davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (WI)

I received an alert from XXXX on XX/XX/XXXX, notifying me of a hard inquiry from Cash Central, which resulted in a credit score drop of XXXX points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I contacted Cash Central from the number listed for them on my XXXX credit report ( XXXX ), and spoke with three different people for a total of XXXX XXXX ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with XXXX to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like Cash Central to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted XXXX to file a dispute and spoke with two different people for a total of XXXX XXXX ( the majority of those minutes also spent on hold ), but was told because Cash Central did this in error, there was nothing they could do, and I had to contact Cash Central to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XX/XX/2022 XXXX XXXX XXXX " XXXX '' were made 2 payments from our account in XXXX " XXXX '' XXXX XXXX XXXX of {$40000.00} and {$18000.00} to account in XXXX ( XXXX ) XXXX XXXX  XXXX BUILDING ( HSBCCNSHXXX XXXX XXXX 
The payment was made from buyer to seller to finance the product. 
The intermediary bank ( JPMORGAN CHASE BANK , N.A . ) informed that the payment can not be processed in accordance with original instructions due to sunctions under the Russian program under regulations issued by the OFAC. 
In order to apply to XXXX for a Payment Release License, XXXX XXXX must obtain confirmation of the payment blocking date. 
However, since XX/XX/2022, the JPMORGAN CHASE BANK , N.A . has ceased to respond to all requests fromJSC " XXXX XXXX and does not send a message about blocking these payments. 
XXXX XXXX XXXX " XXXX '' asking you to oblige the Bank to send to us the specified confirmations of the date of blocking payments. 
With best regards, CEO XXXX " XXXX ''
Consumer complaint received 2017-03-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors
Consumer complaint received 2023-08-22
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: Possible Financial Inc (OH)

In accordance with the Fair Credit Reporting Act POSSIBLE FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSSIBLE FINANCIALXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

The company forged my initials for a judgement and filed with the court. The violated my personal data. They do not have my whole social security number they are a debt buying company that only has last four digits as social security and has filed judgement and collected money from my pay check off false allegations. They can not provide a through review of transaction history of an agreement between me and them. I called the company and spoke to several advocates no one could properly identity me. I do not go by that name. they could not furnish a proper case number for my case to be identified. They submitted false documents saying they served me at a certain address in 2022 which was not true the description of me is invalid and they can not properly validate the debt because they can not provide proof of my identity. They do not have photo identification of no sort nor the documents proven the collection of debt was sufficient. They do not have valid telephone numbers nor any supporting documents. Under purge of law of TX debt buyers must supply sufficient documents and prove the amount is owed to them by producing statements of the transaction on the account they say I owe. They have violated my rights by using the last 4 digits of my social security to try and validate a debt owed. The have violated public law 95 109, 15 us code 1692g violated FCRA law for not providing details and actual charges and purchases to validate account. section 1692g ( a ) ( 3 ) was not followed.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Due to technical issues on the companies end, the payment history on my credit report was reported 30 days late for the month of XX/XX/XXXX. I have contacted the company, XXXX XXXX XXXX, several times via emailXXXX  ticketing, and requested my payment history be updated. The most recent request was XX/XX/XXXX - I was advised the following : " Thanks for your patience while I looked into this for you. 
I've submitted a request to our credit team to correct our reports to reflect that payment was made on time. It was processed. 
Our credit team will update your report as soon as possible. However, please know that updates to your credit report may not reflect immediately because credit bureaus and credit monitoring platforms, like XXXX XXXX, take some time to process the updates. '' As of XX/XX/XXXX, the payment history is still reflected incorrectly. I've submitted several disputes to Experian, with provided documentation, and it has still not been corrected. Recent Disputes to Experian : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All disputes have not yielded proper results
Consumer complaint received 2023-03-07
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)

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TN)

company has been paid settlement offered by XXXX but refuses to update credit file after several calls the last one as of today. Per the fair credit reporting act this is affecting my ability to obtain a car loan. credit acceptance is showing im 120 days delq on a loan that should say paid and full
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Experian is furnishing inaccurate information on my consumer reports which is a direct violation of 15 usc 1681e ( b ). 

XXXX XXXX and Experian are violating my rights that are federally protected. 

Experian deleted this account and it has reappeared on my credit file which is illegal!
Consumer complaint received 2023-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Its been over 30 days, Experian, XXXX and XXXX haven't shown prove that I owe XXXX XXXX nothing. 

