davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to HXXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : 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
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/year> and XX/XX/year> I was a victim of a fraud through my Chase Bank XXXX. On XX/XX/year> I received a text message claiming to be Chase Bank stating that a wire transfer was being requested for my account and asked me if I requested the transaction. I replied no and almost immediately received a phone call. The caller stated his name was XXXX XXXX and that he is a fraud investigator for Chase Bank. I looked up the number he called from and it showed to be a valid phone number for Chase Bank. He stated that someone was attempting to transfer {$500.00} from my XXXX account. He stated that I needed to reverse the transaction and instructed me to transfer {$500.00} from my XXXX to Chase to reverse the fraudulent transaction. He instructed me to XXXX the money to phone # ( XXXX ) XXXX which I did under XXXX transaction # XXXX. He told me to use the initials AM which is the first letter of my last name and first name as the recipient. Upon looking at the transaction on XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. After making the XXXX transfer he advised the {$500.00} would be placed back into my account. On XX/XX/year> I received another phone call from the same person claiming to be XXXX XXXX from Chase Bank Fraud Department. He stated that someone was again attempting to transfer funds from my Chase Bank XXXX snd the amount this time was for {$2000.00}. He instructed me again to transfer the {$2000.00} to the same phone number ( XXXX ) XXXX and again using the initials XXXX which are the first letters of my last and first name. I did as instructed and transferred the {$2000.00} from my Chase Bank XXXX. Upon looking at this transaction on my XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX. XXXX, Texas. After the second transfer on XX/XX/XXXX I became suspicious and called Chase Bank. I was advised by an employee in the fraud department that I was a victim of a scam. I filed a fraud claim with Chase Bank claim # XXXX. Chase Bank denied my claim and has refused to reimburse me the {$2500.00} that was taken from my account through the qualifying imposter scam. Chase sent me a letter and advised me that the transactions were processed according to the information I provided and was authorized. I contacted Chase upon receiving the denial letter and attempted to dispute the denial. I was advised that the investigation into the fraud was now closed and could not be disputed and that I would not be reimbursed for the {$500.00} and {$2000.00} transactions. I believe that I am eligible for reimbursement through the electronic funds transfer act due to being a victim of a qualifying imposter scam.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 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
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

I received notice from a company called XXXX claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from XXXX attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from Resurgent Capital Services stating that they manage the account for LVNV funding, and that the account is being serviced by XXXX XXXX, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. Inside was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/XXXX  states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed some inaccuracies on my credit report i brought it up to Transunion XXXX and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.
Consumer complaint received 2024-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (AZ)

Our new mortgage company, Freedom Mortgage Corporation, took over our mortgage from the previous lender, XXXX, on XX/XX/year>. Since our old condo insurance expired on XX/XX/year>, we purchased a new policy in XXXX and had our insurance agency notify the mortgage company of the change. 

Although my agency reported the new policy in XXXX, which offers the same coverage, Freedom Mortgage purchased a separate condo insurance policy for our property without informing us. We never received any notice about their purchase, nor did they obtain our permission. 

We attempted to cancel their force-placed insurance, but they informed us that we could not cancel it because our loan is FHA. However, our loan has been FHA from the beginning, and we had private condo insurance last year. Despite this, the new mortgage company purchased their own insurance policy without notifying us or getting our consent. They are now refusing to cancel their policy, even though we had our new insurance in place before they made their purchase. 

They would not allow us to cancel the force-placed insurance, citing that our loan is FHA. This reasoning is confusing because our loan has been FHA from the start, and last year our insurance was with XXXX XXXX XXXX. I dont believe there is any law that allows them to impose their own insurance on us, so it seems they may have intentionally misled us to force us into their coverage. 

Additionally, Freedom Mortgage Corporation does not provide borrowers with a channel to update or report their new insurance coverage. 

