davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX {$100.00} Account number XXXX Hard Inquires : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion as they said that an account that I allegedly had with XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXXwas been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act as they have refused to provide ''There method Of Verification '' or delete XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX from my credit report. I am submitting receipts from the post office showing that Transunion got my request but failed to act on it
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : On or around XX/XX/2021, I purchased two tickets to see XXXX XXXX performed at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, XXXX I used my Capital One XXXX branded credit card to make this purchase. Shortly thereafter I attempted to dispute this charge online because tickets were never issued for the concert. I thought that I might have fallen victim to a fraudulent website that was either a ticket reseller, or a fake company altogether. CapitalOne issued a provisional credit. 

I should also mention that I attempted to complete a written dispute through CapitalOnes system, but the automated fraud-handling questionnaire instructed me to call CapitalOne revolving this dispute. Its my understanding that disputes that are phoned-in do not give consumers the same protection as written disputes ; however CapitalOne guided me to make a dispute over the phone. 

On or around XX/XX/XXXX, Capital One reversed the provisional credit, but never alerted me they had deemed my dispute invalid. I received no notification whatsoever. After an extensive search, I am confident I never received a phone call, an account alert, an email, or physical letter. 

On or around XX/XX/2021, additional travel restrictions were put in place requiring Americans traveling to XXXX to quarantine for an additional 2 days due to the Omicron variant. This effectively cancelled my trip to XXXX. 

I am escalating this dispute, because its my understanding that CapitalOne did not follow all requirements as outlined by the Fair Credit Billing Act. Furthermore, CapitalOnes actions could be considered an UDAAP violation, as they never alerted me as to why my dispute was rejected. 

I am requesting the CFPB compel CapitalOne to issue a charge-back to the merchant ( XXXX XXXX XXXX XXXX and refund the cost of the tickets, which comes to {$130.00}. I would also like an explanation as to why the provisional credit was reversed without any accompanying verbal or written communications to me. Its my understanding that communication is required by law. 

Thanks and regards, XXXX XXXX
Consumer complaint received 2021-10-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

On XXXX, I sent in, via fax, a credit withdrawal request form to get {$10000.00} from my line of credit, to Champion Mortgage. My loan number is XXXX. The next day, XXXX, I called to verify receipt and processing of my request and they said they had no receipt of it. I told them that it had been faxed and the fax transmission sent report showed it went thru to the fax line successfully. In the past I have had trouble getting funds every time as they always seem to have some hoop I have to jump thru to get my funds. 
Sometimes they say the fax didn't come thru properly or it was not readable. But my end showed it was sent successfully. 
In the past they have told me when I call in to verify receipt of my request, they say it only takes a few hours for them to be able to verify receipt of the request for funds. 

Then, other times they say it takes up to 2 to 3 days for them to be able to verify that they received my request for funds. Just today, when I called to see if they had my request for funds, and they said that they had no receipt of my fund request, they said that now they require I have to be subject to a call from them sometime after they receive my request, for them to verify if I did indeed sent in the request for funds. So, it now seems that someone with a reverse mortgage serviced by them, has to have a phone in order to receive funds. A supervisor told me this morning that if I am no't home or didn't answer the phone, and after they leave a message asking for a call back, then they would deny the credit draw request. 

I don't recall seeing any such requirement in my HUD reverse mortgage loan. 

Last time I made a request on XX/XX/XXXX of this year, they were giving all of this same kind of run around and hassle, saying that my fax was not readable ( in spite of it showing successfully ) and I'd have to send in another one. I asked why can't I sent it in via an email, as in the past, and they said they discontinued that practice. But, after some complaining and speaking to a supervisor, they got approval for me to send to a higher level supervisor via email and he approved it and started the process for it to be sent to my bank account, as has been way I get my funds. 

So, you can see, that it is always some form of added measures or steps, that I have to comply with to get funds from my HECM loan. They state they are a debt collector and it shows in that they love to harass and make things difficult, on purpose. They seem to always want to stall the process of receiving funds via a reverse mortgage loan.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MD)

I purchased gift cards called " XXXX & XXXX ''. One was purchased at XXXX XXXX on XX/XX/XXXX The other at XXXX on12/18/2021. Each card had {$25.00} on it. The website on the back o the cards is XXXX but this is the corporation : Blackhawk Network California , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX On XX/XX/XXXX I tried to use the cards at XXXX XXXX XXXX in XXXX CO and both cards were declined. The next morning, I went to the website to check the balance and the link for the balance check did not work. I tried XXXX different computers. So I then called the number on the card. First I verified that there was {$25.00} on each card which there was. Then I spoke to a customer service agent. I recorded the call, as they disclose that calls may be recorded. They looked up the card and saw the declined transaction. The agent said it was declined because the purchase was greater than the amount on the card. I replied that every gift card I have ever used, ( whether it was purchased or given as a store credit ) will apply the amount of the gift card and then if there is still a balance, have that paid by another form of payment. She informed me that these have to be run like credit cards and that it does not permit you to " split the payment ''. I replied so I have to spend exactly {$25.00} to use this card or spend less and then leave money on the card that I will not be able to get off of the card unless I then spend that exact amount? She said yes. I stated that credit cards do not work that way. I own a business, I take credit cards and I can apply an amount to a card and then get a separate form of payment. She again said that the cards do not allow to " split the payment '' I replied then don't tell me it works like a credit card because you can split a payment with a credit card. I then asked her to tell me where it disclosed to consumers either on the gift card jacket or on the website that payments can not be split and that it has to be used for the exact amount or under the value of the card. She states that is says it has to be run like a credit card. I repeated my questions because that was not an answer. She did not have an answer. I asked her if she realized that these cards do not work like a gift card or a credit card and people can not get their money off of it in the way that is implied by calling it a " gift card ''. I asked her if she realized that this is a nationwide problem with people using these cards and she got very quiet and said yes. I then thanked her for her time and ended the call.
Consumer complaint received 2016-07-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. 
XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all XXXX bureaus about my credit report having so many unauthorized items on it. I have contacted Experian, XXXX and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX  XXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at Experian, XXXX and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

