davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 than records of convictions of crimes which antedates the report by more than 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 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, account holder for XXXXXXXX XXXX  convenient store XXXX, returned XXXX items to XXXX  XXXX  on XXXX. Prior to doing so, I called CHASE Bank to ensure my refund would be process dispute the account being closed. Months pass no refund had been issued so I called, and was told they do not see any refund ever being made to the closed account. At that time advised to file a dispute which resulted in temporary credit that was withdrew and now I owe the balance for ITEMS I DON'T HAVE. Attached is the receipt from XXXX XXXX, which have done everything successful on their behalf. I've attached the receipt from XXXX  showing all there items were refunded to my chase debit card that was closed ending in XXXX im now requesting the negative balance be cleared with interest for XXXX months.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Payment was made to Capital One in the amount of {$100.00} Confirmation # XXXX on XX/XX/year> and {$490.00} payment Confirmation # XXXX was made XX/XX/year>. Capital One still shows a balance reflecting {$490.00} refusing to credit the amounts paid.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of idntity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2024 a fraudulent purchase was made on my Chase credit card from XXXX XXXX in the amount of {$1200.00}. I did not notice this purchase until XX/XX/2024 when I received an email from Chase on XX/XX/2024 alerting me of a suspect transaction made on my Chase credit card in the amount of {$1200.00}, also from XXXX XXXX. Fortunately, this transaction was declined and I confirmed that I did not make the purchase. At that point, I checked my account via the Chase mobile app and noticed the purchase from XXXX XXXXy on XX/XX/2024 for {$1200.00}. I did not make this purchase and immediately reported it as fraud on the Chase mobile app and followed up with a phone call to Chase verifying the purchase as fraud. 
On XX/XX/2024 I received a letter in my Chase account that they had completed their review of unauthorized transactions on my account. The letter stated that I was responsible for paying for the purchase made on XX/XX/2024 from XXXX XXXX in amount of {$1200.00}. The reason stated " Merchandise was billed to or chipped to your address ''. I do not know how my information was stolen but I absolutely did not make this purchase and there was no merchandise shipped to my address. I do not know how Chase came to this conclusion given that this was 1 of 2 fraudulent purchases attempted with my card ( the second one being the {$1200.00} transaction that was appropriately flagged and declined ). I suspect that when I bought gas on XX/XX/2024 in XXXX, WA my information was stolen from the card reader. 
I am extremely upset by this experience as I did not buy anything from XXXX XXXX and I can not afford to pay for this large transaction. This needs to be investigated further and I would like to be refunded immediately.
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

on XX/XX/XXXX citizens bank made a payment from my checking account for {$100.00} when my account had {$1.00} in it and then added overdraft charges so that now they say I owe {$230.00}. I went into my local branch on or about XX/XX/XXXX to resolve the issue but they refused to reverse any of the overdraft charges. the problem is that they are making at least 3 automated calls per day to my house.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In short, I recently applied for a home loan modification back in XXXX of XXXX with Bank of America. I fell behind due to covid and was laid off shortly for not getting the covid vax therefore I was allowed to go into forbearance in XXXX to XXXX. Fast forward, I was rehired and evicted tenants who failed to pay their rent, thus causing for me to initiate a loan modification application. After submitting all required documents for 3 months, I was finally approved for a trail period of repayments. At the time I was about {$85000.00} behind. I and Bank of America then agree to {$5900.00} for the months of XX/XX/XXXX, XXXX and XX/XX/XXXX. Thankfully, I made them all. BOA then said all terms were met with the trail period and the loan medication would be approved if I agreed to the terms before XX/XX/XXXX. I agreed and sent MY wet signature back via XXXX about XX/XX/XXXX. Shortly after, I attempted to pay my mortgage the following month, however, was not able to do so because I was told that BOA denied my loan modification after receiving my " WET signature '' loan document because they say they couldn't confirm my signature. I SIGNED THE DOCUMENT. Who else could or would have in such an embarrassing moment. This was a blow to the chest! I've never heard of this before. I knew then that BOA was trying to REDLINE and take my property because of my age, race, gender, and my property condition and location. After speaking to a rep, she confirmed that BOA just sent another document out ( the exact same ) just days before the term agreement I needed to agree to would end. But no other communication giving justification on the bogus call of not agreeing to my signature. Now my home is in foreclosure status and its no guarantee that BOA will honor a NEW LOAN MODIFICATION. IM sick because Im stressing over it because I'm now faced with the possibility of losing my home.

