davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

{$700.00} was taken from me in around XXXX of last year, and most recently I receieved this email. However they have frozen my funds and will not release them ... 

from : XXXX reply-to : XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX  subject : Important Information About Your Account << Reference ID : xxxxxxxxxxxxx >> mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more XX/XX/XXXX Important Information About Your Account Re : Your accounts ending in XXXX & XXXX XXXX, Weve decided to close your account ending in XXXX & XXXX because we observed activity that is inconsistent with our terms and conditions. [ *I called and spoke with their agent who said there was no reason listed as to why, which is atypical* ] When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XXXX XXXX, 7 days a week. 
[ I called them and they only agreed to release a certain amount when I threatened to file a FTC report. They are still holding my funds as of this filing ] Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One, XXXX, Member FDIC. XXXX Capital One. '' so the approximate total they have stolen from me is : {$850.00} usd
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 I requested to have a few items that you are listing on my report as accounts related to my social security number verified. You claim that they were verified. I sent a second and third request to have all the items verified that you are posting. 
You claim that you verified these items listed : XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX. I have contacted the companies listed and one states that they can not verify that the account as mines and have submitted a request to have the item removed. The other submitted documents that I have never seen before and were incomplete. Under the guidelines of the FCRA you are in violation. 
Please verify all the items you are posting on my credit profile as it is required under federal law as I do not have any record of such accounts and would appear to be a victim of Identity theft. 

Best regards, Mr XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I hope you're doing well. I'm writing a new complaint because, I didn't receive the necessary documentation from Citibank to prove they could close my account for a payment that was returned on XXXX XXXX of {$590.00}. I paid the payment on XX/XX/2022 by debt card as soon as I realized the payment didn't go through. My credit card payment is due on the XXXX of every month. I have even paid over the minimum payment. My account shouldn't be closed. I requested a copy of the card issuer agreement. They refused to send me the card issuer agreement to back up their claims that Citibank has the right to close my account due to a one time issuance of a non sufficient payment. I paid the card on XX/XX/2022. This was two days later. I don't have a 30 late.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at XXXX and Trans-Union. XXXX and Trans-Union are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX  insists that XXXX   and TransUnion reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus. 

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from Trans-Union and XXXX XXXX databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I would like to file a complaint on my mortgage lenders XXXX, now XXXX/LoanCare. 

In XX/XX/XXXX, I sent a letter ( Using XXXX Internal Messaging System ) that I had changed my insurance company from XXXX XXXX to XXXX and not to pay XXXX XXXX. They paid both! XXXX sent me a refund check and I sent XXXX a check to deposit back to my escrow account. The envelope I sent XXXX had the account number and, in large lettering, deposit to escrow only, and the check which in the memo line also said for deposit to escrow account only. In XX/XX/XXXX I notice that the escrow money had shown up as a payment and not applied to escrow. I contacted them through their messaging system and informed them of the error. Within a couple of weeks, the funds were removed from the normal payment account, but from there the funds have disappeared. I have communicated with XXXX several times asking where the escrow money went to and have never gotten an answer. 

Now, to complicate things, my loan was transferred to XXXX/LoanCare. They wanted to increase my monthly payment to cover the escrow shortage, I have refused. I have continued to make my normal payments which does include some escrow funds. 

So, after several unanswered letters to XXXX and LoanCare, I get a letter from LoanCare to pay all the back charges ( all escrow shortages ) or they will start foreclosure process. 

From what I can tell, LoanCare has not been applying my monthly payments normally and has been putting the funds as Unapplied payments. In doing this they add late charges to my account, and eventually will start reporting the account in arrears to credit bureaus. 

I finally talked to a loan rep at LoanCare. He agreed to do all 6 items listed below.

When I found out this was not being done, I tried to call him back. I have left ~4 messages for him to call me back and he has not. The escalation person he says to call on his voice mail has not returned my calls either. 

I had a friend of mine ( Real Estate Lawyer ) look at the mortgage statements and he determined that XXXX put the escrow monies as Unapplied balance instead of into the escrow account. We also found that XXXX and LoanCare have been talking late charge funds from this Unapplied balance. This is illegal as those funds should be applied to escrow and ONLY used for taxes and insurance.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO Bank, N.A. (CA)

