davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (NY)

I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

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 I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CT)

I am a single XXXX XXXX mother of XXXX children and have fallenbehind on my first mortgage payments to the XXXX XXXX XXXX XXXX XXXX, Trustee. My loan is serviced by Shellpoint Mortgage Servicing. I haveapplied for a loan modification and have supplied all the necessarydocuments, in some cases several times. I do n't believe that I ambeing treated fairly or that my information is being properly considered. 
I would like your help in get a loan modification so that I can save myhome.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (ID)

Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (AR)

The law office of Linebarger Goggan Blair and XXXX call my residence looking for XXXX XXXX XXXX. I am not that person. 

I received a letter on XXXX from them addresses to my son. I returned it with the following print " Return to sender ; not at this address. 

On XXXX, they called and left a message on my residence phone. I returned the call and spoke to " XXXX ''. I asked her to remove my name from their call list. She agreed. 

On XXXX, I received an automated call from the law firm. I returned the call and spoke to " XXXX ''. I asked her to discontinue their collection efforts to my telephone number.
Consumer complaint received 2015-06-29
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX I applied for a $ XXXX home equity loan with Capital One ( " Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on XX/XX/XXXX, by the rep., XXXX XXXX, handling my loan application that he needed a Release/Satisfaction of Mortgage from XXXX XXXX. I was surprised because XXXX XXXX ( original mortgage in XX/XX/XXXX and refinanced with them in XX/XX/XXXX ) sold my mortgage to XXXX XXXX XXXX XXXX, who merged then merged XXXX XXXX XXXX XXXX who then merged with XXXX XXXX XXXX. On the same day, I went online to the XXXX County Clerk 's website, my home is located in XXXX County, and was able to pull down, for expediency, an unofficial copy of the Satisfaction of Mortgage from XXXX XXXX XXXX ( " XXXX XXXX '' ). I faxed the document to XXXX. Attached is an official copy of the Satisfaction of Mortgage received XXXX XXXX. XXXX led me to believe that if the document evidenced the transfer, in his exact words " ... will work '' To my deterimnant, I relied on his words and informed my architect to continue working on the plans which resulted in an additional cost to me of {$750.00}. I discovered, on XX/XX/XXXX, while checking Capital 's website and no replies from XXXX or his manager that my loan was denied. There was no reason provided on the site. There was a phone number XXXX provided to call with any questions which I did. I spoke with a rep, # XXXX, he said that the loan had to be completed within a certain amount of days or it will be closed and that a Satisfaction of Mortgage was required. I asked to speak with XXXX 's manager, XXXX, and was told she was in a meeting and would get back to me on the same day. Needless to say, she has never contacted me. To add insult to injury, when I arrived home, I received i the mail from my homeowner 's insurance company that Captial had already designated themselves as the XXXX mortgagee on my policy. I believe that my loan was improperly handled and incorrectly denied. Neither XXXX or his manager appear to be of any assistance in correcting this error. Instead, they choose to ignore a client.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one auto has been reporting incorrect information on my credit report sense XXXX of 2016 and still until this day it is still reporting repossession and account is closed yet and still I have been paying the car payment every month until this day and I went to by a home and because of what they are reporting costed the lender to reject my loan after it was pre-approved can I sue capital one for damages.
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Block, Inc. (NJ)

I worked on a customers house in XXXX of XXXX. The customer summitted his credit card and said Square charged his card, but Square never released the funds into my bank account. They said there was a dispute and it was resolved in my favor. Square never paid me the amount they said I should receive. At this point Square refuses to discuss the issue with me. They do not respond to my phone calls or emails. The amount in question is {$4600.00}. I have gone after the customer, He says it is out of his hands. Square will not release my money.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear XXXX, XXXX, & Experian Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The person serving this Affidavit of Service ( XXXX XXXX ) committed fraud by reporting that this subpoena was served to me. 

This subpoena, resulted in a default judgment against me for {$34000.00} in the Supreme Court in XXXX County, XXXX, NY XXXX. 

I was never notified regarding this subpoena or the judgment. 

XXXX XXXX swore to a Notary Public that he legally delivered this Affidavit of Service to me. There are at least XXXX illegal statements on this subpoena. 

Now I have a Income Execution that was sent to my employer demanding the deduction of {$250.00} a month from my income.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My car was repossessed at XXXX on XXXX XXXX, 2015. I was explained that I had 21 days to redeem the vehicle. I paid the bank the past due amount today but they have shipped my car to auction in XXXX XXXX, XXXX hours from where I live. Now my husband and I have to miss an entire day of work to pick up the car.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advance Bureau of Collections (GA)

