davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (WA)

On XX/XX/XXXX I went on the car purchasing website Carvana and attempted to purchase a vehicle. Everything went smooth. Everything was doing what it was supposed to do until the very end in which Carvana tried to effectively lie and gain illegal access to my bank account for purposes of verification. However, this is not what I consented to nor is it what Carvana does. I feel deceived and lied too and I feel my financial information is at risk. I have attached a screenshot of the exact verbiage and wording and how they intend to verify my bank account. In the verbiage it says that they are going to obtain a credit report from a consumer reporting agency. It says nothing about looking at my bank account looking at the balance in my bank account, transacting on my bank account including making decisions on purchasing a vehicle. It says that they are going to obtain a credit report from a consumer reporting agency to verify that I have a bank account, thats not what theyre doing. I consented to Carvana obtaining a credit report from a consumer reporting agency. Not deceptively gain access to my banking information and other sensitive financial information.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/year> I am writing to dispute my reduction of my credit rating from XXXX to XXXX due to a one time 30 day late payment of XXXX  for my credit card account ending in XXXX. 
My late payment was an error on my part. However, I have always had a high credit rating and because of this one transaction I should not be penalized by having a significantly lower score.

The lower score caused by the 30 day late payment on my report is unfair and severely damages my credit. In the next coming months, I will be in the market for buying my first home and the lower score will hurt me significantly due to a late payment balance of XXXX 
I am requesting to have my 30 day late payment removed on all credit reporting agencies for the following reasons : XXXX. Bank of America stated my account was 60 days past due. This is false. I attached a statement for reference. The total due is on the XXXX of every month. On XX/XX/XXXX, I had a balance of XXXX} and I paid it in full to have a XXXX balance. On XX/XX/XXXX, in a new cycle, I made a charge of {XXXX. On XX/XX/XXXX, I had a charge of XXXX}. I logged in to make my payments however, the XXXX} was the only charge posted. I made that payment on XX/XX/XXXX. This cycle falls between XXXX XXXX XXXX 
XXXX. On XX/XX/XXXX, XXXX, my credit monitoring service, notified me Bank of America reported a 30 day late payment. As soon as I was aware of a late payment, I paid in full and set up auto-pay to prevent further issues from happening. 
XXXX. I did not receive a notice from Bank of America that I had a late payment. Had I known, I would have made a payment much sooner. I also had the funds to pay in full as well. I am providing statements to show my balances. 
XXXX. During this time, I was living in an apartment without heat in the winter months in XXXX XXXX and had to move out quickly because the landlord refused to fix the issues. I moved out and found a new place immediately and was focused on settling in to my new apartment as fast as possible. That was my priority and this was a very stressful time. 
XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX at Bank of America. I explained my situation and she assured me the delinquency payment would be updated from all credit bureaus and marked as current. This conversation was recorded. I feel her statement should be honored. 
XXXX. A friend of mine, who is with Bank of America, had a similar circumstance while his mother was in the hospital and requested to have the late payment removed. Bank of America was able to update the payment history. 
XXXX. For over 20 years, you can see I have not missed one payment and have been responsible. 

For these reasons, I am requesting my 30 day late payment to be removed and changed back to current on all credit bureaus. This would restore my credit rating back to where it was previously to be in a good position for purchasing my first home. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 a account without my written instructions
Consumer complaint received 2015-08-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. My wife and I, both XXXX, foolishly signed papers pretending to sell our house in order to prevent foreclosure. 
2. We want to clear the title, loan still in my name, resume mortgage payments, now considerably reduced. 
3. Do not include sensitive information like your name, contact information, account number, or social security number in this field. So what " my information '' can I give you? 
4. 2008 $ XXXX mortgage5. Review?
Consumer complaint received 2024-01-17
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. (NY)

I have been back and forth with XXXX and equifax on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (AZ)

I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NE)

I have been paying on my loan for over 10 years now and don't see the balance go down. I can't get anyone on the phone to have my payments during the pandemic go interest free or get information about the recent {$10000.00} relief as I make under {$120000.00} a year and or {$250000.00} jointly.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

put in for XXXX  XXXX XXXX XXXX cant get hard copy on trans union, XXXX, XXXX dont come up
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!
Consumer complaint received 2016-10-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (MD)

On XX/XX/XXXXXXXX  I received multiple calls from different people and telephone numbers claiming to be representatives of Penn Credit Corporation demanding I pay {$3500.00} or I would be subject to judgment. 
On XX/XX/XXXX, I noticed an alleged collection on my credit report from Penn Credit Corporation negatively impacted my credit score and financial standing. 
On XX/XX/XXXX, I typed and mailed letters to XXXX, XXXX, XXXX and Penn Credit Corporation to dispute the validity of the debt. 
After receiving no response for months, I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXXXXXX  and received notification that the companies were in response to my dispute and to wait for correspondence. 
On XX/XX/XXXX I received notification on XXXX XXXX  that between XX/XX/XXXX and XX/XX/XXXX your Penn Credit Corportat collection was removed from your credit report.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I lost my wallet car Keys phone with everything on it a scammer took all my information went into XXXX XXXX and withdraw XXXX singed my signature and chase is telling me theres nothing they can do denying my claim I singed a ucc forgery packet they wont give me my money my account was hacked and scammed I provided them with paper work everything they asked for
Consumer complaint received 2017-04-17
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

I have several cards that have expired in XX/XX/2016 with value left on them. I spoke with citprepaid at XXXX and asked for the money to be reissued onto a new card or have a check issued. They explained once card has expired, they are unable to touch the funds. The agent said her hands were tied and I would not be able to access the $ amount.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Subject : Complaint Regarding Failure to Receive Promotional Bonus from U.S. Bank Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank for their failure to provide me with the promised promotional bonus, despite my having met all the specified requirements outlined in their promotional campaign. This issue pertains to a business checking account promotion that promised a significant reward for maintaining a certain deposit over a specified period. 

