davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.
Consumer complaint received 2015-07-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MI)

I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX. Included in thebankruptcy petition was an apartment that I surrendered XXXX, XXXX XXXX XXXX, MI. I completed and fulfilledmy chap XXXX bankruptcy with a discharge of debt on XXXX/XXXX/XXXX. Theproperty at the above address was sold in XXXX with no claimsprior to the discharge of debt from any lender. I do n't own theproperty and I do n't owe any lender any money either. Sincethat time, XXXX XXXX has claimed that I owe them money andreported this to all XXXX credit agencies, call them out on thisthey transferred the servicing to XXXX and for years they havebeen reporting this to credit agencies as unpaid and show me asbeing not paying on the outstanding note for years. I finally wentmy bankruptcy attorney and she communicated with them andthey agreed to stop the reporting and cease communication. 
They indicated in a letter that they contacted the credit reportingagencies and corrected the reporting that was going on for morethan XXXX years. Today, XXXX/XXXX/XXXX, I got a letter from XXXX statingthat they had transferred my account to a new loan servicerShellpoint Mortgage Servicing. I do n't owe any money and Ica n't seem to stop the continuing bounce to a different loanservicer. I have disputed the loans with the credit reporting agencies but they just take input from the loan servicers. 
Need some help here ... My attorney just got this resolved, or soI thought.
Consumer complaint received 2016-01-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Mercedes Benz Financial Services (CA)

On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. 

Related CFPB case XXXX
Consumer complaint received 2016-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (ME)

I have put in a dispute 14 times with EQUIFAX ONLY. THEY WILL NOT FIX THE THIS ACCOUNT WHICH HAS BEEN CLOSED AND PAID IN FULL XX/XX/XXXX. 
I HAVE CALLED AND TOLD THAT ACCOUNT IS CLOSED, BUT IT IS N'T I GET EMAILS SAYING ALL FIXED BUT IS N'T. 
XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} BALANCE. STILL SHOWS OPEN AND {$9900.00} BALANCE. 
PLEASE FIX THIS ON THE EQUIFAX REPORT ONLY. TRANSUNION AND XXXX HAVE DONE THEIR WORK, BUT I KEEP GETTING CONF. # XXXX.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I am not receiving a statement of any kind for our mortgage. Have contacted their customer service dept by phone and email the last few months but have been unalble to get the matter resolved. Not sure if they are being deliberately obtuse or are just poorly trained/uninformed. Would appreciate any help you can give us to resolve the matter. I do n't like paying my money but not having any info on how that money was applied!
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SKO Brenner American, Inc. (PA)

I have repeatedly expressed my desire to cancel this order to XXXX. I called several times and each time the rep said yes we will cancel the order. So when they sent an invoice/bill, I returned it stating yet again I cancelled the order. They sent the merchandise ANYWAY. I am under no obligation to pay for a " gift ''. When the collection agency contacted me, I AGAIN stated my communication process and sent their invoice back with a written statement explaining that this was not a product I requested and therefore have no intention of paying for it. This was sent by certified mail and I have the receipt that this was signed for and received. 
I have received ANOTHER REQUEST FOR PAYMENT from this same collection agency with the threat that this will affect my credit file. Enough! This now borders on harassment.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Experian account # XXXX From XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company XXXX is reporting in accurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is the situation where they ca n't validate the information why is the creditors continue to report these items illegally on my credit report. I 've also written letters disputing the XXXX account and this item is also reporting illegally on my account. The other credit bureaus was able to remove the inaccurate information reporting against me but Experain have failed to do so. I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
Consumer complaint received 2015-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Settlement and modification was negotiated between Plaintiff/Defendant on foreclosure in XXXX 2011. Recorded documents by Plaintiff reflect fraud in that HAMP Modification Header was fraudulently attached. This was not a HAMP - no application was completed by homeowners. Further undendorsed copy of note was attached to modification. ENDORSED NOTE was filed the day after summary judgment hearing in which summary judgment was granted. Endorsed note was not filed prior to hearing and not available for homeowner to inspect prior to summary judgment hearing. 
# XXXX ISSUEModification amounts were provided by OCWEN to Plaintiff. Homeowner made payments as promised until Ocwen refused to accept payments as escrow shortage existed. One payment is still in suspense. Repeated efforts by homeowner to Ocwen were met with misinformation. 
Homeowner was again forced to obtain counsel to solve issue. 
Ocwen has publicly stated repeatedly that they do no require confidentiality statements from homeowners, yet we signed one and are still barred so I can not attach copy even though they recorded. Ocwen did not show good faith in that they made representation to my counsel that modification/settlement would not be recorded - yet they recorded fraudulent documents. This situation remains unresolved, despite homeowners best efforts through counsel to resolve
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.
Consumer complaint received 2015-11-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (DC)

I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.
Consumer complaint received 2015-05-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I have a XXXX mortgage with Citimortgage. I requested assistance by way of approval for a short sale. They XXXX made me go through a modification process even though a short sale was requested. It appeared that they purposely waited to start the short sale process as a last resort. After they understood I wanted a short sale ( even though it was stated and requested on their paperwork ) they required that I submit all my documents again because " it was another department ''. After weeks of this repeated process they denied my short sale because the loan was " charged off ''. They continued to keep the process going even though the loan was elsewhere. Now after following up XXXX they have apologized that they have not done an escalation and will " send another email to remind them it needs to be done. '' I started this process with them back in XXXX 2014 XXXX almost six months ago ). In the meantime, my primary mortgage lender has approved my short sale process, I have an eager pre-approved buyer, and the process is being held up by Citi Mortgage. At this point I am concerned that I will lose the buyer and have to start the process XXXX again.
Consumer complaint received 2015-09-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Autovest, L.L.C. (NV)

So Autovest agreed to payment arragements of {$250.00} a month. ( See Case number : XXXX ) I can not afford that. I called several times to see if we could come up with a better arrangement I could afford. No calls back at all. Now they are garnishing my paycheck again. Almost {$700.00} a month. 1 ) I no longer own this car 2 ) I am a single monther 3 ) Thinking that when they sued me ( again I was not aware ) the statute of limitations was up. Now I 'd love to take them to court but I ca n't afford a lawyer for this. I know what they are doing is illeagal and immoral. However since I ca n't counter sue them I need a payment arragement of {$150.00} a month. When they agreed to payment arrangements to start XX/XX/XXXX I was still being garnished and payed almost {$600.00} that month. I tried to get clairification which again I received no response. I need resolution ASAP.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts
Consumer complaint received 2015-09-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (IL)

Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, XXXX, TransUnion ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within XXXX business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX SC XXXX TU XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TU XXXX/XXXX/XXXX
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.