On XX/XX/23 I sent all three credit Bureaus a 609 letter.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (AL)

I have been a customer with Speedy Cash XXXX loans online for several years. Then I experienced a sickness and had to extend my payments and I paid the loan off the end of XX/XX/2023. Then, I attempted to apply for another {$500.00} ( payday ) loan and the company told me I had to wait 60 days. I waited the XXXX days and today ( XX/XX/2023 ) then, I applied again today for a payday loan and all of a sudden the company denied my application again, all of my information has been the same for the last XXXX years when Speedy Cash has been approving my payday loans. 

Then all of a sudden the company is telling me they can not verify my banking information. That doesn't make sense because the information has been the same in the previous XXXX years when, I would applied and was approval for a loan. 

Now my spouse and I can not share the same banking account. Therefore, they deny my application and I feel the company has discriminator against me. I was referred to Speedy Cash by several friends that share the same banking account with their spouse and Speedy cash has approved their loans for years but, they are of other ethic groups and that is why I am complaining about been mistreated.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

first thing my mortgage started eleven years ago, started through my bank was sold to XXXX right away, i refinanced the mortgage went to XXXX, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with XXXX long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and XXXX said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said XX/XX/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV XX/XX/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance XXXX should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

This is the second complaint on how my fathers account was closed and still no one can tell me how. My father XXXX XXXX XXXX passed away XXXX XXXX and he had a joint account with his girlfriend XXXX XXXX. I was able to close is personal account as soon as I had the death certificate but not the joint account since XXXX was still alive. But unfortunately she could not take my father off the account with out me since they were not married and she was unable to get his death certificate. So I was willing to go down with her to take him off. But unfortunately she kept putting it off and she had passed away two months later. I was told by Wells Fargo the account can not be closed unless both next of kin were present with both death certificates and IDs since they were not married and there was no Wills or Trust. If no one agreed on who got what we were told we had to take it to court which no one had done. I had been trying to close this account for months and kept getting the run around from the bank. I even had a letter from the bank stating both parties must be present. I was just recently told the account had been closed by XXXX 's son and that was that. When I called the bank they couldn't give me any information over the phone so I went down and was given the run around several times. When I finally was able to talk to a manager they said they don't know why it was closed and since it was closed they would have to have the Estate department call me by XX/XX/2023. Well here it is Thursday XX/XX/2023 with no call no explanation. I need an answer on why this has happened with my fathers account. I am the only living child of my fathers so no one is able to get anything legally but me. There was no one on my fathers account but him and his girlfriend, so with that being said no one can close the account until both next of kin have gone down together and shown ID with both death certificates. I want answers.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (GA)

XXXX XXXX XXXX XXXX GA XXXX was under a tax appeal and all real estate tax due were paid as per XXXX XXXX XXXX XXXX timely. Quicken Loans AKA Rocket Mortgage loan # XXXX, with monthly payment of {$920.00} monthly, the mortgage company made a tax payment from a non-existent escrow account. I reached out to the mortgage company to give them the details of Tax Appeal and that all tax due was paid. I demanded they remove the escrow account they created erroneously. I then made contact with XXXX XXXX XXXX XXXX office and was informed that they have returned the funds {$860.00} they received from the mortgage company. XXXX XXXX XXXX XXXX office have provided me with a copy of the canceled check # XXXX for {$860.00} ( Attached here in ) that was deposited on XX/XX/XXXX by the mortgage company. This is a complete restitution of all payments they made on my behalf. Yet they are still making collection efforts on the amount of {$1600.00} that has already been paid XXXX + XXXX {$1700.00}. Ive made many attempts to resolve this with the mortgage company and they still refuse to recognize the funds received. They are threatening to charge a late payment penalty and mar my credit rating. 
On XX/XX/XXXX Rocket said the following via an email. 
Rocket Mortgage reserves the right as the loan servicer to pay at any stage of delinquency. 
The problem with the statement is that there was never a delinquency of any kind, and they knew it at the time. It is the reason XXXX XXXX XXXX XXXX returned the funds. 

Rocket Mortgage has published false financial information on their website. 

This mortgage has been paid timely since loan origination XX/XX/XXXX. XXXX XXXX history in attachments with all the other documents I provided
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I was {$100.00} shy of paying off my XXXX XXXX on the last month of promo and got charged {$2200.00} in interest. I explained to them how I thought it was taken care of because I had it on autopay and admitted it was my fault for being {$100.00} short ( I would have paid it off obviously ; it was an honest mistake ). They do not care. They all said they couldn't help me. I'm very devastated as I don't know how to pay this off now. How do you pay {$200.00} every month for 2 years and have a balance of {$100.00} go to {$2200.00} overnight. Very bad business practices.
Consumer complaint received 2023-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX XXXX and Bank of America won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. 

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.