davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (IL)

I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America wants me to notarize home modification papers for the 6th time. I informed BOA customer service and customer representative to resolve matter, to send me written letter on how to resolve matter. I asked if I could record phone conversation and was told " NO ''. So I ask of them to send written letter of resolution to solve problem specifically to state that this would be the last time that I would have to notarize modification papers. Waiting on resolution letter from BOA.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Phone was stolen out hands in XXXX by mobile scooter rider XXXX while out spending time with my family. Stopped in a branch to file a claim the next day XXXX and noticed my account had been compromised. A XXXX  transaction for {$270.00} had been made via my mobile banking without my approval. I expressed this issue to chase bank claims specialist multiple times when calling and inquiring about my fraud claim. Chase treated me terribly after already going through this embarrassing situation physically with my family. Chase at first stated originally after the claim was filed that I'd receive a temporary credit in XXXX hours for the full amount of the fraudulent charge. That quickly changed after inquiring about the claim to XXXX business days because it was a online mobile transaction. I received a denial decision on the claim XXXX after waiting XXXX  days for an " investigation '' to be completed. On that same day I contacted the claims department again and escalated the claim to claims management department looking for an answer as to why my claim was denied. I was told by the claims manager that she could see that the fact that my mobile device was stolen was overlooked. She stated to me that she was resending the claim for consideration due to the fact that my device being stolen was not heavily considered. She then went on to express to me that the reason the claim was denied was because the fraudulent transaction was in my " region '' and on my mobile device. In my opinion that's a pathetic answer for a XXXX day investigation. How is that even an investigation? As if I can control what a thief does once my device was in their possession. I asked chase to provide me with a ledger or receipt, something I signed for this fraudulent transaction of {$270.00} and they completely ignored my request. Also I've never sent this amount to the individual listed nor were they in my mobile banking contacts as someone I've did an eft with. Immediately after speaking with the claims management department and escalating the claim to be reconsidered, I was told by the claims manager that another decision would be made on the claim in XXXX business days to decided whether or not to overturn the decision. Due to chase be diligent about denying the claim, I didn't have to wait XXXX business days for a final decision. I was sent yet again a rapid denial on XXXX stating the transaction was approved which it was not approved by me. I will be closing this account with this company due to poor inconsistent treatment of their consumers. We do not live in time where you can afford to deal with an undermining financial institution.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY ASSOCIATES, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
PORTFOLIO RECOVERY ASSOCIATES, LLC. ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX Balance {$430.00}
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a member of XXXX XXXX and I received another alert for a fraudulent Capital One credit application. I am told it was denied because I had a fraud alert set and now have all my credit frozen on all 3 credit bureaus. I contacted Capital One, XXXX XXXX and XXXX as they were the reporting agency for this alert. 

I did not apply for this credit card! I do have an old Capital One account ( credit card ) that I never use anymore but they said there were no charges on this account.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WI)

WE tried to send XXXX {$4100.00} to friend who is a XXXX  in XXXX. We are friends over XXXX XXXX but met through another XXXX  who visited this man in XXXX. We were sending money for a water project. 

We used Western Union and then they refused to sent the money because we could not say that we had ever actually spent time with the XXXX  from XXXX WE asked for a refund and they said they would process this. We have called at least 6 times asking where the refund is and they keep saying it has been approved and is in process. However after more than two months we have not received anything. We have called back and get the same answer even though we have asked to talk to supervisors. Same answer every time with no results.
Consumer complaint received 2019-02-19
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: ENCORE CAPITAL GROUP INC. (FL)

