davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was charged {$75.00} on XX/XX/year> by XXXX XXXX XXXX for a deposit made to my friend 's inmate commissary account. However, the money was credited to his " inmate account, '' which is a different thing. This meant that it could not be used to purchase commissary items. I contacted XXXX customer service but was denied a refund. 

I filed a claim with Chase to have the charge reversed on XX/XX/XXXX, and was credited {$75.00} to my account. On XX/XX/XXXX, I received a notice saying my claim had been reviewed and dismissed, and that Chase would be charging me {$75.00} in the next few days.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Credit Adjusters, LLC (TX)

Dont know the date but contacted the credit bureau gave me info of the the debt collector, NCA for {$1300.00} was a {$900.00} loan I supposedly pulled out. When I was asked for address I lived at and employer I worked for it did not match.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tried to open a representative payee checking account, which Capital One told me they stopped offering last year, mentioning that this is part of how they keep costs low for everyone. I am representative payee for my XXXX y.o. son and his XXXX benefits, and the rules are clear : no joint account. Which is the only option Capital One seems to have available now. XXXX The account with one owner, which I tried to open for my son to comply with the XXXX rules, is not able to accept deposits of his checks according to Capital One rules because they have my name on them, formatted as " XXXX Representative Payee XXXX for XXXX Beneficiary ) '', and they claim to have no option to title the account as required by XXXX rules. ) All this is a problem for me, and my son, -- including, now I don't have access to the money from the check Capital One accepted for deposit, so I can't pay his expenses with it. And, XXXX requires he received his benefits via direct deposit, which I obviously can't do without an account. 

So, I will find another bank to take my business to. 

Big picture, though, this seems like discrimination against people with XXXX. Whether or not it was their aim, Capital One has effectively prevented all XXXX people who rely on representative payees from using their bank.
Consumer complaint received 2019-03-07
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX  XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX   XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$2600.00}
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

I noticed a fraudulent activity on my credit report. There was a charge of {$490.00} for some drinking water delivery services for a company based in XXXX. The company in question is XXXX XXXX XXXX XXXX who indicated they provided these services to me but I have never hired their services nor had I ever got a delivery service. We have always purchased our drinking water at XXXX. I spoke with the collection agency " Collection Bureau of America '' because they are now trying to collect this fraudulent account. I never hired this service and it is clearly a fraudulent account that I want it removed from my credit report.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX asked Wells Fargo to remove acct as responsibility was xwifes. Filed previous complaint with CFPB. Findings were up to x-wife to refinance to remove name from loan # XXXX. 

My credit on XXXX  is still being destroyed by her debt remaining on my credit. I have no paperwork submitted to them debt was paid. Late payments were never removed. I found out through a conversation with a friend that she sold house. This is unfair to hold her past irresponsibility on my credit. Documents prove it is her debt. They already had the paperwork presented. This is vicious and unethical to continue to mar my credit. 

Please remove debt and its poor payment history from my credit. We divorced in XXXX. Debt was her responsibility.
Consumer complaint received 2021-04-05
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. (VA)

Requested my annual credit report via XXXX for XXXX  and Transunion. A week to 10 days later I received an extensive report about my account from XXXX  and a postcard from TransUnion requesting that I provide 2 forms of identification per the list they provided - all would contain Personal Identifer Numbers. At this time, I'm not comfortable supplying this info via mail and do not understand why TransUnion is requesting these documents when the other two credit reporting agencies do not. I'm writing to request that TransUnion change its policy and procedures that this info be confirmed online per other companies examples. Given the level of technology that is available, the access that TransUnion has to other info that confirms the requested info, this request feels like unnecessary obstacles are being created to obtaining my credit report from them. 

Thanks XXXX XXXX
Consumer complaint received 2019-03-07
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: CITIBANK, N.A. (CA)

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Cbna Inquiry date : XXXX2018 XX/XX/XXXX2018 XXXX2018
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a Checking account with Bank of America, there was a fraud with the account with cash app, I reported to them and my account is closed since XXXX. I kept calling BOA to see when the check was going to be mailed out, they stated I had to wait until the claim is over, which they said it should be over at the end of XXXX, I called them again they push it back to XX/XX/XXXX, I called them on that same day, the representative told me that my check should be mail out that same day, she then told me to call back the next day. I called back the next day which is today, now they are saying I have to wait until XX/XX/XXXX & possibly XX/XX/XXXX. Thats crazy, I need my money please help me, Im broke and they playing with my money, they are going to keep pushing the date back, feel like this is all a scam, I believe its probably nothing left to do but to sue them or something, please help me p.s All the representatives i spoke to is stupid & need to get fired ASAP
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I am in the process of applying for a loan modification. My loan requires a balloon payment of XXXX, as the loan has matured. I was told by a representative that I could modify. I have the ability to continue to pay under the previous monthly terms or a new refinancing. I just dont have the lump sum amount. During this process, I have offered to make the interest payments to keep the account current. They have refused payment, yet send me bills indicating that I should make a payment to reinstate the account. They are also reporting this on my credit report, making it impossible to finance through a third party.
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

