davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I was contacted by Resurgent Capital Services regarding an account that is NOT mine in XXXX ( XXXX XXXX ). In XX/XX/XXXX, after I disputed the debt, Resurgent told me, in writing, the account was closed and I would NOT hear from Resurgent or any of its affiliates again regarding the account. Then In XXXX of XXXX I get another collection from Resurgent for that same account ( which apparently could NOT be properly validated the when I disputed in in circa XX/XX/XXXX ). In addition to a collection letter, I also received a " account summary report '', presumably to serve as validation of the purported debt. However, this report was prepared in house, and admittedly based solely on information provided by a third party - not the original creditor. Such in house report prepared XX/XX/XXXX.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY (FL)

About a year ago but less than a year ago, my flight with XXXX was cancelled and I received a credit for it almost immediately ( it was a XXXX credit allowing me to book another flight ). That credit is valid for 12 months. About 6 months ago a tried to use that credit to book another flight with XXXX but the XXXX routed my from one customer rep to anther to another and yet to another who finally dripped the call without allowing me to redeem the credit. I was discussed by this experience and a waist of 1.5 hours on the phone but hoped for the best knowing i have another 6 months to get this done since i had it in writing that the credit was issued. I tried twice more over the last 2-3 months with similar result. When i contacted TD bank who issued my prepaid credit card i used to purchase to issue a charge back i received a generic response that " no errors were found with XXXX ''. I when i further inquired about logic behind this unexpected response i was told ( but they would not say in writing ) that my claim was more then 60 days from the transaction ( the original purchase of the ticket ). I did explain all of the circumstances as i did here, in a fax i sent to TD bank, that i had no reason to ask for charge back as i was issued a credit for the cancelled flight and the credit wqs supposed to be good for 12 months. Only later i realized XXXX uses this tactic not to pay back what they owe. I'm requesting a {$210.00} form TD bank as i hold them responsible for not looking into this claim in a manner that would be consistent with bank where i keep my funds.
Consumer complaint received 2023-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I Currently have gone through a divorce and have been in the process of having my Ex-wife ( CO-Borrower ) removed from my VA loan. ( Release of Lien ) I reached out to the VA and they informed me that they no longer have direct connection in the process of having to have a VA form XXXX filled out, and that the mortgage holder can complete a release of Liability for the co-owner completed directly with your mortgage company. Which for me is Truist Bank. I have been in contact with Truist since XXXX of this year. I reached back out to Truist on XX/XX/XXXX and informed them of the information that I received from the VA in the following quote " Hello, Thank you for your response. 
As of XXXX XXXX, all VA loan servicers/holders have been empowered to complete this process for you directly without VA review and processing. 
For further assistance, please submit these documents directly to your mortgage servicer/holder that you make your monthly payments to. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Veteran Affairs XXXX Regional Loan Center Email : XXXX '' Ever since that date ( XX/XX/XXXX ) I have yet to receive any further action from Truist. I have followed up with them multiple times and sent all required documentation to them for Quit claim deed signed by ex wife, detailed legal separation agreement. etc. Yet Truist has not yet fixed my mortgage or complete the ( ROL ) to have her legally separated from my VA loan. 

This issue has become a major concern as to my legal documents with the separation this action was supposed to have been completed soon after the divorce. Because of the inaction from Truist though they have managed to put me in a time-consuming bind. Truist is not fulfilling their requirements of my request and the sanctions of my VA loan as well as the direction of the VA to my understanding. 

