davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (FL)

This is in reference to my inability to access my XXXX XXXX Account. I also have a XXXX XXXX Account with this same company, Optum Bank. I started calling in XXXX when my XXXX was being funded. That appeared online in XXXX, but I no longer can see my XXXX. I have called numerous times and submitted trouble tickets. I received a secure message from Optum Bank telling me the XXXX routed the ticket to the wrong department and that I should call them back and tell them to resubmit it to the correct dept! I did do that. I called back later to check the status, and the XXXX, with a crying baby in the background, simply told me to call back in 3 business days! Yesterday I called back and was told that the ticket had been resubmitted, but was then closed with a note saying No hold on this account. Case closed. In the meantime, I can not access my tax forms nor can I get access to my money. After being on hold for XXXX hour and XXXX XXXX minutes yesterday, the XXXX gave me her email address and suggested I send her an email in a couple of days to have her check if there was any updates! I sent an email to XXXX per instructions on their website, but have had no response. 

I have been told by a few different CSRs that there can not be more than XXXX account with the same social security number. My response is always the same I have XXXX XXXX and XXXX different accounts. I have had these XXXX accounts for over a year.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

Dear CFPB representative, I hope this message finds you well. 

My name is XXXX XXXX and I am an owner of the account of XXXX, XXXX at Chase bank. 
I am writing to urgently address a critical issue concerning payments made by my tenant via XXXX through XXXX XXXX XXXXXXXX to my Chase account. Unfortunately, despite those payments being debited from the tenant 's account, totaling {$10000.00}, they have not reached my checking account. 

Here are the specific details of the missing XXXX payments : Date Confirmation Code Amount XX/XX/year> - XXXX - {$1500.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$830.00} Me and my tenant have taken the following steps to resolve this matter : - Contacted XXXX XXXXXXXX XXXX and submitted claims to investigate the missing payments. 
- Received feedback from XXXX XXXX XXXXXXXX stating that the funds were transferred and posted, and they advised to contact the recipient ( Chase ). 
- I have independently contacted Chase bank and confirmed that no payments corresponding to the above dates, confirmation codes, and amounts have been received. However, Chase 's notification system emailed me with confirmations on receiving funds through XXXX for all transfers specified above. 

Attached to this email, you will find documentation including completion letters from XXXX XXXX XXXX 's research, XXXX confirmation emails and Chase statements. 

I kindly request assistance from the Consumer Financial Protection Bureau ( CFPB ) to facilitate the resolution of this matter with Chase Bank. My aim is to ensure that the missing payments are promptly delivered to my Chase checking account or recovered and made available for immediate resending. 

Should you require any additional information or documentation to expedite this matter, please do not hesitate to contact me at your earliest convenience. 

Thank you sincerely for your prompt attention and cooperation in resolving this pressing issue. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have attempted to change my mailing address for my Capital One credit card. I had a Capital one external savings account and credit card. My external saving account statements were mailed to the correct address on file bit my credit card statements continued to be mailed to my XXXX address instead of my Ohio address. Capital One did not change my address or update my credit card mailing address to match my external savings account address. My credit card statements continually arrived after the due date which ensured continued late fees. 

I have closed both my external savings account and credit card because of this. I try to make timely payments but continue to incur fees due to not receiving my paper statements on time eventhough I have continued to tell Capital One my correct address. 

Additionally, on XXXX, XXXX, I made an automated phone payment for {$73.00} to try to stop the charges by XXXX  my balance and anticipate the {$25.00} charge that would be sent to The XXXX XXXX XXXX ( the only thing I charged on this credit card ) .Capital One accepted a payment of XXXX instead furthering the collection of interest and late fees. I attempted to have these removed but was denied when Capital One refused accountability.
Consumer complaint received 2024-05-05
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: SYNCHRONY FINANCIAL (NJ)

