davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (AZ)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the Experian and XXXX credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following account listed on my credit report : XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only XXXX dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by XXXX points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and XXXX for XXXX minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2016-11-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (OH)

Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX : {$XXXX}
Consumer complaint received 2016-11-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

Took a XXXX dollar loan. Was told there would be a XXXX service fee, but every 2 week they take out XXXX dollars and now they say my next payment will be XXXX for this XXXX loan I will have to pay XXXX to pay it off I would have never knowingly agreed to this the loan was through big picture loans. They told me the terms, had me sign then showed me my payments. I 'm trying to pay but I know I ca n't keep up
Consumer complaint received 2016-09-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. 

After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2016-11-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NY)

I submitted my mortgage payment to Quicken Loans on XXXX/XXXX/2016. 
The payment was never withdrawn from my account ending in XXXX. 
When I called Quicken Loans to inquire why that was the case, I was told that Quicken Loans had XXXX similar checking account accounts on file for me. 
I was assured that the incorrect account would be removed, and that my payment would have be redeposited, without affecting my credit because I had paid before being 30 days over due. 
I have called Quicken Loans, but I have only received empty promises that someone would call me back, and that everything will be taken care of. 
No one has called me back, and Quicken loans has not withdrawn any payment from my account, but instead, had referred me to multiple credit bureaus indicating that I am either 60, or 31-60 days late when this is not the case. 
Quicken Loans has not provided me with a good level of service ever since I became a customer. 
Furthermore, even though my insurance was renewed with a effective date of XX/XX/2016, Quicken Loans never made my premium payment, and had not done so until I called to complain on XX/XX/2016. Quicken Loans did not make a payment in my behalf until XX/XX/2016. 

Quicken Loans have never treated me well. 
The following explanation, and my current mistreatment are the basis for my rationale to finally file a complaint with the CFPB : When I applied for to refinance my mortgage, Quicken Loans accepted an appraisal that was based on houses that were not in my neighborhood. As a XXXX, I was shocked when Quicken Loans accepted a blatantly under evaluation that was based on minority neighborhoods, instead of using evaluation from my more prosperous and predominately XXXX neighborhood. 
To further prove my point, even though my house is the exact same as my neighbor 's and had recently undergone a complete renovation, my house was appraised for {$91000.00} less. {$120000.00} for mine, and {$220000.00} for theirs. 
I have brought this to Quicken Loan 's attention before, and nothing was done about it.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS RELIABLE LENDING LLC (TX)

My wife and I signed a contract from a mortgage broker agreeing to a specific interest rate based on a credit report that was not from experian, equifax, or transunion. I received the request notification from the credit beurous dated on the same date the mortgage broker 's credit report was dated saying : The lender has requested a credit report from " us '' : " us '' being the actual 3 credit beauros. The credit score on the credit report from the credit beauros was over XXXX points higher than the score on the credit report the mortgage broker used to determine the interest rate for my home mortgage.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2016-11-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

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 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (VA)

I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX