davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NJ)

I had {$6000.00} stolen from my Chase Bank Account in two separate {$3000.00} transactions. I was able to get the money back from my bank, but am still unsure of how the money was stolen in the first place. XX/XX/2022 is an estimate of when the money was taken.
Consumer complaint received 2022-05-02
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. (TX)

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Equifax - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 XXXX XXXX XXXX XXXX XXXX  ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Consumer complaint received 2022-01-15
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. (PA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (KY)

Back in 2010 we were XXXX of the XXXX victims described in the Flagstar Bank lawsuit that has since been settled. We were strung along for months trying to get a loan modification, only to be denied. The entire time Flagstar Bank was telling us they were processing our paperwork, they were also going forward with the foreclosure. An agreement wasn't reached until the day before our home was to be auctioned off at the court house in our hometown. We ended up re-working the loan, which added back in all of the past missed payments, lawyers fee 's, etc. We had to take it because we didn't have a choice. The reason i contact you today, is because i have just learned of this settlement, and we were never notified. I understand if too much time has passed, but i just wanted to check on it. We were wronged, embarrassed, and suffered lots of sleepless nights and marital problems and we feel we were never given an apology of any type or Flagstar admitting any of it's wrongdoing. 

Thank you!
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (ID)

I closed my Amazon account with a XXXX balance last summer, about 8 months ago. Every consultant I have spoken to has indicated that I would not have been able to close the card if the account wasnt paid, now I am being harassed for over {$300.00} in late fees and surcharges. How does one acquire late fees and surcharges on a closed card with a XXXX balance. I have requested records more than 3x, and still have not received anything from Amazon to validate or sustain their claim that I owe them a debt.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish am account without my written instructions.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

If we modified in XX/XX/XXXX, we were billed approx XXXX for modification. 
Lender billed XXXX for 8 months of payments which included interest principal and escrow.. principal payments were deducted from principal balance, but Escrow of over XXXX was not credited and interest also was not reported on 1098 form for XX/XX/XXXX. 
We were billed for escrow, yet we started year as a minus of XXXX even though thru our payments and modification we paid over XXXX for escrow. 
Also fees charged for legal fees when modification was delayed by lender added extra cost.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (CA)

Total Visa has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
Consumer complaint received 2021-11-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc. (TX)

On XX/XX/XXXX A lady by the name of XXXX XXXX at XXXX and XXXX XXXX aka XXXX XXXX  contacted me stating that they were taking me to court if I didn't pay the debt that I owed from Moneykey. I have been trying to fix my credit so I went ahead and paid {$430.00} to settle the debt because I didn't want it to hit my credit. She sent me a letter of satisfaction of the debt and stated that they will not pursue any other action. 

Then on XX/XX/XXXX I get a call from XXXX XXXX stating that they are going to be serving me with a lawsuit that day if I didn't pay the debt that I owed for Moneykey. I forgot that I had already paid them and not wanting it to hit my credit I set up a payment arrangement and paid {$250.00}. Later that day I finally realized that I had already settled and paid the debt with them in XXXX. I called the next morning to get it resolved and get refunded and they were extremely rude stated that I have XXXX accounts for Moneykey and that I owed them. 

I called Moneykey and was advised that I only had XXXX account and NEVER had XXXX accounts with them. 

I reached back out to XXXX and XXXX consultants aka XXXX XXXX and talked to XXXX XXXX and he stated that it was untrue and they will not be refunding any money. 
I Disputed the charge with my bank account and left it alone. 

On XX/XX/XXXX at XXXX, XXXX, and XXXX I received a call from the " Attorneys office '' of XXXX and XXXX consultants demanding that I pay them or they were going to be serving me with a lawsuit.
Consumer complaint received 2022-05-02
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: General Motors Financial Company, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I made a one time purchase at the XXXX store and opened their their comenity bank card to get a discount. I am continually getting interest charges which they say they wave and no charges are pending but then every month I get a interest rate fee. I call and try to pay the fee and they keep saying no pending charges. But I keep getting a fee and interest payment bill every month. Starting from XX/XX/2021 until XXXX XXXX
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My mortgage was sold three times in the short time that I have owned my home. I purchased my home in XX/XX/2016. The latest mortgage company is SLS Loan Servicing ( Company ) whose principal place of business is somewhere in Colorado ( they keep changing mailing addresses ). I have been trying for a year and a half to have PMI removed from my mortgage payment. I have spoken to them countless times and sent a few letters. I have met all of the criteria for having PMI removed from my account including authorizing ( and incurring the cost of ) an appraisal ( even though the original appraisal was only a year and a half old ). That I have to pay for an appraisal is doubly outrageous as I have provided a appraisals of properties in my neighborhood which clearly demonstrate an increase of $ XXXX over what I paid for my house. I have been waiting for the results of the appraisal for over XXXX months. I despise this Company. All it has does is jerk me around and delay, delay, delay.

