davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 I experienced difficulty signing in to My XXXX  XXXX video, I was instructed to go online for Sign in help. I unfortunately opened a fraudulent site and the person stated how can I help with your account.. He then hacked my bank account checking and savings which I had for 31yrs ... My checking account on a monthly basis had roughly 10 transactions a month. Never doing wire transfer XXXX payments and certainly not 33 bizarre transactions and closing my account in one day.. 
There was absolutely no Fraud monitoring and I definitely did not get Zero liability. 
I hung up called chase Bank immediately and told them freeze my account. They did not they allowed my monies to be wire transferred, XXXX payments etc for 4 days!! 
After I sent XXXX XXXX XXXX of Chase a letter I received a letter back with no signature, however telling me its my problem not theirs. 
I appreciate anything you can do to recover my money as I was furloughed and living off of unemployment and social security
Consumer complaint received 2023-01-19
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)

I've been paying Equifax a {$9.00} Recurring monthly charge for Equifax XXXX subscription Since XX/XX/2022 with this subscription Equifax promise Daily credit score and credit report. They failed to provide me with updates on my credit score and credit report. I contact them multiple times about the issue they ask me to send my ID, SSN, and proof of address i did that multiple times and they still haven't resolve the issue and i'm still paying for the subscription.
Consumer complaint received 2019-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.

First, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased  costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses. 

The fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 2 Capitol One credit cards for 5 years. The due date on my Venture One Card was changed from XX/XX/XXXX to XX/XX/XXXX without my consent increasing my minimum payment from XXXX to XXXX. I called and spoke with XXXX the supervisor and requested it be changed back and told him I couldn't afford the increase because my husband is undergoing XXXX and I have critical XXXX and have been in and out of the hospital. I have never been late on a payment and with my family 's current health crisis can not afford a random increase without justification.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-12-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (ID)

At the end of XXXX I contacted my mortgage company to take my home out of the COVID-19 forbearance that it was in. I had to contact the VA to get assistance due to the lack of response from LoanCare. The VA told me to ask for a disaster modification because the process did not require completing an application and would accomplish the same thing. This was requested at the end of XXXX. LoanCare states they mailed documents to my home in the middle of XXXX about the terms of the agreement. My payments were supposed to begin on XX/XX/2020 therefore I contacted my mortgage company AGAIN the first week of XXXX. They said they would email the documents. I waited on hold for ten minutes and was told the documents would be emailed shortly. I still have not received the documents by mail or email although this process was started nearing two months ago. As a Veteran I worry they are just trying to get me to default on my mortgage and take my home. I am not sure where to turn as I am ready to make my new monthly payment but since I have not officially signed the new agreement I have been advised by multiple customer service reps not to send payment as it will only be applied to the past due balance that is supposed to be moved to the end due to this modification.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good Day, I am writing regarding recent dispute with Capital One Bank. 
First of all, I did not ask about XXXX car rental. Company 's explanation was irrelevant in that instance. 
Second, my question was specifically about XXXX XXXX Refundable deposit which I also reconfirmed with XXXX ( XX/XX/year> ) that the amount of {$150.00} ( refundable deposit ) was refunded back to my card but Capital One charged my card instead. Though they explain about temporary credits they gave but as a result I am having a loss of {$150.00} with XXXX ( refundable deposit ) which should not have happened. 
Third, the company charged a late fee of {$25.00} recently while I paid on time ; however, Capital One rejected my new bank account and charged a late fee of {$25.00} instead without explanation.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My credit card with Bank of America was automatically paid every month by my checking account with XXXX XXXX. This was set up on the bank of america website. About 2 months ago, Bank of America closed my checking account and notified me of this action. I opened a new checking account with BOA because I wanted to stay enrolled in the preferred rewards program. 

bank of America did NOT notify me that my auto-pay, from XXXX XXXX to the Bank of America credit card XXXX was closed as well. They charged me late fee and interest on the credit card balance.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I received a copy of my credit report and this company are reporting incorrect information to the credit bureaus, a collection that is not mine. 
To whom may concern After all the due diligences I have done, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

