davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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: RockLoans Holdings LLC (LA)

Complaint to the CFPB Regarding Rocket Loan Marketplace I am filing a complaint against Rocket Loan Marketplace for violating the Consumer Financial Protection Act ( CFPA ). Specifically, Rocket Loan XXXX failed to respond to my inquiry regarding a Charge Off account ] within the required 30 days. 

On [ XX/XX/year> ], I contacted Rocket Loan XXXX with a concern about [ a charge off account ]. I send a letter requesting for a form 1099c and provided them with all the necessary information to investigate the matter.

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), creditors are required to provide a written response to a consumer inquiry within 30 days of receiving it. In this case, Rocket Loan XXXX failed to respond to my inquiry within the mandated timeframe, violating my rights under the CFPA.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) outlines the specific information a response should include, such as the steps taken to investigate the inquiry and the results of that investigation.

I request that the CFPB investigate Rocket Loan XXXX 's practices regarding consumer inquiries. Furthermore, I request that the CFPB : Require Rocket Loan Marketplace to respond to my original inquiry within a reasonable timeframe and provide a detailed explanation as outlined in 15 U.S.C. 1681i ( a ) ( 5 ).

Hold Rocket Loan XXXX accountable for any financial damages I may have incurred due to their delayed response. 
Thank you for your time and attention to this matter. I look forward to the CFPB 's investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. La. XXXX
Consumer complaint received 2023-09-19
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (IL)

I contacted grain server times concerning, I changed bank accounts at which the company Grain was disconnected from my checking account. I contacted Grain customer support more than 3 times about I couldnt connect my grain account back to my new checking account at a different bank. I was told by rep that Grain was a having technical difficulties connecting my grain account to my new bank account. I waited and waited for the issue to be resolved and it never got resolved and the charged off my account and listing the wrong balance on my credit report. The dont have a customer service phone number, only communicate through email. I have attached receipts from my latest payment. On my credit report Grain XXXX says I owe them {$400.00} dollars
Consumer complaint received 2024-06-13
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: BARCLAYS BANK DELAWARE (AZ)

We vacationed in XXXX in XX/XX/2024. We made several purchases on our XXXX XXXX credit card issued by Barclays Bank. When we received our credit card bill we noted several fraudulent charges. We disputed those charges and Barclays credited our account for all of them. Later, we received notice from Barclays that they had received proof of the transaction from the unnamed vendor and that they were reinstating the charge. We requested a copy of the vendors letter. It was completely in XXXX and did not identify the vendor. They claimed that a copy of the signed receipt was attached but there was no signature just a letter P that was not it in my handwriting. I explained the discrepancy to Barclays and they said they would reopen the dispute. Today we received a letter from Barclays claiming they recharged our account and suggested that we pursue reimbursement from the merchant. Unfortunately, we have no idea who the merchant is and Barclays has not provided any useful information about them.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (IL)

In XXXX I purchased a XXXXXXXX XXXX from XXXX XXXX XXXX and they financed the loan through XXXX XXXX XXXX Within XXXX weeks of having the vehicle the XXXX XXXX XXXX and had to be replaced, in which the warrant did cover but it was still a big inconvenience being I bought a vehicle for the reason of having reliable transportation. Within the next XXXX months I had many other issues with the vehicle in which the warranty would not cover so I had out of pocket expenses. Also within less than XXXX months of having them replace the motor, the motor went out again and the warranty would not cover it. I was out of pocket paying for more expenses and having to pay for a new motor. These circumstances put me in a XXXX XXXX at the hands of the dealership who either did not fix the issue the first time or who gave me another bad engine when they first replaced it. Even though the engine they replaced was faulty and did not last but a few months they stated it was not within the warranty and I had to pay out of pocket. I was already dealing with XXXX XXXX  from not having a vehicle to be able to work etc since and I was stuck making payments on a vehicle I was not able XXXX XXXX that was having multiple repairs made to it and then having to pay out of pocket for repairs. I feel this is not right and my credit report lists negative remarks when indeed I made timely payments but in XX/XX/year> was when I was without the vehicle for an entire month and paid over XXXX in repairs plus went a month unable to work due to having no vehicle and had XXXX to buy for XXXX kids. These people would not work with me what so ever knowing the position this dealer ship/finance company put me in and they did not try to help or make the situation right after I was deceived in buying a faulty vehicle and they failed to even replace the engine the first time with a suitable one that was not faulty. I have attached all paperwork to this claim. Im in process of legal action
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (MI)