I sent a letter to Midland Credit Management ( MCM ), written on XX/XX/XXXX, received on XX/XX/XXXX, requesting an investigation on account XXXX. I never received a response from Midland Credit Management ( MCM ), violating federal law. I sent another letter written on XX/XX/XXXX, and received on XX/XX/XXXX, stating the violation of federal law and requested the removal of the said derogatory item from my credit reports. All I received from Midland Credit Management ( MCM ), was a letter stating that the item is correct, which we are way beyond now that Midland Credit Management ( MCM ) has violated federal law. I would like the item removed from my credit reports or I will be forced to sue Midland Credit Management ( MCM ) for damages resulting from the violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act 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 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Fraudulent XXXX XXXX XXXX XXXX with Lasting Consequences. A Fraudulent Sale, with No Inspections, therefore No Occupancy Certificate could be issued. The inspection document is blank. Three major water intrusions in the home from point of sale to the last intrusion which resulted in forclosure because I could never really live in the home. All information was hidden to the reasons for the flooding into the home which only occured during heavy rains. Major mold condiitons condiitons exsisted and you could see and smell the problem. California has been under drought conditions currently and in the past years that allowed them to get away with it. I knew that they where a group of the most dishonest individuals I have ever been involved with but could not prove it until many years later in 2018. My XXXX XXXX XXXX walked away from 8-9 claims that I filed and they ended up suing the builder themselves so they withheld information that would had been helpful to me navigating the condiitions I was involved in. Wells Fargo who was the lender on site that you had to get pre-approved with which was condition of the sale of the home with this builder at the time. Wells Fargo closed there division later doing homes with builders. XXXX XXXX  was the builder that had lots of problems with this subdivision and others. XXXX XXXX to search the many cases. They built in other counties also so that search would change. 
I filed complaints with XXXX XXXX XXXX XXXX, Department XXXX XXXX XXXX, and hired an attorney who was useless. The XXXX XXXX Attorney was involved originally which I did not know at the time. I have a full Chronology that I would like to submit & upload. I have other documents that the system does not allow me to upload as they are sitting in email ( outlook XXXX let me know how to send by email. Please let me know if you can help! 
**XXXX  is currently involved with a case playing out in a court of law in XXXX that is surrounds fraud.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been trying get Equifax, XXXX and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Consumer complaint received 2022-07-19
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. (LA)

In accordance with the Fair Credit Reporting Act 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 2022-01-19
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. (TN)

I sent letter to court house asking them do they release information to the credit bureaus and they responded with no they don't give out information to credit bureaus. On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' it through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Equifax on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2021-11-04
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. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into my account
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

We were suddenly denied a loan that already had closing disclosures and all documents in place. It appeared we met all requirements and we had paid the {$500.00} processing fee. On the scheduled day of closing, I called my loan officer to ask how the closing was to take place and she seemed confused that the loan didnt close. She had no explanation for why the loan wasnt closing or why we hadnt been contacted about any issues. 

A few days later, on XX/XX/XXXX, we received a request for two months of consecutive bank statements proving {$250.00} in assets. We were confused, since XXXX already had the most recent two months of consecutive bank statements, which proved significantly more than {$250.00} in assets. This leads me to believe our account was mixed with another file. 

On the same day, before I could even send clarification, we got a statement of credit denial from XXXX. 

On XX/XX/XXXX, I sent a certified letter requesting information about the denial to the contact address provided ( I included my name, property address, and mortgage account number ). 

On XX/XX/XXXX, XXXX received the certified letter. 

CFPB guidelines state : The servicer must acknowledge your letter within five business days of receiving it. 

I still have not received acknowledgement of receipt. ( It is now XX/XX/XXXX ) CFPB guidelines also state : Generally, within 30 business days, the servicer must search for the information and either : o Provide the requested information in writing, or o Determine that the requested information was not available and send you a written notice explaining why they could not respond. 