To summarize, I received an invitation from U.S. Bank on XX/XX/year>, to open a business checking account with the promise of a {$750.00} bonus for depositing {$15000.00} and maintaining it for over 60 days. I promptly met these requirements, only to be later informed that I supposedly did not fulfill another condition not previously communicated to me. 

For your convenience, I have included several attachments with this email : At attached documents include my checking account approved proof screenshot and 6 month bank statement of this account. 

Despite numerous attempts to resolve this issue directly with U.S. Bank, including multiple communications with their customer service department and provision of all requested documentation, my efforts have been fruitless. It has now been several months since I satisfied all promotional criteria, yet the promised bonus remains uncredited. 

This refusal to honor a clear promotional commitment not only constitutes a breach of agreement but also represents a broader issue of trust and integrity within the banking sector. I am therefore reaching out to the CFPB to seek assistance in resolving this matter, ensuring that U.S. Bank is held accountable for their promotional practices. 

I believe the CFPB 's commitment to ensuring fair banking practices and protecting consumer rights positions it uniquely to address and rectify this situation. I am hopeful for your support in securing the promotional bonus rightfully owed to me by U.S. Bank. 

Thank you very much for your attention to this important matter. I am eager for a resolution and remain available should you need any further information or clarification. 

Sincerely, XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

I have had the Chase XXXX XXXX XXXX card for 6 years now. Every year they send constant emails stating " Earn up to XXXX bonus points per year - that's XXXX bonus points per friend who gets a XXXX XXXX Credit Card from XXXX! ". 

In XXXX, I referred XXXX friends to the card so I earned XXXX XXXX points. 

On XX/XX/XXXX, I received a XXXX from Chase for {$800.00} of XXXX. I called them to ask what this income was, they said it was from the XXXX points I received. I said that it was never made clear that these " reward '' points were taxable AND the points to $ ratio is completely unfair and invalid. 

Chase claims that XXXX XXXX XXXX {$1.00}, they set this rate not XXXX XXXX Called Marriott XXXX confirm that ). Most XXXX hotels are around XXXX points a night with generally converts to around {$350.00} - that would be XXXX points per {$1.00}. Now this rate is completely flexible, as to redeem the XXXX points, it's based on Marriotts decision of points per night based on the price - there is no set {$1.00} per XXXX points. 

So, because I received XXXX points from Chase ( not XXXX ), I am paying roughly {$170.00} in taxes. So essentially in my eyes, the XXXX points are worth closer to {$450.00} to {$500.00} ( dividing the XXXX points by the more realistic point value of XXXX points per {$1.00} ). So in the case that XXXX used an honest and realistic point to $ value, the " income '' would have been under the {$600.00} threshold that forces companies to report to XXXX IRS and I wouldn't be paying {$170.00} of taxes on this. 

Also, even XXXX XXXX states that XXXX bonvoy points are worth about {$0.00} each when redeemed for a stay. This would make the value {$640.00}, not {$800.00} like Chase claims, which sure would still call for a XXXX BUT XXXX proves XXXX XXXX that Chases {$1.00} per XXXX points claim that they are filing to the IRS is XXXX. 

My other major complaint is this is all the fine print of their emails on refferals reads in regards to taxable income ... .NOWHERE does it state that after XXXX referral, you will pay taxes, despite that they constantly email to say " you can refer up to XXXX friends per year '' The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS XXXX a Form XXXX ( Miscellaneous XXXX ) or Form XXXX ( Foreign Persons XXXX. Source Income Subject to XXXX ) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes.
Consumer complaint received 2021-10-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (TN)

Most definitely the worst financial institution I've dealt with. We tried to obtain a mortgage for home in a community and it was so unnecessarily stressful. From the moment we first got the " approval '', they kept asking us for documentation that can not be obtained for someone who is not a US citizen, you can't ask for a US passport if the person is not yet a US citizen. The loan originator XXXX XXXX was horrible during the whole process and didn't even know what type of ID we needed. I had to call customer service with 21st mortgage because the representative at the community we were trying to buy the home from has worked with 21st mortgage for a while. I called 21st mortgage again and was helped by a XXXX who then transferred me to an XXXX without even telling me and he said he would " give me a call back '' with an answer to the ID question. Never got a call back but the issue was fixed in the application process. The other hurdle was " verifying '' income, after they were provided, paystubs and W2s, the issue was now a verification of employment sheet. My employer 's HR was taking forever due to covid so we didn't get it in until a week and a half later. After the verification of employment sheet was filled out entirely, I mean giving them pay per hour, overtime, bonuses, they proceeded to say it wasn't sufficient and needed verbal verification. The ridiculousness of the process should have been enough for me to stop but then of course they asked for income for the coapplicant who was self-employed and provided proof of income for two years prior. XX/XX/XXXX was not a good year for his business due to the pandemic so we got " denied '' our mortgage based on that. Honestly not worth going through the process with them, not only are they uneducated and rude, they are not empathetic and discriminatory. I will definitely be making sure to contact the FTC and XXXX about it.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I kindly request a reference number for tracking purposes and confirmation of the receipt of this formal complaint. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (RI)

I contacted chime bank about a holding pending transaction. That XXXX said that they canceled XXXX days ago {$150.00} Chime has since then held my money for more than XXXX  days and refuses. To let me speak with a supervisor I spoke with XXXX a call representative. There's no one to really speak to. And I've been giving a run around and nobody wants to Settle. This is problem so I am contact with you guys. To file. This complaint as well thanks.