I had requested a loan from XXXX XXXX for moving expenses in the amount of {$4000.00}. I spoke with XXXX XXXX who identified himself an employee of XXXX XXXX. After a series of questions, he stated my loan request had been approved, however the subject, XXXX XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX, stated he would first put {$2000.00} into my account to boost my credit score, but I would need to return the money. He sent me a barcode and at XXXX I returned the money, since it was not mine and it was not the {$4000.00}. The following day ( XX/XX/year> ) I noticed XXXX checks deposited into my account, totally {$3900.00}. XXXX XXXX XXXX said I must return the {$3900.00} before he will deposit the {$4000.00} loan into my bank account. Although I had suspicions since the ordeal started, on XX/XX/year>, ( the day before XXXX ) using my debit card I paid for my vehicle registration, and a truck payment, however in the process of paying my car payment the person told me my card was fraudulent and to surrender it. On XXXX XXXX ( XX/XX/year> ), I went to the bank ATM and my debit card got gobbled up, and a receipt cited a XXXX balance. On XXXX  ( XX/XX/year> ) at the bank, I was told my account was frozen, and that I could not withdraw any money, including from my social security check which had been deposited XX/XX/year>, as well as a check from my XXXX employer. On XX/XX/year>, my social security check was given to me in cash, however I was told my XXXX check ( {$1800.00} ) was going to kept by the bank, and that I owe {$970.00} more due to being the victim of fraud ( that was not their words ). Today, I called my bank ( BMO ) and was told the investigation of the fraud is still open, yet the person I spoke with, XXXX ( XXXX ) would not provide me her surname, or talk with anyone else. I was the victim of fraudulent twice, first by a scammer, then my bank. I simply want {$2800.00} put back into my account.
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block.  Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information  relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (PA)

I had a {$3700.00} loan with XXXX XXXX XXXX, at the time I was going through a divorce and could not make payments. This was turned into CACH credit, assuming sold to the CACH. I had a court hearing XX/XX/XXXX, in which CACH accepted {$500.00} to settle. My attorney gave CACH a check and I thought that was the end. In XXXX I went to purchase a home, yet this CACH was still on my credit report!! I contacted my attorney ( XXXX XXXX ) who contacted CACH and we found out that they never cashed the check, through my bank!!! My attorney explained that I was trying to purchase a home and this was effecting my credit. CACHs attorney that was handling my case had quit, yet I worked with XXXX  ( credit repair ) to try to take care of this, they wrote CACH a letter, then the letter was mailed back to my residence!! This still sits on my credit report as I tried to take care of this legally and with a credit repair. How and why is this fair to me???? I do not know what to do???
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

When the covid19 pandemic happened last XXXX the government pass the law of cares act. One of the law was pass is to allow the homeowner to apply for forbearance on their mortgage without penalty. So I called my mortgage company which is freedom mortgage. I was aprove for forberance for 3 months however the freedom mortgage company wants me to pay those 3 months of mortgage payment after the end of my forbearance. I dont think that deal will be able to help me at all. I really dont want to loss my house. I am one of the people who loss their job because of pandemic.If someone could help me about this matter It will be greatly appreciated thanks you
Consumer complaint received 2022-11-07
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: Bread Financial Holdings, Inc. (PA)

I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX
Consumer complaint received 2020-11-20
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: National Credit Systems,Inc. (GA)

I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - XXXX ( Collection ) account and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX complaint.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 when i walk to Bank of America XXXX XXXX to open a new account, everything went well opening my new account using my paycheck amounting to {$1200.00}, later that day, i was trying to access their mobile app when i found out that the mobile account is locked and advise me to contact costumer services, i called costumer services and found out they closed my newly opened account already and elect not to do business with me anymore, i asked them the reason why and all they give me was it was a business decision on their part not to do business with me, so i asked them if i can get my money back on any financial institution branch they have, they told me after the account is closed, they will send me a managers check amounting to the amount i deposited, first they told me it will take 24-48 hours to close the account, I ended the call since nothing much can be done on my situation.. 
XX/XX/2019 I walked to the bank of america branch where i opened my account hoping i can get my money bank, i sit down with a banker and explain the situation im in, she called the corporate office to ask if they can release my money since they closed my account already, but to no luck, the corporate office declined, the banker gave me a number to call to do a follow up on my situation, i called the number as i walked out of the bank, didnt take long before someone answer on the other line, i asked them when can i expect the check in the mail, he told me that the process of closing my account wont be done till XX/XX/XXXX, after that is when they will send the check to me, ..it was devastating for me, for a normal person living paycheck to paycheck, it is really difficult, not knowing where to get the money to pay m monthly bills and all that, i feel violated with this situation,
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Hello, I am disputing this frivolous account. This account is being attached to me and has ruined my life! I have sent several requests ( 5 ) to be exact requesting this collection company and all three credit bureaus to validate and theyve failed to provide me proper, and accurate validation of this preposterous account. The most recent letter I sent was dated XX/XX/XXXX. I received a response from Southwest Credit on XX/XX/XXXX, the company responds with an alleged and fabricated statement with the company listed name XXXX, however the all edge client name is time warner cable. The bills each have different amounts ranging from {$640.00}, {$540.00}, {$340.00} HOWEVER the company demands my current balance with them is {$320.00} YET they are reporting to ALL three credit agencies the said amount owed is {$130.00}. This company has lied to the credit bureaus whom has FAILED to properly verify this underestimate the FCRA. I am demanding this bogus account be removed immediately and erased because it is no way associated to me. I have attached my proof! I demand this company remove and the bureaus remove it as well..
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 ( b ) of the FDCPA. HOWEVER, they did ( UNTIMELY ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with 1692g in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. ( See attached ). It has been many months yet they are still listing a negative ( s ) on my credit reports, despite the law giving them 30 days maximum.

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.