davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BSI Financial Holdings, Inc. (CT)

My monthly mortgage payment is {$1900.00} Plus dollars. A portion of which is the PMI payment. I do NOT want a refinance. I want the PMI removed because my house was purchased more than 2 years ago and the property has appreciated more than the required amount for the PMI to be removed.

I have submitted an application for this to be done. I have also obtained and paid for an appraisal and still the bank will not remove the PMI from my mortgage. I have been at this for more than 3 months now, and yet it is still not done.
Consumer complaint received 2023-12-19
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) incorrectly reporting a debt on my credit report that i have filed a fraud report on. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting.

i've had an police report generated and this is the date and location i've made my report XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL i sent out multiple dispute letters to have this issue resolved and have gotten nowhere. 

the amount reposted from this fraudulent action is {$9600.00} reported on Date Reported XX/XX/XXXX but open on XX/XX/XXXX and reporting on all major bureaus.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I made a {$250000.00} USD Wire Transfer through TD Bank in XXXX, MA to XXXX and was supposed to receive XXXXXXXX XXXX but there was a shortfall of {$9900.00} USD and I only received XXXXXXXX XXXX  from the receiving bank. 

I contacted TD Bank on XX/XX/XXXX and they opened an investigation to find out what had happened. 

On XX/XX/XXXX there was an email from the intermediary bank, XXXX, to TD Bank saying that it seems that XXXX had not gotten the funding for the {$250000.00} from TD Bank and that they would further advise TD on the matter. However, that was the last communication with TD Bank and on XX/XX/XXXX TD Bank closed the investigation without any resolution to the money shortfall. 

XXXX reference : XXXX XXXX UNDER REF XXXX XXXX TRANSACTION XXXX AMOUNT XXXX
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I currently have over {$100000.00} in federal student loans. Prior to XX/XX/XXXX or XX/XX/XXXX, three of my six loans were already in the SAVE program ( I assume this is because I had previously applied on studentloans.gov ), whereas the other three were inexplicably still in a standard repayment plan. Payments were regularly posted and due, and the SAVE plan worked as it was designed to do by eliminating the interest accrued upon making my monthly payments for those three loans. 

Sometime in XX/XX/XXXX or early XXXX of XXXX, I applied for the SAVE program on NelNet for all six of my student loans. This was seemingly approved ( I certainly qualify for SAVE ), but Nelnet placed all six of my loans in a payment forbearance. 

Now, Nelnet refuses to restart my monthly payments until XX/XX/XXXX. Because I can not make monthly payments under the SAVE program, interest is accruing on my student loans. This will cost me several thousands of dollars. I have contacted and called Nelnet. They told me nothing could be done. I asked where the XX/XX/XXXX date came from, and they gave a vague answer. I asked why the three loans that were already in SAVE had to be affected by this, and they stated that all loans had to go into forbearance together. 
They are deliberately avoiding entering the SAVE program and costing consumers thousands of dollars.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Good Morning, I previously held an account with Dell Financial Services, during which time I had set up automatic payments and text notifications to ensure my account remained current. However, Dell Financial Services transferred my account to Comenity without informing me, resulting in the discontinuation of my automatic payments. I did not receive any text or mail notifications regarding my overdue account, and only became aware of the issue when it was reported as past due for the month of XX/XX/2023 on my credit report, which I monitor using the XXXX app. Upon contacting them, they explained that the account had been sold to them and acknowledged that while they had my registered phone number, the address on file was incorrect. They refunded the late fees, but my credit score remains affected due to their mishandling of the account. It's worth noting that they could have easily contacted me via text if my account was past due, mitigating this issue. Please find enclosed the statement confirming the refund of late fees, as they have acknowledged their mistake.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

On XX/XX/year> I informed Citibank that my husband died. They closed our account. There was a credit balance and reward balance. For the rewards balance, they told me to send a letter or email & include : " I am requesting rewards from account XXXX. Please send the rewards to my address '' ( which also is the address on the account ). I also was to include a copy of the death certificate. XX/XX/year> I immediately prepared the email & submitted it with the death certificate. XX/XX/year> Called CB to ask where the money was. I was told I should have it with the closing of the 3rd billing cycle, XX/XX/year>. No check so I called again on XX/XX/year>. I was told the check for the credit balance on the account had been mailed on XX/XX/year>, but when I asked about the reward check I was told they needed documentation showing I was the executor of the estate. NO ONE HAD SAID ANYTHING ABOUT NEEDING ADDITIONAL INFORMATION SINCE MY FIRST CALL ON XX/XX/year>!! They didn't need any additional documentation for the credit balance. That check was sent XXXX my husband 's estate at the mailing address on the account. WHY IS THE REWARD CHECK ANY DIFFERENT? I immediately sent a copy of the page of my husband 's will which clearly shows I am his executor. I still as of XX/XX/year> do not have the money that CB has owed me since XX/XX/year>
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

This company had already approved me for the XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. In fact, based on that approval I had already made a purchase at a jewelry store called XXXX XXXX located in XXXX XXXX, CA. on that same day. 

