davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2022 I placed an order on XXXX and paid using my XXXX XXXX XXXXXXXX XXXX. The order was never received. I reached out to the merchant and was told to dispute the charge with my financial institution. Since the merchant was unable to resolve the issue, I submitted a dispute with XXXX XXXX. A few weeks after disputing the charge, I received a letter from XXXX  XXXX asking for supporting documents. I responded to XXXX XXXX with all the requested documents. I was recently rebilled for the charge and received a letter stating, " While we have received your response to this request, it lacks all of the previously requested information needed to validate your claim ''. The letter does not specify what documents they did not receive or what documents I could provide to resolve my dispute. It is clear that XXXX XXXX did not properly review the documents I sent to them. I believe that XXXX XXXX is acting in best interest of the merchant and not protecting their customer.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OR)

On XX/XX/XXXX Chime closed my checking, savings, and credit builder accounts without notice or my authorization. I havent had access to my accounts or the money in them since. I called Chime customer support on XX/XX/XXXX shortly after it happened and couldnt get through to anyone. I sent emails to both XXXX and XXXX and have received no information on why my accounts were closed and how long it will take me to regain access to my money. I called Chime again on XX/XX/XXXX and got ahold of a Chime representative who instructed me to email two forms of ID and a bank statement from my other bank to XXXX which I did the same day. Chime has not gotten back to me with a case number or to let me know theyre looking into why Im locked out of my accounts or anything. There has still been no correspondence from Chime. This morning XX/XX/XXXX I sent XXXX a follow up email requesting a case number and estimation as to when Ill regain access to my funds. I still have heard nothing back from them. They have a lot of my money locked away from me and Im currently XXXX so its extra scary.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX/XXXX/XXXX received letter dated XXXX/XXXX/XXXX stating that I am being " denied credit '' and my credit line is being reduced from {$20000.00} to {$10000.00} because I am not using the card enough -- please note that government and private agencies strongly urge consumers to keep credit scores high by using the smallest percentage of available credit they can. I did NOT request or authorize any change and assumed fraud. Tried repeatedly to contact card issuer ( CapitalOne ) by phone and was repeatedly cut off by automated system after long holds. Therefore I sent letter dated XXXX XXXX requesting fraud investigation ; attached as " XXXX. '' Company did not respond. Therefore, on XXXX XXXX I again called and this time reached an agent who gave the name " XXXX. '' He then said he was in the wrong part of the fraud department and eventually turned me over to someone giving the name " XXXX '' and the ID # XXXX. I was on the phone a total of 33 minutes beginning at XXXX Eastern time. " XXXX '' confirmed that this change is NOT fraud and that CapitalOne is denying me credit ( as their letter says ; see attachment " XXXX '' ) for " our own business reasons, '' and will be reporting the denial to the credit agencies, thereby harming my credit standing. I have a credit score and a FICO score over 800, partly because I am careful to use the smallest possible percentage of my available credit. CapitalOne is forcing me to use a higher percentage by reducing the credit line and is therefore deliberately and intentionally damaging my credit standing.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. In XX/XX/2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. Please note XXXX has Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. XXXX XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (CA)

I settled my account for {$420.00} dollars with debt company Monarch Recovery Management , Inc ( Account # XXXX ), however, they returned the payment as the original creditor is only accepting {$550.00} dollars. The settlement offer of {$420.00} was offerred in a letter I received by mail from Monarch. 

Can they do that, offer and accept a settlement and then refuse it and ask for more?
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I submitted a complaint with the CFPB on XX/XX/XXXX, concerning my mortgage servicer, XXXX XXXX ( now " XXXX XXXX '' ). I had many concerns about the company, and had still never seen any paperwork about my loan, other than the original documentation from XX/XX/XXXX, when I originated the loan with XXXX XXXX XXXX. Within two weeks of filing the complaint, I was informed that XXXX XXXX had sold my loan to XXXX XXXX. They apparently took over the account in mid XX/XX/XXXX, but it is now past XX/XX/XXXX, and I have yet to receive any correspondence from XXXX XXXX. I do not know the terms of the loan, or the amount of my monthly payment. Beside the fact that XXXX XXXX is the target of multiple on-line complaints, my main concern remains the same. Why ca n't anyone provide any type of documentation about my mortgage. Yes, I took a loan from XXXX in XX/XX/XXXX. But now, after 16 years and 4 mortgage companies, I seem to owe as much as I borrowed, and the only loan documentation is the original one from 16 years ago. I hope you can help. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have applied for a hardship with cardinal financial for a total of 6 months. I applied to a program called Texas Homeowner Assistance to pay my past due payment. Cardinal financial has made it almost impossible to receive funds from this program. They have not called the program back after telling me several times they would. I submitted all modification department and they ensured me they were waiting on the HAf program to call them. When I called the HAF program to check the status they stated that they are waiting on my lender to contact them. I applied to this program on XX/XX/2023. 

