davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

I have an old account with equifax, I don't have the password so I want to create a new password so I can freeze credit, after trying online and failing ( it was on their part ) I was directed to call, after waiting 15 min to talk to a real person I was told they can't help me and was directed to try online again or call, this is day two of trying to no avail how can I freeze my credit if they won't help!
Consumer complaint received 2024-08-18
Product: Credit 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 (NC)

In preparation for the cooking class, which was to occur on XX/XX/XXXX, on XX/XX/XXXX, while in XXXX, XXXX XXXX accessed her account to find out the cooking class was cancelled. XXXX along with my sister, XXXX XXXX, contacted XXXX to inquire why the class was cancelled and notification was never provided. A call was placed with the host of the cooking class the call went unanswered. 
On XX/XX/XXXX, I opened another dispute with Cap One XXXX, disputing the cooking class charge for {$1200.00}. Cap One requested I submit supporting documentation before XX/XX/XXXX. This request was made via an online letter, I never received a physical letter, and I missed the request. I received an email on XX/XX/XXXX, that they would close the dispute. On XX/XX/XXXX, I called Cap One, I explained that I did not receive notice of the request. I went on to explain the situation and that we did not receive a cancellation notice or a cancellation number. The representative told me to send what I had for further review. This was completed on XX/XX/XXXX. 
On XX/XX/XXXX, I placed another call to XXXX XXXX. After speaking to the representative, I was told that the picture and the email I sent was not accepted. I was then instructed to submit a Progressive Letter ( I dont know what that is, nor could she tell me ) and that I needed a cancellation number. I explained I do not have a cancellation number and again she told me to send what I had. Additionally, I explained that both of my excursions were purchased through viator and I had to dispute XXXX  charges with my credit card company because XXXX has been unresponsive. 
Communication via email, between my travel agent ( on my behalf ) and XXXX have occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Most recently, I received a letter from XXXX indicating that a chargeback has been submitted for this transaction and once submitted, all correspondence regarding further action or resolution will be escalated to the XXXX XXXX. XXXX confused as to why the delay in my refund when XXXX has record this excursion was cancelled by the host, not me. 
I am being held responsible for the cost and interest of an expenditure that never happened, and not at my doing. This is causing me tremendous angst and panic attacks to get resolved.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I hope this message finds you well. I am writing to formally request the reopening of my Capital One XXXX card account, which was recently closed. 

Unfortunately, my account was closed following a returned payment, despite my bank account having sufficient funds to cover the transaction. I have contacted customer support and was assured that everything should have proceeded without issue. However, the account was closed, and I have been unable to resolve the matter through previous communications. 

I kindly ask that you review the circumstances surrounding the closure of my account and take the necessary steps to reinstate it. Attached are copies of relevant documents and correspondence related to this issue for your reference.
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CBA of GA, Inc. (GA)

I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (VA)

OMG - AFTER SUBMIITTING SUBMIITTING MY REQUEST TO HAVE THIS ESCROW ATTCOUNT REMOVED ON OR ABOUT XX/XX/XXXX. THAT THEY JUST MADE ON XX/XX/XXXX, XXXX A {$15000.00} TO NOW LEAVE ME WITH A NEGATIVE ESCROW BALANCE OF $ XXXX TO MY INSURNCE COMPANY AFTER I HAVE PROVIDED MUTLTIPLE PROOFS THAT - I AM FURIOUS AND THIS IS UNBELIABLE BEHAVIOR ON BY THIS COMPANY - JUST 3 DAY DAYS AGO I REFVIEWED MY ACCOUNT AND HAD A POSITVE BALANCE - THEY DID ALL THIS AFTER I HONORABLY SUBMITTTED TO HAVE MY ESCROW -- -- THIS BEHAVIOR IS OUTRAGEOUS!! THIS WAS ALL DONE AFTER I SUBMITTED A REQUEST TO DISCOUNTINUE THEIR ESCROW ACCRUAL ON MY ACCOUNT- THIS IS INTENTIONAL AND DEVIOUS. " PLEASE NOT I STARTED TYPING THIS NOTE BELOW AND JUST CHECKED MY ACCOUNT TO FIND THEY MADE A PAYMENT AFTER RECEIVING MY NOTICE TO DISCONTINUE - I AM FLAT OUT ANGRY- THIS IS DISHONEST AND INTENTIONAL -- -- I have met every criteria to have Selene Finance no longer collect escrow from me for my mortgage account. Selene Finance is collecting double the amount that is necessary. I now have more than {$4000.00} in escrow and my XXXX XXXX XXXX is being paid directly by me. Further, the more than {$2000.00} a month they are collecting for escrow is needed for my own household for myself and XXXX boys. I got a letter in response to them stating the process may take 30 days to review. I find this completely unnecessary as I have met all criteria to have Selene Finance stop collecting escrow from me. It is absurd! I am demanding an immediately action to reduce my monthly mortgage payment to just principal and interest, and allow me the homeowner to better manage my monthly household expenses myself with more than {$2000.00} that I will put towards providing for my XXXX boys. Thank you. XXXX XXXX XXXX. PLEASE SEE ATTACHED SELENE FINANCE LETTER ILLUSTRATING I HAVE MET VERY CRITERIA.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

