davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (AZ)

On XX/XX/2021, I signed a contract with XXXX XXXX XXXX ( XXXX ) for solar panels. XXXX said that they had their own loan company that they worked with and that they could get me qualified that afternoon. ( It was XXXX. ) Before the salesman left that day, I had a loan for {$47000.00} for a solar electrical system with Sunlight Financial, who passed it onto XXXX XXXX. ( I thought that this was odd. ) XXXX XXXX  later, XXXX came out and attached panels to my roof, all the time poking holes in my foam roof membrane, by setting the panels down on their edges and walking on hardware that they had scattered across the roof. After several bouts of trying to get XXXX out to fix my leaking roof, I called Addition Financial to see if they could put any pressure on XXXX. The contract that I had said that XXXX would be paid 30 % at signing, 60 % at installation and 10 % on completion. I was told that XXXX had already been paid and that they were not able to help me. I have since had to file a complaint with the XXXX and it has been determined that XXXX XXXX had not only had abandoned the job but that the XXXX  XXXX  that XXXX used to patch my foam roof necessitates replacing my whole roof. I have no panels installed on my roof, after XXXX XXXX years of leaking and now XXXX has gone out of business. And now I read that Sunlight Financial has filed Chapter XXXX. I have been on the phone for hours this week talking to people at Sunlight and Addition and all I have been able to find out is that an account representative has been assigned to my case and that I will be hearing from them shortly. I have not.
Consumer complaint received 2024-07-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I purchased a camera for my small business using a 12 month 0 % interest offer from comenity bank ( through XXXX XXXX XXXX XXXX ). I divided the total by XXXX so that I could pay it in full before the interest expired and paid XX/XX/XXXX of he amount early every month, never late. I paid the final amount due 5 days before the statement due date not realizing they made the 0 % due date before the final statement date. The 0 % date was XX/XX/XXXX and I made the payment on XX/XX/XXXX. It was listed in small print on the bill that the 0 % expired on XX/XX/XXXX, but I believe it is more than reasonable to assume I would have XXXX statements to pay the 12 months no interest. I believe they intentionally make the statement dates due after the 0 % offer expires so that people will have to pay interest fees. They charged me ( a small business owner ) {$970.00} interest. I also accidentally paid the final payment {$0.00} too short. I paid that as soon as I got the new statement and realized what happened. 
I called and asked for them to remove the finance charges and spoke to at least XXXX people on two occasions. I was told I had to request an investigation online through their messaging which I did. After a few months hey sent me a letter dated XX/XX/XXXX saying the charges were valid and the case was closed. My balance is now up to {$1100.00}
Consumer complaint received 2023-12-18
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 (IA)

I have multiple issues not enough space here to enter all the documents and evidence I sent to XXXX XXXX XXXX XXXX A fraud charge from XXXX. A rental that I have clear evidence and copies of emails from the owner who sent to us saying we dont have the rental and never charged us - but XXXX charged us.

2. XXXX XXXX XXXX charging us for a no show fee but I have evidence I was there on the exact date of agreement and the exact location and did rent and pay for the car. I submitted that evidence Goldman Sach / Apple more than once
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

A former Employee of First National Bank in XXXXXXXX, PA has accessed my account, taken pictures of statements after printing them out, and sent to her acquittances. I made a call to First National Bank in XXXX and informed Branch Manager of activities on my account that I did not approve of and emailed her screenshots of conversation. Investigation was made and former employee was terminated the next Monday. I would like to press charges as all of my information ( name, address, phone number, account number and routing number ) was displayed on all pictures. Below you will find the names & addresses associated with this event. 


First National Bank in XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX, a stop payment was placed on an ACH item, {$780.00} to XXXX XXXX, Due to an issue on end of XXXX, the payment was entered incorrectly, thus, stop payment had to be placed on end of TD Bank, XXXX  was unable to stop it on their end. The amount, {$780.00}, is double my current balance of {$390.00}, the payment date is also incorrect, date was supposed to be scheduled for due date on XXXX, errors on end of XXXX. On XX/XX/XXXX, a second call was made regarding stop payment, requested the stop payment either adjusted or second one placed, rep whom I spoke with, which I was on hold for over 32 minutes with, advised a second stop payment needed to be placed as a stop all amounts from payee or similar thereof. which she got a manager to waive fee ... This stop was needed to ensure the payee did not attempt other amounts, due to their system error.. The rep I spoke with today, XX/XX/XXXX, advised there is no such stop payment, only showed original stop payment placed on XX/XX/XXXX, claimed she showed a note from XX/XX/XXXX about fee waiver but no actual stop payment. Due to poor service received on end of TD Bank rep ( s ), I request item returned and any fees waived in association with item posting.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

XXXX XXXX has an account setup on XXXX XXXX as a Profit Share business partner with a luxury XXXX XXXX XXXX listed for rent. XXXX is aware of the account. The business owner advised if a security deposit of {$350.00} is sent along with photo of driver 's license and a reserved pickup time, car would be physically dropped off at desired location. After communicating with XXXX over phone, and through text, she advised to send security deposit of {$350.00} through Chime. After funds were sent, XXXX blocked my phone number and sent to voicemail. The incident was reported to Chime along with multiple screenshots of conversation and a police report was filed but complaint was denied twice.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (CA)

After being a victim of identity theft out of nowhere XXXX XXXX was calling me instead of cross-country mortgage although they saw said they sold my loan within two cross-country mortgage XXXX XXXX called me regarding making a payment halfway through the phone call I disconnected later months later to discover that on one of my credit reports it shows that XXXX XXXX Was my mortgage lender and my house was paid off or sold to them. 

