davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

In XXXX, due to a medical emergency that was not covered by insurance, I had to use my money to pay for the procedure and missed two mortgage payments. In XXXX, for two months, I made my regular mortgage payment and an additional payment which should have brought the account current. I have not missed another payment since that time. The mortgage lender has not properly credited my account. The lender at the time was XXXX XXXX. The sold the loan to Midland Mortgage. They continue to send me letters stating I am three months behind ( they count the current month ) and inform me that I am on the brink of foreclosure. I have been in my home since XXXX. I have sent them information to show them where those additional payments were made, but have been unsuccessful in my attempts to get them to properly credit my account. They want me to do a loan modification, but i have no desire to start my loan over again and I should not have to do that. If they did not credit those funds to my account, where did the money go? I need help!
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reserved 2 tickets for a boating event with a reservation company, XXXX, on my Capital One XXXX XXXX credit card on XX/XX/2022 for {$370.00}. XXXX charged my credit card on XX/XX/2022. The reservation date was for XX/XX/2022. On XX/XX/2022, I called XXXX to cancel the reservation and request a refund. According to XXXX ' refund policy, the cancellation must be done at least the day before the booking date to receive a full refund. XXXX emailed me on XX/XX/2022 that they notified the boating company of my cancellation and they are looking into the refund. They ultimately denied my refund. XXXX that I did not follow the terms for a refund, without further explanation. 

I disputed the charge through Capital One in an attempt to resolve the issue. XXXX responded to the dispute to Capital One with the claim that a chargeback was not acceptable because I never cancelled my booking according to their terms. They said that I was a " no show ''. I responded to Capital One that I called XXXX to cancel the reservation a day before on XX/XX/XXXX. I included my email confirmation from XXXX, of my cancelation request. Capital One denied my chargeback request with a letter stating that I did not provide all of their requested information. I called Capital One to find out what was missing, and I was told by the agent, XXXX, with the agent # XXXX, that I did not provide a cancelation confirmation from XXXX. I told XXXX that XXXX sent me the email confirming my request for a cancellation and a full refund. XXXX refused to send me anything else at the time. I explained that I did my part to cancel the reservation and I followed XXXX 's terms for a refund. The fact that they did not cancel the reservation on their end was not my problem. I demanded that Capital One reevaluate my dispute with that in mind. XXXX said that it is a final decision, and no supervisor can reevaluate my dispute.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Can not access online accounts for several credit cards through Comenity BankXXXX XXXX XXXX XXXX used anywhere, but also store cards for XXXX XXXX and XXXX XXXX I spoke with a representative, XXXX, on Thursday XX/XX/XXXX. I was told the company was aware of the problem and that the website should be working within 24 hours. It is now XX/XX/XXXX and I still am unable to access my accounts to verify any transactions or to make any payments. The company suggest using easy pay option, but with paperless billing for 2 of the accounts, I do not know my account numbers.
Consumer complaint received 2021-04-03
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: I.C. System, Inc. (TN)

I am no longer responsible for this debt. This was already sold and I don't owe this debt anymore. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. This is clearly a violation of the FCRA section 602 ( a XXXX & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-02-10
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: SECURITY FINANCE CORP (TX)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (IL)

On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, Equifax and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (IL)

It has been publicly announced that Equifax has been promoting scores and error. I sincerely trust my score was incorrectly presented through this bureau and also through XXXX XXXX and XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NV)

I was not late with XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX  XXXX, XX/XX/2020. 
3. I was not late with Chase Bank XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (TX)

Equifax continues to report accounts that were discharged XX/XX/2021 in my Chapter XXXX Bankruptcy case as accounts that are charged off and collectible. These accounts should not be reflecting a balance because these are discharged debts I am not legally obligated for. You continue to report some XXXX az address too which Ive definitely never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is not my address. Why is it being listed on my credit file? Additionally you allowed hard inquiries from XXXX XXXX XXXX XXXX and XXXX  XXXX I didnt authorize either of these and my credit file is locked. See the attached documents for the discharge papers.update the credit accounts accordingly.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (TX)

I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA (CA)

I need help with this student loan MOHELA ACCOUNT The MOHELA/DOFED student loan account XXXX is the same as XXXX XXXX. That XXXX account is already paid for in full. 

This is the same student loan that I have had with XXXX before. 
I NEED Mohela to remove that account because I do not owe anything to them Mohela needs to report to the credit bureaus that the account is close paid in full. 


MY EMAIL ADREES IS XXXX Let me know your answer via email. 
Thanks XX/XX/2022
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

My wife and I married in XXXX of 2020. She has a pending greencard application with approved XXXX as well as a valid SSN. When attempting to add her to my bank account, which is generally a requirement to show good faith in a legal marriage for XXXX. Chase informed us that they were refusing her legal documents from DHS/USCIS and would only accept documents that had her single name. Which is clearly impossible since her legal presence here is all based off her married name, the name shown on her SS card as well as her CA ID, marriage license and all other official documents. 

After arguing back and forth they assured me this was the only way they could do it as she is not a legal resident, when she clearly is, as she has valid legal presence in the US. They had her sign an SS document saying that the SSN we provided belonged to her single name, when we repeatedly pushed that this was incorrect and would cause problems later he said it was only for their internal use. 

3 days later I find my account frozen and a fraud flag placed on the account and that I only had a short window to rectify it before the account was frozen permanently. They explicitly stated that an account can not be opened unless all information matched the SS card, and that her legal status has no bearing on the account and that her passport can not be used. 

