davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

A merchant in XXXX fraudulently charged our account for {$1000.00} four times. We reported this as fraud to our bank Chase. Chase adjusted our account accordingly. After Chase contacted the merchant in XXXX, requested information on us and the merchant in XXXX provided that information, Chase took the {$1000.00} four times out of our account. We contacted Chase to again, let them know we did not make those transactions. Chase told us to provide documentation that we do not have a relationship with the merchant in XXXX. We asked what documentation we should provide since we do not have a relationship with them, and they could not answer that question. We requested Chase to send us the information they have on the merchant in XXXX, since there is no information we can find for a website or a phone number. They will send the information within 10 days. Until then we are out {$4100.00} ( XXXX ). When we do contact the Merchant in XXXX, what kind of documentation will that provide that we don't have a relationship with them? We are in a no-win situation and would appreciate any help you can provide.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (MS)

The manager at First Heritage Credit calls me several times every day even when I am just ten days past due even after I made arrangements. This has been on going for months. I told her I would pay this evening when I got off work online like I always do. My note came due on the 15th, she has called every day since several times, and today called my references. I already had an arrangement. She is harassing me every day.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (PA)

Acquired 2 mortgages in XX/XX/XXXX with Aurora Loan Services , LLC and then they were bought by Nationstar Mortgage , LLC and later d/b/a Mr Cooper, The 1st mortgage was sold further to XXXXXXXX XXXX and later to XXXXXXXX XXXX XXXX XXXXXXXX None of them has my payment history from XXXX - XXXX, which they should have gotten with both loan details and necessary Information. Now, I asked for the payoff from the 1st mortgage and they sent me the payoff with an extra XXXX, exact explanation was " Non-Interest Bearing Principal Balance '' and some kind of Interest accumulated fee as well. 
I called Mr Cooper to get an explanation on these extra amounts added to my payoff and didn't get the information requested. It seems that the mortgage companies adding their fees pulled out from nobody knows where. I don't agree to all these, that's why we need to stop these nonsenses.
Consumer complaint received 2024-04-24
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CT, XXXX Incorrect DOB : - XXXX  Employer - XXXX Employer - XXXX Listed below are the Collections that are being challenged 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 XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (IL)

I have had a Barclays View credit card for multiple years, always making my payment on time and in full. I have never been able to request an increased credit limit as Barclays requires a hard credit inquiry to do so. I do not understand why Barclays requires a hard credit inquiry when all other banks typically require a soft pull or no credit pull at all ( just income question ). This feels very unfair that the only way to increase my available credit with Barclays is to allow for a hard pull which will negatively impact my credit and therefore my ability to purchase a home, open new credit cards, apply for other types of credit, etc. This policy feels very unreasonable and the representative repeatedly told me that this is the Company 's policy and there is nothing that could be done.
Consumer complaint received 2024-02-02
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: CITIBANK, N.A. (DE)

On XXXX XXXX, I ordered a pair of shoes from XXXX for my birthday XX/XX/XXXX. I checked and noticed that the delivery was said to be delivered several days ago. I contacted XXXX and they said to check to delivery status. I informed them that the package is shown as delivered but I have not received the package.
Consumer complaint received 2023-11-06
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. (MD)

XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to XXXX, Equifax and XXXX. The credit bureaus did not correct the information.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Name : XXXX XXXX Birthday : XX/XX/XXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Ohio XXXX To whom it may concern at CFPB My information was sold and bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX account number XXXX {$710.00} XXXX XXXX- account number XXXX {$730.00} XXXX XXXX- account number XXXX {$170.00} XXXX XXXX XXXX- account number XXXX {$700.00} XXXX XXXX XXXX account number XXXX {$640.00} XXXX XXXX- account number XXXX {$950.00} XXXX XXXX XXXX- Account number XXXX {$510.00} XXXX XXXX- account number XXXX {$9.00} ; XXXX Thank you XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-11-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

My reverse mortgage was sold by Champion Mortgage to XXXX XXXX XXXX, a contractor for the US Department of Housing and Urban Development.
During this transition, my house was flooded in the Louisiana flood of XX/XX/XXXX. My flood insurance company paid the claim and the proceeds were sent to Champion Mortgage so they could make the disbursements as the work on my house was completed in stages.
The disbursements were to be made in 3 installments. I received the first 2 installments. The third installment remained with Champion until the reconstruction was completed.
The file was transferred to XXXX, but Champion claims XXXX rejected the funds and they were returned to Champion at least three times.
I am asking for assistance in locating the last flood insurance disbursement of {$20000.00} so I can pay the contractor for the work that was completed in XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by people impersonating ICE and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/XXXX from my bank Bank of America. I filed a claim with BoA on XX/XX/XXXX, claim number XXXX, before the cashier 's checks were deposited on XX/XX/XXXX. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to two separate accounts at XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds XXXX XX/XX/XXXX, {$51000.00} was returned to me from XXXX account where {$53000.00} was deposited. XXXX has stated they hasn't received the {$49000.00} account hold harmless letter. On XX/XX/XXXX, BoA has sent the hold harmless letter to XXXX again regarding the {$49000.00} account. On XX/XX/XXXX, I followed up with XXXX and was told the {$49000.00} was already returned to BoA on XX/XX/XXXX, but BoA is holding this {$49000.00} and hasn't returned to my account yet.
Consumer complaint received 2024-04-24
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. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I inadvertently initiated a Direct Deposit Cash Advance request from my credit card to my checking account, mistakenly believing it was a Balance Transfer request. Upon realizing my error, I promptly contacted customer support on the same day to request the cancellation of the transfer. It's worth noting that both my credit card and checking accounts are with the same institution, namely, Bank of America. 

The support representative assured me that this issue could be rectified, and they advised me to reach out again once the transfer had been completed. Subsequently, I made another call the following day, during which I was instructed to repay the loan amount and then contact them after the payment had successfully gone through. They indicated that they could then proceed with the removal of any associated fees on my credit card. 

Upon my third call, the representative informed me that a request to cancel the charge had been initiated. However, to my disappointment, I later received notice that the request had been denied, and I was required to pay a transfer fee totaling {$450.00}. Additionally, I was charged an extra {$14.00}. It's important to note that the funds were only in my account for a single day during the transfer, and yet I incurred a total charge of {$460.00}. 

Had I been presented with a more efficient method for canceling the transaction, this situation could have been avoided entirely. Furthermore, if I had been informed during my initial, second, or third contact with customer support that there was a possibility the charges might not be refundable, I would not have wasted my time making multiple calls and would have utilized the transferred funds differently. Unfortunately, I was led to believe that the issue would ultimately be resolved, and I ended up not only losing the transferred funds but also having to cover the fee for money I never even utilized.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

Experian does not have my full credit history despite XXXX and XXXX having it and the bank ( XXXX ) confirming that they have sent the information to Experian. I have a line of credit thats been open for 4 years and it does not show up on my credit report with Experian which has severely impacted my credit score ( not scorable with Experian resulting in denied credit applications ). Multiple attempts have been made to resolve the issue. First called and they opened an investigation XX/XX/23. Was never contacted with results so I called on XX/XX/23 and they had no idea what I was talking about and I gave them the case number. A second investigation was opened on this date and I was given a case number and I have never gotten an update. I know nothing has changed and they havent fixed the issue because my credit report is still missing this line of credit.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

A man from the phone number ( XXXX ) XXXX ( XXXX, MI ) tried calling me and said he represented CashApp. He tried saying that a transfer of mine wouldnt go thru. I knew this was a scam as I have not made any transfers with Cashapp in some time. He asked for my login credentials and I denied him and asked if he was a scammer. He quickly hung up the phone. I did not fall for his scam but I wanted to report him.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The XXXX reporting on my credit report has been paid in full. The account status should be shown as closed and paid. I called XXXX and confirm the account was closed last year. The late payments were in error and they agreed to delete it. I've repeatedly requested Equifax to investigate so they can see for themselves that the account is reporting in error. However, nothing has been done and the accounts remain on my credit report.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (IL)

Good afternoon, XXXX XXXX from Bridgecrest called on Friday, XX/XX/2024 during my work hours where I can not answer my phone during my shift. I returned her phone call on the same day at XXXX. I tried reaching out to her on several occasions for a few days now and left several voice messages and she failed to return my phone calls. My car note is due on Friday, XX/XX/2024 in the amount of {$350.00}. Im not sure if I should continue to pay it until they get their paperwork straight or wait until I hear back from them. What should I do? Thanking you in advance for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-31
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: Onity Group Inc. (FL)

I called several times and requested a loan modification or payment plan, I explained to the loan servicer numerous times over a 12 month period that I have bee living off of fixed income ( short-term XXXX ) and unable to keep up with payments due to my surgeries and hospitilizations. I explanined that I was now back working and could catch up the payments if they would work with me. They stated that the federal government does not allow them to give me a work-out option and all arrears are due immediately. They also stated they would not accept payments of any amount if it is not the full amount die. As of thus date that is over {$12000.00} ( 12 months of payments ). I Spoke with XXXX XXXX on XX/XX/XXXX he is a counselor for PHH loan servicing company. PHH is the servicing company assigned by XXXX XXXX  ( mortgage company ). XXXX XXXX refused to offer me any assistance or workout application stating my loan is only elidgeable for the full payment of all arreaers. I asked him and every customer service person I spoke with for the contact info to the mortgage company and they all refused.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CA)

This bank is pretty useless and has no idea how to do business in the US. 

First they suspended my XXXX service due to suspicious activity. I was sending MYSELF money between my two bank accounts using XXXX 

It was unsuspended only to be suspended for the past 3-4 months. Ive called about 20 times and spoken to different supervisors, everytime i called they tell me the same storyline. It will be reviewed in 3 to 5 business days, but it never does. My accounts are not eligible for XXXX or transfers. Oh and wait. My local branch has been out of temporary debit cards for 3 WEEKS. Offering no XXXX solution but to pay for a debit card by calling bmo service. This branch is useless, how can they still be waiting for temporary debit cards for that long? 

My account is in negative status right now, due to a payment coming unpexcted, i went to the branch to get a debit card and deposit the money later but no debit cards. Then i said fine ill call customer service to unsuspend my XXXX or external transfers BUT THEY CANT DO IT. THEY WANT TO KEEP MY MONEY HOSTAGE BY NOT GIVING ME AN OPTION TO USE MY MONEY The customer represeentative that i spoke to tonight told me sir your service has been suspended since XX/XX/XXXX, so its not 4 months. Does that sound reasonable? Having my own checking accounts suspended for 3 months due to transfering money toMYSELF