Advance Collection Agency accepted an invalid claim for rent overpayment from XXXX XXXX XXXX ( XXXX ) and did not provide me with valid verification of the claim. In XXXX, 2014, XXXX XXXX XXXX informed me that the check issued to me on XXXX XXXX, 2014, for Housing Assistance Payment ( HAP ) was an overpayment and that I had 10 days to repay {$590.00} or the debt would be sent to collections. The letter did not acknowledge XXXX own letter of XXXX XXXX, 2014, ( attached ) which verifies that my contract was valid on XXXX XXXX, 2014 and would remain in effect until XXXX XXXX, 2014. There was no overpayment because at the time the last payment was made, the property was still under contract. Five months later ( After I had sold the property and no longer maintained an address in XXXX XXXX, XXXX sends a fabricated ledger statement with false dates to Advance Collection. Advance Collection did not investigate the claim and when I had a lawyer to call Advance Collection, there was some indication that the same staff member at Advance also worked for XXXX XXXX XXXX. I disputed the claim immediately, writing to XXXX XXXX, the Regional Director at HUD, and finally the Commissioners for XXXX and copied the last letter to Advance. Again, with no investigation or response acknowledging my dispute, Advance Collections placed a negative report on my credit report. I attach XXXX documents to show that XXXX claim for overpayment on XXXX XXXX, 2014, is not valid because the contract was not cancelled until XXXX XXXX, 2014. The second is to Advance Collections to inform them that the HUD regional office had suggested I contact the XXXX Commissioners about the dispute. The debt is not valid. The collection agency did not provide me with authentic and accurate verification of the debt and I was initially told by telephone that the amount was for repairs that I had not paid for. I am requesting that the negative report be removed, that relationship between Advance Collection and XXXX XXXX XXXX be investigated and that Advance Collections be reprimanded for its practices.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

The bank sent me an email stating they had detected " no card present '' fraudulent activity on my account via my new chip technology ATM/Debit card, which I very seldom use, and that they had declined the transactions until receiving verification from me as to whether the transactions had been attempted by me, or someone else 's. Please see attached. When I replied it was not me, a customer service representative called me immediately and instructed me to destroy the card, which I did. The representative proceeded to tell me they were opening an investigation and would issue temporary credit to my account, but they later told me they were denying the claim for fraudulent activity and would not be reimbursing the monies. I closed my account yesterday, after having been on the phone at the branch, because the branch manager told me there was nothing they could do at the branch, and that, like me, the only recourse they had was to go through the Claims Department, which only handles everything via telephone. PLEASE HELP. Chase is stealing approximately {$700.00} from me, saying that since I have an on-line account, I should have noticed the fraudulent activity and reported it immediately, and that I should call the authorities if I was n't happy with Chase Claims Department 'd decision to not reimburse me. 
XXXX XXXX XXXX - Cell XXXXXXXXXXXX
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (VA)

Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed.
Consumer complaint received 2023-04-07
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. (FL)

Yesterday, I printed the attached most recent data from Equifax for my XXXX XXXX XXXX ( XXXX  ) account which continues to inaccurately report my XXXX account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my XXXX report to this date continues to report my account as OPEN. For Equifax, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, Equifax and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached XXXX letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!
Consumer complaint received 2015-12-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Green Trust Cash, LLC (NJ)

I believe the shared processing network and database that XXXX XXXX companies use has been hacked or threatened with a Bot and thousands of customers may be affected. 

I applied for a XXXX XXXX XXXX about 3-5 years ago. 

Two weeks ago, I received an email telling me " my '' application had been received from and I need to click a link to verify it. I figured it was a scam, so I ignored it. A few days later, I received a followup email telling me the application has been processed. I called the company and explained that I had not applied for a loan. They asked me to verify my info and I discovered the application contained my name, previous address, drivers license #, DOB, and SSN. I submitted a report to FTC and added a fraud alert to my credit report. I also submitted a police report. I called the cash advance company back to ask for the banking info associated with the applicaton in hopes of getting a name of the thief from the bank, but they would not release it. 

This morning, I received another email from a different cash advance company - same thing, asking me to click the link to verify the info. I hoped the webpage would show banking info. I clicked the link and it did include banking info - my old banking routing number and account number!!! 

This leads me to believe that there is n't a single person submitting an application under my name, but it 's possible that the shared application processing network these companies use may have been hacked with malware or a Bot and the Bot is processing XXXX applications for XXXX customers in their database using the stored info the customers initially submitted years ago when a legitimate application was filed. 

The name of the first XXXX XXXX company was Green Trust Cash. 

The email I received today was from XXXX XXXX Now. The number is XXXX. They closed the application and put a fraud alert on it. 

However, I think there should be some type of public announcement to previous customers because inquiries are being made on our credit reports. 

Please contact me with a resolution. 

*In the next section, I provided my old address, which is the address on the cash advance applications. 

**I could only submit XXXX company name in the next section, but there are XXXX. See above for the XXXX company name.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am a Successor - in -interest to a property located in XXXX XXXX California XXXX The mortgage on this property is currently in default primarily because of the lender 's inability to renegotiate with me. I have received notification that there is going to be a foreclosure on it. I have since been contacting the Lender to reinstate the delinquent lien, but or no one wants to talk with me. I will be put on hold for a long time, and when someone eventually comes to talk, it is the same, they will find a reason not to work anything out with me. It is frustrating and I think that they want to find a way to sell this property from under me.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank had an account of mine still open after I closed it 5 years ago in a branch. 
Its an account thats had NO money in or out of it for 5 years plus. I opened the account when I was XXXX and my Mother was placed on the account so I could open it. My mother had outstanding credit card dept that was never mentioned to me, and she wasnt contacted correctly due to address change. Somehow since my mother is on that account with me the dept collectors attacked my closed account for over {$11000.00} that has NOTHING to do with me. XXXXapital One did not close my account when I asked them to/ went into the branch 5 years ago. 
This has caused a huge mess for me and still shows negative {$11000.00} plus in my account that hasnt been used for forever.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant 's identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.