davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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: CBC Companies, Inc. (TX)

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX # XXXX - XXXX. XXXX XXXX XXXX  # XXXX - XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2024-05-02
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. (AZ)

Chase identify 1 of 3 fraudulent translations, blocked and closed my card. There are still 2 other transactions from the exact same merchant. Chase is saying I have to wait 1 to 3 business days ( so up to 5 days since it is Thursday ) until they can address and refund the money. I am unemployed, that {$50.00} is food and gas for a week for me. 

They caught 1 fraudulent transaction from the same merchant, I don't understand how the other were also not blocked, from the same merchant.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (FL)

On XX/XX/2024, my Moneylion account was taken over by a fraudulent criminal. Based on previous use, I would request an instant cash of {$100.00} a day and have never transferred funds to another Moneylion user. The transaction that occurred resulted in the fraudulent individual requesting {$1000.00} in instant cash and additionally requesting a XXXX XXXX  loan of an additional {$1000.00}. This would be unusual in any event, but extremely suspicious based on my normal usage. After contacting Moneylion directly, and creating a fraudulent claim, Moneylion stated the transaction was authorized by the user which is complete false. The representative who assisted me in customer service reviewed my account history going back to a year and noticed my normal usage patterns. The outcome of Moneylion 's investigation is asinine at best, and fails to protect me as a consumer of their products.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

My mortgage was sold on XX/XX/2024 to Mr. COOPER. My payments are due on the XXXX of each month. I have tried logging into my XXXX account for two days to make my payment but I keep getting funneled to Mr. COOPER. Mr. Cooper will not allow me to generate or start a new account to make payments. I have tried reaching out to customer service but I can not get past the automated system to get to a human being. The automated system doesn't recognize my social security number or account number. I keep getting hung up on or kept in a relentless loop of asking for my social security number. I think it's highly unprofessional to not have an option for customers who are in a mortgage transfer process they DID NOT ASK FOR to speak to a human being about the next steps in their loan. What if I didn't check my email? How would I even know? I haven't even received a statement from this company. IXXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/2024 I received a deposit from the IRS {$8700.00} And my phone was stolen along with my driver license etc my account was fraudulently used to withdraw money the hackers had used my temporary debit card and added it to XXXX XXXX  I do not even have a XXXX product or device I explained this to chime while I disputed the charges and explained they are without my consent chime bank did not refund any of my funds back chime failed to protect my consumer rights and refund my full amount that was stolen in which my attorney have sent chime bank a intent to sue if my funds are not refunded back asap
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cedars Business Services, LLC (MI)

I have a company named Cedar Financial with a phone number of XXXX that states I took out a payday loan that was not paid off. They provided me with a bank name and address I have not lived at for over a decade. They stated that I was going to be XXXX  for XXXX XXXX and then cursed at me, calling me a lowlife and a thief and saying profane words. When I called the number back, they said it was the fraud department of XXXX XXXX and would not give me any further information. The representative told me I would get that information from the XXXX.
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (FL)

on XXXX XXXX i contacted wellsfargo to advise them i was unable to make payment and request a defferment based on lossing my job due to the natural disaster in florida that bankrupt and closed mywork place. i was told i was granted the deferment and would need to make payment on XX/XX/2023. however they still went and filed a 30 day late on my credit siting that i was denied the defferement on XX/XX/2023 in which i only learn of this on XX/XX/2023. I am not working and wellsfargo now states i owe XXXX and I am not working and they refused to remove the late when i was never told i was denied the defferement and recieved no indication I was late. the reporting has cost me my credit to drop XXXX points now causing me more financial damage.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (MN)

Credit Card Company : Aspire The Company did some drastic changes to my account and I can not use my card any longer. 1. Changes to APRs that are already ridiculously high from 29.99 % to 32.99 % for purchases, 32.99 % to 35.99 % for cash advances. 2. Addition of Account Maintenace Fee of {$60.00} annually ( billed at {$5.00} per month ). I DO NOT know how CFPB could tolerate these increases when the consumer are suffering from the FED rate increases whose objective was to curve inflation!!! This is totally insane/evil and consumer will just suffer!!! 

YOUR OPTIONS : ( 1 ) If you decline their changes, they will peg the interest rate at that high level and close your account and you continue to pay at that high rate. They peg it because they know that the FED will start lowering the interest rate now that inflation is somewhat tamed. SMART MOVE hey! 

