davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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: JPMORGAN CHASE & CO. (FL)

I opened a business card for my business XXXX XXXX. I closed the account on XX/XX/XXXX because I had to dissolve the business. This card was never reported to my personal account as it was a business card. I attempted to pay but also advised representatives that my financial status had changed and I wanted to set up a payment plan. They advised that since I was not past due... there was nothing they could do. Last week, I received an update from the credit reporting agency noting that my score decreased by XXXX points due to the reporting of this business card on my personal account as 60 days past due. I called Chase and was advised that " they can do that ''. I was also advised that they closed the account in XX/XX/XXXX which is untrue. I want this card removed from my account as it should not be there in the first place. I want someone to attempt to set up reasonable payment plans with me as I expressed well before it went past due that I needed help!
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION ()

My daughters are XXXX and XXXX and both have full time jobs, I was paying XXXX a month for XXXX of them. I saw the truth of the trusts and court wouldn't leave me alone so I quit my job to find the truth of the XXXX XXXX name. Once I realized I just ignore court orders or mail a dismissal which a lot ignore me and write bonds on my XXXX  anyway. XXXX XXXX sends me invitations for court suing me from the third party position and my daughters mom isn't calling them and asking for help, she's remarried living life. They're XXXX  with me, XXXX contacted my bank and sent them a notice of XXXX letter, no signature of a judge, no warrant just a direct violation of my Constitutionally Protected rights. Total subrogation of Common LAw. State Employees Credit Union Allowed the hold on my account which is what makes me madder than anything cause I've trusted them for years and instead of doing what is right or sticking to the law, they do what they want. Its wrong in every way.
Consumer complaint received 2024-09-22
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: CLGF Holdco 1, LLC (CA)

On XX/XX/year>, I login into my XXXX XXXX  account according to my current credit profile I have an offer for a few credit cards which Id apply for a Milestones Mastercard, on XXXX XXXX add it says higher credit limit. The fees is disclosed which is {$120.00}, after I submitted the application I surprisedly approved for a very low credit limit of {$500.00}. I wouldnt consider applying for these card with a fee of {$120.00} knowing is only {$500.00} credit line, with no chance of increasing the credit limit within 6 months. I called customer service to see if they can refund the fee, I was told theyre unable to refund the fee. This is not helping me at all its very hard to manage a very low credit limit Im practically just paying them {$120.00} to report my account to XXXX credit reporting bureaus. When I could have just apply for secured card at XXXX XXXX with {$500.00} deposit with XXXX fee. I am currently rebuilding my credit. In the past I had large amounts of credit limit but decided to closed all my credit cards. My husband and I are currently in the process in selling our current home and needs to apply for a home loan in a few months, thats the only reason Id applied for a credit card to raise my credit score which is credit is a scam in the first place.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under 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 instruction Also the credit bureaus took more tan XXXX days to complete the investigation i send them a letter on XX/XX/year> and never got a response and have mailed them more then XXXX times
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Business & Professional Collection Service Inc (PA)

I was contacted by a law firm that had my ssn and attempted to collect a XXXX XXXX XXXX debt the I co signed for. I agreed to a down payment of XXXX and XXXX dollars a month. Only later to learn that this was a scam company. 
The company name is : B & P XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

I am writing to submit an additional complaint regarding SoFi Bank, related to an ongoing issue I have already reported. My original complaint number is XXXX. 

My concern is that SoFi is relying on AI-driven processes to handle my dispute, which I believe is not being addressed appropriately. Despite clear evidence of fraud, SoFi has yet to resolve the issue, and I am convinced that if a human were thoroughly reviewing my case, I would have already had my stolen funds of {$1500.00} returned to me.

This situation arose after I received a text message from the bank asking me to confirm the charge. I immediately replied no, indicating that the charge was unauthorized, yet the bank still approved the transaction. I have since filed complaints with SoFi, CFPB and the XXXX XXXX, but the issue remains unresolved. 

This has left me in a severe financial bind, and I am asking for your urgent intervention to ensure that SoFi takes the necessary steps to handle my dispute properly, with the involvement of a human representative. I believe that their AI-driven system is failing to resolve this matter, which has had significant consequences on my financial well-being. 