I really need this completed and it feels almost as if Truist is attempting to force a refinance or something other than what is right. I have also been informed by one of the persons working at Truist that I am not the only veteran dealing with this same situation. 10 plus other veterans are in my same position and Truist is putting every single one of them on hold.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, XXXX from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to Jefferson Capital , LLC. Jefferson Capital has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the XXXX has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

My credit report has not been updated since XX/XX/2020 for XXXX. It states that I still have a balance of {$440.00} when I currently have XXXX balance. 
I have contact the company of numerous occasions and nothing has been updated.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I tried signing in to my bank of America account and it said I can't access online banking and it said to call a number and I did they told me my business checking account is being closed and I asked why they said when I signed my contract it said that bank of America doesn't need to give me details of the closure of my account and the funny thing is I opened the account a couple days before the incident and haven't received my actual card yet I asked if they can reverse the closure and they said no and it final.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited my tax refund check on XX/XX/2023 the money has cleared and I am not being allowed to access my account. I called Capital One 360 bank numerous times and they just keep hanging up on me. They keep saying theyre reviewing my account but not providing me with any information on why I dont have access to account. Ive already called and verified my identity number times.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened CapitalOne credit card. However after 2 days of approval they put my new account as a fraud, because they need docs from me to verify my identity. I send them all my docs and still after 180 days or more I unable to use this card. Also, they block my online access to this account. I send my documents they need via email and Priority USPS Mail, but they not satisfy .... And very interesting that, this account show up on my credit report as active
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Today, I spoke with " XXXX '' from Experian at XXXX regarding Report # XXXX. Specifically, I called to request the Method of Verification Experian used to determine the accuracy and completeness of the information on my dispute concerning entries relating to XXXX XXXX XXXX that appear on my report. The dispute was completed today with none of the corrections I pointed out in my dispute, so I wanted to make certain Experian promptly provided me the required description of the procedure so that I would have all the details for further follow-up. I also asked for this information in advance when I submitted my dispute, plus I sent a confirming letter to follow - both by certified mail. 

XXXX said " NO, '' Experian WILL NOT release the method of verification used for my dispute. Experian " will only send the results in the report. '' He went on to explain that Experian " only serves as a channel between the creditor and consumer '' and that I can contact the reporter for more information. When I objected, XXXX said I can file a complaint with CFPB but that what he stated " is how we handle it. '' FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

My dispute pertaining to the entries under XXXX XXXX XXXX previously resulted in a " verified '' result. Thereafter, and for the avoidance of all doubt, I provided additional information and details with notice that I intend to continue pursuing entries that are entirely inaccurate and incomplete, and represent a very serious error in the reporting. Moreover, as mentioned above, I asked that the Method of Verification be provided and specifically objected to use of any automated response or e-Oscar verification system. These ACDV systems are both unreliable and improper. ( Apodaca v. Discover Fin. Servs., 417 F.Supp.2d 1220, 123031 ( D.N.M.2006 ) ; Bradshaw v. BAC Home Loans Servicing, LP, 816 F.Supp.2d 1066, 107374 ( D.Or.2011 ). )
Consumer complaint received 2020-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2019 I wanted to refinance my HELOC to a five year term and after four months of negotiating I close on the loan twice in XX/XX/2019 .During the loan process it wasnt explain to me that Ill be doing a second loan .The loan processor was in over load and she never discussed key issues about the loan such as during a second loan and adding a third lein to my property when NFCU could have consolidated the two loan together.In my opinion this is negotiating in bad faith I have tried for several months to resolve the dispute through the XXXX XXXX XXXX  but unsuccessful so I decided to use this avenue instead.also Im forwarding all my supporting documents to you thank you for your attention to this matter.XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Consumer complaint received 2020-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

The credit companies did not add any amount to my credit report but they did cause hard inquires during a recent attempt to purchase a vehicle. I did not authorize the dealership to perform a credit report screening for these companies
Consumer complaint received 2023-08-11
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

