davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023, I attempted to make an online purchase with the credit card. It was declined. I called the number on the back of the card. I reviewed the transaction and told them that I made the purchase. They asked me several questions which I answered. The representative told me that the card should work and that I could finish my purchase.. I pay my balance every month and the purchase was within my credit limit. There was no good reason to deny the charge. I wasted a half an hour of time. 
I went back on line and attempted to make the same purchase which had been declined. Again the card was declined. I called the number on the back of the card again. The representative spoke with a heavy accent and I could not understand half of what she said. She refused to authorize the purchase. Consequently, the first person I spoke with was a liar. 
The second person demanded my drivers license. I have no idea who this person was and I am not giving her my drivers license. She told me that she would not authorize my card without giving her my drivers license. This is absolutely ridiculous. I asked to speak with the manager. Person number XXXX also had a heavy accent and was difficult to understand. He demanded my drivers license. I am not giving a stranger my drivers license. How do I know that this is not a scam? How can I give him my license- I have a landline? I am not emailing my drivers license or SSN number to a stranger. Even though the charge was within my credit limit, they refused the charge and deactiviated my card. I have some recurring charges every month on the card. All these charges will now be defaulted because of these jerks. I will incur additional fees. Person number XXXX refused to let me speak with a higher manager. There was no legitimate reason for denying my purchase or deactivating my card. I ended up wasting more time. I think this is a scam to make me forfeit all of my points. I have a lot of unused points on the card.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I opened a capital one credit card in XX/XX/2023. Since then Ive had several unpleasant and unexpected encounters with them. 

The most recent is auto pay. I had a problem with the app for capital one in XXXX as well as fraud and capital one not sending me a new card. Their explanations were I dont know why that happened. 

Well now Im still encountering problems. My payment due said {$58.00} because 2 payments were due because of an issue processing my XXXX payment. I made a {$29.00} payment so my payment adjusted to then owing {$29.00} for XXXX. I then cancelled the payment I had scheduled on XX/XX/XXXX for {$58.00}. My autopay remained on and said and stills says scheduled payment XX/XX/XXXX. XXXX XXXX  ET. So according to the capital one app I of course believed an autopay would occur for the {$29.00} due for XXXX. No payment was taken out. They said my ending statement said minimum due {$58.00} even though the minimum due on the app updated to {$29.00} due now. So they said i owed the {$58.00}. Confused. I escalated the call to no avail. I was given excuses that made no sense as what I was looking at didnt coincide with their excuses. They wouldnt help after a 1 hour 1 minute call I finally hung up no further along than them talking in circles with the ONLY reason being thats how autopay works she was rude and unprofessional as well as not seeming to have knowledge of anything. She ended by asking if there was anything she could assist me with and I said remove the {$29.00} late fee for them not taking out my {$29.00} payment. She said she couldnt and I said why did you ask then, in her words, because I have to.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

There is a recurring ACH debit on my Chase checking account to a XXXX XXXX account. 

{$4000.00} every month on the XXXX of the month In order to cancel this Chase wants to charge a {$30.00} fee. To push a button. This is egregious
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX. 
Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt. 
I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 Equifax claims that I disputed information about my XXXXXXXX XXXX XXXX account they have on my credit report this dispute is fraud did not file a dispute on this day and they never sent me a notification of this dispute I had found it by accident while looking at my report I believe they are trying to illegally change information on my credit report so they do not have to remove an account due to false and inaccurate information. This is fraud and I'm I have gotten an attorney.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

I went in to thaw my credit bureau accounts today as I am planning to finance something soon. I logged in to Equifax and was shocked to find they did not have Multi-factor Authentication ( MFA ) set up on my account. I looked around to see if it was a setting I had missed but couldn't find anything in my account settings. After XXXX  it, I found that they require you to purchase this basic account protection. 

I never asked for Equifax to collect and store my credit information, but they do, and now I have to deal with protecting that information because it seems like every couple years Equifax gets hacked and leaks information. I do my best to make sure that my information is protected across all online services and accounts. Even basic non-financial or identity services I use have free MFA - it's best practice and prevents basic authentication attacks. The fact that Equifax does not offer MFA to protect information they collect without consent is an insult to data protection. They created a problem and are now charging for a service to protect it. 

They should be forced to offer free MFA for all the people they store information on. Again, I didn't ask them to collect and store this information, so if they are going to, they should at minimum be required to follow best practices on basic data protection. Anything less is purposefully creating additional risk to sell a product.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been hit by XXXX hardships. I have managed to maintain my payments. I got a minor " covid relief '' payment reduction breifly in XXXX  from them. I then entered a credit payment program with XXXX XXXX XXXX for other cards I had. I tried to enroll this account as well and was denied. They stated that I couldn't enroll in another program because I had already received help from them, which had already ended. I was told I had to wait 1 year from the time that their relief program ended to enroll in another program. Over a year had passed and someone at the company told me it had been over a year and I should try again. I tried again and was denied. I also tried to have my XXXX lowered and was denied. When I spoke to a supervisor about it they told me I still couldn't enroll the account in my debt program with my XXXX XXXX XXXX program because of the very short, and limited help I received from them for " covid relief '' and that they couldn't tell me when the account would be eligible again. All I am trying to do is pay them back. I have no job and haven't worked for over 3 years. I was on unemployment and then XXXX. Now I have no income at all. I need help and they are taking advantage of me using a loophole to deny me the help I need.
Consumer complaint received 2023-02-28
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. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off account that has been reported on my credit report by XXXX XXXX ( account number : XXXX ). 