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring this dispute is handled fairly and appropriately.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AFNI INC. (NM)

I got a letter from afni collections wanting XXXX dollars from me for an accident that happened last year and are threatening to suspend my drivers license if I dont pay them said amount they said they could do an installment plan for XXXX this was at the end of XXXX and said it had to be paid by the XXXX or they will suspend my license they have threatened me on the phone and are very rude I have written them a certified letter asking them to validate the claim and what I owe by 30 days and how I owe that debt I had a letter from them but it got destroyed in a house fire that happen recently where they stated that they would suspend my drivers license
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

To Whom It May Concern, I am writing to formally file a complaint against Citibank regarding a recent and troubling experience I have had with their services. 

On XX/XX/XXXX, I deposited a payroll check into my Citibank account. Shortly after, I found myself locked out of my account with no clear explanation as to why this occurred. I have attempted to reach customer service multiple times, but each interaction has been frustratingly unhelpful. 

Citibank has informed me that they need to conduct an investigation, which, according to their terms and conditions, could take 30 to 60 days. During this time, I have no access to my funds, leaving me in a precarious financial situation.

This level of customer service and lack of transparency is unacceptable. It feels as if my hard-earned money has been unjustly withheld, and I am left feeling helpless and frustrated. 

I believe that no one should have to endure this kind of treatment from a financial institution. I strongly urge others to reconsider opening an account with Citibank based on my experience. 

I hope the CFPB can help address this situation and hold Citibank accountable for their actions. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC (AL)

On XXXX I requested a payoff of my loan, and to my surpize they are charging me between XXXX to XXXX XXXX dollars more interest than I owe. I have made all payments on time ( XXXX & XXXX ) it appears that they are trying to stop me for some reason.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

On XX/XX/year>, I visited XXXX XXXX and withdrew {$1000.00} from the ATM, which totaled {$1000.00} after a {$5.00} fee. A few hours later, I attempted to withdraw an additional {$1000.00}, but my transaction was declined due to the withdrawal limit. At this point, I was tired and accidentally left my card in the ATM. I noticed a group of men standing behind me, which made me feel uncomfortable, so I left quickly and began the XXXXhour drive back home. 

Later that night, I received a text message from SoFi asking if I had made a {$510.00} charge at XXXX XXXX. I replied NO to this message, indicating that I had not authorized the charge. Despite this, SoFi allowed the charge to proceed, and upon checking my app, I saw XXXX separate {$510.00} charges totaling {$1500.00}. This sum was stolen from my account. 

I have several concerns regarding SoFis handling of this situation : 1. Unapproved Transactions : SoFi processed XXXX unauthorized transactions totaling {$1500.00} after I explicitly responded NO to their fraud alert text. 
2. Inconsistent Security Measures : I was denied a second ATM withdrawal due to a limit but discovered the fraudulent charges listed as debit transactions on my statement. This raises questions about why these transactions were allowed to proceed even though I had already reached my ATM limit and why they bypassed any security protocols.

3. Customer Service Roadblocks : SoFis response suggested that the transactions had to be mine, citing no transaction denials and that my PIN was entered correctly. However, I clearly experienced a declined transaction, and I noted that these individuals were observing me, possibly seeing my PIN. SoFi has restricted my ability to speak directly with the dispute team, preventing me from explaining the situation fully. 

The total amount stolen from my account is {$1500.00}, which represents a substantial financial loss for me. I urge CFPB to assist in ensuring that SoFi investigates this situation thoroughly, including reviewing why my NO response to the fraud alert was disregarded and why I am unable to speak with someone who can resolve this miscommunication. 

