davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: OneMain Finance Corporation (SC)

XXXX is reporting {$9800.00} written off from One Main Financial. This account is incorrect as a settlement agreement was reached and {$4000.00} was paid making the amount written of {$5800.00}.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I have applied for multiple chase bank credit cards and I was denied for all of them. The reasons I was denied were all reasons considered to be discrimination under the federal law. I also cant be denied an extension of my own credit. I tried to make things right with chase bank by sending them a hand written letter notifying them of there many violations against I, the consumer and natural person. I have yet to receive a mailed response ( requested by me ) to my notice.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

In accordance with Fair Credit Reporting Act this creator has violated my rights under XXXX5 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Account : XXXX Formerly XXXX For XXXX of XXXX XXXX Day Late Payment
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (KS)

In XX/XX/year>, my Chase credit card offered a no interest period on balance transfers. On XX/XX/year>, I mailed XXXX of their balance transfer checks to XXXX XXXX to payoff a {$630.00} balance. On XX/XX/XXXX, Chase posted the cleared check and charged my credit card {$630.00}. Around the same time, I received a letter from XXXX XXXX XXXX saying they received my check for {$630.00}, but couldnt find an account in my name. Thats because I dont have any accounts with XXXX XXXX I can only assume our terrible U.S. postal service misdirected the letter addressed and mailed to XXXX XXXX. The letter from XXXX included a copy of the front and back of the Chase balance transfer check, clearly showing the payee as XXXX XXXX. XXXX has refused to help and directed me to Chase. I called Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told, at first ( twice ) they would investigate and send me a letter in 7-10 days, which they never did. In XXXX, I was told a stop payment was attempted unsuccessfully in XXXX, which is not surprising since the check had cleared with Chase on XX/XX/XXXX. In XXXX, Chase refused to help and transferred me to someone at XXXX, who said I needed to talk to Chase.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (AZ)

XXXX I requested a loan application. I was approved only XXXX months ago, but did not feel comfortable with the terms of the loan. I was told to reapply again after 30 days. Now I am being denied. I have another loan with this company I have never missed payment, and I have a solid credit score, and I have income, but they do not offer me any options only deny my credit and do not even look at the whole picture. I feel that I was not give a fair approval and opportunity. How can I be approved XXXX months before, now have a better score and now be denied. Plus I have a loan with them already where I have never missed any payments. Does that not count for anything. I have made my payments all my accounts are settled and in good standing but they will not even offer my anything. Why would they approve XXXX loan that does not provide fair terms, and they deny when I try to request another to see if I can get better terms. This is not fair.
Consumer complaint received 2023-11-14
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A letter was sent to my sibling in regard to a debt collection attempt. The letter required her signature for delivery. We live at the same address but she is not a listed party in regard to this financial matter and has no involvement whatsoever ; it was an inappropriate sharing of my financial information.
Consumer complaint received 2023-12-06
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. (VA)

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

There was an unauthorized withdrawal from my checking account on XXXX/XXXX/2020, someone impersonated Wells Fargo and text me a link to click on saying that I needed to verify my identity, I clicked on the link and entered my log in information and they withdrew money from my account by using my stolen debit card information at an ATM without my card by using an access code. The first transaction was for {$200.00} and the second one was for {$780.00}, I immediately called Wells Fargo to report the fraud claim within 30 minutes but now they denied my claim and wont refund me the money that was stolen from my account. My claim number is XXXX. Please help me.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I was charged for a return check fee of {$30.00} by Citi on XX/XX/XXXX with no pre notification. There was no email/letter/app notification about a check issue and I was directly charged for a fee all of a sudden. I didnt even know this return check fee until logged in the Citi app several days after. I thought maybe the money didnt go through successfully, however, the payment was already deducted from my bank account. I reached out to a Citi representative, they told me they cant see if the money was received or not before the XXXX statement closed out and asked me to come back in late XXXX and can refund the fee if the payment was received. I reached out again around XX/XX/XXXX but was sent back again with the reason that the statement didnt close so they cant verify if the payment was received. Today, on XX/XX/XXXX, I reached out to an agent again via the Citi mobile app. The XXXX statement finally close out and they can confirm the payment was received, however, they 1.denied what they said that the fee can be refunded if they received the payment. 2.ask me to ask my bank to write Citi a letter to explain that my bank had an error ( unbelievable, how should I ask my bank to say they had an error while I saw the money was successfully deducted at the first place??? ) Im complaining about 3 things : 1. Being charged for a fee without being notified. If there was an error then I should be notified, I would have been able to call my bank and figure out what was going on. Now I feel I was charged purely based on Citis unfair terms. 
2. I dont understand the intent behind the return check fee. What is Citis definition of a return check fee? Is it a late fee? How late of a payment would be charged for such a fee? My payment was received on the due date with my an auto pay set up. Even the check was somehow returned for the first time, Citi was able to receive the payment on the same day. I need an explanation of why this fee exists. Ive never been charged for such a fee from my other cards. 
3. I was kicked around several times and was told different answers. Two Citi agents told me to come back when the XXXX statement closed and finally when it closed there is another agent told me that it doesnt matter if your statement closed or not, you need to have your bank write to Citi XXXX 

As customer, I dont feel the terms are transparent and myself being notified and respected. Citi didnt lose anything, they received the whole payment on time. I was charged for {$30.00} all of a sudden without being notified, spending a lot of time with different agents, and I wasnt late on payment.
Consumer complaint received 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (NJ)

