specific amount of time the provisional credit of the disputed amount would be credit amount would be placed in my account. Well that time has passed and absolutely nothing has been done on PNC Bank. In the meantime they sends me this Dispute Form in the mail and expects me know their modern technology now this particular form is much different than the prior forms they had given me and this is done out of spite and envy