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

I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

i opened an account with XXXX XXXX in XX/XX/XXXX and the account was closed on XX/XX/XXXX.This is a negative account that has been on my report for 9yrs now.I ordered my report on XX/XX/XXXX.I received on or about XX/XX/XXXX.As i was reveiwing my report, it appears that this account has been re-aged.The ( DOFD ) " date of first deliquency '' shows XX/XX/XXXX when in fact the original first delinquency is XX/XX/XXXX.I do have supporting documents and a complete payment history on this account from XXXX XXXX supporting this fact.Under the per FCRA, this is a very serious violation.My EXPERIAN report DOES NOT state when this item will be removed XXXX
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (IL)

I received a letter from XXXX XXXX indicating that an account application had been submitted in my name and they require more information to open the account. This is a fraudulent application therefore I contacted XXXX right away to stop the application process. They confirmed that there was a hard credit check and that I would need to reach out to the bureaus to have it removed. The bureaus indicated that I needed to file a report with the FTC and CFPB to get the process started in getting this fraudulent hard credit inquiry removed from my credit files. I have attached the letter I received from XXXX to inform me of the account application that was when I discovered the fraud. What other steps can I take to avoid this in the future or to prosecute the person ( s ) responsible?
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank ( WFB ). I scheduled my mortgage payment like I do every month. I find today that two mortgage payments have been debited to my checking account and an additional one ( for 3 total ) is pending. I only authorized one payment from online bill pay at WFB from my checking account. I keep my balance at checking balance at WFB at XXXX dollar over my mortgage amount of {$1100.00}. When I talked to the banking side of WFB they said one came from bill pay and one from an auto-pay on the mortgage side. WFB bank side transfers me to WFB mortgage side. WFB mortgage claims one payment was from their bill pay service ( which is the one I authorized ), one was entered online on their mortgage site ( I did not do thsi and am unaware that this could/can be done ). WFB mortgage also claims there is no auto=pay which the WFB baking side said was there and show no pending payment ( see atatched screen shot image ). The problem is that the second payment caused an overdraft transfer from my credit card with WFB. If the third pending also hits it will generate another overdraft. This seems to be more of the shady business practices of WFB. Although I have not seen any fees associated with these over draft transfer yet I suspect I will. At any rate it seems WFB has no idea what one hand or the other is doing and just pulls explanations out of thin air. They should at least consult on what lie there going to tell a customer. I never, NEVER use auto-pay on anything. WFB can see that I have been making my mortgage payment using their bill pay service and that I keep {$100.00} in the checking account. Can you rattle their cage please?
Consumer complaint received 2015-09-11
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.
Consumer complaint received 2015-08-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.
Consumer complaint received 2021-01-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

SPS Servicing refusing an additional 6-month forbearance per CARES Act guidelines even though my mortgage is held by XXXX XXXX, as recently as XX/XX/XXXX. This is my third complaint on this matter. Refer to Complaints XX/XX/XXXX ( CFPB XXXX ) and XX/XX/XXXX ( CFPB XXXX ). Principal balance : {$26000.00} Nothing in my credit history indicates me as a credit risk. No late payments or non-payment on mortgage during the time periods with SPS or XXXX before them and few on XXXX  XXXX XXXX before them ( when in XXXX I missed payments and requested an adjustment, which became a re-finance ). Thats 20 years of good payment. There is nothing in my history to indicate that I am not a good payer of my debts. 

In XXXX, I asked for a payment deferral by SPS and that was done ( It was not the first forbearance as Ms. XXXX XXXX XXXX XXXX stated on Tuesday, XX/XX/XXXX. I requested a formal 6-month forbearance provided by the CARES Act in XXXX and was eventually accepted ( with a lot of effort ). At that time, there was no mention that my account was not subsidized by XXXX XXXX. In fact, XXXX XXXX does hold that and if default happens, they guarantee the loan. So, XXXX XXXX is the investor they keep talking about. 

I made the 2nd forbearance request early. I started in XX/XX/XXXX and was told by Ms. XXXX that it was too early. I made again in XX/XX/XXXX and then again the first of XX/XX/XXXX. In the interim, SPS set up a Loan Modification to forestall my getting another 6-month forbearance as I had requested. 

Therefore, I am asking again that my request for the 6-month forbearance extension by SPS be honored and initiated for XX/XX/XXXX to XX/XX/XXXX during this time of extreme hardship for me. I think they have all the information to honor this request including the telephone call script with Ms. XXXX on Monday, XXXX XXXX, XXXX. 

My request to CFPB is that instead of just passing letters back and forth that you really read the information I have provided and intercede on my half and enforce and protect. It is not my wish to start making late payments at XXXX, nearly XXXX years old.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NJ)

I have tried to retrieve my credit report from Experian online. I am unable. I am requested to write in for it. I tried to call to find out why but I can not find a number to actually speak with someone. I finally received my report and have tried to file a dispute and again I am being asked to send in for a credit report which I already have. I have not had the problem with XXXX and XXXX, only Experian. Any assistance would be appreciated.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (CA)

I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (FL)

I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. 

I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. 

I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. 

Thank You,
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

In XX/XX/XXXX my wife and I took out a {$20000.00} loan with XXXX XXXX. Sometime later XXXX took over the loan, then XXXX switched to Ditech. my {$20000.00}, XXXX year loan was up last month. According to Ditech still oweing {$15000.00}. we have paid almost {$52000.00} in XXXX years, at XXXX % interest. In XX/XX/XXXX we had to claim bankruptcy, Ditech does n't even acknowledge it. It 's plain to see the math will never add up! We were also forced to use their insurance, and they also had a escrow account of {$470.00} that was disbursed but to who or what we do n't know. I know I 'm XXXX of many complaints you have received. What am I to do? This is a mobile home fixed loan
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OK)

In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX