davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
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. (TX)

Complaint ID : XXXX The aforementioned Complaint with EQUIFAX is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. EQUIFAX, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, EQUIFAX sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

EQUIFAX 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on EQUIFAX 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am writing you today because, as a result of Chases negligence and complete disregard, {$35000.00} was stolen from my Chase checking account. Specifically, Chase allowed my personal checking account to be breached by XXXX unauthorized XXXX debit transactions, which increased from a few authorized transactions a month from XXXX vendors to XXXX transactions a day from XXXX unauthorized vendors. Chase did nothing but merely stood by as my earnings were stolen directly from its control. To add insult to injury, Chase has only agreed to return {$1700.00} out of the {$35000.00} that was stolen. This is unacceptable. I am hereby demanding that Chase return the remaining {$33000.00}. 

On XX/XX/2022, I notified Chase of the fraud. I first attempted to call the Fraud Department. After multiple dropped calls to a foreign country, I ran to the nearest local branch at XXXX XXXX XXXX. The representative at the branch spoke to the Claims Department and assured me my money would be returned to my account. 

On XX/XX/2022, I called the Claims Department to follow up. This specific claim includes the XXXX fraudulent XXXX debit transactions totaling {$33000.00} ( Chase refunded the XXXX XXXX debits totaling {$1700.00}, which are not included in this claim ). 

After the Claims Department failed to resolve my claim, the Branch suggested I call XXXX XXXX XXXX office, which disappointingly was just another call center. This second Claims Department opened XXXX files. On XX/XX/2022, the second Claims Department called to inform me that it denied and closed my claims. 

Basically, Chase has repeatedly and arrogantly informed me that I am not eligible to have my stolen money returned because of some unenforceable fine print. This is unacceptable. As a result, I have filed complaints against Chase with the Department of XXXX XXXX and NYPDs XXXX Precinct. The Department of XXXX XXXX advised me to file a complaint with you, the Consumer Financial Protection Bureau as it is a federal matter and Chase is a federally chartered institution.

Chase does not have the mechanisms in place to protect their clients assets from cyber theft. In speaking with lawyers, friends, and detectives, it is obvious that Chases cyber security is inferior to other consumer banks like XXXX XXXX XXXX, XXXX XXXX and XXXX. For business purposes, I use XXXX XXXX and can attest that they call me if there is the slightest bit of unusual activity on my account, to the extent that XXXX XXXX contacts me even when I use a token. I understand other banks have similar security measures. Chase does not offer automatic protection and requires clients and customers to opt in to have the least bit of security. 

I work incredibly hard to provide a living for myself and naively thought my hard-earned wages would be safe with and protected by Chase. Chases negligence and intentional disregard has caused me incredible distress.
Consumer complaint received 2022-06-18
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)

Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : Experian and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Consumer complaint received 2022-03-04
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. (IL)

Hi I am submitting this XXXX XXXX without 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 n 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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have two credit cards with Captial One. I also use their credit monitoring service " Credit wise '' among also belonging to Credit Monitoring with XXXX and XXXX. 

I noticed that my credit card balances have not been updated in quite some time. In particular my balances were last updated XX/XX/XXXX. When further investigating when balances are updated accoriding the the close of my billing statement, I noticed that they were not correctly reporting the balances timely per the billing cycles, and therefore, my credit score does not update to the score that would most accurately reflect my credit usage. 

I reached out to customer service through the Capital One Chat service, simply explaining the issue and asking them to update my balances accurately. The customer service reps simply denied the ability to do so stating that they can not change their policy as a courtesy to me. I was not asking for a courtesy, I was simply asking them to accurately report my balances for XXXX per the Credit and reporting Act. They simply did not and refused to update my balances even though they were reported 100 % incorrect. Instead I was advised to wait an additional month to see an update - but by then I will have paid my cards down even more so and it will still be incorrect! 

I feel that my consumer rights to have my balances reported accurately and timely has been violated and capital one does not seem to care very much to update them for the correct Months billing cycle - even though its the law.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I pay the full balance on my credit cards on time every month, but on XXXX XXXX, XXXX, I was late by a few hours from the cut-off time and paid the full balance, {$370.00} for BJ 's Perks XXXX  Mastercard by Comenity Bank XXXX XXXX pm on the due date. ( I had been scheduling the payment on my mobile phone that afternoon, my phone died before I completed the process and I couldn't charge the phone until I was back home later in the evening. I called the representative to explain the situation but could not have the prospective late fee waived because I had a previous late payment incident a few months before, unfortunately. All my other credit cards are always paid on time, but it just happened that I was in unfavorable situations on the payment dates for the BJ 's Mastercard two time that were quite close together. ) So the following month, the billing statement included a late fee and interest charge, for which I paid the full balance ( purchases XXXX + late fee 35 + interest charge XXXX = {$230.00} ) on time on XXXX XXXX. But again this month, I was surprised to find another interest charge ( {$5.00} ) in the billing statement ( due on XXXX. XXXX ). I called the credit card company to have the error rectified, but got an answer that it was NOT an error and it was due to the residual interest. I had never experienced a residual interest issue before. Is it legal to charge interest two months in a row when there was only one incident of late payment? 