We returned to the bank the same day to find him changing all the documents to her married name, which is what I pushed for originally and blamed us for the problems, not even once did we receive any kind of apology. He stated over and over the XXXX department was incorrect, when they are clearly the ones who attempted to verify the information and flagged the account. 

I am nowhere near being down and have wasted several days of time on this, to find out my account is still frozen. This has delayed my tax return, returned my recurring ACH transactions for insurance and other purchases as well as upending everything relating to any banking transaction. I had to have to XXXX force an over ride just to deposit a check and get cash and the treatment I have received is unacceptable. I am now concerned I will never receive my tax refund as all account activities are blocked as well as knowingly submitting incorrect documents to the SSA even after repeated attempts to inform him the information was wrong as well as illegal to knowingly submit them as such.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX
Consumer complaint received 2019-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX last year I visited Chase Bank Branch XXXX located in XXXX XXXX XXXX XXXX CT. I deposited XXXX Chilean pesos that at the change of that day I should have received over {$2.00} US dollars the girl at the bank said I would get {$2.00} I agreed thinking how hard could be getting to change that money in this area. Around XX/XX/XXXX I found out the bank took {$1.00} US dollars because of a miscounting but I know what I deposited I know how much money I had. Nobody wants to review the cameras I got a police report but they only want an order from a lawyer. This entire situation is making me feel sick. I can't afford a lawyer for this and it's no fear the Bank take my money and the only solution is that I need a lawyer to review the cameras. I found my deposit ticket and I noticed the cashier at the Bank even said that my deposit was XXXX instead of XXXX I remember correctly that we counted 18 groups of {$100.00} each. The money I deposit was in {$20.00} and {$10.00} the bills of {$20.00} have an orange colour and the {$10.00} are blue. On my last call with the manager, he mentioned that they counted 50 {$20.00} bills which makes XXXX Chilean Pesos, but he never mentioned the {$10.00} bills I know there was a mistake and its no fear that I have to live all this stress. I dont know where they lost my money but I know what I had in my hands. Nobody goes to the bank with that amount of money without knowing what they have Do you think you can help me? 
My name is XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

I am contacting the CFPB for help as I am worried about my home going into foreclosure and the mortgage servicing company is not being reasonable. My loan became delinquent as of XX/XX/XXXX when I, XXXX XXXX became ill having XXXX issues and unable to work. In XXXX, the doctors were not testing for XXXX but I had all the symptoms. Selene Finance put my loan on a forbearance through XX/XX/XXXX and told me they could not extend the forbearance any further. My wife and I paniced knowing we did not have the funds to reinstate the arrears nor could we afford to resume making our regular monthly payments. My wife was working two jobs but it was not enough to cover the household expenses on her own. I managed to find new employment and we applied for mortgage assistance with Selene Finance. After being in review for some time, they offered us a six month trial modification starting XX/XX/XXXX increasing our payment from {$1800.00} to {$2200.00} which is an increase of {$420.00}. They increased our rate of 4.5 % to 6 % then amortized the loan over 40 years but due in 30 years. They even shortened our current maturity date which was XX/XX/XXXX. This results in a balloon balance owed at maturity in the amount of {$120000.00}. 
It seems to be Selene Finance is taking advantage of this situation and putting me in an even worse hardship. I questioned why, being my property is in New York, why I am not being offered the three options under New York Banking Law 9-X with one of the options would be to extend the maturity date by the number of months on forbearance. They said the investor on the loan was not offering this. I am confused as to my understanding, this is a state law.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

There was an unauthorized transaction of {$2300.00} from my bank account, on XX/XX/XXXX. It was fraud, even in the case that word scam, is used, it was fraud. I was coerced and told to urgently pay to secure a deposit for an apartment that I have come to find out is not for rent and to a person and a place that were not real, and as a result I never received anything. The funds were sent to a XXXX  XXXX XXXX Bank Account, to XXXX XXXX XXXX. The account number give to me is XXXX and the routing number given is XXXX. I am not sure if those are real accounts, but that is where I was told the funds would be going to. The funds were coerced by XXXX XXXX, as a form of deposit. This is not a recurring payment, and this was a fraudulent. As of XX/XX/XXXX and XXXX, Wells Fargo has said that it looks like there is nothing they can do, and that all was done correctly. They have reached out to XXXX  XXXX XXXX and have yet to hear anything yet. This is my money, just taken and given as a fraudulent transaction, and it is absolutely necessary to be refunded. I am backed by Regulation E and the law fully in this. No part of this was authorized.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (DE)

XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them. 
XXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

hello there to whom it may concern on XX/XX/2022, I had extended my credit towards purchasing a new are used vehicle I was denied after a few days later I started to receive mails of adverse actions stating that they were unable to grant me credit after checking my consumer reports I saw derogatory information that was no supposed to be on a consumer report pursuant to 15 usc.1681 This means federal laws has been broken which is a violation of my consumer rights. I had disputed these items with Equifax which keeps coming back verified/factual I was never a part of the initial investigation or the reinvestigation I wasn't given a chance to to deny these alleged allegations these grave mishaps of Equifax are hindering me and my family from enjoying life as a consumer I am willing to look away if they remove these items or I will further escalate the matter i have given Equifax more than enough time to correct these errors. Equifax refuse to compile see exhibit A & B Thank you for your cooperation the consumer naturally person
Consumer complaint received 2021-01-27
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: CHECK INTO CASH INC. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX CHECK INTO CASH add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WA)

XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}. 

Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago. 

I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.