This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA XXXX XXXX XXXX ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly states - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This company is liable for damages.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX XXXX  called myself and my daughter 's phone stating they needed to contact me to server legal papers for a financial lost for a company. When I question the agent she gave me XXXX different companies, first Chase bank and then XXXX. The amount that was given that was due was XXXX. The agent stated that payments were made on a regular bases from XXXX to XXXX. I stated to the agent that I have never had a credit card with either banks. I reviewed my credit report and my bank statements and no payments was made to these banks. I advise them to not contact me and to provide original documents to show that I had an account with the bank. Today, XX/XX/XXXX, they left a voice stating I needed to contact them or I would be served. As of today they have not provided me with any information/documents to show that I owe this debt. 

On XX/XX/XXXX they send and email wanting to set up payment or payment arrangement. Today they called and left a voice that I needed to contact them or be served for the debt.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

Over three months ago, I contacted American Express about an incorrect payment I applied to one of my two Amex accounts : the {$500.00} needed to be transferred from account ending XXXX to account ending in XXXX. After that phone call, I have never since been able to access a monthly statement for either of my two Amex accounts. I have spoken five times and spent over ten hours on the phone between customer service and technical support, the last was with technical support three weeks ago who stated they would have my online access restored within one week ( two weeks ago ). Today, XXXX XXXX, I attempted to get online access, the only way Amex allows me my account information, was again disallowed. I again spoke with an Amex customer service rep and also wrote an email to XXXX. Amex is breaking the law because there is no way I can see my account statements for the past four months now and I have no way of know what happened to that {$500.00}.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

Chase Bank did not deliver on its {$900.00} promotion for opening up accounts even though I completed all the outlined steps. I opened up my Chase bank Checking and Savings account on XX/XX/XXXX during a promotion that said I would receive a {$900.00} bonus if I complete the steps outlined ( included in my supporting documents ). I completed all the steps and they failed to provide me with the full bonus. As of now it has been several months since the time it should have been deposited in full. They only provided me with {$200.00} ( included in my supporting documents is my account history ). 

Chase bank closed my Checking account at first without warning around XX/XX/XXXX. The reason they gave for closing my account afterwards was that it was not funded for 60 days. And because of this I lost the bonus. This was not stated in the bonus terms or any terms the bank proved to me. As shown in the supporting documents the bonus terms said I had 90 days to make a direct deposit into that checking account. I also included the supporting documents that show that I was given no notifications that my checking account was going to be closed if I did not fund my account in the 60 day time period. 

I then met with Chase Bank in person 3 different times at their location at XXXX XXXX XXXX, XXXX, MA XXXX. I was told there that my checking account was to be reopened and my full bonus provided. My full bonus was never provided to me. Because they continued to promise me the full bonus and I was told that I completed the steps, I waited to transfer my funds ( {$15000.00} ) to a bank with a higher interest rate, losing me money. 

Dates I visited the Chase Bank for an appointment to discuss this issue : Friday XX/XX/XXXX, Friday XX/XX/XXXX, Wednesday XX/XX/XXXX, XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CT)

I have contacted XXXX XXXX XXXX  and IC Systems about this matter about the debt in question, numerous times for about 5 years, I provided that I have another carrier that provides similar services and I needed proof a signature was captures for services rendered. When I ask they tell me I have to send a letter saying its not mine which I had to the address on the letters and the one the agency provided.

I never received follow ups and it continues to hurt my credit. I can not obtain a mortgage with this on my credit.

I have went to credit beau 's to dispute more than a handful of times and they refuse without proof of accuracy of this debt
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (PA)

XXXX XXXX XXXX is a fake online company promising loans at a low credit score. Once clicking on the text that was sent, scammers got into y email and into my bank accounts. The scammer then sent money from my account but not before changing all of my login information. I bank with Sofi and my account was closed and funds NOT returned. I have even forwarded this case to the fraud department of Sofi as well as the XXXX.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC. (PR)

I asked Axos Bank to close my account and transfer the funds to my personal bank account, which they have in their records since it was the account I used to periodically transfer funds to their account. This happened on XX/XX/2021. As of today, XX/XX/2021, neither my account has been closed nor the funds transferred to my personal bank account. All this has been documented within Axos Banks internal message platform, and since a rep has been attending my case, they are fully aware of this. 