It looks as though the cross-country mortgage did not notice my paid XXXX XXXX  bankruptcy from 20 years ago and they brought it back and foreclosed on my house illegally or or attempting to force me in To permanent modification in the amount of a XXXX  XXXX bankruptcy that is settled and paid saying I owe The The amount of of my XXXX  XXXX bankruptcy that has already been paid off as a second lien They have dispersed hazard insurance funds not applied mortgage payments on time so they were shown as returnedc but never refunded to my bank then those payments were sent twice but credited once, never canceled PMI insurance payments after 20 % of houses equity was paid. My house was inherited I own 75 % of it I put into an escrow account 25 % to buy my aunt out house was appraised at XXXX XXXX I took an only loan to buy my out fix my credit and refinanced with cross-country mortgage it wasnt until After I reported identity theft issues and asked who XXXX XXXX was did I start to have problems then suddenly cross-country was my mortgage broker again and they are trying to push me in to foreclosure when it was mishandling on their part with this other company that caused any debt or a lien on my home. I would like to file a lawsuit or get advice on how to do that if someone from CFPB can contact me please it would be greatly appreciated
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

I am having an issue receiving pre-approved offers of credit cards and loans from Citibank via XXXX XXXX, USPS Mail, or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
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: Pressler & Pressler, LLP (NJ)

I called Pressler, Felt, And Warshaw about XXXX months ago ( date unknown ) demanding they provide me the original bill of sale. They hung up on me. I filed a dispute claiming the debt was NOT mine. And they are now sending harassing letters multiple times a week demanding I pay or get sued and go to jail. Now when I call to try and settle this like they ask. They refuse to answer the phone. They threatened to take over ownership of my accounts. They threatened to put me in jail. And are now filing a lawsuit against me without me being able to defend myself. I need help.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC (CA)

On XX/XX/XXXX, I sent a letter to XXXX with documentation showing the inaccuracies between the 3 bureaus on XXXX XXXX XXXX, XXXX : in XX/XX/XXXX XXXX is Showing 30 days late/ XXXX is showing 60 days late/ TransUnion 30 days late XXXX On XX/XX/XXXX the dispute was opened and on XX/XX/XXXX, my dispute was UPDATED and completed with no changes even pertaining to the payment history only a change to the balance which was not even part of the dispute in question. This is a blatant inaccuracy and I am entitled under the FCRA a COMPLETE and ACCURATE credit report. If XXXX had done a proper investigation which I don't believe that they even did one, they would have seen this. Anyone with eyes can see this. XXXX DID NOT do a PROPER INVESTIGATION which is a FCRA violation I have yet to see the results of their investigation.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am trying to put a credit freeze on my account at Experian. I have tried for weeks now and the website always gives me an " irrecoverable system error '' and directs me to call them. However, the Experian phone system REFUSES to transfer me to an agent. I have tried for weeks and it is literally impossible to talk to anyone. I had XXXX issues with the other credit bureaus but Experian is the absolute worst. I want to put a credit freeze on my accounts but it appears to be impossible. I know this makes it easier for Experian to keep making money but this should be illegal.
Consumer complaint received 2024-08-05
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-02-12
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: HYUNDAI CAPITAL AMERICA (IL)

In XXXX XXXX XXXX  my Hyundai XXXX was totaled. XXXX and GAP coverage paid the balance on my financed vehicle less XXXX. I was made aware of this in XX/XX/. In XXXX a Hyundai representative called me and asked if I wanted to enter a payment agreement. 
I made a 6 month payment arrangement for {$250.00} a month But They Charged it off XXXX XXXX. My score was dropped tremendously. I called Hyundai and asked why did they charge off my account after I made a payment agreement? They said they didnt see what I was referring to and apologized for confusion. 2 years later its with a collection agency for the {$1200.00} I owed plus collection fee of approximately {$12.00} bringing the balance to XXXX. 
I settled for {$800.00} payoff on XX/XX/XXXX and XXXX collection agency sent the debt settlement letter to Hyundai.

In error Hyundai reported another delinquent payment for the balance of {$460.00} They claim they got the letter on the XXXX and updated the file incorrectly on the XXXX XXXX XXXXXXXX Causing my score to drop again. 

They also have been reporting late payments every month for a year to an account they charged off in XXXX. 

I have been calling for two years with no results and my score continues to suffer due to their negligence. 

