davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I supposedly have a credit card from Capitol One that I never applied for, they said I made purchases yet when I asked to see the charges or my signature I was told that I need to send them a photo copy of my driver licence I told them are you crazy cause you will some how add my signature to an application or use it somehow against me. I have heard of many situations where companies do this, I refused to send them a copy so they say it is my card and charges, they said I have spoke to them on several occasions, said it was fraud then they said I said it was my daughter. this is BS, what happened is someone DID use my information but it was well after I moved from the address they originally have that they say I used to apply. I am sick of this XXXX and it has been years and still get no where or it removed from my credit report, they also said I need to call local police and file a complaint, now how can I do that when I dont know who did it! Never once was a payment made or a signature of mine on a purchase. They said they have proof but NEVER showed me anything until I send them my licence well that will never happen. Please see if you can get somewhere with these XXXX
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.
Consumer complaint received 2024-11-15
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (CT)

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Consumer complaint received 2023-06-12
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. (OR)

Equifax, XXXX, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.
Consumer complaint received 2023-05-22
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. (OH)

I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, XXXX, or, Transunion written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all names and addresses, jobs that doesn't match my current information must be removed
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

On XXXX XXXX, 2016, I sent a letter to the credit Bureaus requesting that they investigate and/or delete disputed items from the company Diversified Consultants Inc. from my credit report. My letter to the Credit Bureaus also requested that Diversified Consultants verify that they have legal right to collect debt in my state, the original contract, etc. On XXXX XXXX, 2016, I received a letter from Diversified Consultants through the United States Postal Service from Diversified Consultants dated XXXX XXXX, 2016. 

The letter received from Diversified Consultants stated that they are business as ( Diversified Central ) in the state of Alabama. I googled Diversified Central in the state of Alabama and have not been successful in finding the alleged company. 
I have reason to believe that Diversified Consultants lied about this fake company ( Diversified Central ) as a ploy to illegally collect money from me.
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (CO)

I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I have an Amazon credit card through Synchrony Bank. They have a payment due date of the XXXX of the month. I paid my payment on the XXXX and they accepted it as posted on the XXXX of XXXX. The next day I am showing a {$35.00} late fee on my account. I called ( XXXX XXXX ) and was asked why I am waiting until the due date to pay my bill .... I told them because that 's when it 's due. They told me that if I pay on the due date that the system automatically charges a late fee and it stays on there for 36-48 hours. They told me I should pay two days before the due date. They admitted I was not actually late. The {$35.00} adds to my average daily balance and therefore to the amount of interest they charge me. Add that up over several XXXX XXXX customers and they are making a lot of interest on those pennies by adding a bogus late fee for two days. They do charge interest based on daily balance ( see attached documents ). I am charging them an overcharge fee of {$250.00}.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MA)

I went into the XXXX XXXX at the XXXX XXXX on Thursday XXXX XXXX and made a {$150.00} check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took XXXX to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The {$150.00} check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to call back and they " could help me ''. I explained to the csr that I needed the items for presents for Saturday. I called Saturday morning and it went down hill from there. The ending of the story is that they are holding my {$150.00} deposit for 18 days because I made XXXX payments in a billing cycle. I have never heard of this before. So now I am out the {$150.00} for the check and {$150.00} not credited to my account. I have NEVER heard of this before.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX A XXXX .... Balance : {$130.00}
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.
Consumer complaint received 2023-05-22
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. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A. (ME)

I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Bronstein & Weiss Arbitration (NM)

Received pre-recorded call at XXXX personal and work phones from XXXX stating that they would be freezing my bank account in the next XXXX hours. No specifics provided regarding source of alleged debt.
Consumer complaint received 2024-11-15
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. (CT)

I have about XXXX accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances than what they really are. I have a couple accounts for building that do not show up on the credit agencies and I also paid off aI have about XXXX accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances then what they really are. I have a couple accounts for building credit that do not show up on the credit agencies and I also paid off a truck loan Over XXXX months ago and still a negative mark and Ive had XXXX inquiries somehow that I never did
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Consumer complaint received 2016-07-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit claims to have offered a payment plan which requires an amount due of around XXXX a month, this offer was never received but am interested in taking advantage of it. I do not have offer details as again, they were not received. However, there are several fraudulent orders from an XXXX which need to be resolved first. These orders run into the thousands and were placed by a relative with a very similar name, XXXX XXXX. My full legal name is XXXX XXXX XXXX, he was able to successfully place these orders as the name as well as address matched. If Paypal Credit is willing to work out a settlement and accept a payment plan of XXXX a month then I will gladly make payment.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.