davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Tuesday, XX/XX/2020, I deposited at about XXXX local time the sum of {$600.00} CASH via ATM on XXXX XXXX XXXX , XXXX XXXX , CA , into my Credit Card Account ending in XXXX. 

Regrettably, on Wednesday, XX/XX/2020, Bank of America is UNLAWFULLY WITHHELD CREDITING MY ACCOUNT, in clear breach of their own Terms of Contract & Service with me-which unequivocally stipulates that Monies or Checks deposited by XXXX on a business day would be CREDITED the next business day. Accordingly, I strongly believe Bank of America 's action is not only capricious, but DISCRMINATORY as well. 
I say this because the previous week, I had tried to make a payment by XXXX for the amounts of {$77.00} and {$100.00} respectively, which was REPEATEDLY DECLINED. Bank of America sent me a Text and Email to verify these two transactions, which I promptly did. 

Indeed, on the night of XX/XX/2020, I also called Bank of America, spoke to the " Fraud Department '', and assured them AGAIN that the aforementioned XXXX transactions were made by me. I was assured that the necessary NOTES would be made on my Credit Card account, and that my Account would not be " blocked again ''. 

Despite this affirmation and confirmation by Bank of America fraud department staff on XXXX, Ms XXXX ( Employer ID # : XXXX ) of Bank of America `` Contact Center for Credit Card '' told me today that the reason why the {$600.00} deposit was being withheld for the next five days ( i.e. until next Monday, XX/XX/2020 from being credited was ostensibly because Bank of America was waiting for it " to clear '' their system. This is clearly LUDICROUS and a BLATANT LIE. I mean, it's a CASH DEPOSIT-for crying out loud. 
Against this backdrop, I strongly believe that Bank of America is hell-bent ( albeit unlawfully ) to impose a FALSE NARRATIVE upon me and my account to the effect that there must some " fraud '' going on with my credit card account. This is pernicious DISCRIMINATION.
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

We were offered a Covid Forebearance period of 6 months. After the forbearance period was over, we contacted Freedom Mortgage for reinstatement options. We were told that we were approved both by phone and US mail in XXXX for a " VA Disaster Cap and Extend Mod '' We started our three month TPP ( temporary payment plan ) in XXXX that would end in XXXX and at that point our permanent modification would be put into place. This the new monthly amount under the TPP was {$1000.00}. We paid {$1200.00} per month in XXXX, XXXX, XXXX, XXXX and now in XXXX. Fully satisfying the TPP. The first week of XXXX, I called and sent a message through the secure system to check the status of my permanent loan modification documents. I was told they were 30 days behind. At the end of XXXX, I called again and inquired again through the messaging center and was told " 7-10 business days '' your documents will be out to you ( with the explicit instructions about signing in front of a notary XXXX XXXX, the second week of XXXX I called, was told the same thing " We are behind getting the documents out but all is in order ''. I called again on XX/XX/XXXX, I was told the same thing but this time that I would be getting a status update from " XXXX '' my " single point of contact '' no later than XX/XX/XXXX. XX/XX/XXXX came and went, nothing. On XX/XX/XXXX I sent another message through the message center online and the response I got back was " It looks like some of the documents you sent were cut off or illegible and they are unacceptable we can not proceed '' What documents? The ONLY documents sent to them were the ones from XXXX that they MAILED to me and we signed and send back via XXXX overnight in the original form they were sent to us. Nothing was faxed, copied or replicated. This is all starting to seem like a stall tactic so that they can unjustly drag this out either to their benefit or to the tune of foreclosing on homes considering the inflated values of homes at the moment. Freedom Mortgage not only promised me over and over again that my loan mod docs would be to me " any time now '' *actual promises and congratulatory joy-pull the phone calls* and now they are literally ignoring me and making up complete fabrications about documents being " Cut off and unacceptable '' We even made a point at the beginning of XXXX to call XXXX once our XXXX  was sent to them to confirm they were received, completed correctly and in our file. We were guaranteed that this was all set and that we had NOTHING more to do than to make the TPP payments and wait on our permanent loan mods docs in XXXX. It is now XXXX and we are no closer to our modification and moving forward.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

There Are Inquires On My Reports That I Did Not Authorized, Plz Delete All Inquires On My Report. My Information Was Compromised Online. I Would Like These Removed!
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (FL)

On XX/XX/2022, I received a phone call from AscensionPoint Recovery, LLC at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his XXXX 's XXXX XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. AscensionPoint called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of Fla. Stat. Ann. 559.52. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!
Consumer complaint received 2022-01-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC (NY)