I have documentation to support my claims if needed
Consumer complaint received 2024-08-04
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: JPMORGAN CHASE & CO. (TX)

I mailed a letter to JP MORGGAN CHASE on XXXX requesting a refund of {$13000.00} for the amount on my statement. CHASE ignored my request and is breaking the law per 15USC1666d. 

15 USC 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to acreditorin excess of the total balance due on an account, ( 2 ) rebates of unearnedfinance chargesor insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, thecreditorshall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by thecreditorand can not be traced through the consumers last known address or telephone number. 

Also per 18 USC 8 explains all debt is the obligation of the UNITED STATES. 

Since the obligation of debt belongs to the UNITED STATES and my account is in the positive/surplus, what and why is CHASE asking me to pay? 

CHASE is acting in bad faith and dishonorably!
Consumer complaint received 2024-08-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

XX/XX/year> Two Vanilla Gift cards purchased at XXXXXXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$150.00}. 
Late XXXX : {$100.00} Gift Card mailed and recipient opened the packaging ( that did not appear to have been tampered with ) and discovered the card had the last digits scratched off and was unusable. Same story with the {$150.00} Gift Card. 
XX/XX/year> Contacted number on back of card to report fraud. I was given two case numbers : XXXX ( {$150.00} ) and XXXX ( {$100.00} ) and asked to submit photos of the cards and receipt. 
XX/XX/year> Submitted two emails, one for each case number, and included front and back photos of the gift cards as well as the receipt for proof of purchase. 
XX/XX/year> Called for update on case. Was told to wait 30 days and I would receive something in the mail regarding reimbursement for the {$100.00} gift card for obvious fraud ( received nothing ). 
XX/XX/year> Received an email requesting receipt with a case number ( XXXX ) that did not match either of my original case numbers. I was told it was a mistake and they did, indeed, have the required documents. Then told to call back the next day after a certain time, so the case could be escalated since we were just shy of their 30 day requirement. 
XX/XX/year> Spoke with rep this morning and get varying different stories and time frames. One case is escalated, one is in progress, must wait 45-90 days, speak to supervisor, retell the same stories and having to help them find the errors ( wrong case number ) and misinformation given. Add to that every interaction is usually an hour in length, cut off ( back in the queue again ) and response scripted and not addressing the issues. I feel that this company 's ( which I see has numerous complaints ) focus is to wear the customer down, so that they do not have to address the fraud issues on their cards. Since I seem to be getting nowhere, I am hoping that your intervention will help settle this issue and
Consumer complaint received 2024-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank put hard inquires so many times and I call them 4 months ago and explain them about hard inquires and they clear hard inquires from XXXX XXXX ..but they didnt remove from XXXX. 
Capital one bank = XXXX XXXX Capital one bank = XXXX XXXX Capital one bank = XXXX XXXX Capital one bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA, XXXX .i want remove those inquiries from XXXX.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (FL)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I opened a Citi Bank checking and savings account on XXXX XXXX 2024 online. I funded my checking account with an opening deposit via check at the Citi Bank branch located at XXXX XXXX XXXX XXXX. This opening deposit was made via check for the which I deposited {$400.00} of {$1000.00} into my checking account. This was my second time at the branch cashing a check from the same insurance company ( XXXX XXXX check ). 

On XX/XX/XXXX I made a mobile check deposit in the amount of {$370.00}. The check was held until XX/XX/XXXX. Once it cleared I tried to use my card online and it was declined. I tried to use my physical debit card at a retail store. My card was declined. I went to the Citi Bank XXXX XXXX and I was told there was technical difficulties try again later. I did this for XXXX days to no avail. I called Citi bank on XX/XX/XXXX and was asked questions about the amount of the check deposited I confirmed that I deposited {$370.00}. I was told that within XXXX hours I would get an email about the resolution. I did not receive an email. I tried to log back in on the Citi Bank XXXX XXXX this time the app asks me to confirm information. I did and I was still denied access to my accounts. 

I called back XX/XX/XXXX and was told that my account was closed and there was no further information given. I was told that in XXXX days I will receive a check. 

Today XX/XX/XXXX I called Citi Bank customer service support and made a complaint and received a complaint number ( XXXX XXXX XXXX ). I also called the Cit Bank XXXX XXXX  to speak with a supervisor and make a complaint in which I was told that a complaint will be made on my behalf but that I could not receive the complaint number or any information. I also was not patched through to a supervisor. 


Every interaction I have had with Citi Bank has been via check in person and online with the same issuer ( XXXX XXXX ) who also holds an account with Citi Bank. When in person I can cash my check and walk out with cash. When I opened an account I funded my account with a check from the same issuer. When I made a mobile check deposit my account was closed. These payments are for XXXX XXXX payments and is having a significant impact on my health because I do not have access to my funds in order to buy medication, food, pay bills etc. 

I am requesting a review and that my account be reopened immediately. I am also asking that there be a penalty placed on Citi Bank for the unwarranted, unjustified and unreasonable closing of my account.