( 2 ) If you accept the changes, they will impose a maintenance fee of {$60.00} per year. 

So, CFPB do you see how those 2 options given to consumers are both ripping us off? Both options are in favor of the COMPANY, and the consumer is always at the losing end .... XXXX! I wish one of the options that they have given would at least be in favor of the consumers. But neither does!! ANALYZE IT CFPB ... DO NOT BE A LAME DUCK JUST SITTING OUT THERE. YOUR AGENCY IS MANDATED TO PROTECT CONSUMERS.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: DIME COMMUNITY BANCSHARES, INC. ()

On the XXXX XXXX we sent a wire for {$20000.00} from the US DIME bank to our XXXX XXXX. This money has since been lost despite receiving confirmation that the payment has been cleared. 

I initiated the payment using a template witch includes all the XXXX bank details. We have used this template many times and has always worked. We are unable to change any of the bank details, so this could not of been an error. 

The bank have provided me with no details of when we can expect the money back and {$20000.00} is a lot of money for a small business. 

I have tried emailing calling the deputy bank manager. hasn't responded to my email. Tried calling but the voice mail is on a loop as the bank manager is away. 

The XXXX Bank have asked for XXXX as proof of payment but they haven't provided this.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I entered into a contract with Rise with an interest rate over 100 %. About a month or two after the first payment, the XXXX of California passed a law that was codified as CA Fin Code 22750 that states no person has any right to collect or receive any principal, charged or recompense in connection with the transaction. ( rates in excess of 36 % ) I have tried to resolve this with the company but have had no success. In an attempt to collect their debt they are citing an amount of interest and principal that violates this law on all three credit bureaus.
Consumer complaint received 2024-05-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

Tried to make several purchases through XXXX on XX/XX/24 in the amount of {$180.00} and kept on getting declined Tried to make a purchase on the phone at XXXX XXXX on XX/XX/24 in the amount of {$1700.00} and was declined Called customer service and they stated you need to use in store. What good is a gift card if you can't use it online. It states that you can use it to shop online in the card description.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am writing to file a complaint against Toyota Motor Credit Corporation ( XXXX ) for alleged forgery and fraud in connection with a Retail Installment Contract for the financing of a 2019 Lexus LC 500, VIN : [ Insert VIN ]. 

I am currently involved in a legal dispute with XXXX in the Superior Court of New Jersey, XXXX County ( Docket No. : XXXX ). In this case, I am the Plaintiff seeking a judgment declaring me to be the rightful owner of the vehicle, free and clear of any lien claimed by XXXX. 

In support of its Motion to Vacate Judgment in the aforementioned case, XXXX submitted a Retail Installment Contract as Exhibit A. Upon review of this document, I discovered that it appears to have been materially altered and contains multiple discrepancies from the original contract in my possession, including different dates, amounts, and signatures that appear to be forged. 

Specifically, the signatures on the Retail Installment Contract purporting to be mine, that of the co-buyer ( XXXX XXXX ), and the finance XXXX all show signs of forgery. I have submitted an Affidavit of Forgery detailing these discrepancies to the court. 

I believe that XXXX, as a financial institution, has engaged in deceptive and fraudulent practices by submitting a forged and altered Retail Installment Contract in an attempt to mislead the court and gain an unfair advantage in the legal proceedings. 

Furthermore, despite my repeated requests, XXXX  has failed to provide me with an accurate accounting of my payments and has not corrected the discrepancies in its records, which show an alleged outstanding balance even though I have fully paid off the vehicle. 

I request that the CFPB investigate these allegations of forgery, fraud, and deceptive practices by XXXX and take appropriate enforcement action to protect my rights as a consumer and to ensure the integrity of the financial system. 

Please find attached copies of the allegedly forged Retail Installment Contract submitted by XXXX, the original contract in my possession, my Affidavit of Forgery, and relevant correspondence with XXXX. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation that may be needed for your investigation.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXate of inquiry : XXXX. The inquiry was not XXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

Predatory Loans issues by Sallie Mae / Navient for a fraudulent school ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) I am requesting the Pilot Discharge Application. 