I still have not received the information in writing or a written notice explaining why they could not respond.
Consumer complaint received 2022-01-19
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. (GA)

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with XXXX XXXX  Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another XXXX XXXX XXXX Visa and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the XXXX card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the XXXX Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the XXXX XXXX Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, XXXX XXXX reported me to the credit agencies ( Equifax, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We called for help during covid 19 sps servicing kept telling us to apply for their covid Assistance online. During the pandemic my employer had to reduce my hours, cut my pay and then finally had to lay me off due to covid 19. Every time I would call sps they would Refers back to their Covid relief online service which basically was there for Forbearance. I asked multiple customer service agents how does this forbearance work they would tell me that at the end of the forbearance SPs Will be having repayment plans, Unbeknownst To us thats not whats happening to us. We filled out SPs final forms stating that we were able to pay our regular payment now and that the Forbearance amount we needed a payment plan for. We received nothing but denials for repayments options and we are facing foreclosure now. I feel like I was set up like a bait and switch Scheme. We were just in an pandemic. I have documentation form my previous employer of them needing to cut my hours, pay and a lay off letter all stating that this was the effect of covid 19. I also have my award letter for unemployment, which I was told I didnt need to send in to SPS because Im no longer on unemployment and have now found new employment. So there for I wouldnt qualify for one of their Home retention programs because Im not currently on unemployment. Which to me make no Sense because the government has dropped covid 19 unemployment and many people were forced back to work. I need help in this matter. It seems like SPS gave false information out during the pandemic which is going to lead to millions on people losing their homes including myself all because of a pandemic and the forced stay at home orders .Ultimately SPS not Disclosing all the facts up front and just stating there was going to be a repayment plan. Another concerning factor is that they arent taking new/ current income in to factor and dont ask for and Documentation that I was impacted by covid 19, yet say I dont qualify for repayment plans because of The delinquency of the forbearance. Well of coarse thats the whole purpose of the repayment plans, to fix the delinquent forbearance .Seems very odd to me. Im sending in an Appeal to SPS today. We also keep receiving letters to call SPS that they have options but yet when we call theres no home retention options.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (FL)

after paying XXXX payments of XXXX the minimum amount requested by Green Sky on an interest free loan 24 installment loan. Green Sky decided to amortization the loan 5 days shy of 6 payment date XX/XX/XXXX ; 6 payment due XX/XX/XXXX there for changing the structured by contracted monthly payment amount. Gren Sky requested 6th payment on XX/XX/XXXX I made payment on XX/XX/XXXX. The company choose not to wait for 6th payment but sent out billing on XX/XX/XXXX. The did not put on XXXX bill proper amount paid of XXXX payment. 
Contact Green sky on 3 occasion trying to resolve matter. I was told each time a different story as to why increase XXXX to XXXX. On XX/XX/XXXX i was told by supervisor the account was amortized on XX/XX/XXXX. while on 3 way call with sister and green sky my sister questioned why on XX/XX/XXXX instead of XX/XX/XXXX after 6hth and also why is their amortization on a fixed interest free loan and why is the payment which is a 2 year interest free loan being changed when 24 month of XXXX to a higher amount XXXX which would them cause me to over pay the loan and their response was we would issue a refund after the loan was fully paid. 
Is it legal to amortization of a interest free loan? Is it legal to change to the condition of a loan? Is it legal to amortization after 6 months but before 6 months billing occurs? Is it legal to take advantage of senior citizens?
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc. (AZ)

i called Browns Collection Agency at XXXX i requested validation of these accounts showing where I received this type of service and they have not yet provided them I disputed these items with the credit bureaus and it has been over 60 days and still no response Browns Collections have threaten me to take me to jail if I don't pay these account all i ask them to do is to verified my accounts i want to know what services were provided i want a copy of the original contract with my wet signature and authorization for them to release my medical information I have an understanding that if they cant verify the debt it has to be removed from my credit report they keep sending threats of reporting these accounts to the credit report agencies acct # XXXX {$3100.00} acct # XXXX {$31000.00} acct # XXXX {$3000.00} balance on credit report shows incorrectly acct # XXXX {$500.00} acct # XXXX {$500.00} acct # XXXX {$720.00} acct # XXXX {$56.00} acct # XXXX {$77.00}