davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
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: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX/XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I submitted a complete modification package to XXXX XXXX, XXXX on XX/XX/XXXX. I did not receive a denial letter until XX/XX/XXXX after receiving the notice of acceleration on XX/XX/XXXX ... the letter is dated XX/XX/XXXX with a fix by date of XX/XX/XXXX ... the sale date is scheduled for XX/XX/XXXX. I hired an attorney to help me before starting the process and I am still shocked that it happened this way. I am XXXX. XXXX
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I have an account with Commenity bank Victoria secret and the company has closed my account due to inactivity without any warning. 
I have been a good customer with them since XXXX and they have increased my limit. However in XX/XX/XXXX, they have decided to close my account without warning or my knowledge.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Since XXXX, 2021, my Equifax credit report was deleted by Equifax. I contacted Equifax and they admitted there was a technical issue and that my file would be rebuilt. When I later applied for a mortgage refinance XXXX, 2021, I was denied a mortgage refinance due to my Equifax credit report being blocked. I also could not view my credit report on Equifax.com. This issue has been unfixed and complaints, letters, and documents being certified delivered have not helped. When I check each day for my credit report, it shows as no account history and creditor denial letters show that there is a block preventing them from pulling my credit file to confirm offers of credit. I have since had over 63 credit denials all due to the issue that the creditors can not access my Equifax credit report due to a block initiated by Equifax. EQUIFAX asked me to submit verification of my address and I submitted eight documents including a property tax bill, utility bill, utility proof of residency, drivers license, Social Security card, internal revenue service statement, and mortgage statement. The US PS verified that EQUIFAX is in receipt of those documents which were sent via XXXX mail and EQUIFAX still currently denies receiving these documents which they claim are needed in order to investigate the issue. The issue has not been investigated now for seven months and I am losing money on interest rates and Im unable to buy a mortgage or vehicle due to not having access to my credit file.
Consumer complaint received 2022-03-01
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. (MS)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

There was a {$350.00} transaction paid by my XXXX  XXXX XXXX credit card through Paypal on XX/XX/21 which went onto dispute. 

The dispute continued with XXXX  XXXX XXXX XXXX process and a full refund of {$350.00} was issued on XX/XX/21. 

Paypal issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 Paypal reversed the {$140.00} temporary credit from my Paypal account instead of the credit card account. XXXX  XXXX XXXX made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. XXXX XXXX XXXX says it's Paypal 's issue and Paypal says it's XXXXXXXX  XXXX XXXX XXXX issue. 

Someone needs to re-issue the {$140.00} credit back to me.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Folks that are set up with automatic payments with Capital One is still being charged late fees on their accounts I've spoken with three family members and my wife and I also. We went back through our statements till XXXX and found it every month they hit us for {$40.00} and {$28.00} on an additional card through Capital One these are accounts that are set up for automatic payments. Automatic payments are supposed to prevent late fees I wonder how long they've been getting away with it called them they would only reimburse last month 's charge. They would not reimburse the other ones that we brought to their attention on our statements.
Consumer complaint received 2021-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CO)

On XX/XX/2021 I submitted a completed loan application through the PenFed website. I since then have not received any communication or Initial Disclosures from the lender. 

On XX/XX/2021 I made several calls to PenFed. None of them were successful in reaching an agent or employee of PenFed. The phone would route me to wrong departments and/or disconnect. This happened numerous times. 

On XX/XX/2021 I submitted a message on the penfed website using their " secure online messaging '' option for communication. Still no response. 

On XX/XX/2021 I made an additional attempt, calling penfed again. This time I got someone on the phpone, was in the wrong dept. but said he would transfer me to the mortgage dept. After 20 minutes on this call, it also disconnected. I made the agent on the call aware that previous call attempts had led to disconnecting the call. He took down my number and told me he would call me back if the call were to get disconnected. He never called back. 

Its been more than a weeks time, I have not received my initial disclosures, my credit was pulled, and I have made more than a reasonable number of attempts to connect with this lender, and get no response.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. XXXX, Transunion and XXXX has reported this information to my credit file in error. The account are as follows : XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Reporting Act Online Information System Account # ending in XXXXXXXX XXXX XXXX XXXX XXXX # ending in XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U S.C 1681 Section 602A states that I have a right to privacy. 