I wish to formally address a significant issue regarding a financial transaction in my XXXX account. Despite providing evidence that I did not subscribe to a six-month service with XXXX, XXXX has refused to issue a credit and instead offered to present the money to the merchant. I wish to emphasize that this payment was not authorized by me and I do not accept responsibility for it or any associated interest charges. In accordance with the Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ), which mandates consumer consent prior to withdrawals from their accounts, I did not authorize this withdrawal. As a result, I have initiated a dispute with XXXX to resolve this matter. I formally demand the full restitution of the amount erroneously withdrawn from my account, as per the provisions outlined by both the EFTA and laws governing unfair or deceptive acts or practices ( UDAP ). The withdrawal, purportedly for a service I did not use, constitutes a clear violation of these regulations. Furthermore, it is crucial to note that I adhered to the XXXX 's three-day refund policy by clearly expressing my desire for a refund and providing my address in Colorado. Any policy that selectively accepts payments but denies refunds to residents of New Jersey is illegal and unenforceable. Thus, any claim regarding the validity of the transaction is unfounded and legally untenable. XXXX has gained notoriety for defrauding consumers, and financial institutions are complicit in facilitating the fraudulent activities perpetrated by this organization. 

I am committed to pursue all available legal avenues to address this matter. I will not relent until the wrong inflicted upon me is rectified, and the full refund rightfully restored to my account. It is my duty as a responsible consumer to uphold the integrity of financial transactions and to hold accountable those who seek to exploit or manipulate them for their gain. Let it be unequivocally stated that such actions will not go unchallenged, and I will spare no effort in ensuring that justice is served. The flagrant disregard for consumer rights and the rule of law exhibited in this instance will not be tolerated, and I will not rest until I have reclaimed what is rightfully mine. Your actions are causing me significant hardship and stress, impacting my studies. I will involve my school 's legal department to address this matter accordingly.
Consumer complaint received 2024-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TN)

I opened a XXXX XXXX months ago with U.S. Bank XXXX Upon XXXX maturity on XX/XX/XXXX, I informed them that I would like to receive a check. I waited 2 weeks with no check in the mail I've contacted them again. They told me a check was lost and that to get a replacement check I needed to sign a form stipulating I never received this check. So, I waited another 2 weeks and never got the form. Upon my call, they told me that I was having a mail problem or the address they had on file was not correct. I told them it was not true because Im getting my statements from other financial institutions. Also, I received a letter from them dated XX/XX/XXXX about the upcoming maturity of my XXXX  I was transferred to the manager and besides promised to resend the form I was not able to get anywhere. The closest branch is XXXX hours from me so this is not an option.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

AFTER AND SEPARATELY from XXXX Venmo FALSELY CLAIMS THEY REFUNDED {$120.00} to another party. THIS IS FALSE. Neither i nor the other person received that money. Venmo simply set my balance to XXXX, thst is they TRANSFERRED {$120.00} FROM MY ACCOUNT TO THEMSELVES. 

Previously they acknowledged I had a {$120.00} balance but refused to give it to me unless I gave them my BANK ACCOUNT AND SOCIAL SECURITY INFORMATION. VENMO NOW HAS OUTRIGHT STOLEN THE FULL AMOUNT OF MY VENMO BALANCE
Consumer complaint received 2024-05-05
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 (NM)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. For this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I'm trying to sell an item on XXXX, but it's only on my XXXX page, when I called XXXX to find out why it's not shown nationwide I was not talking to XXXX, it turned out to be a scammer. The scammer told me to download an app for verification purposes, then I was told to open the app, when I opened the app the scammer took control of my phone and got into my bank account and took {$250.00} from my account, I did not give them permission to do this, they gave them selves permission to do so. I called my bank right away and filed a claim Well capital one is denying my claim saying that I gave permission for this transaction. But I did not give any permission for this, the scammers had control of my phone and gave themselves permission. Now capital one is refusing to refund my {$250.00}
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For 12 months TransUnion kept me from accessing my report and also my disputes section of the website. I have uploaded an attachment screenshot of the page I have been unable to get past for 12 months. I have contacted there IT department and the website continues to deny my account access to the disputes section and report section. They made it impossible for me to file a dispute on my report by denying me access to this section. This hints at internal fraud and errors on my report. I noticed they had an XXXX mans name under my report. His last name was XXXX. They kept asking me about him when proofing my account by phone. They made it so I can not do anything on my account online unless I call them only on the phone. They kept me out of my account using tech support. I logged in from XXXX XXXX, the library, school, and work and got the same technical issues. This let me know they intentionally kept me out of my account so I could not fix the errors they made in my report.
Consumer complaint received 2024-05-05
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: Affirm Holdings, Inc (NJ)