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). As a matter of fact, XXXX has been sued numerous times over their fraudulent practices. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and am waiting the final judgement. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a post class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

See attached letter from XXXX XXXX.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (CA)

Applied for the XXXXXXXX XXXX order number XXXX with Tesla got approved with XXXX for XXXX. The XXXX was XXXX. Tesla told me to cancel the application they could tranfer to the XXXX XXXX So i paid the sscond deposit of XXXX. Then the rep order the XXXX XXXX to be delivered a day later. Pick date they told me to reapply. I appkied twice they denied the app. Then told it was a lease not a loan. I walk through reapply for the loan with a rep but still got denied. Not to mention i was transferred around to three different dealership. Rep not return calls. And i call in get a bunch circle to buy my first Tesla. I called XXXX they told me the loan is approved from XXXX XXXX Tesla keeps submitting the loan when I reapply as a lease some kinda of way. I reapplied for a loan. Is this legal? Please call santander XXXX account XXXX. Telsa told me to cancel pay the deposit and reapply to get the XXXX XXXX  order numbers Rn XXXXXXXX XXXX XXXX XXXX approval loan. I need this loan plus the tesla transfered to the XXXX XXXX Please help resolve this issue. I wanted the XXXXXXXX XXXX XXXX  through my finace companys approval XXXX.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I applied for a credit limit increase on my Capital One Platinum credit card on XX/XX/2023. I was denied later that day. The reason given in the declination letter was " There is legal action pending against the applicant. '' This is not only untrue, but it is potentially damaging to my reputation. There is no pending legal action against me. I called Capital One and spoke with a representative to get clarification. After a brief hold, I was told by the rep, who spoke with their manager, that they are unable to access my personal records or give me any other clarification ; I was told to contact the credit bureaus. This was an unacceptable and evasive non-solution. Capital One accessed some form of information and used it against me in this credit decision, yet somehow they can not divulge said information to me? Incidentally, I did access my credit reports from XXXX, XXXX, and XXXX just to check, and none of them report any public record or legal action pending against me. 

I demand to know the basis for this denial. Since it was used against me, I have a right to know.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I was checking my personal email account that is used primarily for online shopping, and I noticed emails from XXXX XXXX Notifications regarding an online purchase for pickup in a store in XXXX, IL. 

The first email was sent on XX/XX/XXXX regarding order # XXXX. The order was an online order for a curbside pickup of a XXXX XXXX. The email said that the order was waiting to be fulfilled. 

The second email was received on XX/XX/XXXX, and it said the order was ready to be picked up. 

I logged into my Chase Visa account immediately and noticed two charges from XXXX XXXX in my pending transactions. One in the amount of {$540.00} ( for the XXXX XXXX ) and a second for {$410.00}. 

I called Chase Visa immediately to inform them that both charges from XXXX XXXX were fraudulent. 

I then called XXXX XXXX corporate to inform them that these charges were fraudulent. The XXXX was picked up, but the second order was for an XXXX, and XXXX XXXX was able to cancel this order because I called. 

The {$410.00} charge was removed from my pending charges by the next time I logged into my Chase account. The {$540.00} charge took several days to be removed. 

On XX/XX/XXXX, the charge for {$540.00} was added back to my Chase Visa transactions. When I called Chase, they told me it was because XXXX XXXX said that I made the charge, because my Name, Address, and phone number was used. They said that they would send this case back to the fraud department, and some would get back to me within 5 days. 

I also called XXXX XXXX to complain. They acknowledged that I had called them about the XXXX fraudulent purchases on XX/XX/XXXX. They also acknowledged that they were able to cancel the second purchase because I called on XX/XX/XXXX. 

I make frequent online purchases at XXXX XXXX, and my name, address, phone and credit card information is stored on the XXXX XXXX website. 

This purchase is fraudulent, and I believe it is an inside job at XXXX XXXX, because all of my information is saved on their website. Additionally, any other time I have made an online purchase for curbside pickup, XXXX XXXX has sent confirmation communications via text message. 

I called Chase again on XX/XX/XXXX, and they are now saying that it will take 16 days for the fraud department to get back to me. 

I am scared that I will be stuck paying for a fraudulent purchase. 

Please help!
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

About tree days ago XX/XX/year> i check my credit score to buy a house. I notice my score decreased to a very low score. JEFFERSON CAPITAL SYSTEM Reporting a XXXX XXXX XXXX bill that was deleted from my account months ago. This is not my account all three credit reporting agency deleted this fraudulent alleged account. I did not get a letter from Jefferson Capital System. This alleged debt appeared on my credit Violating unfair or deceptive practices to collect debt. This company caused my family and i hard delaying me the agility to purchase my home.