davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have 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 an 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 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roach & Murtha, P.C. (NY)

I went too get money from my bank account and seen that the amount I had wasnt there, I notified my bank they said a restraint was put in my account, they gave me the number I notified them, this is the second time they seized my account, I sent in proof that the monies in my account is from pension and unemployment, I sent them my award letter from both pension and unemployment but they still froze my account, spoke too them they claim I never sent any documents too them? I explained too them I have proof that I sent my award letters too them through fax and by mail, I dont owe these people anything! The entire building won the court case against the landlord, we were able too stay until or lease was expire, I never signed any new lease agreement saying I was gon na live there, I moved out before the new landlord took over the building! But yet shes filing judgement against me?
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NC)

On XX/XX/2023, I booked a condo through XXXX for XXXX XXXX XXXX. I signed the Rental Agreement, and I paid the full amount of {$5700.00}. The property was removed from XXXX and the rental company, XXXX XXXX, would not respond to email or voicemail for clarification. A few days before the reservation date XXXX informed me that they would give me a refund and cancelation. On XX/XX/XXXX, I receive a welcome email from the rental company sent me an email re-confirming my reservation. Due to a lack of communication I had already booked a different villa from another website. I contacted my credit card company and they credited my account for the full amount. On XX/XX/XXXX, the rental company sent me to a collection agency, Capital Accounts. On XX/XX/XXXX, I received an email and letter from Capital Accounts for {$7400.00}. The reference number is XXXX. I contacted them via email that this was a misunderstanding and that I was working with XXXX to correct it. On XX/XX/XXXX my credit card company reversed the credit, applying the full amount back to my credit card. XXXX left out a lot of details to the credit card company so I reported both XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX and XXXX XXXX  sent me separate emails and refunded me for the full amount which was {$5900.00}. Since then Capital Accounts have continued to send me letters stating that I owed them {$7400.00}. After having received another letter from Capital Accounts on XX/XX/XXXX, I tried calling them. Every time I am connected to my case manager, she is requesting payment. The connection is very poor and breaks up. I can not hear what she is saying. I sent them another email with attachments of the refund emails from XXXX. I contacted XXXX XXXX  to contact the debt collector but have not received a response.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (HI)

I try to manage my accounts with PenFed Online. However, the system is always not working and I am unable to do transfers and sometimes log into online banking. I also can not complete check withdrawals with online banking and I need to call or chat with an agent. Lastly I can't even order an ATM card from a customer service rep without having to print out my own form and send it over.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank credit card dept sent email advising I qualify for a pre approved credit card I have had a bank account w Chase Bank for about twenty years and my account regularly monitors my credit history thru XXXX. 
When I completed their application I had a XXXX credit score but they chose to deny the application for unknown reason and the Hard credit check which they did not need to do knocked me down to XXXX or poor score. When I try to call the Chase Bank credit card dept I am on hold wait time if 1hour. 
All I am trying to do is have the hard inquiry removed because I am in the process of moving and the hard hit hurts me on the credit score when applying for apartments. 
I am fine with no credit card because I have no outstanding debt and will never apply for anything chase backed ever again I just want the inquiry removed because they already had my credit score history w/o the inquiry.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX reporting agency, XXXX reporting agency, and Experian reporting agency. Has violated my rights. 15U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if theyre notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days. Please remove the following accounts XXXX XXXX federal XXXX XXXX XX/XX/XXXX. I XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX inquires, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( auto ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX. XXXX / XXXX XXXX of XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. Experian XXXX. XXXX, XXXX XXXX XX/XX/XXXX. Experian Inquires, XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

An inquiry on my credit showed that I don't recall making. I contacted the company and they told me to file a dispute with XXXX. Upon disputing with XXXX just hours later they replied they weren't removing it. The date of the two inquires in question is XX/XX/XXXX and XX/XX/XXXX. I have two additional inquires with capital one on XX/XX/XXXX and XX/XX/XXXX however those two I made.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-01-10
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. (FL)

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My credit report contains mortgage information for XXXX XXXX XXXX, XXXX ( XXXX ) with derogatory information which is incorrect. XXXX should not be reporting under my personal credit report as the house has been transferred into a trust making the mortgage business relation between the trust ( XXXX XXXX XXXX XXXX XXXX ) and XXXX. See attachments. Effective immediately, remove all derogatory information from XXXX. Also, going forward, do not accept or update my credit report with any information received from XXXX. Close my personal report to XXXX. 

Additionally, Experian and XXXX are not reporting accurately as it relates to XXXX. XXXX does not report for XXXX.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse. 
For the record I am the person submitting this complaint. I have not hired a third party nor is anyone helping me. Please see this matter is handled with a sense of urgency.
Consumer complaint received 2021-12-23
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. (PA)

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-03-06
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. (TX)

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged offXXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXX
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.
3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX  XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX, Experian dropped my credit score by XXXX XXXX on reporting from XXXX XXXX on an account balance paid in full and ahead of the scheduled due date. I had attained and maintained a perfect XXXX score. 

Since XXXX, I have held an XXXX XXXX ( XXXX ) XXXX XXXX. The balance is paid in full and ahead of the due date every month. The card has no spending limit. 

On XXXX XXXX, XXXX ( XXXX Customer Service ) confirmed I never had an outstanding or overdue balance. I was then transferred to XXXX ( XXXX XXXX XXXX XXXX ), who told me I needed to pay my balance ahead of the due date to avoid reporting to the credit agency. When I questioned her statement, I was told to contact XXXX Customer Service. After re-explaining to XXXX that customer service transferred me to the special credit team, I requested she initiate and stay online for a three-way call. 

The call was connected to XXXX. She stated that the special credit team handles any credit reporting issues. XXXX told XXXX to tell me when to pay my bill to avoid credit reporting. XXXX responded that it should be before the due date. This went on until I was directed to contact the credit reporting bureau as it was " their '' fault.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX Wire Transfer issue This is to complain about my Wells Fargo bank saving account international wire transfer issue. 
My name is XXXX XXXX XXXX, I have Wells Fargo bank saving account ( account number XXXX ) and I did an online international wire transfer transaction on XXXX 
After I completed my online transaction, I called Wells Fargo customer service XXXX number to confirm my transaction at least XXXX times, every time they told me the transaction is fine without any error, the money is already in the recipients bank, and she should receive the transferred money in 10 days ( XXXX  ). 
I called Wells Fargo customer services XXXX number today XX/XX/XXXX again, and the representatives told me they are investigating my wire transfer case # is XXXX. This is the first time I hear about the money still not sent and there is a problem in my transaction. Whatever I heard from my previous phone calls were incorrect. The wire transfer should not take so long, and Wells Fargo customer service should not give different / incorrect answers for their transactions when I checked my wire transfer status before. Could you please help to resolve this issue? Thanks for your attention and support. 
Sincerely, XXXX XXXX XXXX XXXX XXXX