I took out a loan with AFFIRM INC XXXX, XXXX XXXX XXXX, Fl XXXX, XXXX XXXX, CA XXXX, LOAN XXXX, Original amount {$3900.00}. Today, I discovered they pulled my credit report and the initial offer via XXXX said they would not be pulling my credit. When I attempted to resolve, their service agents are not in the US, and I experienced language barrier issues, and an inability to assist. I feel the company is a scam, and pulled my credit to share my information illegally and drive my score lower. I would like the inquiry reversed and this company investigated for their sales practices.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NE)

I XXXX XXXX went in to cash a law suit settlement check to me by Wells Fargo due to their XXXX  behavior on ( XX/XX/year> ) in the early afternoon. " They used my information falsely. '' As I was cashing the law suit settlement check, I asked to use the restroom? The employee said, " the restrooms are just for customers ''. I said, in my mind, " I am a customer. '' Are you not helping me cash a check for me, from this bank? I stayed calm and got my money and left. However, I knew it was wrong. You see, I have a XXXX XXXX XXXX XXXX XXXX Really, she did not allow me to use the restroom, yet I was a customer, not some one whom just walked off the street and into their work place and said, hey, can I use your restroom? I want an apology by phone, letter and {$7.00} compensation.
Consumer complaint received 2024-05-06
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. (NY)

My card was used fraudulently and subsequently my bank account was closed. I called Chase and let them know and also followed up with supporting documentations as my card was used in another state. Chase has XXXX XXXX XXXX XXXX  and is holding this debt over me and asking that I pay them when I am not responsible for this balance. I have been trying to work with Chase for years in regards to the to no avail.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2023-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC (FL)

I received a letter To pay a debt from XX/XX/ {$6500.00} They say they will not report it to any credit reporting agencies. 
But they want me to pay it plus send information. 
I must respond by calling writing or mailing to them by XXXX XXXX I am afraid and am innocent.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a XXXX XXXX and XXXX XXXX XXXX  Credit card last year, everything was going fine until they closed my account. I had just made XXXX XXXX dollar payment on the XXXX XXXX and XXXX XXXX dollars payment on the XXXX  credit card. I am puzzled on why? I did Indorse my bill statement or XXXX and XXXX  so they can credit my account as being paid. I don't think they liked that method of payment but without lawful money this is the only way to pay off debt.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (FL)

I am writing to file a formal complaint against First Credit Services for violating the Fair Debt Collections Practices Act ( FDCPA ). On XXXX XXXX, I disputed the amount of {$260.00}, which appeared on my XXXX Credit Report. Despite my dispute, First Credit Services failed to provide validation of the debt as required by the FDCPA. As of the date of this complaint, the collection account is still reporting negatively on my credit report, causing significant damage to my credit score and financial well-being. I believe this action by First Credit Services is in direct violation of my rights under FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against First Credit Services to ensure they comply with FDCPA and remove the negative reporting from my credit file. Thank you for the attention to this matter.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/year>, my Social Security check in the amount of {$2300.00}, should have been in my XXXX XXXX XXXX XXXX account by direct deposit. It was not. On XX/XX/XXXX, I went to the local XXXX XXXX XXXX Social Security office. They did a search and discovered my check had been rerouted to an account in XXXX, FL at the JPMorgan Chase Bank. I received a print out of all the transfer information and was told by Social Security I would have to follow up myself regarding the fraud. 
I called Chase Bank in XXXX, FL. Based on my information, a teller found the fraudulent deposit of my check into one of their accounts. She could not help me further, providing me with the XXXX number to their Fraud 's Dept. The number identified itself as Customer Service. A gentleman stated it may be a mistake rather than Fraud ; that they could not give out any information due to protecting their customers and they would Not remove it from their account ( even though I had the Social Security print out of the fraudulent transfer ). He was rude. 
I called that Fraud dept again on XX/XX/year> requesting a supervisor who I talked to : he put me on hold after which I was transferred to an automated system and disconnected from Fraud Dept. 
To date, my XXXX XXXX account remains overdrawn from auto payments, as well as numerous overdraft fees on such. 
The only solution is for the XXXX FL Chase Bank to return that deposit to the Treasury Dept, to be reissued and deposited into my account. 
It should be noted that I subsequently received a letter ( dated XX/XX/XXXX ) from Social Security confirming the rerouting of my direct deposit acct. This letter reached me on XX/XX/XXXX.
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.