As you can see in the documents attached, I was told that they never received my signed agreement for the loan modification, but clearly its a lie. The woman on the phone clearly stated that they rejected my loan modification because they could not confirm my signature. So either BOA being dishonorable in their dealings, or the woman rep flat out lied.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was contacted by phone from a XXXX rep from a XXXX phone number. 
The representative had all my account information and was in my accounts going over transactions I made earlier that day and week. The rep was a fraudster. 
Convinced me to create wires and attach police report numbers to them to reverse fraudulent wires the rep claimed had happened. Total loss XXXX. All to 3 seperate accounts at Bank of America. 
XXXXXXXX XXXX XXXX  personal acct XXXX XXXX business acct XXXX XXXX business acct XX/XX/XXXX XXXX XXXX business acct I contacted FBI and have been working with them ever since. FBI spoke with Bank of America investigations and they confirmed partial amount of XXXX and full amount of XXXX were available to be returned. They requested Hold Harmless agreements from XXXX to Bank America. 
The XXXXXXXX XXXX transaction was returned, {$28000.00} The largest transaction has still not been returned. Bank of America is claiming discrepencys with the Hold Harmless letter sent, per the fbi. XXXX will not directly or effectively communicate with Bank of Americas Hold harmless indemnification department and resolve issues to get my money returned. It has been over 120 days!!! I have sent 2 wires in the past three years. XXXX gets wired out and no one from XXXX fraud calls me to confirm. My family has been ruined- The money was our financing to build our new home. Please help.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (WI)

Company name it ( get it now ) is report to all three credit bureau wrong information.get it now report months XXXX, XXXX, XXXX, XX/XX/2024. On those months I'm made these payments made on time not behind payments also payed in full
Consumer complaint received 2018-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. 
Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. 
I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. 
Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PR)

I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

I am once again filing a complaint against MOHELA XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with MOHELA is marked as closed and paid off. Despite this, I continue to receive statements from MOHELA claiming that payments are still due. Additionally, other credit reporting agencies ( XXXX and XXXX ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, MOHELA continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, MOHELA is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, MOHELA has engaged in deceptive practices, violating the FDCPA. 

I have contacted MOHELA to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with XXXX and XXXX to update their reports accurately.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CO)

I have a dell/comenity credit card used to purchase one computer. Later, I went to my bank, XXXX XXXX XXXX XXXX, and got a debt consolidation loan to get a better interest rate. This was one of three accounts we decided to pay off and wrap into this loan. The other two went fine. But after Dell cashed the check they refused to credit my account. We have provided numberous times the check number, date it was mailed, date it was cashed, copies of the deposited check ( front and back ) and account it was recorded to at dell. But after two investigations with dell they refuse to credit the account. I disputed with transunion and received a cryptid investigation report which my bank and I didnt understand, but we do understand the debt still shows as owed. XXXX XXXX has offered to speak for me. This has taken MANY hours and call and documents and stress. I have downloaded these same documents to dell directly on their website numerous times and with their employee on the phone to verify they got it. Don't listen when they say I didn't. I sure as heck did! Now I owe my bank and dell. Please help make dell fairly credit my account for my payment.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have a letter from Wells Fargo dated XX/XX/ that shows my Loan Number XXXX as paid in full that states they would be instructing the county to record the satisfaction/release documents, however, the lien was never released as I am just now finding out. I have contacted Wells Fargo several times and followed their instructions to fax my request to the department that is supposed to handle this but the faxes never seem to get to them. I have several confirmations that the fax was received and I have confirmed that I am using the right number but when I call customer service there is no record of my requests and they can not contact anyone in that department or give me a phone number for that department. The only other option I have been told is to mail a letter to a XXXX XXXX XXXX XXXX XXXX, there is no physical address where I can send my request certified mail with return receipt requested. 

