davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

I do not understand why the CFPB closed Complaint ID XXXX. The issue was not resolved, Chase only answered that they have a right to close an account for any reason. They have not returned my funds that was deposited with them. They closed my account in XXXX 2020, and still have not returned my funds over two months later, as of this date XXXX XXXX, 2020. The letter dated XXXX XXXX,2020, referenced in their response to you, was never mailed to me, and promised phone calls to me not made. Why did I not receive any correspondence from Chase after my account was closed with instructions on when, and how my funds would be returned? The only correspondence is the letter, response, they gave to CFPB. After contacting the CFPB, XXXX XXXX, XXXX Ext XXXX, did phone me and assured me they wanted to resolve this. He informed me he was going on vacation and was referring my case to his associate XXXX XXXX. XXXX XXXX said he would follow up when he returned from vacation, which he never did. Repeated phone calls to not only the persons listed in my original complaint, but since to XXXX XXXX at XXXX Ext XXXX have gone unanswered. 
I followed up, and went to a local branch on Monday XXXX XXXX, 2020, with the verification Chase asked for in the letter dated XXXX XXXX, 2020, which I read as an attachment on the CFPB website, and my funds were still not returned. The branch manager, XXXX XXXX, XXXX of Chase located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, took all of my information providing the proof of the funds I deposited with Chase came from an account I owned. She called Chase executive offices while I was present, informing them I had the verification they requested, and they still would not return my funds. She said she would email them all the information they requested, along with a copy of my drivers license. XXXX XXXX said she would follow up with a phone call to them on Tuesday morning XXXX XXXX,2020 and call me also with the outcome, which she never did. I believe the original XXXX ID XXXX should not have been closed because there still is no resolve. I believe in my original complaint it asked how can this issue be resolved, and I listed return my money! Chase is illegally holding my funds, and not returning them to me.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX report.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (IA)

I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

My Husband and I have been paying our loans through the company XXXX XXXX since getting out of school in XX/XX/XXXX and XX/XX/XXXX. We do have a variable interest rate on our loans but we just received a letter that we feel is not fair. 
Every year our loans go up because of interest increasing but we received a letter on XX/XX/XXXX stating that they made a mistake with the interest rate between XX/XX/XXXX and XX/XX/XXXX and they didn't charge us enough. They are going to ask us to cover the cost of their mistake which coule be a lot of money. My husband owes over XXXX on his loan and I owe about XXXX ; so a year of lower interest could be thousands of dollars. 
We already pay this company XXXX and XXXX a month and are struggling to make those payments. 
Please let me know if this is acceptable I can attach the letters below There are no financials details as well, which is normal from this company. 
In previosu years when our loans amounts increased instead of sending letters, informing us of our new bill amount, we get phone calls regarding late fees because we didn't pay enough money in the previous month. 
They are very frustrating to deal with Thanks XXXX XXXX
Consumer complaint received 2018-03-28
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: SYNCHRONY FINANCIAL (GA)

I had 2 credit cards with the XXXX XXXX card. I had card insurance in case something happened and it did. I filed the proper claim with the card company. I was advised I would receive a letter requiring me to return I never received documents. I reached out on several occasions for documents and still have yet to receive.Insurance made 1 payment to 1 account and I filed for both accounts. I was advised I needed to speak with 3rd party company which was a collection company telling me my account have been charged off which should have never taken place. This is at no fault of my own. 
XXXX XXXX XXXX : has never made any insurance payments on my behalf documents always promised but never received was often told it would be emailed but nothing multiple points of communication requesting document noting provided.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TX)

Every time a XXXX XXXX with a XXXX # # # number calls ( the number changes as I keep blocking them ) if I pick up the phone, I get no response, except for the first time when they were looking for my ex who I have not had contact with for years. I told the woman he wasn't available and she said they would call back and immediately hung up. Now they call every day and leave blank voicemails, no matter how many times a block on of their numbers.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

1 ) It appears that a credit card has been fraudulently opened in my name with " XXXX XXXX / XXXX XXXX '', which may have a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX.

2 ) I have never heard of XXXX XXXX / XXXX XXXX, I have not applied for any credit cards in years, I knew nothing about this and did not authorize it.

3 ) I disputed this via XXXX as fraudulently opened / not mine.

4 ) XXXX XXXX / XXXX XXXX '' has denied that it's fraudulent but rather responded that the account is valid.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Shel point mortgage is asking for bank statements and a letter hardship for COVID 19. 

I called and stated I have a COVID hardship. I was requesting an Forbearance extension and never had to submit this documentation before, so why has it changed. these times are very difficulty and i truly wish Shell Point Mortgage would educate their employees on the correct protocol due to COVID 19. 

