davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I get an online statement and I did not receive my statement in XXXX it went to spam and Kohls never called sent a email or mailed a letter to my home stating my payment was late. I have worked very hard to keep my credit score up and since it went went 30 days late because I had no idea I had a late payment my score went down like XXXX points. 

I feel they are responsible to let you know that it was late seeing an online payment can go to spam, when you have a lot of bills to keep track of I would assume you Would get a notice when something is late. 

I asked twice for them to remove the 30 day late and they refuse. I have been a long time customer and never been late.
Consumer complaint received 2017-12-02
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. (MD)

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX Experian and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Consumer complaint received 2023-05-17
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. (SC)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/XXXX, I received emails stating I had opened an account with Bank of America. I ignored them thinking they were scam emails until I received a debit card in the mail. After days of being on hold and not being able to speak to an actual person, I finally got through to a representative. They stated that they closed my account but offered no information about the account. A few weeks later, I received statements for that account. When I called back, I was told Well the account has a {$0.00} balance, so its not a big deal when it is in fact a big deal seeing how I did not open the account. XXXX of XXXX, I now have another account with Bank of America that has been opened without my consent. I made an appointment to talk to someone in a branch since I never received proof of the accounts being closed the first time this happened. A banker called to let me know that the branch can not close the account, and gave me a number to call and instructed me to keep pressing 0 until Im connected to a person. Again, I received 0 information about how these accounts keep getting opened in my name, to my address, without my consent.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian wrong address Experian has a lot of the same address that are not mine. They no the right address and keep having all this false information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -what is XXXX and who does it belong to not me XXXX XXXX XXXX XXXX XXXX XXXX who does this belong to this is not my address some more made up information that does not belong to me. 

I 'm reporting to this to the FTC as well My address at the time was XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit card company is charging me for purchases or services that I did not make. I reported the transactions as fraud and filed a claim in XX/XX/2023. The credit card company issued a temporary credit and canceled the card. In about 2 weeks the credit card company contacted me and denied the claims based on their investigation of the cards " chip '' was used.
Consumer complaint received 2023-05-17
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. (NY)

I submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

Chime suspended my account with no valid reason and when I tried getting it resolved from the phone number provided they would tell me it could only be resolved by email. After sending everything they asked they just kept sending me an automated message requesting documents that agents I spoke with verified that they had. I emailed and advised that I would take legal action as they are holding my savings without trying to provide a resolution. They only responded for me to send them a W-9 which I then verified online to be a document you fill out when applying for a job. I told them that after a week and a half of emails and unproductive calls I no longer wanted to restore the account that I only wanted to close it and get my funds deposited into my savings. Mind you I have sent my proof of ID and address a total of 7 times at this point. No one will help me get this resolved. I am at my wits end with this issue as they are not providing me any avenue of resolution. Please help get this issue resolved so that I can move on.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have owned the Capital One Platinum Secured Credit Card since XX/XX/2019. I have not received a credit increase or serious consideration for an increase despite my account remaining in good standing. I have been denied several times. The original limit of {$200.00} was deposited by me. I have been charged the same 29.99 % interest rate the entire time. No consideration for difficulty during covid. Was charged and paid any late fees. Company states you are 'considered ' for an increase after 6 months of on time payments. By looking at my account statements I have met this criteria several times but have never been seriously considered for any increase.
Consumer complaint received 2023-05-17
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. (MI)