This has caused me significant financial hardship, and I am requesting a full refund of the stolen amount.
Consumer complaint received 2024-07-10
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. (NY)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2022-12-04
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. (WA)

Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My original car loan was charged off by Capitol one auto finance. My new settlement agreement was for {$3800.00} dollars. The new arrangement for {$3800.00} was to be paid in full before the end of the fiscal year. I made three payments. My first payment was made on XX/XX/year> for {$380.00}, my second payment was made on XX/XX/year> for {$680.00}, and my third and final payment was made on XX/XX/year> for {$2700.00} for a grand total of {$3800.00} dollars. At that time I was told verbally by the customer service rep that my account had been satisfied, my balance is XXXX, and that my title would be released as soon as the funds cleared my bank account. I was also transferred to the title dept in order to give them my XXXX account number so that my title could be sent directly to me in the most timely manner. ( The customer service representative is the one who informed me to payoff the account and to set up the XXXX account to receive my title ) and I still haven't received it
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

Account Name : Hunter Warfiled Original creditor : XXXX XXXX XXXX. 
Account # : XXXX Responsibility : Join With XXXX XXXX Date XXXX Original : {$510.00} This is nothing to do with me. I don't know who XXXX XXXX is. 
It must be a scam or Identity theft. This caused negatively on my credit score.

Please help me to fix my credit score and any issues with this.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

XX/XX/year> Sent a notice of rescission based on fraud, deception and extortion. I sent it via US mail service. I'm exercising My right for rescission of the mortgage corporation. 
I will attach the letter I've sent them with my explanation, with all the title codes and UCC codes. 
The amount would be how much money they made off of my promissory note and deed of trust, which is 10 times the amount of the asset on the deed.
Consumer complaint received 2024-09-05
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. (HI)

Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account number XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account Name XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account Name XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} Charge off. 
Account Name XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account NameXXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXX XXXX XXXX svcs Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account Name XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account Name XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$630.00}. 
Account Name XXXX XXXX, Account XXXX XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name XXXX XXXX XXXX, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

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 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I am doing all of this on my own.
Consumer complaint received 2024-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I recently paid enough on my principal so that I owe less than 80 % of the initial value of the loan. I asked to have my PMI removed and I was rejected without an appraisal of the current value of the home. 
After a lengthy discussion with customer service, they told me that I can only have PMI removed if I paid 20 % of the value of the home, which may only be determined with an appraisal. 
After escalation to the supervisor, I was told that my record is 700 pages long and they would have to get back to me. It has been several weeks and I still do not have a determination, but my online account still shows that I owe PMI on my next payment.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (KY)

XXXX XXXX, XXXX and XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION were made aware that the alleged mortgage was paid in full, that any amounts showing were in error, except that those amounts are owed to us, that the full amount to pay the alleged mortgage was tendered, received, and change or the item returned with Navy Federal failing to credit the mortgage account. We expressly disagreed with any sum showing as due from us. On XX/XX/2024 an amount was showing as due. We paid that amount showing due on XX/XX/2024. Please see the enclosed check. The scanned image from NAVY FEDERAL does not show .private.special deposit.entrust. which was printed in RED on the top of the check. The date says XX/XX/2024. The amount is XXXX XXXX real united states dollars as shown by the double line in the dollar sign and the wording XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX in united states dollars having the double line in the dollar sign. The account number ending XXXX was written on the face of the NFCU check. The check shows PAID IN FULL. It was tendered, accepted, processed and the account was PAID IN FULL again XX/XX/2024. There was no debt. The Teller confirmed that there were no payments due. We transferred funds into the NFCU checking account for a specific purpose to be used for education and to pay on the purchases. Social Security transferred money into the account. On about XX/XX/2024 Without our authorization, without our consent, NAVY FEDERAL Stole our money {$3400.00} in unlawful conversion and applied our {$3400.00} funds and Social Security funds to a mortgage that on XX/XX/2024 the Navy Federal Teller in XXXX Kentucky confirmed, nothing due, no name on Mortgage. The teller applied the funds XX/XX/XXXX to MORTGAGE HELOC XXXX  in another act of money laundering. The documents show PAID IN FULL XX/XX/2024. NAVY FEDERAL misapplied funds XX/XX/XXXX and caused harm to us in THEFT, Bank Fraud, Conspiracy to Deny Rights, Deprivation of rights under color of law. The XXXX  shows a R.I.C.O.  action with " payment '' on XX/XX/2024. We made no payment as no payment was due. XXXX and Navy Federal Credit Union conspired with XXXX XXXX and XXXX XXXX in a second predicate act of R.I.C.O. action under the XXXX XXXX.