The investor of my mortgage is XXXX Bank and I checked their website and they follow the same procedures as the CARES ACT, so why is Shell Point Mortgage asking for this information.
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX  bank I never took out a loan for {$5000.00} from XXXX Bank
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP (IL)

XX/XX/XXXX2020 : I contacted USBank about an auto loan and began the process. -- - XX/XX/XXXX2020 : The online application repeatedly errored out so I contacted USBank by phone. -- - XX/XX/XXXX2020 : I settled on a vehicle and finalized my application. I was informed I was approved for the loan by both a USBank customer service representative, USBank Loan Processor XXXX XXXX XXXX ), and USBank Branch Manager XXXX XXXX XXXX XXXX for a term of 60 months at a rate of 4.59 APR and a payment of {$330.00} for a XXXX XXXX XXXX XXXX : XXXX. Upon arrival at the branch to finalize the loan I was informed the term was changed to 48 months at a rate of 4.34 APR and a payment just over {$400.00}. The branch manager XXXX XXXX XXXX XXXX was unable to contact a processor to revise the loan due to the time. He did contact the dealership which agreed to allow me to take the vehicle that evening with a deposit and collect the check from USBank later in the week after the correction. -- - XX/XX/XXXX2020 : XXXX XXXX contacted me at XXXX to inform me that the bank would NOT correct the loan term as agreed and had decided due to the age of the vehicle would now only approve the 48 months with the higher payment. USBank had already run my credit multiple times as a result of the online application errors and I already had possession of the vehicle with a deposit at the dealership ( not refundable, though I did not ask for an exception ). As a result I felt forced to accept the revised terms ( bait and switch ) from USBank in order to avoid resulting losses and costs. 

XX/XX/XXXX 2020
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX-XX/XX/XXXX, XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-XXXX- XX/XX/XXXX , XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX   about this issue and they still wont remove these inquiries that wasnt authorized by me.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, 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. (NY)

XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-NY- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX about this issue and they still wont remove these inquiries that wasnt authorized by me.
Consumer complaint received 2020-08-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I had a CD in the amount of {$6200.00} that matured on XX/XX/2007. My family misplaced the paperwork and recently found it again. It did not roll over as anticipated. HSBC says that they sent it to New York State 's unclaimed funds, but our searches on the unclaimed funds database do not show it there. 

I would like to claim these funds and have HSBC identify their location. 

Thank you.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

So I opened the CitiXX/XX/XXXX Visa Signature Card XX/XX/XXXX ( as far as I can recall ) and closed it XX/XX/XXXX, the reason I got this card is because it has a benefit that after spending {$10000.00} in a year you receive a XXXX anniversary night valid on weekends on most XXXX   properties. The first year I received the night as promised after completing the spend. Second year ( XX/XX/XXXX-XX/XX/XXXX ) I was never credited with the anniversary night, I reached out to Citi to clarify the issue, long story short after a whole bunch of phone calls I finally spoke to someone who understood the issue, she pulled up the statements and confirmed that indeed I had spent more than the requisite 10k ( ~ {$10000.00} ) and said it was odd that I was not credited with a free night. She said the most she could do was credit me {$100.00} but she understands that the night is worth more ( it can be worth upwards of {$1000.00} ) so she will put a note on the account. I call a week later and find out I got a {$100.00} credit ( which I specifically said I was not willing to take ), spoke to other reps who said they will escalate the issue and I should call back in 3-5 Business days so I called back and after waiting 30 minutes on hold was transferred yet again to XXXX who of course claim they never got the anniversary certificate and I need to speak with Citi. Since then I called 3 more times finally I was transferred to someone who told me that the account was examined and I wasn't eligible, I replied that I had the statements and it didn't make sense, to which she responded that I could send in the statements by mail and file a complaint.

I have spent many hours on hold simply asking for what was clearly in the XXXX XXXX XXXX at least three times representatives simply transferred me to XXXX thereby wasting my time ( since it's not XXXX 's fault I was never given the certificate ). It is amazing how I keep getting stonewalled until finally someone simply tells me that they don't want to give it to me and can not provide any support for their position. I have never missed a payment, NEVER had a late payment and feel that the whole handling of this situation is terribly unfair. Any help would be greatly appreciated.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

Complete Payment Recovery Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX This is a debt collection agency of whom are collecting on a debt for XXXX XXXX  I was contacted about a check for {$530.00} that I cash through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was notified the check was returned by the collection agency. The payroll check was cleared through pay pal, but XXXXXXXX XXXX sends me a debt for the amount of my check {$530.00}. My check was cleared by me cashing it and writing void on my payroll. Complete Payment recovery claims that I owe for the full amount above but, the payroll check was cleared through XXXX XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I deposited my paycheck from my employer as usual through suntrusts mobile check deposit app feature. The check was received by the service and I was told the check was put on a hold, for what I thought was the weekend due to them being closed but in reality ended up being something completely unexpected. Without being notified in any way my account was closed/ frozen. The reason they gave me was fraud even though there was nothing fraudulent with the account or the check deposited as all my coworkers checks deposited through their respective banks with no issue. What can be done about this? as it is apparent I am not the first to have an issue of this kind. Locking off peoples access to their funds is serious and the way they have responded to any complaints or questions is sickening. When called they are quick to say they are not obligated to tell me anything about what is going on and that my local branch cant help me. And next say they are going to determine if THEY think I should get MY money through their investigation that will take about 15 days. This bank is making interest off of the money of people who can no longer afford to pay their bills or rent. This is plain disgusting. My employer has told me that the check cleared on his end so he does not need to give me that money which was called fraudulent so if suntrust decides to keep it that is plain and simple theft
Consumer complaint received 2022-09-15
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. (GA)

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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. 

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Consumer complaint received 2023-03-23
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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