The supervisor on the phone told me that I should have asked to pay off the interest IN ADVANCE over the phone when I was late in payment in order to avoid a residual interest charge. It still didn't make sense to me because what she refers to is the interest that was charged the first time. And if the residual interest was generated at all, it shouldn't have been as big as the initial interest charge, should it? How can the interest have accrued that much after I paid the full balance in XXXX and again in XXXX? When I talked to a second supervisor, he informed that the residual interest policy was newly implemented since XX/XX/XXXX, but when I checked my previous statements, nothing of that sort could be found for my first late payment which happened back in XXXX. I find Comenity Bank 's fee policy dubious and deceptive.
Consumer complaint received 2022-03-04
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. (IL)

Hi I am submitting this XXXX XXXX without 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 n 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 XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-02
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (AZ)

BSI slow walked my modification to the point where it took 1 year to complete. During this time frame they reported me to the credit bureau and more than 6 months behind, 180 days behind, 90 behind. You have the records that show I have paid every month. 

They also need to redo my Tax form which is a falsified document that does no have the correct amounts on it. I don't need the IRS on me as well and this org stealing my money.
Consumer complaint received 2022-03-04
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. (WI)

I have reviewed my credit reports and noticed the accounts from XXXX  are too old to be on my credit report they are approx 9 years old and should have falled off in 7 years
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I opened a checking account online on Citibank website on XX/XX/XXXX and deposited around XXXX $ and later the bank was not able to verify my identity. They tried to send me a mail with a code to verify my identity but I didn't receive the mail but I received all their other mails like the cards and cheque book. On XX/XX/XXXX they closed my account and customer representatives are not talking to me as they were not able to verify my identity. I had previously sent them my drivers license and the proof of funds documents also but they are not helping me. 
I am fine with them closing the account but I need my money back which was present in my account.
Consumer complaint received 2021-12-01
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. (FL)

Ive been victim of fraud someone open a XXXX  card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. XXXX and Experian has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, XXXX and Experian has violated my rights as a consumer and Im requesting legal action to this account immediately.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Yesterday, XX/XX/2020, I phoned my credit card, Capital One to ask about a fee. I have 2 cards with them, and I inherited money, and paid them both off. In fact, I have a credit on one, of over {$150.00}. The other card had a balance due of {$29.00}, and {$23.00} was a fee. The card people, and I called 2 times and spoke to 2 representatives, would not not me pay the {$29.00} with the other credit card. They would not dismiss the fee and they would not close my card unless I signed an agreement. I am deaf and low visioned, which I told each rep. One rep wanted to read the the conditions, I said I could not rely upon my hearing for a legal document read over the phone. She said she could not close my account. I called again, and got the same thing, only this rep directed me to the same online written agreement, which I read and said I did not agree to all of the agreement. She said she could not close my account. I was able to close one account, as it had a credit balance. They demanded I pay the {$29.00}, so I paid it with my personal checking account. They told me they would be charging my account {$23.00} again for the next billing period. The also allowed a company to auto bill me, when I never had a service with them. I had lost my wallet, and reported it immediately and had them LOCK MY CARD. I had not unlocked my card until I got my new card, but they did allow this company to auto charge to my new number. They said they can do this without my permission. Needless to say, many errors, each alarming. They go their money, I am sure they plan to take more next month, as they will not close my account. I want to close my account, and not have to sign a contract with conditions I do not agree with, and is not relevant to closing an account. They also threatened me that I could never have a card with them again. Not doubt they will also impact my credit rating in some way. Thank you for your help
Consumer complaint received 2016-02-22
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One reposessed vehicle after agreeing to payment plan. Failed to follow through with payment plan after agreeing to split up past due amounts into 3 payments. Capital one refunded payments after they were made and became posted to the account for no reason given. Reposessed Vehicle and failed to notify owner of location of vehicle for over a week violating CA repo laws. Illegal repossession took place as the repo company failed to produce documents related to vehicle after requested then contacted Law enforcement after being asked to stop taking vehicle when vehicle was attempted to be removed when owner was in the vehicle. Owner jumped out of vehicle after vehicle was lifted and by tow truck and attempted to be taken while owner was inside vehicle jeopardizing safety of owner. MOst of monthly payments have gone toward interest charges and charges associated with the full length of the loan not actual interest accrued. Other wise car loan should be considered quashed for failure to offer services made to other similar customers who have suffered hardship situations prior to terminating agreement. Credit report is not reflected with history of account as it should be. and all payments are showing refunded when they have not been. total amount due is not reflecting any payments made.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?