I would like to request proof of the debt and its validity, as I have no recollection of ever opening or using this account. Additionally, I believe that XXXX  XXXX may have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

Under the FCRA, it is the responsibility of the credit reporting agencies and creditors to report accurate and verifiable information. If they can not provide proof of the debt and its accuracy, the item should be removed from my credit report. 

I request that XXXX XXXX investigate this matter and provide me with the necessary documentation to verify this debt. If the company is unable to provide such documentation, I demand that the item be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

This past week, XXXX medical collection accounts were placed on my credit report. The company listed on the report is Central Portfolio Cont, and the amounts are {$3900.00} and {$1300.00}. They say the original debt was to a XXXX XXXX XXXX- which is a medical facility in the XXXX area that I have no recollection of ever going to, and has been out of business since XXXX. I tried to see who purchased the hospital after it closed, and apparently that company has filed bankruptcy and I am unable to get any proof of service, detailed medical bill or proof that anything was charged to my insurance because of it. This debt is wrong - I have never been to a hospital by this name, or at this location and I have never been made aware of this debt previously, and can not contact anyone to actually prove this debt is valid. I don't even know what dates they are claiming that I had service there because it says on the date of account opened XX/XX/XXXX which is years after the hospital was closed. In addition, being a medical debt, this should be removed as a XXXX violation on my credit report. I have already filed a dispute with experian where I found this on my report and am reaching out to my legal aid team to see what further can be done.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

My loan is with Chase Bank. I took the covid deferment and have returned to making my regular payments. When I took the loan, I was told that the deferred amount would be added to the end of the loan and I would be able to continue to make payments until it was paid off. In order to make up for the missed payments, I paid more than what was asked of me. They now tell me that I have to pay a balloon payment, even though my mortgage does not reach maturity until 2025. I asked to continue to make my regular payments until the rest of the debt was paid off. I owe around {$27000.00}. I make payments of {$2800.00} a month so it should be paid off before the year is up. They refused and told me that I had to make a balloon payment. I have read on your site and the fannie mae website that they can not ask for the balloon payment and that I should be allowed to continue to make payments. I now get late notices saying that I am behind on my payments, even though I have continued to make my payments. The bank refuses to credit my payments to the loan but is holding my money and telling me that I have to make a balloon payment. I have talked with the bank about this for at least 9 times within the last month and at least 3 times this week alone. If someone had a financial hardship and had to take this deferment, how would they have the money for a balloon payment of {$27000.00}?
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

Due to statewide shutdowns, the closing of my place of business, continuous business suspensions, and my illness, I was tremendously affected by the XXXX Pandemic, and I fell behind on my mortgage. I was offered a forbearance, which I thought would help with restoring my past due amount. Consequently, Fay Servicing told me that I had to pay all of my arrearages in order to stay in my home and I did not have it. 

So Fay Servicing forced me into an arrangement where I had/have to pay upfront {$50000.00}. in XXXX, ( PAID ) {$50000.00}. XXXX ( PAID ) {$54000.00} XXXX The foreclosure sales date has been scheduled for XX/XX/, even though all of my payments have been made on time. 

8 times I applied for a Loan Modification, and Fay Servicing kept saying they never received an entire packet, which they had. I kept submitting documents up until they placed a foreclosure notice on my door. 

I filed for assistance with the Maryland Homeowners Assistance fund, Fay Servicing told MHAF that they don't participate in the program and that I was not eligible for a Loan Modification. and they also denied funds from MHAF. After my file was closed with MHAF, ( and the funds were denied ) Fay Servicing did offer me a Loan Modification. 
So egregious. 

TERMS Interest-only vs Fixed Conventional FHA {$400000.00} balloon payment vs No balloon XXXX years vs XXXX year remaining Payments increased by {$170000.00} more per month {$5700.00}. vs {$4000.00} Interest rate XXXX % vs XXXX % Fay Servicing filed for a sales date while my application was being reviewed with MHAF. In addition, Fay Servicing would not speak with me about my accounts for months leading up to scheduling a sales date. I was trying to work out something, but they weren't offering me any options but to foreclose, and take my home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

I have gotten probably a call a week for the last few months, and I just did a credit report and I dont have any outstanding debt or collections after me. They never leave a message and when I call back its an automated message saying to standby
Consumer complaint received 2023-02-28
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 (CA)

Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from Possible Finance Inc threw XXXX XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, XXXX, and XXXX 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. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (MD)

I have had a block on my NetSpend card since XX/XX/XXXX. I have been continuously trying to reach NetSpend. I would be on hold to speak to someone and when I finally get to talk to someone ( after being on hold for over an hour ) they hang up on me!!! I was told this past Tuesday when I spoke to someone that the block would be lifted ... .but it has not. I'm still trying to speak to someone at NetSpend customer service to this very day ... no success at all!!!! Furthermore this is not the first time I have been unfairly treated by NetSpend they allowed someone to transfer funds from my card to another NetSpend customers card in the amount of XXXX please help.