davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (VA)

Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! 
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.
Consumer complaint received 2018-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

In the summer of XX/XX/2016 my car was totaled out due to hail damage. I had financing on the vehicle through Capital One. I still owed several thousand on the loan. Capital One came up with a payoff quote. During the period where I was exempt from making monthly payments, I was in contact many times with Capital One trying to confirm when the full amount of the payoff needed to be made. Each time I talked to one of their reps they gave me a different answer on when it needed to be paid. This led to confusion, obviously. I did not have a clear idea of when the payment needed to be made. It was only the last time I called concerning the payment time frame that the rep I talked to absolutely assured me of the actual due date. I immediately set out to get a loan to cover the payment. My bank sent the check to Capital One. Capital One reported that the check arrived a day late so they dropped my account into a collection/charge off status. It dropped my credit score from XXXX to XXXX. Capital One received the payment and the account was closed and current. But they still proceeded to put that remark on the account. My credit report, showing the details of the payment history on the account showed that I was delinquent starting in XXXX which is false. I have a document from Capital One stating that the payment was indeed due in XXXX, as the final rep had told me, which is when I paid. 
In the weeks that followed, I was in contact with Capital One trying to figure out the issue and why the account was in a negative status. The first rep I talked to claimed that the bad remark would leave my credit report after they reported it to the credit buereas. Which was false. The next rep I talked to claimed that the bad remark was to NEVER leave my credit report. Which is also false. I have continually been misled by Capital One and it has affected my credit score and ability to consider purchasing a home, a new car and several other things. I have disputed the bad remark with several credit reporting outlets and directly with Capital One, to no avail. I think the actions of Capital One have been very unprofessional, petty, and vindictive.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, During the months XXXX, XXXX and XX/XX/2015, I experienced severe financial hardship and was unable to pay my credit card. I had been paying on time as seen in the attachment from my credit report. I was using this secured credit card to build my credit. When I had the opportunity of making a payment it was too late for Capital One as they canceled my credit card and applied the security deposit to cover what I owed them at the time. 

I have since opened another secured credit card with XXXX and they returned me the deposit after some months as I was paying on time. I hadn't missed a single payment on my credit report before the three missed payments with Capital One and I haven't missed a payment since then as well. I am writing this complaint because I have become a responsible individual but these missed payments affect my credit score still in a significant way. I have made several complaints for them to help me with dropping those from my credit report but have always received a negative response, that is why I'm looking for help with CFPB. 

Thank you for your reponse XXXX XXXX-XXXX
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX I wrote to XXXX informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided.

The alleged accounts on my credit report are : 1 ) XXXX XXXX which they also have not provided the account number and no proper documentation has been sent to me since I have paid this account and am no longer liable for the debt. I was since removed from all 3 credit bureaus only to reappear on Equifax reporting. 
2 ) XXXX XXXX XXXX which they did not provide an account number and proper verification I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The company failed to show me any proof of a contract I have with them. I have never done business with this company before. 
They have reached out to me earlier this year in an attempt to collect a debt that I do no owe. 
They removed the item from my credit report earlier this year, then proceeded to put the account back on my credit report.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

The home was originally included in CH XXXX due to going through a divorce & having to file. I followed through with the plan until the joint payments were made then requested a voluntary dismissal. I contacted Vanderbilt Mortgage prior to dismissing the CH XXXX and was told that the payments were behind from CH XXXX but a modification was done to put the payments on the back of the loan. I was able to make a few payments then got really ill from a procedure. I was out of work for 11 months but did & still doing everything I can to make payments. I am currently behind 4 payments with no resolution. I have received several rude phone calls demanding payment or deed in lieu. I am back working full time, able to make monthly payments, Life happens please help. Thanks
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

On XX/XX/2018, I applied online to received my credit report and score. I paid for it with my card ending in XXXX. I was prompted to contact Equifax after my verification. I talk with representatives twice on XX/XX/2018 and twice on XX/XX/2018. I still did not receive my score and report in which I was charged XXXX. I was instructed to take out a credit monitoring service, which I declined. I explained that I had paid for my score and report and that's all I wanted, The representative hung the phone on me twice after the repeated calls. I requested for a supervisor, who asked for another credit card to process a new order. I explained that I paid for my score and report and I will not give them another credit card for something I already paid for in advance. I have a limited income and can not afford to shell out money because of an Equifax problem. 
I did my part and paid for the product. Equifax was negligent with delivering the product.
Consumer complaint received 2018-04-05
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)

There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (SC)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....
Consumer complaint received 2018-12-01
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. (AZ)

