davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO. (TX)

I obtained a loan from Chase Financial on XX/XX/year> for $ XXXX.When I took out the loan, I wasn't informed about how much of the payment would be going toward the 9.708 % interest. I have paid this loan for 20 years and still owe {$10000.00}. I have called several times to see if I could get an explanation about the loan balance and why it is still so much but no one has taken the time or shown an interest in explaining it to me. I believe that I have been the victim of predatory lending with unfair loan terms because the terms should never have been for 30 years for this small amount of money. When I borrowed the money, I was in a financial bind and needed the money quickly. Because of my dire need, I don't believe that the loan terms were fully explained and I was taken advantage of. I have asked about refinancing but the answer has always been no. I don't understand why there is no way to get out of such a terrible loan.
Consumer complaint received 2023-12-07
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: CITIBANK, N.A. (TX)

My name is XXXX XXXX XXXX and this is regarding charges to a Citi XXXX credit account account. 

This is in regard to XXXX tickets for a rebooked flight on XXXX XXXX. Instead of the rebooking fee and fare difference, I was charged the full amount of both the initial flights AND the full amount of the new flights even though I only took the second flight and even though what I agreed to was a " rebooking ''. 

Here is what I was charged on XX/XX/XXXX : {$220.00} XXXX XXXX cost of the original flight from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : {$66.00} x XXXX rebooking fee {$310.00} x XXXX cost of the new flight from XXXX to XXXX I took the flight from XXXX to XXXX. 

XXXX XXXX XXXX position always has been that that {$310.00} is the difference ON TOP the old flight of {$220.00}, which would make the new flight {$530.00} per person for their basic math to make any sense. In reality, the new flight was only approximately {$83.00} more than the old flight. There was never a flight that was {$530.00} for me to even agree to on that day between those cities. Every invoice and receipt they have sent me says the new flight was {$310.00} ( or {$83.00} more than {$220.00} ) and NOTHING they have given me has had this {$530.00} number on it which is the only way their math would make sense. 

I have contacted XXXX XXXX over XXXX times. I have also emailed and sent paper copies of my issue to Citi. XXXX XXXX responded to the Citi about the rebooking fee, which was not even the charge under dispute. XXXX XXXX has never responded about the actual charge. 

I contacted Citi again after Citi closed the dispute. Citi says the terms and conditions allowed the merchant to charge whatever they want as long as I said I agreed to it. I did not agree to it, but XXXX XXXX  claims I did. 

Citi accepted the merchant 's rebuttal and sent me a letter saying " We have determined that the services for which you contracted were provided ''. They are not letting me continue this process any further. This is absolutely unacceptable.
Consumer complaint received 2023-11-01
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: Continental Finance Company, LLC (CA)

I am a victim of identity theft. I am a victim of XXXX data breach i have had my account hacked many times here are some documents to prove and back support that 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I am writing once again to urgently address the ongoing issue regarding my account ending in XXXX. The deposited checks, which led to the suspension of corresponding funds, are at the center of this matter. Unfortunately, I no longer possess the physical checks, as they were deposited via mobile deposit and subsequently torn. 

Despite attempts by the check writer to reverse the transactions, their bank, XXXX  XXXX XXXX, has refused to accommodate these requests. This prolonged ordeal has left me in a precarious financial situation, as the suspended funds are urgently needed. 

Considering the complications arising from the unavailability of the physical checks and the check writer 's unsuccessful attempts to reverse the transactions, I implore Wells Fargo to expedite the resolution process. 

Furthermore, if there are any legal avenues available to facilitate the retrieval of these funds, I request that they be explored without delay. Time is of the essence, and a swift resolution is crucial to alleviate the financial strain caused by this situation. 

I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 2020-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

XX/XX/2020 {$4900.00} Was deposited to my cash app account and since that i havent been able to withdraw or spend any of my funds several attempts have been made to contact cash app regarding this situation and the company has yet to try and resolve my issue I would like for your company to reach out to cash app to release my funds I have XXXX new born children that I have to financially support.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

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 2023-07-10
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. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (NJ)