On Saturday XX/XX/year>, I returned to the same place to make another purchase which was within the approved limit but the merchant informed me that the creditor had declined the request! 

On Monday XX/XX/year> I reached out to the credit entity to find out what the issue was. After a number of attempts, a representative named XXXX informed me that account was undergoing a review and that I might end up being declined!! 

As a XXXX XXXX and XXXX XXXX XXXXXXXX, I had never ever heard of a creditor initially approving an applicant and then doing an account review subsequently. 

Therein rests my complaint against this creditor.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This complaint is regarding Chase bank, who has denied a claim regarding a fraudulent charge. 

- On XX/XX/year> I received a call ( anonymous ) warning me that I was about to be scammed. I assume this was for the purpose of confirming a phone number associated with the card number. I immediately saw a charge {$1200.00} from XXXX XXXX and froze my card- I called Chase fraud department. The operator pulled up the charge, noting that there had been several attempts at purchases for much larger amounts, declining until one went through successfully.

- I received the temporary credit for the charge. 

- XXXX refunded my card. Obviously, the card was frozen/closed by then so the amount never hit my account. 

- The charge hit the account again on XX/XX/year> - I called the Chase claims department, who confirmed that the claim had been denied, due to lack of documentation. I inquired what documentation might be acceptable to accompany a purchase I did not make. She only repeated anything you can come with. She provided no support or additional resources. 

- I went immediately to my local branch. Rather than providing me with the requested banker, I sat with the very young lobby greeter while she called the banker support line and received the same information. Because I have purchased a plane ticket with XXXX before, they dont believe it is unusual activity. 

- Chase is unable to provide a copy of the statement including the previously confirmed multiple declined charges, and somehow the Claims department either didnt look at this, or didnt find it suspicious. A second call to fraud and their debit specialist who are unable to grant me access to this information regarding my own account. 

- I sent Chase a transcript copy of a chat with XXXX, who confirmed that a change was made to the ticket on a card that is not my own, along with paperwork confirming the whole transaction, including a full refund. 

- The fax was never received. I have tried three times, most recently XX/XX/XXXX, at two different branches, one banker accompanying the fax with an email as well. The documents are never received, and any time I call, they are at a complete loss of what to do. 

I am out of ideas. This is a sizeable charge that I did not make. Not that it matters, but I only fly XXXX in the direst of circumstances, as they have burned me multiple times in various ways. They are the absolute worst company my scammer could choose for me to do battle with. Please look into this thoroughly, including the super-secret records of the various declines leading up to the purchase. Obviously, I would be aware that my debit card wouldnt support charges of those size. XXXX can do nothing further, they have processed the refund, and say it is now up to my financial institution. This is now theft on the part of Chase bank.
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NV)

On XX/XX/XXXX I purchased a XXXX  XXXX XXXX from CARVANA. I have had the car now for four months and was told today that my rear brake pads completely need to be replaced. I purchased CARVANAs premier CarvanaXXXX and they say that those things are covered. However, this is a safety hazard and given that Ive driven less than XXXX miles and the vehicle has less than XXXX miles, the brakes should not already be going out. I have reached out to XXXX with no assistance and I have reached out to Carvana who continues to send me back to XXXX instead of finding me a solution. This is not the first problem that I have had with CARVANA as they delayed getting me my title information by a week ( took over 3 months ) and wouldnt assist me with an additional moving permit or registration causing me to have to leave my car sitting before I could finally get another DMV appointment.
Consumer complaint received 2023-03-17
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. (TX)

I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 2023-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (FL)

i have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. 

Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. 

With the newest card account I did contact the creditor directly and spoke with a XXXX & XXXX both of whom could not do anything until another report was filed with the FTC. 

Please see both police report number below. 

case # XXXX : XXXX case # XXXX : XXXX
Consumer complaint received 2024-07-18
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: SANTANDER HOLDINGS USA, INC. (NV)

I reached out to Chrysler Capitol in regards to an item on my credit since XXXX. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all 3 bureaus. I have disputed this with all 3 bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. Chrysler Capitol is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.
Consumer complaint received 2023-12-14
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX ( PORTFOLIO RECOVERY ) 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 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer do not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-26
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: TD BANK US HOLDING COMPANY (CA)

I have applied for car loan with XXXX on XX/XX/XXXX and loan got approved. But I see below unrecognized hard inquiries in my report in XXXX and XXXX. I tried contacting XXXX and XXXX but asked me contact creditors. Creditors are not reachable, I don't have any account with them and I don't know anything about these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TD AUTO FIN Inquiry date - XX/XX/year> I am unable to reach them, so filing complaint to remove those hard inquires from my credit report.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

Unauthorized transactions occurred on my account due to a hacker getting into my accounts and money was transferred without my authorization resulting in me being a victim of identity theft. Two transactions where made at the same time to the same hacker. 1 transaction was approved for a return but the other was denied.