Attached is a copy of the notice from Freedom Mortgage Corporation, showing that they purchased a condo insurance policy for our property on XX/XX/XXXX without prior notice or our permission. Also attached is the document for our private condo insurance, purchased in XXXX before the force-placed policy, demonstrating that we had our own coverage in place.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NV)

In 2020 I opened Cash App accouht, and funded it from my XXXX XXXX XXXX..Somehow, when I went to login I found money was gone.Cash App didn't help me then.So I called bank reported my card as being compromised, and waited..The bank said after their investigation they couldn't prove fraud.I LET IT GO.. 
XXXX days ago I received a letter from Cash App, saying there was no activity on my account, for 4 years, it has XXXX, call them to claim it.. 
I CALLED.AND CALLED..I 'm getting nowhere. They basically are accusing me of lying.. 
I DONT RENEMBER THE EXACT XXXX NAME, I do remember phone number used..I called bank got last XXXX of card XXXX XXXX XXXX 
I have a name of someone I sent m9ney to in XXXX M8chigan from my account n t.. 
They are flat out calling b me a liar, saying because I can't remember everything, they can't help me.. 
It will go to my states Nevada unclaimed property, which I can get it then..but It's been XXXX years..I WANT MY MONEY
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

Hello, I have a large amount of money with UFB Direct in a savings account. I have been trying to access and transfer some money for over a week but have been unsuccessful. When I attempt to " move money '' from my savings account at UFB to my personal bank, the banks will not link together. I was on a call with customer service for around 55 minutes and they attempted to link the accounts but could not. We tried many options but continued to fail. As a final attempt, I agreed to have a wire sent, even through it would cost me fees. The wire failed too. It seems that money is unaccessible and this is very concerning. I need to access this money immediately but customer service and tech support are not able to help. It fees that they are keeping my money and not allowing me to access it. I am very concerned.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AL)

On XXXX XX/XX/XXXX, a person by the name of " XXXX XXXX '' called me from XXXX about case # XXXX. 

This case is about two issues as I clearly explained to XXXX : 1 ) Wells Fargo Freezing my checking account ending in XXXX in XX/XX/XXXX and then closing the same account in XX/XX/XXXX without any reason given. This falls under the Consent Decree CFPB has with Well Fargo dated XXXX XX/XX/XXXX. 

2 ) Wells Fargo making incorrect late payment reports to credit agencies about my Auto LoanXXXX as well as late fees charged. 

XXXX XXXX called again today, XXXX XX/XX/XXXX at XXXX asking about " fraudulent checking accounts in my name ''. I have to ask what does this have to do with the issues at hand??? 

I explained to XXXX XXXX clearly on XXXX XX/XX/XXXX at XXXX that I am requesting mediation for 1 ) my checking account ending in XXXX that was frozen by Wells Fargo ( XXXX XXXX XX/XX/XXXX ) without explanation. 

2 ) Incorrect late payments reported to the credit reporting agencies on my auto loan as well as late fees for WF auto loan account XXXX. 

XXXX hung up on me. 

It is clear Wells Fargo refuses to address the claims I have under the CFPB consent decree with Wells Fargo dated XXXX XX/XX/XXXX for freezing/closing my checking account ending in XXXX and the incorrect late payments on my credit report and late fees charged. 

I am making this last attempt to request mediation. Should Wells Fargo NOT move forward with mediation, I will file a lawsuit. 

I have done my absolute best over the last three weeks to resolve these issues as outlined in the Wells Fargo Consent Decree with CFPB dated XXXX XX/XX/XXXX. 

I have all the documents and witnesses to support my claims.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (WA)

On XXXX XX/XX/2024 I recieved a email from Home Depot / Citi about payment for account ending in XXXX. But I known that account not belong to Me, I file complaint to WA State Attorney Office and receive a repond from Citi bank with account ending in XXXX with the same amount I own them. Citi bank said they made investigation about account ending in XXXX and they report late payment to Credit bureaus, It's again Fair Credit Rporting Act. Citi bank call Me serveral times to ask Me some informations about account ending in XXXX, but I ask them send for Me all invoices & monthly statements belong 2 account ending in XXXX & XXXX but I did'nt receive yet. 
- I want to known why they report late payment to Credit bureaus when they made investigation? Violation with FCRA or not? 
- When I receive all Invoices & monthly statements of 2 accounts by email to : XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (SC)