My complaint is with my mortgage company Rocket Mortgage/Quicken Loans . I hope I get a call back so I can explain in better detail, but basically, we went behind on our mortgage and the only solution the mortgage company gave us was to pay {$4500.00} a month for six months which was supposed to correct or make us even from this debt of over {$16000.00} that was missing payments and a lot of fees. I dont know how we did it but somehow for four months we made the payment of {$4500.00} but supposedly for the last two payments, they said ( mortgage company ) that they didnt receive/declined payment because money was caught in electronic limbo land because we had to transfer from different accounts into that one to total of XXXX so they can take it. WELLL, its funny how they had no problem taking it the other four months but at the end now they didnt take. It said they tried we failed to pay and now we owe over {$11000.00}. If we owed XXXX something to start and I gave you XXXX a month for 4 months that I definitely know of. Well, we dont need a mathematician to figure out that thats {$18000.00} right there before they supposedly were supposed to take our last two payments of XXXX each. Thats definitely not all though, not even close. About seven months ago at least my wife took out XXXX from her 401 ( k ) to try to fix this debt of {$16000.00} and the mortgage company WOULD NOT TAKE THE PAYMENT. I repeat would not take XXXX so we can fix this mess and start moving forward positively in our life. No!, they said pretty much the only way to keep our house is to do that payment plan, WHICH, was absolutely setting us up for failure, and they are still in the process of setting us up for failure. PLEASE SOMEONE HELP ME AND MY FAMILY!!! I am XXXX  combat XXXX veteran who served for this country honorably and now I have a Bank who is setting me up for failure who will not take money or payments towards our obviously ever growing debt mortgage problem. Honestly, I am not being dramatic in saying that in my eyes. This is absolutely a criminal act towards not only a born here CITIZEN but an actual XXXX XXXX  veteran who fought for this country so I can hopefully make it HOME and WHAT? With the fact being said that, I truly except and are willing to deal with the consequences of missing payments due to bad life events ; BUT To come back and finally achieve a dream of owning a home in my country that I love to have the banking system set me up for failure, by not taking delinquent payments, so we can get ahead or just even. Someone please call me back and help me with this nauseating situation regarding a financial institution Rocket Mortgage quicken loans. PLEASE. THANK YOU
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA appears to be in another world on this account. It charges a {$45.00} late fee, does not process payments, and has reported the account as delinquent XXXX times over the last XXXX  months. Out and out fraud
Consumer complaint received 2024-05-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BDF Partners, PC (TX)

BDF sent me a debt collection letter dated XX/XX/XXXX purporting to collect a mortgage debt for XXXX XXXX XXXX. I requested a cease and desist and debt validation on XX/XX/XXXX. 

BDF did not send any information supporting it was collecting a debt I owed to XXXX XXXX However, on XXXX XXXX, XXXX, BDF filed a Notice of Foreclosure Sale to sell my home to collect on this purported debe owed by me in less than XXXX days.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX ] [ XXXX trl ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ] Dear Bank Managers I am writing regarding a recent international wire transfer from a bank in XXXX that was converted to XXXX dollars before being deposited into my account ( XXXX ) at XXXX XXXX lack of transparency and communication regarding the exchange rate applied has led to an unexpected loss of approximately {$2200.00}, which I find quite alarming and unsatisfactory. 
The original amount, [ XXXX XXXX XXXX ] XXXX, was sent on [ XXXX ]. However, the conversion to [ {$98000.00} ] dollars upon receipt was not at a rate that I had been made aware of beforehand, nor does it reflect the rates Ive observed in the market. 
I had expected that the amount would be transferred in XXXXXXXX XXXX allowing me the option to review the exchange rate and decide when to convert the currency. The transaction was processed without providing me with any rate information or options, resulting in a significant and unanticipated financial loss. 


Given these concerns, I am requesting the following : XXXX. A detailed explanation of the exchange rate used for my transaction. 
XXXX. A clear breakdown of all associated fees and charges. 
XXXX. An explanation as to why I was not informed of the exchange rate prior to the conversion. 
XXXX. The banks policy regarding customer consent and notification of conversion rates for international wire transfers. 
I believe that as a customer, I should have full visibility into the exchange rates that affect my transactions, especially when they result in such substantial financial discrepancies. I would like to discuss this matter with you in person to better understand the banks processes and to find a satisfactory resolution. 
Please find attached all relevant transaction details for your review. I trust that [ Bank Name ] values its customers and will address this issue with the seriousness it deserves. 
Thank you for your prompt attention to this matter. I look forward to your response and to meeting with you to discuss this further. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-16
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (PA)

I have sent out letter to Equifax about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act. They have not responded back to me in 15 days at all! The status is still open and nothing has been done. EQUIFAX is violating my rights
Consumer complaint received 2023-09-01
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. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX, I requested a quote for auto and home insurance from USAA. I never accepted the quote or became a customer. Today, XX/XX/XXXX, I received a letter from USAA detailing their " privacy promise '' and that they maintain information about me for internal and 3rd party use. I called to ask why and to have my information removed as I have never been a customer. I was told my information would be " restricted, '' but it would not be removed. 
Having been a victim of identity theft and loss of personal information through employers and entities I did business with, I see no reason for USAA to maintain ANY information about be, particularly seeing as I have never become a customer. I want my personal information removed from USAA 's system yet they refuse to comply.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and so fourth thru present Acct Number : XXXX is reporting late payments and C/O on my consumer report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet this information is being reported to my consumer report.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

Old Navy online order XXXX XXXXXXXX placed on XX/XX/2024. 

I ordered 9 items, the online tracking showing all of the times were delivered in 1 package. However, I received an XL size empty bag with only 2 small items inside. The package looked like it had been opened previously and re-taped with clear packaging tape. I filed a claim with Old Navy regarding 7 missing items asking for a refund. 

Additionally, I redeemed my Cash rewards dollars, XXXX XXXX and otherwise utilized a total of {$76.00} in multiple promotions in this order. Since 7 out of 9 items I ordered were never delivered, I had to re-order those items at a full price, which cost me 2-3 times more than the original cost, so I asked to be reimbursed for the difference as well. 

On XX/XX/2024 I received a response from Old Navy customer service saying that my request for a refund had been denied, without any reason or further explanation. I was completely dumbfounded. I was a loyal customer for many years, and buy A LOT from this company on a regular basis. In all my life I've never had to deal with a retail company refusing to refund merchandize I paid for, but they failed to deliver. They can't do that, can they??