My daughter and I applied for an assumable mortgage ( {$150000.00} ) and were denied for vague credit reasons. This is despite : -providing in excess of XXXX  documents -having credit scores of XXXX and XXXX respectively -produced documentation of having in excess of {$670000.00} in liquid assets -having a combined annual income of {$190000.00} -having no substantial debt or liabilities. 
It is our understanding that there are criteria that we have to meet to assume the mortgage that are clearly defined. We can't understand how it is possible that we didn't meet those requirements and have been denied for undisclosed reasons. We feel that we were denied either because of my age ( XXXX ) or because the Chase simply doesn't want to allow us to assume the low rate. We will provide any documents or information requested.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/XXXX my account was hacked via fraud I reported it when the charges were still pending. Next day I got a new account. I was given funds back within XXXX businesses days. Now fast forward XXXX  months later the bank sent me a letter that I authorization the transactions and they were taking the money back. They have finally given me the number to the company that did the fraud I have called them and they agreed it was fraud sine I was not there customer. They told me to call bank back to get money back. I called bank and got run around and finial after XXXX hours I have them sending to there corporate office even thou they still taking the money back XXXX XXXXXX/XX/XXXX. To top it off the person who stole my info used my unmarried name. I got married XXXX years ago. Why would the bank even let the charges go through worh wrong name. I have XXXX days to wait for corporate to get back to me. Also my account will be negative {$1400.00}, plus there stupes over draft fees of {$35.00} daily. Wellsfargo is horrible ans dont help there clients. Please help. I can give u more info if needed.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

XX/XX/XXXX I got a weird email and on XX/XX/XXXX my car payment was cancelled but I had money in my bank for my auto payment. On XX/XX/2022 my Wells Fargo account was closed. I was unable to use my card. I got an email and they later sent me a check. I always got suspicions alert on my Well Fargo account. Ive move bank since XX/XX/2022 and have had no trouble since.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-10-11
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

On XX/XX/XXXX, a closing was to take place for the sale of a residence I own. The sale has been postponed due to the following. On XX/XX/XXXX, my closing Attorney contacted my Mortgage Bank, Mr. Cooper, and was advised that I owe {$85000.00} on a Balloon Mortgage. A Mr. Cooper employee e-mailed the Balloon note to us. This loan originated on XX/XX/XXXX, when I closed on the loan of a Conventional Fixed Mortgage for {$85000.00} with XXXX XXXX A comparison of the Balloon Note, and my closing documents I kept from the closing, clearly show that the signatures on my closing documents and the Balloon Note are in no way similar, and both documents are dated XX/XX/XXXX. To date, I have never received copies of closing documents from XXXX XXXX. At closing they refused to supply same. When the notary left the room, I made copies of same which are attached. In closing, I have never signed a Balloon Note. The loan originated with XXXX XXXX, was transferred to XXXX XXXX XXXX, and serviced by Nationstar / Mr. Cooper. My documents regarding the Mortgage is, The New Loan Payment Form list the loan type as a Conventional Mortgage, not a balloon. The form also list the term as 180 months with a payment of Principal & Interest. The Mortgage Loan Commitment list the loan as a Fixed Rate with boxed marked, the Balloon box is not marked.

The Lock-in Agreement list the loan as fixed ( no Balloon ) with 180 months with Principal & Interest. The Itemized of Amount Financed, NJ Application Disclosure, Occupancy Certification, and Mortgage, are all signed and clearly do not resemble the signature on the Forged Balloon Note. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  regarding obtaining my Mortgage Loan Documents related to the Forged Balloon Note. On XX/XX/XXXX, I received forged copies of an Itemization of Amount Financed, Truth in Lending, and Notice of Right to Cancel. An examination of the Itemization of Amount Financed from XXXX XXXX XXXX, is a completely different document from my Itemization of Amount Financed I signed at closing listed above. The signatures and contents of the document are completely different. All contacts with Mr. Cooper are attached documents
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called XXXX  XXXX  and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX XXXX i didn't open this account i asked for contract with my signature and they still have never responded
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened my checking account with Citibank XX/XX/year> and mobile deposited a federal tax return check the same day ( XX/XX/year> ). On XX/XX/year> I received a notification that my check deposit was delayed and that the funds would be available on XX/XX/year>. On XX/XX/year> my account was blocked without warning and I could not access my online account. I called Customer Service on XX/XX/year> and was told that I needed to contact the XXXX Department for possible fraud issues with my check. I was able to get ahold of the XXXX Department on XX/XX/year> and was told that my account was flagged for possible fraud due to the federal tax return check I deposited. I was told that my account was being reviewed and that I would know on XX/XX/year> if my account would be unblocked and if I would have access to my funds. I called today, XX/XX/year>, and was told without reason that my account was being closed and I would receive a check in XXXX weeks as a refund for the check that I had deposited. I need the check sooner than that but they are saying that it takes 60 days for the account to be closed out and that I have to wait until the account is closed. They are essentially holding my money hostage and I am not okay with that, there is no reason that I should have to wait 60 days to be sent my money.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

Dear CFPB, I am writing to dispute the information on my credit report regarding AMEX and XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information.

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on AMEX and XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX 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 XX/XX/2022.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2024-02-05
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: JPMORGAN CHASE & CO. (NJ)

I purchased multiple items with my card.One of them was a sliced ham which looked like ground meat after I opened the package.All the slices stuck together and I could not separate them.They refused to file a dispute with the merchant.The do not honor the purchase protection which has been built into the card.