davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: Academy Mortgage Corporation (CA)

I seen two recent hard inquiries on my XXXX report that I did not authorize. I ask XXXX to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was XXXX XXXX XXXXXXXX, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. XXXX have employees letting creditors check credit report without alerting the consumer.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Catalyst Mortgage Inc. (TN)

A representative from Catalyst Mortgage Company TN lender ID XXXX, sent a text message notifying me that they knew my credit report had been pulled. I have not conducted or solicited any business with this organization. This was an unsolicited message to attempt to get me to apply for a mortgage with their company.

How did they acquire access to my credit report without my consent?

How were they alerted that I had applied with another group?
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (GA)

I am shopping around in an attempt to refinance my home and use some of my available equity for home improvements. The closing cost on my refinance were quoted at over {$17000.00}!!! I thought that this was an excessive amount and way to diminish the equity I'd worked so hard to build. This reduced the amount I would be able to borrow and with the increase on interest rates made it impossible for me to afford to refinance at this time. I have a son who graduates from high school next year and was also looking to borrow money to send him to college. I don't think that it's fair for me to have worked this hard all my life to see my wealth sliding through my fingertips with excessive pricing, fees, and rising cost on everything except wages. This is one of the main reasons I can't I'm good conscience vote for the Biden administration again this election season
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kikoff Inc. (TX)

I originally applied for a XXXX secured credit card from this company. I was told that I needed to make a payment of XXXX dollars to receive this card. I never received the card the following month I was billed another payment for the amount of XXXX dollars I paid that still waiting for the card to arrive never received it then I received a email demanding that I pay another XXXX dollars are they would report to the credit bureau so I paid them again and still never received the card. Then I stopped paying them because I discovered that it was a scam then that's when the threats starting coming to me by email saying they would report to the credit bureau and they did. My credit score has decreased tremendously by this company reporting missed payments and I refuse to keep giving them money for a card that I never received. I've attempted to contact them multiple times and they email me back saying that they have no live agent that I could speak to about this situation. They are a scam and they need to be reported to the BBB and the federal trade commission
Consumer complaint received 2023-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NV)

I have been trying to get a hold of this company for months because they never sent me my account information. No email, mail, or call. It was opened via XXXX, and I bought a few items. I have tried over XXXX times over the last XXXX XXXX months to get a hold of a human and have been unable to do so until yesterday. Their automatic link does not work to set up account access, so a human was the only way. 
XX/XX/XXXX. 2024, I was finally able to set up my account, but now I have XXXX late fees. They reported me to all XXXX  credit bureaus and are unclear about how to fix it. I was on hold yesterday for over XXXX hours and was disconnected. I called back today and was able to get a hold of a person again, but it was unclear how they would fix this. They reversed XXXX fee, but my credit is affected, and another fee still sits against my account. This is a 3rd party company that is not able to fix their mistakes. The email attached was sent today ; their first correspondence was only after I could finally set up my account yesterday.

I need help, please. 

Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (KY)

I have been trying to close my CD with Webster BankXXXX XXXX for about 7 days, within the stipulated time upon maturity, and I am being given a run around. The customer service reps XXXX in my first call on one call XX/XX/year>, asked me for the last 4 of my SSN, address on file and my account number. I gave him the info and the last 4 of my account number, to which he wanted to get a full account number. I asked him to help me locate it since on the onlne banking only the last 4 are visible. He didn't help, when I asked to be speak to his supervisor, he hung up on me saying that I was being aggressive. I looked up the website and upon figuring our my account number, called again. This time, a lady CSR, " XXXX '' verified me, although this time she stated she was able to verify me with just the last 4 of my CD #. However, without stating a reason, she said she wont be able to help me close my account and asked me send request via their website 's " Secure messaging '' - which I did. After 3 days, I received a response to my " secure messaging '' account, asking me to contact customer service on phone again. 
Still CD funds are held. I opened up a complaint ( # XXXX ) with FDIC, and they referred me to CPFB. There seems to be several consumers affected by this bank at ( attached file ) : XXXX XXXX XXXX XXXX  XXXX Please help. I think the bank advertises attractive rates on websites like XXXX, and then dodges the consumers to be able to close their CD, and holds on to the money as long as possible
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC. (CA)

They contact from text. I told them that I do not want to receive text messages from them, but they informed thats its not up to me and they have a legal right to do so whether I like it or not. 

I informed them that this debt has been paid I emailed proof to them like they asked but keep make threats for lien against my property.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Dear CFPB I am writing to file a formal complaint against CAPITALONE for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801-6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, CAPTIALONE has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with CAPTIALONE, to no avail. Therefore, I am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that CAPITAL ONE be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-12-08
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 seven 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (MO)

I have contacted this company many many times, I just turned XXXX in XXXX of XXXX  which makes this debt one illegal and 2 I have no clue about it I asked for the debt validation letter and they sent me some other dudes debt letter they have ignored the request and I am about to file against them if this matter isnt resolved, there also falsely reporting on my credit changing the balance back and fourth to hurt my credit even more, I have offered to pay the {$9.00} they claim I owe but wont take anything but a money order and I have no way of getting a money order to them. They also keep calling me XXXX I have no clue who that is and also sent me someone elses credit information. This is absolutely illegal and disgusting to do to a XXXX XXXX XXXX. this is gon na have to be the 3rd agency Im gon na have to file against over {$9.00} dollars. THATS literally insane and I literally just turned XXXX  how would I have debt from 2 years ago? Not possible. All they send me is payment history and loan agreement past that they refuse to even provide documentation.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (NC)