Mortgage debt was discharged in XXXX of 2014. Selene Finance bought the discharged debt from XXXX XXXX and has been harassing us ever since. They most recently reported the closed account as open and past due causing my credit to drop XXXX points. We've notified them by phone and in writing by providing the discharge papers and they continue to call, send fraudulent insurance request paperwork, and make harassing phone calls. Ive disputed the debt though XXXX and they refuse to remove the item from my credit saying the debt has been validated even though I provided the discharge paperwork.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the XXXX & XXXX breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have sent multiple letters and complaints to XXXX equifax and XXXX about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX- I submitted my second modification request. The first was denied because Chase said they didn't receive papers which I sent to them. I verified this with them. 
XX/XX/XXXX- I spoke with CHASE Representative XXXX XXXX and discussed what additional information was needed to submit the modification packet. 
XX/XX/XXXX- I am contacted via mail solicitation by several Attorney 's offering to represent me because CHASE filed a foreclosure on my property. 
XX/XX/XXXX- I write a letter which I faxed and sent certified USPS requesting they stop the foreclosure because I am in a modification And I inform them I am willing to work with them to sell my house if I am not given the opportunity to modify my loan. 
XX/XX/XXXX- I speak to XXXX XXXX , at CHASE, she assures me there was a mistake and I am not in foreclosure and can move forward with the modification. 
XX/XX/XXXX- I speak with XXXX XXXX XXXX , CHASE Executive Office, she informs me she can not discuss the loan because there is no authorization form. I have been talking with CHASE since the inception of the loan and an authorization from my ex husband has been on file since XX/XX/XXXX!  I was a signer on the original loan, but when we did the first modification, which we successfully completed, the CHASE Representative told me it would expedite the modification if it was I'm my Ex husband 's name. At that time I owned 75 % of the house. Since the divorce in XX/XX/XXXX, I am 100 % owner and the deed was recorded solely in my name. Now she won't speak to me? I have explained my situation to chase in my hardship affidavit and speaking with the Representatives on numerous occasions. She did not bother to check the records. 
XX/XX/XXXX- I received a notice of default and election to sell and a Declaration of Compliance from Quality Loan Service , Corp. stating they contacted me to discuss foreclosure options. This is not true and they are violating Cal. Civil code Section 2923.5. They did this while I was in a modification process which is also illegal. 
The loan amount they quoted is also incorrect. 
They claim in the paperwork I owe {>= $1,000,000}. This was the original loan amount before I completed the first modification. The amount I now owe is approximately {$750000.00} These are gross errors on their part and they are unethical unfair business practices. 
Clearly, they are telling me one thing and doing another in an attempt to take my house which I have struggled to keep for 12 years.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AL)

I HAD A RESPONSE FROM WELL FARGO ABOUT THE ISSUE OF NOT CASHING MY CHECK AND CAUSING ME STRESS THAT LEAD TO ME HAVING TWIST MY ANKLE, ON XXXX/XXXX/2023 WHERE IN THEY ASK FOR MORE TIME. THIS WILL BE A MONTH ON THURSDAY. AND I HAVE NOT EVEN HEARD ANYTHING FROM THE COMPANY. MEANWHILE I HAVE HAD PAYMENTS DECLINED, PURCHASES CANCELED, ETC. I FEEL THE COMPANY IS AVOIDING ACCOUNTABILITY IN THIS MANNER AS SO MANY BIG COMPANIES DO. THESE ACTIONS HAS CAUSED ME MORE EMOTIONAL DISTRESS AND IS NOT ACCEPTABLE. I ASK THAT THE REMEDY THIS MATTER AS IT IS A CONSTANT ISSUE WITH NOT JUST ME, BUT MANY OTHERS OF XXXX. PLEASE DO NOT ALLOW THIS TO CONTINUE WITHOUT CONSEQUENCES FOR THEIR ACTIONS.
Consumer complaint received 2020-11-05
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. (NY)

XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Consumer complaint received 2019-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (TN)

I gave this company hand delivered letter stating not to call my work per the fair debit protection act. They refuse to honor this and they will contact family members asking them to get in touch with me. They will constantly call my home phone off and on all day sometimes back to back. They have come out to my home without noticed. I am harrass my them daily
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name XXXX Account numberXXXX Account type XXXX XXXX In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the 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 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any Purpose
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I signed up for XXXX XXXX and tried on a pair of XXXX XXXX for a trial. I returned the items on Saturday XX/XX/XXXX, one day before the trial ended. On XX/XX/XXXX they charged me {$160.00} because they said they never received the item. This was almost three months after I returned them. I contacted my CC company, Chase, and they will not dispute this charge for me.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my XXXX XXXX. 
I would like the XXXX  day late deleted from my credit report
Consumer complaint received 2020-11-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3400.00}, {$1600.00}, {$5500.00}, {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (SC)

I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

CFPB I put in 2 complaints to you on XX/XX/21 and XX/XX/21 about Portfolio Rec ignoring me and they finally sending me 1 piece of paper calling it validation. That was not validation and it wasn't all the supporting documents I asked for. They are still reporting this unvalidated allege account. The FCRA specifically says they are required by law to send validation along with the supporting documents I have requested.

Why haven't you stepped in and made Portfolio Rec follow the law of the FCRA and provide me with the docs I asked for. Why haven't you made them stop reporting this allege debt until they proof they have the authority and along with the other pieces of supporting documents I requested?