I hope this is the right place to file this complaint. A fraudulent line of credit was opened in my name with Citizens One. I have contacted them and submitted a fraud packet. I've been trying to get a hold of their fraud department for over a week and no one is responding. The message says to leave a name and number and they will respond within 1 business day. I've tried the original number I contacted but they said once the packet is submitted, it needs to go through the fraud department and they don't have any other number than what was provided. 

It's been a month since this all started and took almost 3 weeks for Citizens to send me an email with a packet to fill out an send in. Now they don't answer calls. I'm at a loss for where to go next to get them to take action as I seem to be in a void of no one being able to help and no one responding.
Consumer complaint received 2022-01-09
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. (MD)

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents/ ID as it contains my full complaint and request. 

Attached you will see 2 FTC Identity Theft Reports as XXXX XXXX XXXX is reporting the same account across Equifax and XXXX but with two different account numbers.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (FL)

I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on Equifax report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

XXXX sent a closed phone account to IC on XXXX and XXXX for the amount of {$810.00}. The account has been previously disputed on XXXX due to inaccurate information and the amount due. The original XXXX account was opened without my knowledge. Upon communication with XXXX, they believed IC Systems would be responsible for forgiving the debt and account. It was placed for collection XX/XX/2019 and the collection account was disputed through IC systems, XXXX, and XXXX. I have not received any information to verify that it is my account, the amount owed is accurate and that I have ownership of the account.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Purchase an item on XXXX  XX/XX/XXXX for {$240.00}. XX/XX/XXXX i disuputed the charge becuase XXXX shows the item delievered not to my address. 

XX/XX/XXXX i recieved a charback of {$240.00} for the same item. 

XX/XX/XXXX i recieved another {$240.00} chargeback XX/XX/XXXX i called to tell them about the chargebacks and was given a credit of {$240.00} I also intructed that that i never received correspondance about my dispute. They were suppose to follow up with the dispute and haven heard anything in months. I called today XX/XX/21 and i was instructed they will be doijg another dispute. 

Under federal law i the consumer should be protected and corresponse on outcome or progress. 

I am not the only victim here and i hope everyone else use a different payment method than paypal credit/synchrony bank.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

I opened a new account with Citi Bank ( XXXX XXXX  card ) and made a balance transfer at the time of opening. They mailed a card but it never arrived. I called and verified my address and they mailed a second card which also never arrived. When I called again I spent over three hours on the phone with customer service being transferred back and forth between departments ( general customer service, account specialists and fraud department ). Each new agent asked questions to verify my identity and then placed me on hold only to return and transfer me. I was able to gather that the account had been closed 'by accident ' by one of their reps and that there was some issue with my social security number. I was told by several reps that the account could not be reopened and by several others that they would reinstate it. I was told by several reps that I had a XXXX  balance and several others reported the full balance ( from the original balance transfer ). I was told by most of the reps that there was a mismatch of social security numbers and by two or three that it did match. One rep ( early in the call ) read it back to me incorrectly, with one digit being wrong so I am assuming he entered it wrong causing the issue. Nobody I spoke to would answer any of my questions about what was going on, what the problem was, why they kept transferring me or what I could do to resolve the issue. They just kept transferring and verifying despite me telling them what was going on and asking them not to. At a certain point they exceeded the number of identity verifications they were allowed in a day and told me to call back in two days to continue this fun adventure. That's it. No further explanation. They said they were not allowed to discuss it with me even as I tried to explain that the problem was caused by a rep.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing placed a collection on my credit file, after my debt validation letter response to the original collection notice received via mail. The letter sent on XX/XX/2021 clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/2021, with a letter notifying them of their non response and their responsibility to comply with the law regarding collections. Convergent Outsourcing is now in violation of the FDCPA rules.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

{$230.00} was skimmed off my Visa Gift Card by XXXX XXXX. I called Visa ( XXXX ) and reported it. They directed me to a company Blackhawk Network to resolve it. I called the company three times regarding the theft ; it seemed to be a call center in XXXX. They notified me on XX/XX/XXXX that my case was resolved and that I would get the money refunded on a new card. As of XX/XX/XXXX, I have not received the card.