I have reached out to XXXX XXXXXXXX XXXX, Transunion, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows 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 2017-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}
Consumer complaint received 2023-05-17
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I have made several attempts to call XXXX XXXX loans to discuss an error in their computing of my monthly payments. Instead of applying my payments to my monthy mortgage dues, they are applying my payments to the " principal '' and sending me late fees notices and non-payment letters. I have all payments on auto-pay and therefore there shouldn't be a problem at all. The agent yesterday simply hung up on me because is was too difficult to manage.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Spoke with a male representative from the XXXX XXXX XXXX XXXX XXXXXXXX about my funds of {$22000.00} turning into - {$22000.00} I was not notified about this at anytime. I went onto my HSBC app & realized that my account had become negative without anyone reaching out to me, explaining why or where are my funds. The representatives response was that I opened this account in XXXX & the HSBC Premier account that I entered into requires an average balance amount of {$75000.00} that this account was unable to maintain this average balance. And for this reason the account has closed. Im unable to get access to my money that was in the account. Its been XXXX months since the customer service representatives have continuously stated to me that I need to wait for this account that is still pending closure to close. Then I will be mailed a check, No time or date available for XXXX months just keep stating that I need to wait that the representative is making a note that I need my funds. Closure is pending, not able to speak with a supervisor at my request! Unexplainable? Also have proof of the account that I entered into agreement with, stating that the account Needs to maintain an average balance of {$10000.00} for XXXX consecutive months to receive a {$500.00}. Welcome deposit for new customers. After I called about the {$500.00}. Bonus, This bank has continued to find a problem with the account. Unfair and not releasing my funds to me.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Normally I have a security freeze placed on my credit report through Trans Union. On XXXX XXXX, I made an online application to lift the credit freeze on that day through XXXX XXXX because I had applied for a new credit card. This cost me {$5.00}. 
The credit card called me the next day saying that they could not process the application because my credit report was still frozen. That evening I called Trans Union and they assured me that the freeze has been lifted on the date I requested. I explained that the credit card company informed me of the contrary. In addition, Trans Union also informed me that I had completely removed the freeze on the card, and in order to replace the freeze, I would have to pay another {$5.00} fee. I assured them that this was not true, I had not permanently lifted the freeze and that I had only requested the freeze be lifted long enough for the credit card company to process my application. 
In the meantime, on XXXX XXXX, the credit card company once again called me saying they could not process my application because there was still a freeze on my credit report. 
So in the end, I could not have my credit card application processed AND I am being forced to pay an extra {$5.00} to put a freeze back onto my credit report, freeze that I never permanently lifted.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX was never on my past credit reports ( XXXX/XXXX/XXXX # # # # XXXX, XXXX/XXXX/XXXX # # # # ; or XXXX/XXXX/XXXX # # # # XXXX, until after my bankruptcy in XXXX, and approximately a year later XXXX report it being included in my bankruptcy already confirmed by a judge, I never signed any documents for any recent open account noted XXXX/XXXX/XXXX credit bureau in XXXX. Approximately 8 years ago, I order a small item and returned it to them. No account was opened. In XXXX it is now noted and was reported on my credit as included in my bankruptcy which brought my credit score down XXXX points. I contacted XXXX and they noted they did not include me in any bankruptcy but it is still reporting on my credit report. My attorney did not submit, there was no reason. Also, the law requires that a bankruptcy be filed every XXXX to 10 years and Transunion credit bureaur are reporting it more than once which are duplicates of just XXXX in XXXX
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PROSPERITY BANCSHARES, INC. (TX)

I lost my bank card sometime apparently in XXXX. However I didnt realize my bank card was missing until around XX/XX/XXXX when my joint account holder my wife mentioned that there were charges on out account from a restaurant located in XXXX Wi XXXX I immediately called the bank and told them the issue and told them to shut down my card and to refund those transactions. There are at least three transactions from a restaurant called XXXX that I did not make. I spoke with a lady at prosperity and she assured me that she noted everything and would give it to the fraud department. 

I just received a letter from prosperity bank saying that we agree it was a bank error however I would not receive my funds back because it has been past two briskness days since I learned my card was missing. This is a lie, I called the bank immediately when my wife and I noticed that my card was missing. 

When I received the letter I called the bank and was told by another person that I want receive my money back because I didnt use my card since XXXX. Im demanding my funds back asap. Prosperity bank is breaking banking regulations and being very dishonest with there clients.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (WA)

Two years in a row this CMG financial had estimated our escrow wrong. The 1st year for XXXX they were {$250.00} dollars off and it raised our payment {$41.00} a month for a year. The second year for XXXX they are off by {$940.00} that will raise our already raised mortgage payment to {$3500.00} ( it was XXXX with the previous raise for XX/XX/XXXX ) our payments started off at {$3300.00} for XXXX. They cant seem to estimate correctly and now are about {$1000.00} off and this isnt okay. They say its on us. Its not okay they cant use a calculator let alone account for increases 2 yrs in a row and then want to just keep jumping our payment up.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX
                                                                                       XXXX, XXXX


XXXX XXXX, General Counsel
General Law & Ethics
XXXX XXXX, Deputy General Counsel
Litigation & Oversight
XXXX XXXX, Deputy General Counsel

Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX. XXXX

Dear Friends : 

I hope you decided to join me and provide guidance in pursuing justice with respect to my local government XXXX County and XXXX XXXX XXXX. After losing my home in XX/XX/XXXX I am exhausted. 