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-12-06
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NJ)

This company withheld information pertaining to this account. They failed to state that I had the right to opt-out of having my information shared with a nonaffiliated third party. They went on to furnish this account onto my consumer report without my consent. Additionally, they also closed my account with my authorization after they've already been paid in full upon obtaining my credit card ( Social Security Number ). These are all violations of TILA and FCRA. I feel like I am being taken advantage of by this company.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I'm a checking customer through PNC bank. PNC has made it impossible to use non-PNC banking products, like XXXX or XXXX, and has made it very difficult to use payment products like XXXX or XXXX XXXX. PNC doesn't offer comparable products ; and it makes it more difficult to send and receive payments, and also to use innovative financial products to save small amounts of money like XXXX or XXXX.
Consumer complaint received 2022-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MS)

Freedom Mortgage has requested my insurance information a letter dated XXXX XXXX 2022. I contacted them and talked with XXXX. He provided me an email address and I forwarded my documents to him on XXXX XX/XX/2022. I then received another letter on XXXX XX/XX/2022, saying that the letter didn't cover from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and that if I couldn't provide coverage for those XXXX  days, I would be charged XXXX. I once again contacted them and sent information to them on XXXX XX/XX/2022, and I have provided an adjusted statement to them. I then received another letter dated XXXX XX/XX/2022 about not having coverage. This letter included an option to submit via online and I submitted once again on XXXX XX/XX/2022. 
I have provided insurance verification once again and awaiting approval, but how is it legal or ok for the mortgage company to purchase a policy valued at {$680000.00} and my mortgage is only worth {$120000.00}, and then want to charge {$7600.00} per year for said coverage. If this is not illegal, should I write my congressman and ask for a law to be passed concerning this issue. 
Then in the notices that are sent your only option is to call or fax. Who has a fax machine in there house anymore? Only on the XXXX letter did it provide an option to submit via online. 
All of this seems illegal.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper a mortgage provider recently took over my mortgage from another company. I got a letter recently that they did not pay the insurance on my house even though the money has been in escrow. Ive tried calling them a few times and either keep getting put on hold or they let me speak to someone who is working from home who clearly isnt qualified to handle anything related to mortgages. The couple people I did speak to tell me that they cant get anyone on the phone from my home owner insurance company. I find that hard to believe that is the case. While i was on the phone with them they were magically able to get a hold of someone. After that the call got disconnected and the agent from Mr. Cooper said he would call me back or send me an email stating it was taken care of ... ..none of this has been taken care of. I did not ask nor did I have in any say in having Mr. Cooper service my loan. They are extremely hard to get anyone on the phone to help talk to and haven't fixed my issue. When they finally offered to help with a resolution I asked for an email confirming the issue was resolved they offered to send a fax ... ..its 2021 and they cant send an email? This company has very bad business practices and seems to be ran from someones garage. I did not ask to do business with them and its unfair how they treat their customers.
Consumer complaint received 2022-07-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flat Branch Mortgage, Inc. (LA)

Mortgage Banker Flat Branch Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, First, they tried to push me into a conventional loan by telling me the VA loan was 5.75 %. I contacted XXXX and discovered that the VA loan was only 5.25 %, this was also confirmed on the internet by research. 

Second, I was working with them on a previous property that fell apart because they failed to make the mandatory Veterans escape clause available for signing to me and the seller. My agent was trying to get me to pay $ XXXX more than the appraisal. I contacted the Illinois VA Loan program and spoke with XXXX XXXX XXXX and he told me they were supposed to have that. That was the only way I was able to get my earnest money back. 

Third, Now that I am going with XXXX for my VA Loan, Flat Branch Home Loans is trying to get me to pay {$560.00} for the previous property inspection that I have a bill from the appraiser for {$350.00}. They are attempting to use a signed document that does not have any clause for a XXXX. 

Flat Branch Home Loans, was recommended by my first realtor who was trying to use my V.A. Approval letter to tell me that the appraisal was increased by the VA by the above mentioned $ XXXX. Tring to con me. Then her mother, the seller 's agent, emailed me through her daughter and husbands email trying to legally threaten me because the non-existing VA appraisal override was being used against me to force me into the purchase. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, By CEO XXXX XXXX, said that they resolved the issue, but how can I be sure. 

As you can see from the email and " bills '' from flat branch, and the invoice from XXXX XXXX XXXX, Flat Branch is commiting fraud. The bill is for {$350.00}, and not {$560.00}. 

