davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have previously tried to write letters to have derogatory information removed from my credit report and this company has not removed it. The debt does not belong to me. It is impacting my credit score and prohibiting me from being approved for a home loan.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC (CO)

I paid a collection for XXXX cents to a collection company and they are still billing me for XXXX. Double what they said i owed and paid in full. I refuse to pay another dime to them. Please help me to get them to stop attempting to contact me anymore to collect a debt that I've already paid.
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

My Name is XXXX XXXX XXXX XXXX and I desperately need your agency intervention with my bank XXXX and XXXX XXXX On XX/XX/2019, I was on the XXXX  app and seen an XXXX XXXX for sale and offered {$400.00} for the phone and {$5.00} shipping. The seller accepted my bid and asked me to pay her through XXXX pay which I did. She told me she would send the XXXX out immediately priority mail once funds cleared. I used my BBVA debit visa card for this purchase. 

What happened next shocked me because the seller sent me an expired offer notice and kept my {$400.00} in funds. Would not answer messages sent and next she had the nerve to relist the same product to defraud more victims. I put a complaint about fraud into XXXX XXXX and they denied me could not believe this. Next, I filed a claim with BBVA my bank and they took 11 days to tell me my claim was denied. They said since I paid through XXXXXXXX XXXX  their hands are tied and that I'm out {$400.00}. This should be illegal banking practices as my card is protected by fraud. BBVA is the worst bank ever as they do not protect their consumers for fraud. 

I have emails, pictures, and evidence that I can provide your agency that clearly show this is a fraudulent transaction that must be covered by BBVA. I formally request your agencies intervention to assist me in getting my funds back as I'm on a fixed income. 

Thank you in advance for your time, consideration, and assistance in resolving this fraud. 

Sincerey, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Wednesday, XX/XX/XXXX, I was informed of an incorrect item reported on my credit. XXXX XXXX XXXX XXXX, Acc # XXXX opened XX/XX/XXXX, reported XX/XX/XXXX. Amount {$28000.00}. XXXX XXXX CLOSED. In XXXX my wife passed ( XX/XX/XXXX ) I had a rental that tenants had damaged, I was told by insurance I did not have a claim, I was to sue civil. The tenants had nothing to attach. I couldnt do that. I stopped paying on the house, begging the ban to take the house back ( we had a deal, they loaned me the money for the house & if I didnt pay they would take the house back. One year after not paying on the house it was sold at auction for $ XXXX.For the TAX year XXXX I was sent a XXXX c/w this. ( Attached ). I called the sender, they said this ended it. I paid taxes on over {$35000.00} for that tax year. NOW that I can not amend that tax return this " XXXX '' company found out about a public record, and is reporting it on my credit after 6 years just to try to make a quick buck. It was settled in XXXX. I disputed it, but Experian said the proved it was a goood debt. It isn't. I talked to a banker about possibly buying a new home. He checked my credit and found this. Only one agency reports this. My credit report is EXCELLENT! everywhere else. Please help me,, Thanks
Consumer complaint received 2019-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC (AR)

We had a home built by United built home and the appraisal came back low so instead us getting financing though a mortgage company we got stuck with them our mortgage payment is only supposed to be {$1000.00} a month not {$1500.00} a month they didnt let us know before even started on the building the home about the other value of the other homes around this could easily be avoided
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (TX)

on XX/XX/2019, I received a pre-charge off card notice. it was dated XX/XX/2019 on the inside of the notice. XX/XX/XXXX I called Customer service 2 x once i put in for a call back due to a excessive hold time and never received a call so I started calling again and when I finally got thru was informed after 30 min that i had to travel to a branch location and I explained that was not possible. I went online and contacted the Bank BBVA Compass thru there online contact us Message system. I explained 1 I was charged for a XXXX $ charge that was declined but they were charging me as a overdraft with a fee totaling XXXX . 2 I have my tax returns coming to the account and are being direct deposit and I would like to keep the account open. XXXX XXXX I received a response saying they couldn't help me and again i needed to go to the bank or call the bank 's dept collections department. XX/XX/XXXX I drove to the local branch and spoke to XXXX XXXX and I explained my situation and XXXX called the Debt collection Department 3 times. XXXX was hung up on by the DCD each time and she finally resorted to emailing the corporate office. XXXX asked for a copy of the post card and I emailed it to her and she responded hopefully they will contact me back. On XX/XX/XXXX they closed my account and I no longer had online access. I explained from the beginning the XXXX $ I was over Drawn all from two XXXX $ monthly service charges could be paid off from the direct deposit 's and that according to the State the direct deposit was already issued from California and should be hitting the account any time from XXXX XXXX. Please help me I need My account and funds to pay my car payment and with out it I am afraid my car will be taken.
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MN)

