davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX / XXXX XXXX : Loan # XXXX Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, XXXX, verbally accepted this program immediately ( XXXX XXXX, XXXX ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the XXXX of the month beginning XX/XX/XXXX through XXXX XXXX, XXXX in the amount of {$730.00}. My husband and I agreed to this and complied with their request. Thus far, we have wired 2 payments on time with the third being due XXXX XXXX, XXXX. In the meantime Capital Bank sent a letter to us stating that there were XXXX liens against the property from The XXXX XXXX XXXX XXXX. The XXXX lien being in XX/XX/XXXX in the amount of {$50.00} and the XXXX lien being in XX/XX/XXXX in the amount of {$2900.00} again from The XXXX XXXX XXXX XXXX XXXX. 
First of all my husband and I were not born as of XX/XX/XXXX and in XX/XX/XXXX we were XXXX year old. 
Capital Bank refers to our residence which did n't exist back in the above dates rather was built in XX/XX/XXXX. 
The property ( XXXX XXXX XXXX, XXXX, New Jersey XXXX ) was left to us via inheritence in XX/XX/XXXX. At that time there were no liens on this property. Furthermore, in XX/XX/XXXX we borrowed {$200000.00} from ING Bank and the liens did not appear at that time either. 
We have been informed that ING Bank was bought by Capital One Bank. 
Capital One has put my husband and I back into foreclosure and is preparing to take our residence away due to these liens. It was not the mortgage we were behind on rather the property tax. The taxes were to be included with our mortgage modification and that is what we are now paying on the mortgage including taxes. 
We have had several hardships in the past three years. First of all, we owned a XXXX family dwelling next door to our property which we collected approximately {$60000.00} in rent a year. Unfortunately, XXXX of the tenants in XX/XX/XXXX started a fire with a faulty electric heater and burned the XXXX-family down to the ground. Since then we have lost our income in rents, and the building. Secondly, I, XXXX XXXX XXXX had a serious fall XX/XX/XXXX and was in XXXX and hospitals to XX/XX/XXXX as I XXXX. XXXX. This put my XXXX on hold for 2 months in which I lost almost 3 months of work recovering. Obviously this made us fall behind financially. My XXXX is a XXXX person office and was closed this length of time.
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Yes I had a bank account in 2014 with JPMorgan chase bank I deposit a check that a company gave me to in they told me it was fraud. And they was going to end there relationship with me for go in they reported me to XXXX I contacted XXXX by mail told the to remove me. They write me back and said they had started investigation in it might take 30 days to complete the investigation after 30 days they write bank in said they are removing me from XXXX because JPMorgan bank ca n't verify it so need this to be fix ASAP.
Consumer complaint received 2015-11-04
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Performant Financial Corporation (CA)

I do not have a direct line at work. I work for a company that has busy phone lines consistently from opening to closing. There is one person that operates a switchboard and transfers calls to the perspective parties. I have asked Performant Recovery more than several times not to call my place of employment for this very reason. We are not allowed to receive " personal '' phone calls on our work line. Everytime I get a call my boss reminds me of this even though I know the rule.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DE)

Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (VA)

It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MA)

I had opened an account with CareCredit to pay for a dental procedure. I was told that I would have no interest if it was paid in the XXXX XXXX months. At the conclusion of that time period I was charged accrued interest and my balance skyrocketed above what it originally was. I never received any notification when I signed up for a CareCredit account of the accrued interest or any notification by phone, email or regular mail that this would happen nor did I receive any notifications when the date was upcoming. This company has been sued and were mandated to issue refunds to over a XXXX consumers, I became a customer prior to this suit and have been a victim of the same deceptive practices. I have requested a refund or at least a reduction in my interest rate and have been denied XXXX.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

I received a letter from Citibank on XXXX XXXX, 2016 informing me that they had closed my Citi XXXX credit card. The letter stated no reason as to why the account was closed other than " we have a right to close the account '' nor was there any number to call. The only way I can contact them regarding the letter was to send a letter to their XXXX XXXX in XXXX XXXX, SD. I then received XXXX more letters within a week of the first stating that XXXX other credit cards issued by Citibank had been closed also. Again, no reason was given. I have never had a single late payment on any of the XXXX credit cards in the entire time I have had them nor has any payment been returned ever. In addition, I had accrued {$1700.00} rewards on my Citi XXXX XXXX credit card and now I am told I am not able to redeem those rewards since my account had been closed. As far as I know, I had not violated any terms of the agreement so I am entitled to those rewards. Those rewards were earned while my account was open and in good standing. I sent a certified letter to the Executive office dated XXXX XXXX, 2016 asking for a reason as to why my account was closed and as to how I can redeem my rewards. That letter was received by their office on XXXX XXXX, 2016 and signed by XXXX XXXX. As of the date of this complaint, I still have not received a response from Citibank.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (SC)

1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 
2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 
3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 
4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc. (FL)

I faxed Financial Credit Services a letter on XXXX XXXX, 2015, asking for information regarding medical collections they have listed on my credit report. On the letter, all account # s were listed. I received XXXX letters dated XXXX XXXX that only addressed XXXX of the XXXX accounts that I questioned. The letters I received acknowledged the receipt of my request and that they would place the account in a dispute status until they received documentation from the original creditor. Needless to say, as of today, I have yet to receive validation. I have contacted Financial Credit Services and spoke with XXXX, XXXX and XXXX who stated that they will not be removing the account although they have not validated the debt. I explained they ca n't continue to report an account that they have n't provided validation for.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i sending a dispute to XXXX and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on my credit report.
Consumer complaint received 2016-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (AZ)

Northstar Location Services , LLC, a part of The Northstar Companies, has telephoned my home looking for someone named XXXX XXXX # XXXX. I am not that person, I do not know that person, and that person has never used my telephone number since I have owned it for 25 years. In order for the unwanted telephone calls to end, I am required to telephone the company. I should n't have to do that as an innocent, uninvolved person.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I bought a house at XXXX XXXX XXXX XXXX XXXX WA XXXX. XX/XX/XXXX to XX/XX/XXXX I surrendered my rights to Bank of America, telling them I can no longer stay in this house and make the payments. I was in an accident in XX/XX/XXXX and was reduced in hours at work and just could no longer afford living in my house. I believe my last payments was around XX/XX/XXXX-XX/XX/XXXX with missing payments throughout the year. The bills had begun to pile up, so I voluntarily left. I have just recently found out through XXXX XXXX - Sr. Mortgage Consultant/Manager XXXX # XXXX o : XXXX m : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX, that 5 years later the house is still in my name. The house has not even been foreclosed as of yet and I am still being shown as the owner of record. I would like for you to contact me about my options at this point.