Please tell me if there is some entity other than CFPB that has jurisdiction over this matter. I am at the point where I am contemplating filing a lawsuit against this Company, but again I'm already being XXXX   financially by having to pay for PMI which shouldn't be on my account to begin with, and an appraisal that isn't necessary.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. Experian, XXXX, and XXXX have been contacted 3 times and no change.
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (FL)

This person keeps calling me at work her name is XXXX. She says that I co-sign for a somebody student loan of ( {$50000.00} ). The person 's name is XXXX but I don't remember the last name. She only has my name and keeps asking for my dob which I refused. 
I don't own any student debt and I have never co-signed for anybody for anything. I keep telling her it is not me and she keeps calling me and harassing me even when I keep telling her not to call me. She keeps leaving me messages in my voice mail at work.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax will not remove a duplicate entry of a credit collection company off of my report. Representatives at equifax agreed it was the same account listed with different open dates as to harasses ( me ) the consumer. Under the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I have to inform you about what a horrible situation our Mortgage company is putting us in. 
After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP (MD)

Hello, I was working with another company regarding a business mater. 
I was told by the other company that I have not paid my mortgage since XX/XX/2018. I have paid my mortgage and the mortgage is current.. My mortgage is showing at the credit bureau that I have not paid my mortgage since XX/XX/2018. 
This can effect my credit score as well as other adverse actions.

Also, I have not received my mortgage statement since XX/XX/2018. When I call Selene Finance XXXX XXXX a customer service agent said a third party administrator will send the statement. I have been calling since XX/XX/18. 

Please help.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I'm done with this garbage company. I sent XXXX hours on the phone today trying to get a fraud alert removed from my account on a card I haven't even tried to use in 3 months. I talked to literally XXXX people. Some would say there is no fraud alert, others would say there is XXXX but it's been removed. I finally just asked them to close the account. The agent refused to close the account saying there's a fraud alert ( which I can't get cleared up despite answering their endless and repeating question over and over and providing all correct and necessary information to them ). It's a secured card and they won't let me use the card, so I just want the card closed and the {$300.00} mailed to me in the form of a check.
Consumer complaint received 2022-01-10
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. (NY)

None of the accounts below belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P. (NY)

Not sure why lvnv funding is on my credit report in the amount of {$2700.00} I didnt give permission to release my info to this debt collector XXXXXXXX XXXX XXXX  as well in the amount of {$180.00}
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I had money transferred into my account, this past Thursday. This money was instantly transferred and made available instantly to my checking account. This money was transferred by instant deposit via XXXX  into capital one. Unfortunately at some point between Thursday evening and Friday morning the funds were all gone. It is now Monday and the issue unfortunately still hasnt been resolved. This has caused me distress.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I Filed a complaint with the cfpb earlier this month and Equifax ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXXf XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Consumer complaint received 2022-05-02
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. (GA)

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

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I have a collection account on my credit file that is due to my identity theft case and it linked to my neighbors home not mine and the address needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX, this is not my residence.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NV)

I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have NOW filed with your agency on the same issue since 2013 and recently again filed another complaint case # XXXX CFPB does NOT seem to know what they are doing. 

This complaint has been ongoing for over XXXX years and Wells Fargo is and has been fully aware of the issues as well as CFPB and yet you do NOTHING? delays wrong information still appearing on credit reports are still wrong so what are you doing?????????????????????? 

Lets NOT waste my time yours and the lying bank who tells me they have YOU AT CFPB by the hand and that is why is have done NOTHING XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (KY)

AMERICAN EXPRESS XX/XX/XXXX AND XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to American Express and XXXXXXXX XXXX XXXX with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

PCB IncXXXX collecting on a debt that provider already admitted did not owe. I have submitted {$150.00} to this collection agency and they will not respond to emails or phone calls to refund payment. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX UNKNOWN FURNISHER  account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account number XXXX XXXX XXXX XXXX Someone used my card to XXXX {$220.00} XXXX transaction. When I called XXXX, they refused to do anythingabout it. Thus I filed a dispute with Capital One only to receive a decision of denial .Capital bank put the charge on mycredit card after the credit card has been closed and paid off.