davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (FL)

Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
Consumer complaint received 2017-10-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MO)

i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold
Consumer complaint received 2017-10-24
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. (CO)

I sent transunion, XXXX and XXXX a certified letter advising that XXXX  XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my 2 CLOSED ACCTS with XXXX then knocking my credit score down 9 more points. This bankruptcy was filed XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. So to add that comment now after over 2 yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have 5 student loans when I consolidated into 1 in XXXX if XXXX. I have proof all 3 credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I advised this company that the landlord under Texas law has failed to provide what is required by law. If the landlord has failed to either provide me with the security deposit or an itemized list of deductions within thirty days from moving out, the law may allow me to collect {$100.00}, three times the amount of the security deposit wrongly withheld, court costs, and attorney 's fees. If the landlord improperly made deductions from the deposit I will also have the opportunity to obtain the same damages and penalties. Section 92.109, Texas Property Code. Here the landlord has acted in bad faith, and therefore the landlord by law can not make any deductions to the deposit whether or not I damaged the premises. Section 92.109 ( b ), Texas Property Code. Additionally, I will be filing a lawsuit against this credit collection company tactics to immediately report a debt to all three credit bureaus for a debt I do not owe and their communication tactics and constant harassment.
Consumer complaint received 2024-08-28
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2017-10-24
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: Experian Information Solutions Inc. (GA)

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express - Fraud Operations Dispute Refrence # XXXX I have been frustrated trying to resolve a fraudulent charge since XXXX XXXX. I have been told that the matter was raised under incorrect department which caused delay or complication in processing.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Hello, My issue with my mortgage company ( PennyMac ) is the process of removing the PMI from my mortgage. Penny Mac asks me to pay for the appraiser and they choose the appraiser who appraise my house. Last when I started the process to appraise my house, they scheduled an appraiser on XXXX XXXX 2017 to come to my house in which the appraiser did and he told me it takes him 2 days to complete the appraiser report and send it to the company. My house was appraised on XXXX XXXX 2017 and since then I have been calling PennyMac and was told they have not received the appraiser report from the appraiser, which contradicts what I was told by the appraiser himself. 

Anyhow, I have called and kept calling Pennymac and keep getting the run around and wait on the phone for several minutes and then I get the message from them saying they ca n't do anything until the appraiser report come to their office. 

Currently the prices of my homes in my community has raised significantly to the point that I should have an equity to remove the PMI from my mortgage, and I believe PennyMac is trying to dictate the outcome of the appraiser since they do not want to disclose it to me after nearly a month of the appraiser date. 

Also I think mortgage companies should not dictate what appraiser company should be used as long as it is a certified appraiser by the state where the property is located. 

Please let me know how I can get my appraiser report from PennyMac since I am paying for it. And how can I get rid of the PMI from my Mortgage since I met most of the PMI regulations as I read it on your web site. 

I appreciate all your assistance.
Consumer complaint received 2017-10-24
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: Experian Information Solutions Inc. (GA)

Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within XXXX  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Consumer complaint received 2017-10-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.
Consumer complaint received 2016-09-15
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Harpeth Financial Services, LLC (TN)

1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken. 
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BOK FINANCIAL CORP (TX)

I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. 

So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she  could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. 

This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. 

We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. 

Please Help!
Consumer complaint received 2017-10-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The Company this complaint is against is conducting a Foreclosure Sale for Bank of America with fraudulent documents that were filed by their Foreclosure Attorney which is listed on your records for the address of XXXX XXXX XXXX, XXXX, NC XXXX. The Note filed on the above date is fraudulent in more ways than one, first off the Lender listed on the Note is fictitious and does not exist as noted by the stamp on the second page of the Note which I have included the details of the stamp in my uploaded documents. This Lender America 's Wholesale Lender was not licensed in the State of North Carolina or any of the other 49 states in the United States of America. The same Lender is also listed on the Deed of Trust which was filed on the same date as noted above and is also fraudulent as the Note and Deed of Trust have to stay together. The most fraudulent part of this fraud is that the Note filed on the above date is not the Note that I signed at the closing on XXXX XXXX, 2002. So a Fraudulent Note nullifies the Deed of Trust and makes this entire Foreclosure sale fraudulent and null and void. I would never would have signed a Note which stated on the second page by a stamp that the Lender was fictitious. And by the Lender being fictitious it is not Legal and therefore could not underwrite or fund a loan. Bank of America 's name does not appear as the Lender on either the Note or the Deed of Trust so they have no legal interest in this property or the right to Foreclosure on it. Any further action on your part regarding this foreclosure sale will be fraud on your part and if you have already sold any other properties for Bank of America or any other Bank with the Lender on the Note and Deed of Trust as America 's Wholesale Lender you could be subject to fraud charges and lawsuits once this matter becomes public knowledge. Please read over all the uploaded documents and you will see that these documents are fraudulent. I already have filed a complaint with another agency and they have determined the uploaded documents are fraudulent and they have removed my name as being not responsible for this Debt.
Consumer complaint received 2017-10-24
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. (VA)

Contacted Transunion about being a victim of there inquiry issue. I have inquiries on my report they added which isnt mine and they refuse to help me saying I wasnt a victim.TransUnion failed to follow the LEGAL procedure to add inquiries to my account.