davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Finance of America Holdings LLC (TX)

PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP.
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from XXXX EST to XXXX EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before XXXX on the date it is due? This to me is extortion and should be illegal. If you run a national company you should be adapted to ALL the time zones..not the one your company happens to be headquartered in.
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OH)

This is in regards to my previous complaint with Discover Card and the following transactions ... 
XXXX/XXXX/16 XXXX {$700.00} XXXX/XXXX/16 XXXX XXXX XXXX {$380.00} XXXX/XXXX/16 XXXX {$4900.00} XXXX/XXXX/16 XXXX XXXX XXXX {$2000.00} XXXX/XXXX/16 XXXX {$2600.00} XXXX/XXXX/16 XXXX XXXX XXXX {$1200.00} XXXX/XXXX/16 XXXX {$730.00} I am NOT paying for these. They are NOT MINE! I have received nothing of value from any of these companies. You need to take a closer look at these. I contacted XXXX and they are adamant that they refunded the {$2600.00} on XXXX/XXXX/2016. Do your job correctly and contact them. I suspect if you contact the others, they will tell you the same. Even if they have n't issued refunds. I 'm supposed to be covered by your XXXX liability policy because the transactions ARE NOT MINE! This has gone on long enough and I 'm not going to be bullied into paying for something that I did not purchase. There 's also the {$6500.00} balance transfer that I did not make. My identity was stolen and you need to look at this again!
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. 
After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. 
I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. 
I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. 
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
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: EQUIFAX, INC. (OH)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My CapitalOne credit card says " XXXX day billing cycle '' when it is really only XXXX days. My billing cycle has always been XXXX days after XXXX of service. My end date for XX/XX/XXXX was on the XX/XX/XXXX, my next bill cycle should be through the XX/XX/XXXX but instead my bill is due on the XX/XX/XXXX. I called to explain that they have their dates incorrect but the woman ( was speaking to someone outside the XXXX ) kept talking in circles never admitting that my account is now being billed incorrectly. My APR is very high so it 's important that they stick to the consumer agreement of a " XXXX day billing cycle ''. Since this is a big bank and impossible to fight, I got nowhere with the call. Can you help me?
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (UT)

I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stuart-Lippman and Associates, Inc (NJ)

XXXX XXXX XXXX XXXX put an invalid Collection entry on all 3 Credit Report Bureaus on XX/XX/XXXX. Now this matter in which they are trying to collect for is being handled through XXXX. The Judge in this case that collection of monies owed will be collected by the State of New Jersey and that was assigned in XX/XX/XXXX. XXXX XXXX filed charges on me and everything being handled in court. I received a letter from this Collection agency and took it to my probation officer and they told me that XXXX was n't suppose to do this as they are the ones collecting the funds. I then in turn called and spoke to the rep that is handling my account and told her that this is being handled through the court system and that my Probation Officer stated that they should not had put this on my credit report. She told me they had that right as XXXX hired them and that they were n't going to remove it at all. She also stated that they have n't received a cent and wanted my contact info for the court and I gave her my probation officer. This is n't fair in any way I am paying my monthly allotment for this and they went and retained someone else to come after me and ruin my credit. This is already being handled. I will attach the same copies of the payments that are being made. I now have a criminal record and now they are also trying and have successfully ruined my credit.
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX  XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, My jobs are XXXX XXXX XXXX formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX  year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again. 
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much. 
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates (CA)

He identified himself as a lawyer from Wilson, Riley & Assoc. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed XXXX XXXX {$310.00} but I never had a loan with XXXX XXXX. The payment arrangement he would make today was {$180.00} to consider the case closed or three payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
Consumer complaint received 2016-02-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.
Consumer complaint received 2016-02-16
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc. (MA)

This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Last year, I switched banks to Santander Bank because they were advertising the Extra XXXX checking in which they credited your savings account {$20.00} per month if you met certain activity requirements on the attached checking account. In radio ads, they clearly implied and stated it was not a limited time perk, but " forever ''. I again asked this when I opened the account and was told it would not be changed. In an XXXX XXXX letter I was informed they would be changing my checking account to a simply right checking effective XXXX XXXX, 2016. So now the {$240.00} per year perk has been eliminated. I feel this was an unfair and deceptive practice because I was clearly lead to believe this was n't going to be changed or a bait and switch tactic - which it clearly was for me and the thousands of other people who believed them.