Just recently cardinal financial applied a second mortgage onto my account for the past due balance that the HAF program is paying for me and will not call the HAF program back to ensure that the past due amount is paid in full. Instead that increased my payment and added the balance to my account as a second mortgage.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.
Consumer complaint received 2024-09-30
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IL)

On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I had an outstanding debt with USAA savings bank. I contacted them on XX/XX/XXXX of this year to make a settlement offer. USAA agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to USAA in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted XXXX and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the XXXX portal and confirmed receipt by phone. 

XXXX explained that any documentation would be considered fraudulent and false unless confirmed by USAA. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When XXXX contacted USAA they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted USAA and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus like TransUnion, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C. (OR)

On XX/XX/XXXX our daughter got in a fender bender and her husband had no insurance on his car. This resulted in them owing XXXX dollars for the claim. Negotiated with XXXX and agreed to max out my credit card and payed XXXX owed for the claim which they agreed to take as paid in full, telling us that this would settle the claim, this was negotiated on XX/XX/XXXX. We have paperwork to that effect. I asked that the send proof of the claim and the amount as witnesses and daughter said there was no visible damage to her car. In good faith we had thought the matter was resolved and have a receipt to that effect. Now in XXXX people are calling on behalf of XXXX saying we owe another XXXX dollars and that it wasn't them but XXXX insurance that wanted the additional XXXX dollars. The persons calling have been threatening to take our daughters license and using fear tactics to intimidate us into paying more money. This is frightening to me as I have excellent credit in the XXXX 's and I don't want them to ruin it by their deceptive dealings with honest people who made a mistake and are learning from it. I then called XXXX XXXX the claims XXXX with XXXX who has this case and she said that the case has been closed and no money is owed and to refer XXXX to her. Upon hearing this I believe I am being duped and scammed and not dealing with a reputable company and have disputed the charge of XXXX with my credit card company. When we tried to pay the credit card was declined because the company is a scam but I naively believed XXXX that it was legit. I am hopeful that the United States Government will help me not let bully companies like this run over people who can least afford it. XXXX is ruthless and bullying me into paying an additional XXXX dollars that I do not owe. Please help me not let them get away with this. The harrassment and deceit and mean spirited people they have working there are on a power trip. I would have been XXXX of those people who would not have believed that these things happen if not for experiencing it for myself. I said I was going to file a complaint and they said go ahead that the CFPB would not help me. I hope that is not true. I have asked for the recording of the call on XX/XX/XXXX where I was assured that this would resolve the case over and over again, that has not been given or any proof of the damages to the other car, which XXXX said they would send. They are bullying people who XXXX least afford it who have made a mistake and XXXX thinks that gives them the right to trat people disrespectfully. It doesn't, and XXXX doesn't believe that you will help me. Please don't let that be true. Sincerely, XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX  in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX  nor am I liable for any debt to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, or any factoring company. In addition, I also sent a copies of these letters to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I, the consumer sent Equifax a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. Equifax 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to Equifax 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my right to privacy and defamed my character.
Consumer complaint received 2017-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On or about early to XXXX 2022 my husband and I went into 5/3 bank to talk about a check that was being held without clearing, the branch manager at that time XXXX XXXX talked to us and convinced us to do a business line of credit and it was in the amount of {$64000.00}. 
XXXX XXXX told us that the interest rate would be low around 6.07 % ( 3.07 % rate and 3 % prime ) and our monthly payments should not go above $ XXXX {$400.00} or around there even when we pull the full {$64000.00}, which we could afford. XXXX then mentioned that there would be a One time fee of {$170.00} for processing etc., which we were also okay with. 

There was an issue and she could not print the documents for signing right there but told us that they would be emailed and we could sign, but that everything we discussed would be the same on the documents. 

Then XXXX told us that we would have online access and a debit card for this loan, its been over a year and we are yet to receive the debit card nor have access to the credit line, even after many requests to her and even other managers ( other managers after XXXX left the Bank ). Fifth Third uses a point system for their employees that they have to meet on a monthly basis, this is what causes deceptive lending practices and fraud ( our XXXX  used to work for XXXX XXXX ) Needless to say, month after month after month the rate keeps going up, we are up to 11.07 % which is another thing, XXXX never said it was an adjustable-rate loan, she said it was a fixed rate. The one time {$170.00} fee is NOT a one time as they just took out the {$170.00} for this year, so this fee is yearly as long as we have the loan. 

We would like this fraudulent and deceptive issue to be investigated and the loan to go back to we were originally told including removing the $ XXXX  yearly fee and/or forgive loan.