I am a business owner for XXXX yrs and I was XXXX XXXXXXXX at XXXX different banks and XXXX XXXX XXXX over several years. Now senior over XXXX. I am very good with filing papers and clean. When I first opened an checking account at the Wells Fargo bank in XXXX I received a deposit agreement which says customer to claim within 60days to report fraud unauthorize transactions. I noticed nobody even employees knew and read these agreements.I kept it in my cabinets till now. 
When I opened new account in XX/XX/XXXX I remember clearly who opened and I signed machine per instructed. I had never received the signature cards copy which was transfered my signature which I just found it XXXX yrs later when I requested a copy. 
Bank should never let customer sign and transfer this into the agreement without customer acknowledge it. Info was outdated and I will never sign without checking it. I had never received deposit agreement. None. 
XX/XX/XXXX When I reported to check my account cashed as unauthorized transaction bank officer told me to open a new account. I followed her instruction. I had never signed and she never gave me a deposit agreement. About XXXX later I received by mail blank signature sheet to sign for new account with all the personal infomation include social security, birthday, driver 's license, address and acct number clearly as the joint account holder of my son. I had never asked bank to open as joint account. 
Later I complained to XXXX who opened an account she said head office opened an account no her. She doesn't know any. I didn't get the deposit agreement. 
XXXX weeks after XX/XX/XXXX Bank denied my claim to reimburse and XXXX was shocked because of she told me bank will credit in XXXX days. XXXX was shocked to find it out and I had asked her which document to say. She even didn't know I suggested her to bring an deposit agreement and I showed her where. This is the proof of she didn't give me the deposit agreement when I opened an account. How do I know about new deposit agreement which never given and XXXX XXXX XXXX into XXXX. 
Other banks I use always send me monthly paper statements with copy of the checks. 
XXXX said it will be cost {$3.00} each mo. when I had asked her. I later found it will be included to my account as premier account. I was so dissapointed not given all my right even I had discussed with XXXX when I was introduced to her by other officer who takes care of me. Please review all my accounts signature cards and bank shouldn't let customer sign even before given the deposit agreement or anything. ( I was not given any thing. ) WF bank should be more careful and let customer to be insured to understand importance of the deposit agreement and avoid to give false info to customers.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (OH)

I have asked him on multiple occasions to send me an amortization of the loan payments. Request that the mortgage servicers of the loan ( multiple ) be investigated, since they can not provide me with detailed information and a breakdown of the items that are charging me in the total mortgage debt, the awarded payments, charges, legal expenses, among others.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/ 2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I disputed a charge on my CapitalOne credit card, because I receive damaged goods from XXXX. Merchant was XXXX. Capital one - first, give me money back, but about 3 days ago they reverse this money without any notice. Terrible customer service .... lazy dispute team
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX XXXX has been reporting a charge off my my credit file with all CRAs erroneously. This account is NOT a charge off. Its ordinary income. They have willfully neglected to send me a 1099c when they received a tax break from the IRS since the debt has been discharged. Furthermore, they balance they say I allegedly owe is GROSSLY incorrect. They have never tried to validate nor fix the corrected amount less my gap insurance and auction sale. This is fraud- they need to issue me the 1099c so that I may file it as income for the year of 2021  as an addendum of amendment.

Consumer law CLEARLY states that income is not placed on a consumer report.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/2020, I received an alert regarding a collection on my credit report. I have a good credit and all my credit card, utility and other bills are paid automatically through my bank account. It says from Sequium Asset Solutions - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Phone numbers : XXXX and XXXX. The account # XXXX - {$720.00} for XXXX. This collection had been for 2 months, I have not received any letter from this company regarding this supposed collection account. I have XXXX XXXX XXXX XXXX for almost 10 years now. I disputed with Sequium, XXXX, XXXX  and XXXX that this is not mine and it's fraud, someone got my information fraudulently and used it to purchase or open the XXXX account. Sequium stated that this is my account but has not even given me anything that I have signed or agreed to with XXXX. Have called them daily from that time, can't get through, only forwarding voice mail but that it's full. This company is creating false accounts to get money from people and I want this taken off my credit report because it has already affected my credit ( 45 points down ). They should not be operating fraudulently and trying to get money from consumers like me who have always been paying on time. Please assist, thank you, XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am so glad that the XXXX had manage to remove all the issues that I have put forward to them. And the most of the problematic issues were also removed from my XXXX and TransUnion credit reports. The thing is there were still few more troublesome items which were not removed yet. So, I am requesting the XXXX and TransUnion Bureaus to please remove them within 15days : XXXX : CHILD SUPPORT ENFORCEM XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX POLICE AND FIRE XXXX XX/XX/XXXX POLICE AND FIRE XXXXXXXX  XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX