davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (AL)

A consumer transaction that took place XX/XX/2022 between XXXX of Mobile/JP Morgan Chase Bank and myself. I am trying to Rescind my contract due to the failure of the creditor providing me proper notice in accordance to 15 USC 1635 ( i ) ( b ).
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/21 I tried two atm transactions for come the sun didnt dispense my money. I filled a dispute with the atm to no avail after a year of back and forth. I finally filled a dispute with chime and they denied me the provisional credit while they investigate for 45 days which us very unfair and illegal.
Consumer complaint received 2023-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

To whom it may concern, I've been trying to negotiate with Planet home lending my loan for a while now. I've submitted my mortgage assistance application and still have not received a fair answer to my request but instead i was given the run around and sometimes just an answer to shut me up so they can look good. As I stated i submitted my request for mortgage assistance and they did not even look at my finances at all instead they gave me an offer that i can even afford based on my finances. All that I'm asking for is a fair review and a fair payment based on my finances on not something that they are forcing me to take. Please review my situation and allow me to keep my home.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

I do not owe the debt to XXXX XXXX that this collection company has reported. XXXX XXXX has reported this in ERROR, debt was NEVER owed. 

Central Portfolio knows this and has not recalled my collections account with the 3 bureausits been a month of me calling every week to have this fixed. They just keep brushing me off. 

This illegal reporting has caused my credit score to drop XXXX points and will also cause me to fall out of escrow for a new house, if not fixed this week. Ive explained this to the company in detail and they still havent fixed my credit report. This is unjust, malpractice, and cause for a lawsuit if not corrected this week. 

This collection never existed, therefore should have been correct immediately, still a month later sits on all of my reports and will cause me to be homeless in two weeks.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have nearly XXXX points with capital one and XXXX cant access them on their app or using XXXX or chrome. This problem has lasted over one week, My account shows the balance but when I click convert rewards it goes to a blank page. I spoke with several representatives at cap one who provided no help and got transferred to a supervisor named XXXX ( employee number XXXX ) who was incredibly unhelpful. I am unable to access points worth thousands of dollars and I need to use them to book a flight to see my parents. This is obviously unacceptable. I have attached the screenshot of my account and point balance and the blank page on capital ones website I get taken to when I attempt to convert my rewards.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Oaks Capital, LLC (TX)

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I received my home mortgage with Wells Fargo on XX/XX/2012. When I first applied for my mortgage with Wells Fargo bank I was told if I put down 20 % of the value of the home I would NOT have to pay the loan insurance fee every month. I put down the 20 % towards the value of my home and I got my loan. Later on I saw that the bank included a loan insurance fee in my monthly payments. I questioned it and I was told to ask later on and will come of eventually. When it did n't come of I was told by Wells Fargo that it will take 5 years to come of. I think Wells Fargo should fix this issue as soon as possible.
Consumer complaint received 2023-05-03
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. (CA)

I submitted a credit repair request to Experian and XXXX, 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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; CREDIT REPORT OR CREDIT WORTHINESS VIOLATED MY RIGHTS!
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (PA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with   XXXX   and   XXXX   credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (MA)

I have a higher interest online checking account i had been using as a savings vehicle. I had it also auto paying my cell phone bill. I closed that cell phone account final bill deducted on XX/XX/year> and had not used that account since. I logged in on XX/XX/year> and discovered XXXX different fraudulent charges as follows : XX/XX/XXXX XXXX point of sale $ XXXX XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX I was issued " provisional credit '' pending a bank investigation. I faxed the claim written statement for each charge as requested. It took multiple faxes and also multiple uploads through the banks app to get acknowledgement as I was sent multiple emails after sending by fax and upload stating they had not received the statements. I requested contact info for each merchant and the first XXXX were both reached through XXXX number claiming to ba a third party biller for both " companies '' and was able to get promise of credit for the first XXXX fraudulent charges in this list, I received only credit for the {$190.00} and the other numbers were ut of service. XXXX XXXX XXXX is the " bank '' part of Customers bank i believe.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

All three Credit Bureaus XXXX, Equifax, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. Credit Acceptance never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (TN)

I had borrowed {$650.00} in XXXX of 2023. A payment arrangement of {$150.00} every two weeks is taken out by direct deposit. After XXXX  months of payments I contacted Bright Lending. I had a previous loan with them that I paid off the year before. I paid that loan off early. If I were to keep making the biweekly payments, I will have paid {$3200.00} by the end. I tried to call and settle the loan. They wouldnt allow me to pay off the loan while there was a pending payment. After that payment processed, my balance increased. I reached out again and they told me I could pay {$750.00} to pay off the loan. I asked if I could split the final payment off, pay half or more now and pay the rest when my next payment would be made. They would not allow that. They are a predatory practice preying on desperate people in this time when many are struggling.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

My niece   XXXX   XXXX   using my Mothers ' name illegally, dated XX/XX/XXXX  &  XX/XX/XXXX  was able to receive several years of transactions of a joint account between myself and my Mother.
This fraudulent and identity theft action by my niece has caused a financial loss of approximately {$43000.00}.
CITIBANK has offered an apology for not contacting me of the invasion of my account, and the distribution of all the data without a subpoena.
My Mother passed away XX/XX/XXXX , thereby leaving me the sole owner of the account as the survivor.
correspondence letters attached.
Consumer complaint received 2023-02-14
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2023-02-14
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/23 I was at work ( Im a XXXX XXXX ) in clinic and I got a notification from XXXX of my XXXX credit cards ( XXXX  XXXX ) asking if I charged {$350.00} to XXXX. I said no but assumed it was an accidental charge by XXXX since I had been there recently. I had to finish my work day but on the drive home about XXXX hours later I called XXXX  XXXX and discovered that my entire wallet was missing. At that point I checked my Bank of America checking and credit card accounts and discovered that a purchase had been made for {$300.00} at XXXX XXXX on my credit card ( my debit card had not had any purchases, likely because you need a pin ). I immediately called Bank of America and reported fraud over the phone and had them cancel my card. I also told my parents because I had had a XXXX  Bank of America credit card from a family joint account that I never use. They discovered that {$88.00} has been charged to that card as well. Later that night my dad received a call from a nana her at XXXX XXXX reporting that my wallet had been found in the trash. The next day I picked it up and my ID and library and debit cards were there but all three credit cards were missing. 

I am 100 % certain that my wallet was stolen and my credit cards were used without my permission. It is possible that it was taken from my backpack as I walked to work but unfortunately I have higher suspicion that my first patient took it from my bag, since it was in the corner of the room for a period of time when I was not present. 

XXXX XXXX  has since closed their fraud investigation and credited me the money such that I have XXXX liability because they determined this to be fraud. This morning, however, I woke up to a letter online from Bank of America saying that they did not determine this to be fraud because my card was used for the charges ( which we already know since it was stolen and my wallet was thrown in the trash ). I was at work at the hospital when the card was charged and I still dont have my card in my possession. I would love assistance in further disputing this resolution and appreciate any assistance you can offer. The most recent resolution letter was from XX/XX/XXXX. Of note, I have no receipts of the purchase because I was not present and did not make them.
Consumer complaint received 2017-07-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well