Last year, mid XX/XX/2018 I walked into a XXXX  store, told them I was done with XXXX, paid off my complete bill and phone, and went to XXXX. A few months back another company tried to claim I owed XXXX money. Now I see Diversified Consultants is claiming I owe a debt that I had already paid in full. 
This debt is not valid and I demand to see proof that it is owed. I demand to see proof that I have not already settled this account, and that my last large payment was not all the money owed at the time I paid it. 
I need to see the original signed contract otherwise this mark against my credit needs to be removed immediately. 
This is affecting my current credit score greatly, and it is very upsetting to have to deal with this again.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

XX/XX/XXXX at XXXX closing we were short XXXX dollars had to call loan officer ( still have names ) for help Attn 's left my family in the parking lot with nowhere to stay.How could this have happened! Forgeries of my signature on mortgage docs. Nationstar/ Mr Cooper/ . XXXX is law firm for plaintiff. My XXXX yr young daughter suffering from XXXX XXXX is receiving calls from a " XXXX '' from XXXX attn 's asking for information on her deceased mother she has no ties to mortgage ( have saved messages ) pure predators I am XXXX suffered from XXXX XXXX XXXX XXXX for decades have all its XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX since XXXX, when my daughter started to be harassed I had to write. Illegal behavior ...? taking care of my daughter she had to leave a mold infested apartment in XXXX XXXX NJ her XXXX XXXX   XXXX she does not need this assault from some outside XXXX and XXXX legal team. It's hurt my daughter she is scared now about strangers calling
Consumer complaint received 2019-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of Identity theft. A police report and FTC report was sent to XXXX, Transunion and XXXX detailing the fraudulent accounts and information that needed to be removed from my account. This was sent certified mail XX/XX/XXXX. All three credit bureaus deleted the fraudulent accounts in XX/XX/XXXX after speaking with them last week XX/XX/XXXX and again this week after reviewing my credit reports. While reviewing my reports I noticed that they removed several of my accounts that were in good standing and was not apart of the police report or the FTC report. I told them they removed accounts that were not fraudulent and was told that they removed all accounts if they reported at any time with the address associated with the fraudulent accounts. I advised them that was not correct and to place my good standing accounts back on my account. I called again today to XXXX   in particular and was lied to this time and told my bank told them to remove it which is not true because I spoke with all of the creditors and they all said the information is being sent to the credit bureaus. I asked to speak to a manager and was told I could not speak to one and I could go into a voicemail and someone would call me back, which is another lie because no one ever calls back from any credit bureau. My good credit accounts were removed without my permission and they choose to keep on the accounts that showed any type of late payment that they felt might be correct.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NY)

Dear Sir/Madam, I applied the following Checking and Savings account with bonuses on XX/XX/XXXX. I have made my first direct deposit of $ XXXX on XX/XX/XXXX, but I didn't receive the {$200.00} Checking bonus as of today. Also, I have deposited {$100.00} until today, while I didn't receive the {$50.00} Savings as well. So could you please investigate this problem for me and fulfill the bonuses for me ASAP? 

Thank you very much! 