I had a care credit card account that I used for medical expenses and vet expenses. The card is issued through Synchrony Bank. I had logged in to the online customer portal to see my account balance so I could payoff the card, as I have done several times in the past already since I have had this card for YEARS. Upon logging in to my account I saw that my account had been closed. I did not request this closure nor was I informed of any issues that would cause this to happen. When I initiated contact with customer service to find out what happened I was told they closed my account due to XXXX returned payments in a XXXX month period. The first XXXX they told me about was {$100.00} on XX/XX/year> which I have no knowledge of. The second was a mistake on my part when entering the routing number. I contacted customer service regarding the returned payment and was not told anything about my account being automatically closed due to their policy. I am in the process of taking a mortgage and hope this unauthorized and unnecessary closure does not affect that process or my credit report. This is potentially detrimental to customers and it is disgusting that they do not offer any grace for human error. I was also told I was being transferred to a supervisor to speak about the issue and instead the agent ended my chat. There is no accountability or resolution to be seen for this disgusting treatment of their customers.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (SC)

Per the FCRA, Im entitled to a complete and accurate credit report. Chase is not abiding by these requirements. There are multiple inaccuracies that Ive tried to dispute and reinvestigate with the credit reporting agencies that keep coming back as verified per the FCRA. Chase is reporting an inaccurate date opened, last date reported, last date active and last payment date. They are also reporting inaccurate late payment history and a past due balance on a charge off account. I demand for Chase to delete this inaccurate account from my credit report.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I am a US Bank personal and small business banking customer and have been for about XXXX year. US Banks overdraft fee scheme was extremely aggressive when I XXXX  opened accounts with the bank. The institution would charge a {$36.00} fee if an account was overdrawn as a result of pending transactions. Within the last year, the bank has altered its approach for personal accounts and now provides a XXXX business day window to cover an overdraft, although the process is still triggered by pending, and not just posted, amounts. The banks approach on the small business side has not changed, however, and the institution continues to immediately charge overdrafts with no recourse on accounts that it considers overdrawn even if the overdraft was the result of a pending charge. I have brought this matter to the attention of many employees at the bank, all of whom tell me that nothing can be done although in most cases, the employee will reverse the charge. Calling is an obvious hassle and should not be necessary.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carvana Group, LLC (TX)

Greetings, I want you guys to investigate tricky practices to the company name : CARVANA LLC I did a loan with this company and suddenly they sold my loan to the XXXX company. 
I pay {$320.00} for a XXXX XXXXXXXX XXXX XXXX XXXX total of more than XXXX. When I was checking my 3 payments as a result my surprise was that this company was charging me {$250.00} of interest and only {$76.00} was deposited to my original loan. How is this possible? 
Another encounter was that I was waiting for my plates and a waiting period of more than 60 days to receive my plates. My temporary plates expired on XX/XX/XXXX, and still don't receive my plates. I went to the Texas office to order another 30-day permit at my expense. I found that they charged me 30 % or more of interest for this used vehicle. 
I hope you guys can help me with this inquiry and investigate these companies with bad practices. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I went to XXXX  XXXX XXXX ATM XXXX on XX/XX/year> and tried to withdraw {$300.00}. I selected 3 {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank, which I did. The dispute was not in my favor so I asked for a review and submitted a statement explaining the issue. On XX/XX/year> I went back to the XXXX  XXXX XXXX to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again was not in my favor. So I requested the evidence they used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called USAA again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didnt care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to contact XXXX  XXXX XXXX . I contacted XXXX  XXXX XXXX again which still told me to contact USAA. I explained to them USAA doesnt care and wont do anything else since XXXX  XXXX XXXX gave USAA a receipt. They said they will try to look into it but didnt have a way to open a dispute since my account was with another bank. Ive been a USAA customer for 17 years Im now looking into other banks, credit unions. Ive come to the conclusion that my money isnt safe with USAA because as long as somebody provides them a receipt, then they are satisfied and their investigation is complete. I cant believe USAA wont look into this issue any further when the little evidence that was provided is in my favor.
Consumer complaint received 2023-06-15
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: ACIMA CREDIT, LLC (PA)

UPDATE TO CLAIM # XXXX ACIMA has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTY XXXX. ACIMA has responded with they have the right to do so because of an alleged proper agreement. In this agreement ACIMA FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 156 USC 6802b ( B ) ( C ). 
ACIMA IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. ACIMA REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.