I took out a loan for furniture for first American finance in XXXX XXXX XXXX. We set up to do auto pay on the bi-weekly payments. The dollar amount was set. I fell behind in payments. I contacted them. Let them know not to run my payment until the following week. 
From that point on, over XXXX months, They tried MULITPLE times per day to run my card. They also tried multiple dollar amounts. My bank kept assessing my charges. I explained this to them. I sent them copies of the attempts and asked them to reimburse me the fees for each of the non-authorized fees. They sent me back a copy of my contract. They did not acknowledge that they kept trying to run my card. Some days it was XXXX and XXXX times a day. 
when I spoke to the manager, he said they are allowed to use it " by any means possible '' to get the money owed to them.

At that point, my bank closed my account. l stopped trying to pay until they reimbursed me the fees that they caused, without my authorization
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

MY NAME IS XXXX XXXX. I AM NOT A 3RD PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THESE NEGATIVE ITEMS BE REMOVED FROM MY CONSUMER REPORT.

I recently discovered that a collection account had been added to my credit report that I have no knowledge of. SEQUIM ASSET SOLUTIONS has unlawfully reported fraudulent accounts that arose from identity theft. My identity has been stolen and. you are hereby put on notice. I am demanding these accounts be DELETED and BLOCKED form my credit profile pursuant to 15 U.S.C. 1681C-2. The Fair Credit reporting Act 15 USC 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies which are found in section 623 of the FCRA, 15 U.S.C. 1681s-2.

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition the furnisher must notify ALL credit reporting agencies that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
I have attached an FTC identity theft report and a Notice to furnishers.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.
Consumer complaint received 2024-06-03
Product: Credit card — Store credit 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: CITIBANK, N.A. (CT)

My account has had numerous fraudulent charges and Home Depot/citi card does not do their part in correcting the situation Thus far they have charged me interest and have filed late charges on my credit report that arent because of me They have screwed up my credit score I make my payments and homedepot/citi card pay off the fraud charges with such payment Then they continue to XXXX me by wanting more money than what is due Since I have promotional balances with set expiration dates sort of pointless at this moment I now have late payments on my credit score because of them I need this to stop already their third world employees dont even understand English so how can they address my issues correctly please help in fixing my current issue with this company I believe their system has been breached and my account was one of them I have been fighting this issue since XXXXXXXX XXXX XXXX  the company does nothing to correct it but over charging me fees they do not want to refund me the fees owed to me I should be entitled to all fees reversed since the problem is on their end not mine Their response to this is we cant do anymore fee reversals again this is not my problem So now Im being screwed over again On top of the hackers hacking my account I feel homedepot /citi is hacking me for extra funds
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

There was a hold in the amount of XXXX in my Chase Checking account by XXXX XXXXXXXX XXXX XXXX XXXX I went to court on XX/XX/2024. The hold was removed by the Judge of the XXXX XXXX, Kentucky due to the evidence that I had submitted to the court. When I received the court order, I took the order to the Chase Local Branch and the bank official faxed the order to the Chase Legal Department. I was informed by Chase Bank that the funds of XXXX, would be released from my Checking account in two business days After three business days,. I checked my bank account and they had sent the XXXX To the XXXX XXXX attorneys. I contacted XXXX a non-profit law firm, who is helping XXXX XXXX like me. The only income that me and my wife has is Social Security and her retirement pension. The is illegal to take this money from me and my wife which incomes are protected by Federal Law. They still took this money after a court order informing them, that they can not do this. I called the Chase Bank legal Department and they said that they had not received the court order and I was there, when the Branch Office faxed it to them. The Chase legal Department said it was my problem and they had no control over it. This was a legal court order. I have a copy of the court order for your review. Thank you so much for your attention and consideration in this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am writing to you regarding an issue with my Citibank account that has negatively affected my credit report. I recently discovered that my account with Citibank has been closed, despite never having been late on a payment. Additionally, there have been multiple unauthorized transactions on my account, all of which I have promptly disputed. 

I have made numerous attempts to resolve this matter with Citibank directly, but unfortunately, I have not received any response or assistance from them. As a result, I kindly request your assistance in investigating this issue and correcting any inaccuracies on my credit report. 

I have been a responsible borrower and have always made timely payments on all of my accounts. It is disheartening to see my credit report affected by circumstances beyond my control. I believe that this incident does not accurately reflect my creditworthiness and would greatly appreciate your help in rectifying the situation. 

I understand that goodwill adjustments are made at your discretion, but I hope you can consider the extenuating circumstances surrounding this matter. I am committed to maintaining a positive credit history and would be grateful for any assistance you can provide in resolving this issue. 

They have never reached out to me, I reported a unauthorized transaction and after that they closed my account, but I am protected with the fair act of any transaction not authorized by me shall not affect me, dont know if its that but im guessing because that was the only action made, looking in now I have found 4 more additional transactions that were made without my knowledge or authorization Thank you for your attention to this matter. I look forward to your response and to having my credit report accurately reflect my financial responsibility.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average 35-40 points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.