davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX opened an online savings account with ING in XXXX XXXX. This account was immediately linked to a checking account at XXXX XXXX XXXX. The ING account was taken over by Capital One when it purchased ING. On XXXX XXXX XXXX, we attempted to make an online transfer of {$700000.00} from the linked XXXX XXXX XXXX account into the Capital One account. On the afternoon of XXXX XXXX we received an email from Capital One that the funds were being held until we call them. They stated that the hold had something to do with a credit check they performed, which we did not authorize. We called the number in the email and were directed to a voicemail, and left a message. Later that day we also responded to the email requesting that this situation be resolved. Two days later, XXXX XXXX, I went with my controller, XXXX XXXX, to a local branch of Capital One and spent 45 minutes attempting to have them help us resolve the situation. An officer in the bank made a phone call and was put on hold, we said we will go back to the office while they try again and will let us know what happens. Upon returning to the office, we received a phone call from Capital One, I verified my social security number and date of birth as requested. The representative ( XXXX ID # XXXX ) then told me that he needed to get another department on the line. After waiting for XXXX minutes on hold. I told the representative I could not wait any longer, and to please call me back when the process was complete. He responded that if we were to hang up, the process would start over again. Not only are they holding my money hostage, they also insist on holing my time hostage in order to get this issue resolved. XXXX also indicated that the transfer was flagged randomly, and not because of the any credit check as stated in the email. I had no choice but to hang up so that I can continue to run my business, and not be held hostage by a convoluted and inefficient system present at Capital One. There was no reason for the transfer to be held up other than random chance, and there is no reason why I need to stay on hold after confirming my information while the problem gets sorted out, and my money released.
Consumer complaint received 2016-07-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Clear Debt Solutions, LLC (AL)

A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.
Consumer complaint received 2017-07-15
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: GENTRY FINANCE CORPORATION (LA)

I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bowen & Associates Recovery, Inc (TX)

I owed money to a roofing company. The roofing company turned the debt over to Bowen and Associates collection agency. Bowen and Associates called me to collect the debt. I gave them a check over the phone and paid the full amount. Bowen and Associates never paid the money to the roofing company. Now the roofing company has sent me a demand letter for the money and threatened to sue me. The debt was paid but Bowen and Associates stole my money.
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (MO)

I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC (MA)

A XXXX XXXX called with the following message onXX/XX/XXXX17 and I called back and said do not call my number XXXX XXXX XXXX again Voice Mail to Text : This is XXXX XXXX. We have made several attempts to reach you in regards to a complaint filed in our office against you both verbal and written with no response. Please be advised you are at risk for further action. We need you to contact our office immediately. If we do not hear from you by the end of today 's business. Our client will have no other choice but to seek other remedies to protect their best interest to contact us at XXXX ext. XXXX or press one to be connected.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

Experian continues to report incorrect information causing me never ending financial XXXX  I am XXXX I am on social security XXXX and since XXXX  I have been unable to secure any kind of financial service or product due to the incorrect information being reported by Experian the credit cards they are reporting I had paid for the insurance that is suppose to cover if I couldnt pay never did during the time of XXXX  too never the less FDiC investigated and these are suppose to be removed from my credit report and they still have not they continue to ignore my request or even acknowledge any of it
Consumer complaint received 2017-08-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

To Whom It May Concern : I have recently been informed that there are negative information reported by USAA savings Bank in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX run inquiries, bearing my wet signature, USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I had a fire in my home due to a lightning strike on XXXX/XXXX/16. Within 48 hours, I advised Wells Fargo, which stated they would send a " claim packet '' that would arrive within 5 business days. The following week, I called to check on the status of the packet, and was advised that a claim had not been opened with Wells Fargo ( further delaying any work towards moving back to my home ). The mailing address in my temporary apartment was confirmed, and a week later, I realized the packet was sent to my vacant home. WF then received my insurance check on XX/XX/XXXX, as well as my Contractor 's XXXX. I called on XX/XX/XXXX to check the status of the disbursement/pending items - and was told that the XXXX was not correctly filled out ( no one bothered to call me or the contractor to let us know ). Finally, after calling every day, on XX/XX/XXXX I received the check. When my contractor tried to deposit it on XX/XX/XXXX - neither of his banks would deposit due to my wife and I also showing as payees ( even though it was endorsed ). He even called a WF branch to ask if they would deposit ( assuming he opened a business account ), and was told my wife and I would have to show up for fingerprints. That same day, I requested another check be released showing only my Contractor as the Payee ( and provided written/signed authorization ). As of XX/XX/XXXX, I am XXXX % funding my own rebuild with the contractor, due to Wells Fargo 's inability to appropriately manage the claim process. Over 20 days since Wells Fargo has documented receipt of the claim check from Wells Fargo, my wife, my children and I have been given the ultimate option to continue to live without our home - OR, continue funding our own rebuild while WF sits on monies XXXX has provided.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.
Consumer complaint received 2016-07-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northern Trust Company, The (FL)

This would be my response to Northern Trust based on further documentation provided by Northern Trust in response to Consumer Finance Protection Bureau case # XXXX filed by myself XXXX, which was closed, in relation to my ability to perform an accurate accounting of my father 's estate performed by Northern Trust XXXX XXXX XXXX with XXXX XXXX as the executor.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

I requested a credit line increase on XXXX/XXXX/2016 and requested repeatedly that credit not be pulled numerous times during call and the representative agreed. I checked with my monitoring service and the next day and there was an inquiry on my XXXX credit bureau report from this bank. I have made calls over the past 7 weeks and spoke with XXXX-XXXX supervisors and no one has been able to help me. I was called by a supervisor named XXXX or XXXX that informed me that the inquiry would be removed. It was not removed. I spoke a female supervisor on XXXX/XXXX/2016 and she submitted the request to the department that took care of those matters. I spoke back with several supervisors this week and I am still not able to resolve the unauthorized inquiry that appears on my XXXX credit report dated XXXX/XXXX/2016 after being told by a supervisor on an outbound call to me that it would be removed in 45-60 days.
Consumer complaint received 2016-07-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: JPMORGAN CHASE & CO. (TX)

I received a call from a man who said he works for Providian Financial and he was calling to collect a debt on a payday loan. I have never done business with Providian Financial so I asked that he send me in writing more information. He said that he has sent me XXXX emails that I have never received. He has called my cell phone and he gave me a callback number for him XXXX. He has been calling my employer repeatedly and when I ask him to stop, he said I am going to keep calling them until you pay the money and I do n't care if you get fired. He told me I had to go to a XXXX office and call him from there and he would tell me where to send the money. I want this man to stop calling my employer. My employer said he has jammed up the company phone lines on multiple occasions.
Consumer complaint received 2017-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XXXX XXXX0,2017 I sent the credit bureaus letters.
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I waited almost SIX WEEKS, and received ZERO response.
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I again sent another letter on XXXX XXXX, 1017 and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME.
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Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license.
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I am incredibly frustrated by the lack of response from the credit bureaus.
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Nothing i am doing is getting a response or correction of items on my credit report.
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The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT.
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I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of crap. This is n't fair, this is n't right and i am completely disgusted by this.
Consumer complaint received 2017-08-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Big Picture Loans, LLC (NJ)

I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, XXXX and Experian on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX. Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.