XXXX XXXX XXXX Checking bonus : You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus. 
Eligible accounts include BBVA Compass ClearConnect Checking, BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking and Easy Checking Within sixty ( 60 ) days of account opening, at least one electronic deposit of your paycheck, pension or  government benefits ( such as Social Security ) from your employer or the government in the amount of at least {$500.00} must post to the new checking account The {$200.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
Savings bonus : You must be a new BBVA Compass consumer savings customer who has not had a BBVA Compass consumer savings account open within the last 12 months or closed due to negative balance to be eligible for the bonus Eligible savings accounts are BBVA Compass ClearChoice Savings, Build My Savings, ClearConnect Savings and Young Savers Savings account must be opened within 60 days of checking account Account must be opened with a minimum balance of {$100.00} in your new BBVA Compass Savings account. The minimum balance of {$100.00} must be maintained through XX/XX/XXXX to qualify. 
The {$50.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
The BBVA Compass savings account holder must be an account holder on the new BBVA Compass consumer checking account General rules : New BBVA Compass customers may be eligible for {$250.00} in cash bonuses from XX/XX/XXXX XX/XX/XXXX, by opening a new qualifying BBVA Compass consumer checking account, and one of the following : BBVA Compass consumer savings account. 
There is a maximum of one ( 1 ) {$250.00} bonus per household. There is a maximum of one Checking Bonus and one Savings Bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Consumer complaint received 2019-02-09
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: Innovis (OH)

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
Consumer complaint received 2019-02-09
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: LEXISNEXIS (OH)

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I asked XXXX, XXXX, equifax to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting collections to my Trans union credit report from XXXX Cable ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. XXXX has maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX has charged me {$280.00} in unjust fees on a {$300.00} credit limit secured credit card. While I have been paying my bill from a employer allotment ( {$200.00} paid to date ), XXXX  hasn't been counting these allotments payments and have only been applying them as credits. As a result {$280.00} in late fees ( interest not included ). I have disputed this but I haven't received anything but more fees after each dispute. I would like to pay off my card and raise my credit limit but not if it's for a credit card that I'm paying and can not use. I would like these fees all credited back with an increase on my limit to make things right.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Experian can claim to verify this alleged debt when the Collection Agency itself can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XX/XX/XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action. 

If you continue to list the disputed item on my credit report I will find it necessary to sue Experian for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely
Consumer complaint received 2019-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I would like to Lodge a formal complaint against XXXX, as I had a Sale Mae/Navient loan. I had called several times to ensure I was eligible for loan forgiveness, as I was a teacher. I was told I was on track, but every person I talked to told me something different. 

In the end, it turns out that because I paid more than a minimum monthly payment, I was not eligible for loan forgiveness and none of the payments I had made would qualify for credit towards forgiveness. 

We ended up paying the balance off ASAP to be done with the mess, as I was given faulty information on multiple occasions.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From XX/XX/XXXX - XX/XX/XXXX I was in the process of applying for a pre-approval on a mortgage from Bank of America. XXXX XXXX, NMLS # XXXX was assisting me in putting the application together and asked for my current rental history. I live in a house co-owned by my father and I, and I transfer him money every month ( under no obligation or contract to do so ) to help him get by. 

The underwriter and XXXX initially assumed that I was renting the house from my father, and asked for me to provide a rental agreement or documentation. When I informed him that there is no agreement, and I have no obligation to pay rent, XXXX instructed me to forge documentation ( a " lease agreement '' ) saying that I have been renting my residence from my father for years in order to establish enough credit history to get my mortgage pre-approved. I declined, and our conversation ended.
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.
Consumer complaint received 2019-01-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/XXXX I paid the amount of {$890.00} to XXXX XXXX regarding a student loan debt for my mother XXXX XXXX XXXX they advised that once I paid the money of {$890.00} her loan she would not owe a dime any more and the loan would be a XXXX balance. This was not the case a year after she signed the paperwork and I paid the amount of {$890.00} which the paperwork they said showed but the student loan XXXX XXXX advised this was fraud and that my mother still owed the debt. They also advised that every year she would need to recertify which XXXX XXXX never told me when they were getting my money. I am requesting a refund based on FRAUD false misleading documents received XXXX took money from me on false pretense and sent paperwork FRAUDULENT DOCUMENTS to the consumer. I advised Navy Federal Credit Union of the FRAUD immediately and ask for a refund to be credited back to my debit card. As of today 's date after filing this with Navy Federal on XX/XX/XXXX I have not received a refund for the FRAUDULENT TRANSACTION. This company is sending out FRAUD DOCUMENTS making the consumer believe they are debt free from the debt when they are not. Acting on behalf of the Federal Government in order to receive money that they are not entitled too.
Consumer complaint received 2019-01-17
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. (CA)

I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

Experian ad XXXX confirmed on the phone that it's " up to the lender '' to report what they want.