This entire process is corrupt!
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. LVNV IS NOT LETTING ME EXERCISE MY FEDERALLY PROTECTED RIGHTS UNDER THE FDCPA. 
I HAVE REACHED OUT TO LVNV AND THEY KEEP RESPONDING TO CFPB SAYING A LITIGATION IS PENDING OR PRIOR ON THIS CONCERN WHICH IS INACCURATE NO LAWSUIT IS IN PLACE AS OF FEBURARY XXXX. I SPOKE WITH XXXX XXXX ON XX/XX/XXXX THAT WORKS WITH THE ATTORNEY XXXX XXXX THAT TOLD ME THE SUMMONS THAT WAS FILED XXXX XXXX IT WASNT SUCCESSFULLY SERVED AND HAS EXPIRED AND SHE TRIED TO GET ME TO PAY IN FULL OR SAID I COULD SET UP A PAYMENT ARRANGEMENT WHICH IS STILL ATTEMPT TO COLLECT ON A DISPUTED DEBT PURSUANT TO 15 USC1692G ( B ) ALL COLLECTIONS SHALL CEASE DURING DISPUTE. XXXX ALSO STATED MY LETTERS ARE ON FILE AND THEY HAVENT DECIDED IF THEY WILL RESPOND TO THE VALIDATION OD DEBT WHICH IS OVER A MONTH PASS THE DUE DATE. THE CIVIL CLERK AT XXXX DISTRICT ALSO TOLD ME THE SUMMONS WAS NEVER SERVED. LVNV IS WILLFULLY AND NEGILENT NONCOMPLIANCE WITH FEDERAL LAW. I WAS NEVER SERVED NOR HAVE I RECEIVED ANY NOTICE SHOWING SOMEONE TRIED TO SERVE ME. I SENT LVNV A VALIDATION LETTER THAT WAS RECIEVED XX/XX/XXXX BY XXXX XXXX, DUE TO XXXX EMAILS I RECEIVED ON BEHALF OF LVNV USING OBSCENE AND PROPANE LANGUAGE AND THRETHENING ME TO TAKE LEGAL ACTION THAT CANT BE TOOKING. I HAVE SENT MULTIPLE LETTERS AND THEY FAILED TO RESPOND AND CHOSE TO USE THIS STALL TACTIC. PURSUANT TO 15 USC 1692i ( b ) NOTHING IN THIS SUBCHAPTER SHALL BE CONSTRUED TO AUTHORIZE THE BRINGING OF LEGAL ACTION BY DEBT COLLECTOR. NOR DID I SIGN A CONTRACT TO AGREE TO A SUE.

LVNV HAS NOT HAD MY PRIOR CONSENT TO CONTACT ME PURSUANT TO 15 USC 1692c ( a )
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XX/XX/XXXX ... ... 3 letters later and yet XXXX or EQUIFAX have done nothing, XXXX  has failed to provide me for a release form where I signed to release my PHI ( which is in hippa violation ).
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Accounts Commonwealth of Va- closed account ( XXXX ) XXXX XXXX- closed account ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I purchased shuttle services with XXXX for transportation from the XXXX airport to the hotel. XXXX sent a link to complete payment. The cost agreed upon was {$71.00} USD, or {$1300.00} MXP  at the time of currency exchange rate. The confirmation invoice confirmed the charge of {$71.00} USD. However, when I checked my card statement, the charge was incorrect. It was in the wrong currency. Instead of being charged {$1300.00} MXD, I was charged {$1300.00} USD. Please see the scanned documentation below, which shows our invoice and the incorrect charge on my bank account. 



This screenshot of my XXXX statement indicates the charge of {$1300.00} USD. The wrong currency. It should have been {$1300.00} MXP or {$71.00} USD. 



When I went to submit the first dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ), I subtracted the initial cost of {$71.00} and disputed for the remaining balance of {$1200.00}. For the first dispute I was unable to provide evidence, and I believed that Chase would be able to resolve this straightforward issue without further delay. 

For the second dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ) I provided several pages of evidence in the form of invoices to prove that I was charged in the wrong currency and that XXXX owes me {$1200.00}. The second dispute was also unsuccessful. In a generic form letter, Chase incorrectly denied this claim, stating that the charge was valid after further inquiry. XXXX still wrongfully has my hard-earned money that does not belong to them. I paid my outstanding balance, which included the XXXX charge, to avoid incurring additional interest charges on my account. 

The third attempt to get the bank to help me get the refund back of {$1200.00} ( CHASE claim ID : XXXX on XX/XX/XXXX ). I was advised by a customer service agent to write a letter explaining the situation. I asked them to please review the attachments and contact me if this explanation is still unclear. I have been a loyal Chase customer for over a decade, and I have never had such a difficult experience getting help. I got a notification on XX/XX/XXXX saying that my dispute had been closed. I never got my refund back. 

I have contacted XXXX for updates since XXXX. They now claim to want to refund the full {$1300.00} USD for all the inconvenience. When I try to contact them for a direct refund they do not respond to my calls or emails. 

I would be grateful for any assistance in recovering the money that was taken fraudulently. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TN)

I, the consumer, as defined in 15 U.S. Code 1692, a natural person, have reported to Credit Control LLC of their Federal violations under the FDCPA, which negatively affecting my individual credit reporting. I invoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K as outlined in the invoice. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact me any further about this alleged debt. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company on company letterhead.