Please allow me to share with the most recent evidence of poor governance and tax collector fraud by XXXX   County. Attached is a copy of the XXXX County Georgia Property Tax Assessment for a property that I owned from XX/XX/XXXX to XX/XX/XXXX. 


First, please note that home is appraised for XXXX   on the most recent XXXX  County Tax Bill forXX/XX/XXXX


First, the home continues to be appraised at XXXX
Second, the true market value was realized or evidenced at the sale of the closing statement for XXXX.

Historically, my XXXX  County Tax appeals were met with valuation increases the following year.

XXXX County doesn’t have a reliable tax assessment model. The Governor Of Georgia as advocated this as well and requested a freeze in tax billings.

The Congressional Tax plan will place many of the local tax authorities in crisis due to the limit on local property tax deduction to XXXX. When taxpayers realize this financial change, the local governments will enter a crisis due to heavy dependency on “Non Market” Property Tax Valuation. The Federal government has been subsidizing local tax authority property tax abuse by shielding the financial impact with a deduction. This has also supported unfavorable local government management. For example, XXXX County Tax revenues and budget expenses increased during the Great Recession of XX/XX/XXXX to XX/XX/XXXX. We market property valuations declined 30%.

Please join me in litigation against XXXX XXXX XXXX and XXXX County Tax Assessor for Property Tax Fraud Home Affordable Modification Program. I would like to recover over XXXX  in excessive property tax non-market assessments payments and damages from XX/XX/XXXX to XX/XX/XXXX. I understand that class action litigation may be more applicable.




Sincerely,


XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/XXXX, my mortgage company " NEWREZ '' attempted to take out my payment of which I had made on XX/XX/XXXX. However, I noticed " NEWREZ '' has not taken the money that I owed them for my regular mortgage payment. I waited to see if they would take out the funds and on XX/XX/XXXX, I submitted a new payment which went through XX/XX/XXXX. XXXX roughly XXXX, I received a letter in the mail stating that my first payment was returned due to insufficient funds. I attempted more than 5 types to submit proof that I did have the necessary funds on the XXXX of XXXX in the form of bank statements. My mortgage company is completely refusing to acknowledge this documentation and acknowledge it as proof. 

Furthermore, I was told the insufficient funds charge was first the first failed attempt on XX/XX/XXXX however, I did not get the fee until XX/XX/XXXX. My bank has also confirmed twice that I did have to necessary funds XX/XX/XXXX and at least 3 days after and there is no record on my banks end of " NEWREZ '' attempting to take out the payment. 

On roughly XXXX XXXX, I was told by two different " NEWREZ '' employees over the phone that all I needed to do to get the fee taken off was to submit proof through " NEWREZ SECURE MESSAGING SYSTEM ''. I do have a video of myself trying to submit proof via " NEWREZ SECURE MESSAGING SYSTEM ''. However, the site will not accept any of my file methods that the " NEWREZ '' website says they accept. 

I was informed on XX/XX/XXXX by a " NEWREZ '' employee on the phone that, " NEWREZ '' has determined that after investigating, I am found liable for the insufficient fee. This is after submitting my proof that I did have sufficient funds. 

I spoke with a certified mortgage counselor who advised that this fee is part of a growing number of mortgages imposing " junk fees '' and a new business model. 

I have included the proof that I had sufficient funds when " NEWREZ '' claims they attempted to take their payment from my bank account. As well as proof of the fee being applied on XX/XX/XXXX instead of XX/XX/XXXX.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NRA Group, LLC (FL)

Happened on XX/XX/19 @ XXXX XXXX. Scammers posed as debt collectors attempting to extort money, did not answer. No information given out. Constant calls. Enrolled in do not call registry line.