I would appreciate any help you can provide to me in getting the lien released on this loan I paid off 20 years ago.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MA)

Ally Financial, sold my loan to their inhouse repossession and the repossession department sent a tow truck to my driveway which is a violation of the state law of Massachusetts. Breach of Peace. The tow driver disrupted the peace late at night. The driver put my vehicle on his tow truck pulling it without a flatbed causing damage to my under XXXX XXXX XXXX XXXX. The local police department had to come and inform them of the law and they were forced to leave my vehicle in the driveway. I did not receive a notice stating Rights of Defaulting Buyer under the Massachusetts Motor Vehicle Installment Sales Act therefore I was not given the proper and legal notification. I advised Ally Financial of the incident. They refuse to allow me to resume making payments and refuse to sign the title to me. The car is sitting in my driveway damaged and undriveable.
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (PR)

We got affected by hurricane Maria. 
I filed for FEMA and was denied assistance because my mortgage includes home insurance.

I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (WI)

I have been trying to link a bank account to my American Express savings account for about XXXX weeks now and I have been receiving the same error message saying " American Express is experiencing temporary difficulties and we are unable to complete your request at the moment. '' I tried to link a bank account to my savings account with American Express on XXXX and XXXXXXXX XXXX browsers, I tried it on XXXX different devices and also cleared my cache on both devices but I am still experiencing this issue. This is preventing me from linking a bank and utilizing the services American Express told me I can use with this high yield savings account.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One ruined a perfect relationship with me by refusing to investigate the fraud made upon my account. I have a police report to show cause that my personal information has been stolen for unknown purchases with Capital One totaling {$30000.00}. I received a statement dated XX/XX/year> with my name and address with a company I have had no affiliation with. I made a police report due to the theft of my Identity and use of my card ; the report number is # XXXX. Capital One closed my credit cards wrongfully by fraudulent acts after being with them more than 10 years and was never late paying. I domicile in XXXX State and all purchases on their statement is taken place in XXXX where the culprits who stole my identity and credit reside and operate their business. I also have an Identity Theft FTC Report # XXXX. I have called Capital One several times and have provided them with the Police Report and FTC Report and they continue to ignore the proof. I have also researched and found the company information on XXXX Corporation Commission showing my name as XXXX without my consent or knowledge until now.
Consumer complaint received 2024-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (GA)

To Whom may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Furthermore, I am concerned that your collection practices may be in violation of Federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) and 12 CFR 1006.34 ( d ).

Violation of 12 CFR1006.34 ( b ) ( 5 ), According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide me with detailed information about the debt, including the name of the creditor to whom the debt is currently owed. Your initial communication failed to include this critical information. This omission hinders my ability to effectively verify and address the debt.

Violation of CFR 1006.34 ( c ) ( 4 ) ( 1 ) : You must clearly state the amount of the debt, including any interest, fees, or other charges, and explain how these amounts were determined. The communications I have received from your agency have not provided a clear breakdown of the debt amount making it impossible for me to understand the basis of the alleged debt.

Violation 12 CFR 1006.34 ( d ) : Stipulates that you must provide the consumer with a notice of their rights to dispute the debt and request the name and address of the original creditor if different from the current creditor. I have not received such a notice, thereby Impeding my ability to exercise my rights under the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) In light of these violations, I demand that you cease all collection activities until you provide the following : Name of the creditor to whom the debt is currently owed. 
A detailed and itemized statement of the debt including interest, fees, and other charges. 
A notice of my rights to dispute the debt and request the name and address of the original creditor Please treat this letter as a formal dispute of the alleged debt and a request for validation as required by law. I expect a response within 30 days of the receipt of this letter Thank you for your prompt attention to this matter.