davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to XXXX Late and send me a copy of my updated credit report. 

I have also attached proof of payment : Bank statement XXXX XXXX  confirmation statement Waiver fee reimbursement due to the mistake Account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (FL)

I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a checking account with Capital One 360 that I 've had since XXXX. About a XXXX I went to use my ATM/check card for a gas purchase and the card was declined. Thinking it was the machine, I went to another location and again was declined. I contacted Capital One 360 customer service and was advised that my card had been " deactivated '' and they had sent me a new card in the mail that I " should '' have received by then. Capital One provided no communication to me ( I login to their website almost daily and a simple message or note would have sufficed ) and " deactivated '' my card that was not yet expired so that they could provide me with the new updated card with the chip security feature. I 've since contacted Capital One and provided them with the opportunity to resolve this matter and am not satisfied with their explanation. They stated that because their rep. offered me the opportunity to get back into my car and drive back to the store to make a " one time '' withdrawal/ purchase and then they would " deactivate '' my card again. I do not feel that it is acceptable to say " because we gave you the opportunity to go out of your way and make a one time/ educated decision on how much money you need to withdraw, we feel we have corrected the situation ''. The fact of the matter is that my card was not expired and the entire situation could have been handled differently to avoid putting me the " consumer '' at harm- again, this was the period right before XXXX. Heartless. I 've read the cardholder agreement and find no acceptable clause that relates to this issue and I do not find it to be legal or acceptable from a customer service standpoint.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (PA)

Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. 
Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

I have Signature Student loans with Navient ( Formerly XXXX XXXX ). After reviewing all charges on my loan balance, I found a mysterious " repayment fee '' of {$280.00}. I called to get information on this and get this taken off. I was told that it was a fee charged when my loan entered repayment status. It was a percentage of all outstanding loans on my account. When asked for a credit of this, I was told that it was part of the original terms of the loan and can not be changed. I 'm sure I overlooked it in the fine print of the terms I signed on the loan over 10 years ago ; however, still left a bad taste in my mouth. I am currently working hard on paying off these loans, like millions of Americans. Hopefully they this get added to the " unfair practices '' section on the new lawsuit filed earlier this month.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering because of this. No notice was given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (TX)

I applied for a 15 year cash-out refinance loan from BBVA Compass Bank back in XXXX XXXX. The loan processor I was working with was XXXX who is the only loan processor for BBVA Compass in the XXXX, TX area. The loan went through the motions and was approved around mid to late XXXX. By late XXXX, the loan was set to close and I was even given a closing date of XXXX XXXX, XXXX. One day after this information was given to me, XXXX contacted me to inform me that at the last minute, my loan had been " red flagged '' due to high loan fees and did not pass compliance. She went on to state that my loan 's fee were above the 3 % limit set for the state of Texas and that there was nothing that she could do to lower my loan 's fees ( in fact, she blamed compliance, stating that they were unwilling to corporate with her ). As a result, she said that my loan was now in limbo and that it would never have a chance of closing. 

Therefore, I was forced to find another lender and start the process over again. Upon doing so, the new lender notified me that my credit score had now gone below the limit needed for a cash-out refinance and recommend that I transfer some of my credit card balances in order to quickly raise my score. Therefore, I had to transfer {$3500.00} in old debt to a borrowed credit card in order to meet the balances needed for the re-score. 

I feel that XXXX was incompetent in the handling of my loan and had she done her job correctly it would have closed as scheduled. Not once during the loan process was I told that their might be issues regarding the fees, nor was I ever told that the loan might not close at all. I feel that BBVA Compass should take some responsibility for XXXX actions as she represented herself as an experienced loan processor who has been in the business many years and has handled all types of loan situations. Her experience obviously did not show during my loan process as she often seem confused and was totally lost when the issue of the high loan fees came about. In fact the new loan officer questioned the fact that no effort was made to waive or reduce a fee in order to meet the 3 % threshold. As a result I am asking that BBVA compass pay at least half of the balance transfer, {$1700.00}, which I would not have had to pay had the loan closed as scheduled.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect 11/03/2021, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Cease and Desist all collections or derogatory activity regarding the alleged debts on my credit report.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is in violation of my consumer rights and is affecting my credit worthiness.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-09-08
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP (GA)

AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with Capital One 360. They took my money ( via ACH ) from my other accounts. My mobile app said that the funds were not available for withdrawal. I gave it a few more business days and then called them to find out why the funds were frozen ( I could not access them ). When I called them, they said that they reviewed my account and said that they did n't want to do business with me - although I passed all XXXX and did everything they asked. If they did n't want to do business with me, why would they open an account, take my funds, then wait to close it and freeze my funds where they were not available to me? I 've escalated and am still awaiting a return call. I passed all incremental XXXX and am not sure why they are keeping my funds. Additionally, I directed some of my payroll to this account since it was set up and they mailed me a debit card in the mail. I never imagined that they would open the account, mail me a card, etc. and then close the account and freeze my funds. As well, when I called to get help, the agent said they could not help me, that I needed to speak with another department and it took WELL over an hour just to get someone to answer the call ... and that person then said we do n't want to do business with me ... even though they took my money and mailed me a card
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MD)

To Whom It May Concern, My name is XXXX XXXX, phone number XXXX. I have been a loyal customer to Citibank for years. I was always proud of the customer service and the banking services that Citibank provides. 

For almost two weeks I have been trying to ask CitiBank to save me and my account from an agent who committed a discriminatory act against me and harmed my credit intentionally but they emailed me saying " we are sorry we can not do anything to assist you please contact the presidential office. 
The story begins when I called Citibank to talk to a credit department to increase the credit limit for my forward card. 

A Citibank employee named XXXX replied to me and started the process. Part of the process is to verify the identity of the applicant via calling him by phone. XXXX asked to hung up the phone to call me. But, he never called. Instead, he decided to reject my application and went to a break time. 

After waiting for XXXX, long time, I decided to call back to check why XXXX did not call me. I was astonished to hear that he rejected my application without mentioning a reason. I asked to talk to the credit department. The customer service agent named ; XXXX ; said that the credit department said they do not want to serve you ; I asked him to record this on my file that the department decided not to talk or help me. I asked XXXX also to refer me to the manager. 

The manager of the customer service was so helpful and called the credit department but the credit department said that " I was approved then I was rejected because XXXX could not reach me via phone. '' XXXX never called me or even try to call me. XXXX decided to cause harm to my credit score and causes inconvenience to me by deciding not to call me and rejecting my application for the credit increase. He discriminated me may be because of my name or my accent. 

I filed serval complained with Citibank but all of them were ignored and finally they told me they are going to send me the reason for denying. They never mailed me the reason. For few second the posted a message on my account saying I was rejected because I have not updated my phone number in the fraud alert and they removed the message quickly from my account. They removed it because it was wrong, my fraud alert has my number long time ago and I managed to use it when I applied for servers credit card and also when I increase my credit limits for other Citibank credit card on XXXX XXXX, 2016. 
My credit score has negatively been affected by Citibank agent act and I am emotionally been affected and put a lot of stress on me. This is especially after all Citibank customer service informed me that they did a mistake but they can not help me and I have no way to get my right back. 
I never had such racial discrimination in my life. Please help me stopping such discrimination and any potential harm from Citibank employee and get my right by fixing my score they harmed. 

Look forward to hearing from you, XXXX
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (FL)

I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.