I have contacted TransUnion on 3 different occasion to fix some unverified accounts on my credit report ... I will attached the 3 letters which will correspond with the dates Ive attempted to fix the problem .... TransUnion refuse to fix the problem ....
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

On XXXX XX/XX/XXXX i sent a letter to the University of XXXX XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$100.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The  University of XXXX  XXXX did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX XXXX I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$100.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have mailed 4 different letters to all 3 credit bureaus asking for validation of a collection account ( XXXX XXXX XXXX  ) that is reporting on my credit that I have no idea what it is. I have yet to receive a response showing proper validation that it is my account and it's not removed. This account isn't mine yet they won't remove it.
Consumer complaint received 2018-12-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MO)

The loan Depot pre-approved and also submitted a letter of commitment to the buyers of my home to give them the home loan. I went through my process found myself another home moved all of my belongings out of my house and into a storage facility to which I am paying {$200.00} a month on. We were due to close this past Friday. I was contacted on the day of closing that they would not fulfill their agreement because they discovered that the buyers had a credit card bill that they missed in there investigation of their finances. I tried contacting them and discussing the situation with them to which they were very rude and basically said I'm sorry for you and hung up on me. This has left the buyers of my home completely distraught because of their lack of professionalism and I myself and living at my son 's house, paying for storage for my belongings and I will probably lose the house that I was going to purchase. Not only that this is affect the people I was purchasing from. I truly don't understand how they can possibly get an A+ rating for treating people this way. It was their fault they missed it yet the buyers of my home myself and the sellers of the home I was hoping to get or all and despair wondering what to do. The buyers of my home are so upset they don't even want to pursue another loan through someone else they just want to be done with it so now I have to put it back on the market spend more money on storage living with my son all because of this. I have absolutely every plan to take legal action. I will not just lay down and be treated like this. I would like to see this XXXX XXXX fix their mistake bye XXXX up the {$4000.00} in credit that their client had that they missed and giving the client the loan for their home so that we could all move on. They can afford it it was their mistake and we should not have to deal with this
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Sent information to put credit freeze on my report all they did was to remove my name from pre approved list, called the phone numbers given on the website but unable to get a real person. Company refused to initiate freeze online even though i answered all their questions correctly. Please help
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Flagstar Bank, N.A. (OH)

Our account was bought by Flagstar Bank on XX/XX/2018. We have been informed of the process since XX/XX/2018 when XXXX XXXX inform us of the plan buy. We have received out debit cards a few weeks back. Last week we received out checks and only my husband 's name appeared on them. I call and to inform them of the error and was told I would have to wait until Monday XX/XX/XXXX to have it taken care of. I called and waited for 45 minutes to speak to a banker to be told there is nothing he can do, that it was what XXXX XXXX send over to them. He told me I would have to call XXXX to have them reissue the check with the correct name. I called the number and was told they were just the printing company and have no way to change the name on a checking account. I turned around and called Flagstar back and waited on hold for 40 minutes to be told that I would have to go into a branch office which is 250 miles away, Then was told there is nothing they can do. I feel this is ridiculous that they should make good on the check. I have not ask to be send to Flagstar in the first place. I am already out time to change all my ACH because of this whole mess. They need to replace the check with the proper names on them.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 at XXXX XXXX I spoke with a representative from XXXX  regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo informed us that through their negligence they never properly recorded our mortgage with the XXXXXXXX XXXX  XXXX XXXX County Clerk 's Office, thus leaving our mortgage unrecorded. I reached out to them several times, but they have refused to right this wrong. We closed on our mortgage in XXXX of 2016. About ten days ago I contacted XXXX XXXX the Deputy City Register at the Dept. of Finance and told her of the situation. She spoke with XXXX XXXX of Wells Fargo and told them that they were responsible for the fees and costs of recording my mortgage, yet they still have not sought to rectify the situation. Can you have them rectify the situation? If not, can you put me in contact with the agency that can?
Consumer complaint received 2018-12-01
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. (AZ)

I have contacted Experian on 3 different occassions and they have responded to verify and not sent me the proper document to show that im the owner of those account .... I have received nothing to show the the account have been properly verified ... ..
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (PA)

Since XXXX, I have been contacting Equifax about inquiries onmy report that I did not make without success. I last wrote on XX/XX/XXXX, yet another letter disputing wrong information on my credit and they have not responded. 
My inquiries that I am aware should all be from XXXX when I was working on my credit. I never made further credit applications resulting in authorized inquiries. 
The following inquiries are reporting on my credit reports and negatively impacting me as these were not authorized by me : XXXX/XXXX made in XX/XX/XXXX XXXX XXXX is being reported up to 3 times within XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, XXXX  and Equifax which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). 
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. 
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.