In XXXX of this year I received a email from my current mortgage holder Freedom Mortgage saying I could reduce my mortgage payment and keep the same term on my mortgage. I callled the number and got a Loan Advisor named XXXX XXXX. He said we needed to provide oruXX/XX/XXXX 1099s for Social Security and our 11099s for ouur IRA accounts and to sign the loan documents. The loan promised a.25 % reduction in thhe interest rate on our mortgage.XXXX  got back to us an said our debt to imvome ratio was too high. I tolod him y son paid the mortgage on one the houses on our credit report. Ha asked for proof that my son paid the mortgage and we provide it.He said he uploaded the documents to his underwriting teaqm and he would let me know as soon as he hear back from them. I haven't heard from him since, despite several emails and phone calls to him. In XXXX of this year I got the same offer from nmy mortgage company again. I again called and got XXXX XXXX Loan Originator. I went through the same process as before. Provided the same documents and signed the same loan agreement, On Wednesday XX/XX/XXXX XXXX XXXX said she submitted my file to underwriting and I should here the results by Friday. I haven't hear from her yet, despite emails and phone calls.. 
I have attached some of my correspondence with both company rpresentatives.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Dave Operating, LLC (GA)

I sent XXXX through cash app to my bank account Dave. It was suppose to be an instant deposit. It never made it.. I waited and waited no money. I called my bank they said it didnt clear they sent it back to cash app claims it made it to my bank in which it didnt I did this for a week Same response every time.. my bank and cash app sent me receipts of the transactions but my money is lost and they wont do anything about it
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?
Consumer complaint received 2021-04-05
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. (NY)

I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote Equifax, XXXX  and XXXX  to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote Equifax, XXXX and XXXX  to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX  on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, XXXX  and Equifax are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, Equifax, XXXX, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report
Consumer complaint received 2020-10-23
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MONEY SOURCE, INC., THE (FL)

I closed on a mortgage XX/XX/XXXX. TMS told me I didn't have a payment for the first month ( XXXX ). Unfortunately, I contracted XXXX the end of XXXX and was unable to set up my account for my first payment in XXXX. My credit score was over 760 when I got the mortgage and is now below 700. 

I called TMS and asked them to remove the late payment from my credit since I've made every other payment in my life on time and the circumstances were out of my control. They refused and now my credit is almost 100 points lower. I'm a very financially responsible person looking to downsize my house but now I can't - all because I got XXXX  ...
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America (IL)

They keep robocalling me from multiple numbers. Have responded to the first one to remove me from their list. I do not know what they are calling about or why, it is just constant robo calls. 

XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) They have called me from the following numbers -- all robotic. For times I have answered, they don't even have an option for removing me from their call list. Its just a continual message - sometimes asking me to call them, sometimes saying its a " final notice ''. I don't know what it is about, I really just want these calls to stop.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have credit card for my company in which I am the authorized signatory. I also have a joint checking account with my wife who is not a partner, shareholder, signatory or any role in the company or its accounts. 
On XX/XX/XXXX nd without giving any notice the bank took XXXX $ from the joint personal account to pay the past due balance on the credit card. They told me its right of offset and they can do so per page 53 of the agreement without any warning or notice. Cursory research shows there are federal limits on these rights especially for CC debt and the person in the joint account has no relationship to the company CC.
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

American Education Services, which is connected with the Pennsylvania XXXX XXXX XXXX XXXX, has serviced my student loans which are XXXX XXXX loans, even though I don't currently, have never and didn't attend school in Pennsylvania. Due to COVID, federal student loans have been placed on deferment with interest frozen and payments stopped.I reached out to this company to make sure my loans were included and waited weeks to initially hear back and then spent months getting the run around with no specific answers until after threatening to go to the Department of Education they let me know I actually had XXXX loans and that they weren't covered under the CARES Act. My loans had been accruing interest the entire time. After discovering that they were XXXX loans I asked about a direct consolidation that would then make them eligible for the relief as well as any possible federal forgiveness in the future. It has now been XXXX months since I inquired about that and still no response. This " company '' is nothing but a scam and their " customer service '' is a joke. In one of the correspondences I asked about the Service members Civil Relief Act since I spent a decade in the XXXX and was supposed to have a cap on the interest charged and after a week I got a response that says they'll look into it and get back to me. As of this writing they still haven't said anything.
Consumer complaint received 2020-12-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I've filed multiple complaints against Navient to stop attempts at collecting my default private student loan until the new year begins. I'm still being contacted via email to call Navient to discuss repayment options ( the first email was received today at XXXX XXXX  on XX/XX/2020, from XXXX XXXX XXXX, who is a Team Lead- Post Default agent with Navient 's Recovery Department ). This is a direct violation of their agreement to not pursue debt collection until after the new year because of being impacted the Covid-19 pandemic. But for some reason they feel a need to break this previous agreement and pursue repayment options. Somehow I'm not surprised though : they seem incapable of keeping any agreement they make with their borrowers.
Consumer complaint received 2020-12-08
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 (NY)

I had an account with Wells Fargo Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, XXXX  and XXXX  and to no avail did any corrections happen. It seems they get the data from the same source Wells Fargo which seems to be sending inconsistent data.