The total amount of funds that have not been transferred to my personal bank account is {$5400.00}. I have been loosing money for more than a month while they are benefiting from them at my expense.
Consumer complaint received 2024-06-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Triton Recovery Group (AZ)

Triton Recovery Group has called, texted and emailed me several times .. Each time threaten me they they are serving my real estate broker with a UCC lien and all my past clients. They are threaten that none of my client will ever do business with me again. They are finding personal information and demanding they know how much commission I made.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (NJ)

The loan was initiated under a misleading pay-to-work scheme. The purchase date was XXXX and the loan ID : is XXXX on Affirm. I was invited to a Zoom phone call where I was told to pay a " XXXX deposit fee '' out of my own pocket. The people in the XXXX call proceeded to make my Affirm account to make this purchase, I had never used Affirm to purchase anything before this day, and Affirm should be held accountable for allowing fraudulent purchases such as this on their platform. I also had to show my ID and social security number for them to request a loan under my name from Affirm for a total payment of USD XXXX to buy into the " opportunity '' to work with the company. They made me sign a contract under pretenses. Many people have fallen victim to this company including me they opened a loan under my name and asked for XXXX qualified calls ( which consists of closing a deal from someone who makes XXXX and lives in the US/XXXX is willing and able to invest, and shows up to the appointment ) to receive a refund, they are making you put XXXX more people into the exact position that you are currently in and I refuse to do that to anyone else. and there are no exceptions for a refund they take your money and leave you with a loan payment for XXXX  months, Here is their website. ( XXXX )
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GU)

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2024-06-24
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: LEXISNEXIS (NH)

XX/XX/2024, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So, if thats the case ; how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (FL)

This is with BP Visa card from fnbo. 

Back on XX/XX/year> I pay my credit card bill as I do every month, amount I usually pay are between {$150.00} to {$400.00}. but on that day Bp shows that I input {$4000.00} as a payment, although balance owed was {$3300.00}. I called BP at XXXX XXXX they advice that they cant stop the payment, I told them I never input {$4000.00} they didnt care, I told them if its a mistake from my part I only owe {$3300.00} they said nothing they can do. I called my XXXX XXXX XXXXXXXX my checking account bank, they told me that there is no sufficient fund to pay it it will nt be paid, but I have other bill that are being retuen due to my account went on overdraft. 
So I let it go and paid the fees thinking that might be that i mistakenly input that amount. 

But now again it happen this month I input to pay {$300.00} and Bp submit a payment of {$7000.00}. That is redicolous I never paid this amount. Now I'm sure that there is a glitch or some issue with their system. Its causing my other bill that I pay in my Bank to send back. I call BP some call center in XXXX XXXX, they didnt care, when I ask for manager they put soem interference niose on teh phone, so I will hang up,
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (PR)

For XX/XX/2019, I eliminated the direct payment and began to make the payments at the institution. They the Firstbank of Puerto Rico made the mistake of not recording the payments made using this method and this mistake is affecting my credit score. I have never failed to make a mortgage payment. The time it took them to fix the problem, they send to the credit companies as a delay of 30 days, when it did not happen this way.
Consumer complaint received 2024-06-27
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (PA)

XXXX XXXX XXXX had a debt collection that was reverse back to XXXX XXXX XXXX Card and then XXXX XXXX XXXX  card reverse it back to First National Collections Bureau. 

First National Collections Bureau contacted Them by phone. 
Told me if I paid the debt of {$1300.00} that it was not going to be removed from my credit report. 

The thing is to this First National Collections Bureau says after payment it still remains on my credit file as collections. 

I ask to how something all sudden pops up 4 years later out of no where to this account ending in XXXX there was no notice or letter or nothing on XXXX XXXX behalf on nothing in 4 years. 

Talk to some one from XXXX XXXXXXXX XXXX  name XXXX XXXX claim be his ID XXXX nothing else was very defensive to his ID number or last name one would think as big as XXXX XXXX XXXX  is just a name XXXX no extension number nothing. 

I ask to place the account in collections he refused told me to fax it to a number that is not even first premier bank. 

account in dispute due to in 4 years I'm not even sure this is my account and fraud has been done in my name.