davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

In XXXX XXXXmy account was assessed a late fee of XXXX XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX  of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of Wells Fargo and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXX. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. Wells Fargo had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am filing a complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) due to persistent issues with my credit report. Each time I apply for credit, my bank informs me that my Equifax credit report is frozen, yet when I access my Equifax account online, there is no indication of any freeze. Additionally, my attempts to resolve this issue via phone have been consistently unsuccessful, as I am repeatedly told that the systems are undergoing updates and to call back later. This recurring problem has become a significant impediment to my financial activities. I urgently require assistance in rectifying my credit report by ensuring it is unfrozen and also request the removal of any fraud alerts that are inaccurately placed, as these are hindering my access to credit.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their XXXX XXXX check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a CHASE account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because XXXX XXXX  took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
Consumer complaint received 2023-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I received a text message from capital one automated text asking if I authorized a {$100.00} payment from XXXX. I replied back no. On XX/XX/XXXX I received a text saying it was charged. Upon further investigation on my part capital one has been paying XXXX for 5 years with a card that has been expired since XXXX, that they have on file. I have not been using XXXX as I have no reason to. I rarely use my home laptop and when I do it is for XXXX projects. I called the fraud department on XX/XX/XXXX and spoke with a rep and a manager. After discussing the situation thoroughly, I learned that XXXX only has to charge the expired card and get rejections 5 times and on the sixth time the transaction will be approved. At the conclusion of this call I was told that all of the charges would be investigated. Apparently the investigation has already been concluded and the previous years charges were not removed. I have never been able to any type of credit nor debit card passed the expiration date and I do not believe that I should be responsible for Capital Ones faulty system. I filed a complaint with capital one 's complaint department and the XXXX XXXX XXXX I was told by capital one that master card would provide XXXX with new cards credit card numbers when customers cards expired. I do not think I should be liable for the following charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each charge was XXXX. My interest rate is 28.15 % so each year the charges totaled XXXX. The total for XXXX years was {$1800.00}. I don't think I or any customer should be liable for charges to an expired card that master card and capital one authorize.
Consumer complaint received 2017-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up. 
I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I am a long time customer to suntrust to Truist, I had a checking account and a savings account with them. My checking has a {$25.00} automatic transfer. Last month my transfer was due and I didnt have enough money in the checking to transfer the {$25.00} to the savings. The bank transfer the {$25.00} and charge me {$35.00}. I asked them why in the world would you charge me {$35.00} to save {$25.00}, why would I pay {$25.00} to save {$35.00} to the same bank NOT FAIR. The bank refused to give me credit for it.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (PA)

I never gave Equifax, XXXX, or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : 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 2023-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management ( MCM ) which is known as a SPAM caller has called by phone daily from different numbers which are the following... 

( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX ( XXXX ) XXXX - XX/XX/2023 XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I have a old Elon credit card ending in XXXX that expired on XX/XX/XXXX. The credit card issuer provided a new card ending in XXXX as a replacement. The issue is I was debited {$1400.00} as credit card payment on XX/XX/XXXXXXXX  from my checking account. The payment is for this credit card. But I do not have any transaction after I received the replacement card. The bank is not able to assist since they stated the card issuer was Elon not them.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Late last year, Citibank said they will freeze my accounts if I do not provide certain information from my wife. My wife went to a local branch and provided the information requested except for tax returns. This year I received two or three calls requesting said information, which was already provide. About two or three weeks ago, they froze my accounts. I was not able to pay my bills. After about five to seven days, I was able to unfreeze my accounts. Then two days ago, Citibank called again and requested the exact same information, saying my account will be frozen if my wife does not comply. My wife today, XX/XX/XXXX went back to the local branch and again gave them the information. Citibank said from the beginning of this ordeal that the government instituted a new policy regarding accounts. I and my wife have had this account with Citibank since XXXX. I do not understand why Citibank froze my account, which I have had for over 50 years.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... Experian, XXXX, XXXX, XXXX XXXX  removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Portfolio Recovery Assosciates has called my place of employment every day, for several months. As soon as we answer the phone and identify ourselves as a business, they hang up. I have consistently called back the numbers and asked them to remove it from their system. 

Today I am filing a complaint because during my 10 hour shift, there have been 8 calls/hang ups by several different numbers that when called back all route back to Portfolio Recovery Assosciates. 

This is a clear attempt to harass one or more employees who owe debts.
Consumer complaint received 2023-11-07
Product: Credit reporting 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 to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 In accordance with the Fair Credit Reporting Act Bank of America has violated my rights under 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I filed a complaint with CFPB regarding Equifax on XX/XX/XXXXXXXX  ID XXXX. They responded XX/XX/XXXX, and I am not satisfied with the way they handled my case. They spent an inordinate amount of time telling me what they can't consider, and little or no time telling me why they lowered my score XXXX  points. I wanted them to tell me exactly why they lowered my score and what reasoning they used to justify it. They didn't do any of that, so I'm going to give them another chance.
Consumer complaint received 2018-05-15
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (KS)

XX/XX/18 I woke up to an alert ; my credit score dropped 50 points. I went to look and it was chase credit card. Im on there repayment program. Ive been on it for years and never had a problem. When I talked to them they claimed they called and sent a letter about continuing with the program. I dont have one single voicemail from chase. Also, I never received a letter from them. They say they didnt get any return mail but that doesnt mean anything. Ive been working for over 20 years in XXXX and Ive seen payments that were supposedly mailed out. Yes, the payment was actually mailed out when they told us and showed up months later. No one knows what happens once mail leaves our hands. Plus, we all seen what some postal workers do with mail they need to deliver. Im not saying that they didn't mail out a letter but just because there was no return doesnt mean I received it. Mail gets coded wrong all the time by the post office and ends up some where else. You would think people would put the wrong mail right back in the mail to be delivered correctly but this doesnt happen all the time. Mail also gets stuck in postal machines in the post office. There is many things that can happen. Also, why didnt they leave a voice message? I would had called back for this is my credit we are talking about. Also, for Chase to tell me it was up to the customer to call back every 12 months to continue the program is not true. Ive always received phone calls from Chase asking if I wanted to continue. 
Ive paid this account in full after trying to talk to them. 
I need Chase to be fair and take things into consideration. I need that late payment taken off my reports.