PURSUANT 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. YOU AMERIFINANCIAL SOLUTION LLC IS conveying of information regarding a debt indirectly to the credit bureaus XXXX, XXXX, XXXX. I demand you to stop this illegal activity immediately and delete this alleged account from my consumer report. 
Attahched all documents with instructions to AMERIFINANCIAL SOLUTION LLC
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hard inquiries on credit ( identity theft ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts Opened Fraudulently XXXX - Capital One ( {$1000.00} ) - XXXX  XXXX ( I have always been an XXXX XXXX XXXX customer so this is wrong XXXX {$1500.00}
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Did a loan modification after 3 required payments were made. They then sent documents to sign with notary and sent back which were done. I am now locked out of my account and can not make payment over the phone. Did reach customer service and was told they did not get 2 of the 3 required payments when I was told a month before that they did get them. I show they cleared my account. We have good equity in our home and feel they are trying to take our home even though we did everything we were needed to do. None of this was disclosed to us until I contacted them. I would like legal help. I would make payment over the phone and the amount was taken from our account but then they would also take another amount that was not authorized and was declined so thats why they are telling me I am not current when I show I am. Locking me out of the website so I cant see what is going on should be illegal
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH LVNV FUNDING LLC # XXXX OR XXXX XXXX XXXX . I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (GA)

I was checking my credit reports and XXXX XXXX XXXX XXXX XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called XXXX  XXXX  XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is Equifax. Ive filed this dispute 6 times and I keep getting the same results. Equifax says that XXXX XXXX  XXXX says the report is accurate and XXXX XXXX XXXX says they sent over the information to Equifax to correct it but never gets corrected.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

look at my credit report an inquires i never inquired for anything from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Yes I had a lot of things deleted off my Experian credit report and I have screen shots for for proof that they was deleted but all the sudden they have re put those items back on my credit report and drop my score over slot of points until now i have poor credit rating and i don't like the way Experian running things over there Account .... XXXX XXXX  was deleted back on XX/XX/2019 and i file the dispute right here on cfrpb in the response it says clear the company has deleted the account but today XXXX it's been verified I don't understand it was deleted for wrong late dates and wrong reporting also I had 2 names deleted XXXX XXXX XXXX and XXXX XXXX my name is XXXX XXXX XXXX ... Plz someone iam begging tell Experian to fix this matter asap or I will have no choice to go to small claims court this stuff popping back up on my credit report hurting me all I want to do is start a second chance life but Experian is taking me not seriously plz remove the fraud accounts
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was sent a bill from XXXX approximately XXXX. I explained to XXXX I never had an acct with them. XXXX sold the acct to midland funding. In XXXX midland funding filed a suit against me in XXXX county nj. I won the case and case was dismissed. since XXXX I have contacted midland 4 times about removing this from my credit. I have been lied to given the run around and the company has shown no concern with this. this is still on my credit causing my score to be lower. I had no knowledge of CFPB until today. Anything that can be done would be appreciated. Thanks midland funding XXXX.
Consumer complaint received 2020-12-13
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: Resurgent Capital Services L.P. (LA)

I had a time barred debt for XXXX XXXX in the amount of XXXX and XXXX the accounts were opened on XX/XX/XXXX which exceeds the Louisiana Statute of Limitations. The XXXX account debt was deleted on my credit profile with XXXX on XX/XX/XXXX and with XXXX on on XX/XX/XXXX but the XXXX was not deleted on my credit profiles. I would like the XXXX debt to be deleted as well because it exceeds the Louisiana statute under civil code 3494. The XXXX was deleted from the original creditor but XXXX XXXXXXXX sold the debt to LVNV ( C/O Resurgent Capital Services ) they show that I owe the XXXX and XXXX both from XXXX XXXXXXXX which are both time barred debts. XXXX XXXX needs to delete the XXXX debt as well not just one debt. The collection agency above needs to also delete XXXX debt because it was deleted by the original creditor. Thank you for your time and consideration into this matter and resolution. 

Sincerely,
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (MD)

I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.