XXXX XXXX has put me into collections for a bill i never owed. I informed them that I did not owe the debt however they placed it into collections for the sum of {$220.00}. The debt has bounced throughout multiple collection agencies and each time it does my credit takes a hit.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

You have failed to provide me with proper documentation to prove that this account in fact belongs to me. Billing statements do not suffice as proper validation, and you have refused to send me anything proving that I entered into an agreement with this company. I demand this collection be deleted from my credit report as it is a direct violation of my consumer rights under the Fair Debt Collection Practices Act. I have already turned this matter over to my states attorney general, and Im prepared to seek litigation for monetary damages. 


Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Consumer complaint received 2023-10-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00}, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On Sunday morning XX/XX/XXXX, i did a {$75.00} cash app transaction ; however I noticed cash app took the directly from my bank ( XXXX XXXX XXXX XXXX XXXX ). On Monday morning I XXXX  cash app support and called XXXX XXXX for support and spoke with a man named XXXX XXXX he then asked me to login to XXXX and if I knew someone who uses cash app to make 3 transactions ( {$780.00}, {$780.00}, {$790.00} ) and the money would be returned to my account asap! he said he needed to check cash app transmission to ensure it was working properly. After completing the transaction I said ok return my money ; he started stammering for words, he needed to check the cash app system and call me right back, he hung up, I immediately called my bank to make a fraudulent report. My bank to me to call XXXX XXXX and report it to cash app, I did and they said the money trail ended at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I told cash app to investigate with that bank and return my money. After days of back and forth with cash app they always told me the same thing ; your dispute has been closed and they would hang up the phone with no reason as to why it was closed, when fraudulent activity was certainly evident!!!!!
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX requested a Debt Validation letter from Capital One ( partial account # XXXX ), in XXXX of XXXX -I received an Account Statement, which is insufficient to validate a debt -I told Capital One to Cease and Desist all Contact and Communications, as it pertains to this alleged Debt -This account was Charged Off, and Closed by XXXX of XXXX, and has continually Communicated and reported negative to all of the Credit Bureaus and Agencies -This is a direct violation of 15 USC 1692c ; their illegal actions have caused me great hardships and unnecessary struggles
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/XXXX I received a letter from the court house stating a default judgement was decided against me by the XXXX XXXX. 

I had contacted this debt collector in timely response in XXXX when I received a letter stating I owed $ XXXX to them. 

Upon contacting the debt collector the original account was assigned to an address I have never lived at and was for a creditor ( XXXX ) which I have never once had any form of account with. 

The lady on the phone did nothing to help further a resolution to this she simply asked for my current address and said they would mail me some documents and follow up with a call. None of which had happened. 

They continued, despite my dispute and request for more info, to continue a legal suit without my knowledge. They then humiliated me by filing the court case in public records, and defamed me and my credit for a debt which is in no way shape or form my responsibility. They have never gave me more info and have ignored me just to steal roll a judgement through the courts without my knowledge.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I received an email Tuesday, XX/XX/XXXX, XXXX stating : MOHELA recently sent you a bill for a XX/XX/2023 due date. Please note that you are not due for this payment. Payments on federal student loans resume in XX/XX/2023. If you have not made a payment for the bill, please disregard the bill. You are not due for a XX/XX/2023 payment. 

If you made a payment, you can request that we refund it back to you or apply it toward your XXXX bill. The quickest way to submit your request is to log in and submit a Secure Message on mohela.com. 

We apologize for any confusion this may have caused. If you have any other questions or concerns, please dont hesitate to contact us. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have sent multiple messages about this before, but no response, after one month. I call MOHELA and wait for a representative for hours on end, only to be disconnected each time, in the end. 

I would like the {$370.00} I paid in XXXX toward what I believed would be a mandatory XXXX bill, posted toward my XXXX bill, or another future bill. My XXXX bill was already taken out, due to Auto-Debit payments.
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

XXXX XXXX  I opened futile attempts in at least 3 attempts to have Citibank to correct the dispute amount for services not received, Citibank has Personal knowledge that I spend Time and Money for the same Services I ended up paying a 2nd Merchant to do properly the service I needed. 
Now I'm receiving by mail an Attempt to collect the Amount I Fully legally Disputed, I'm returning the mail Stating " The Account has been closed previously due to the Incompetency of Citibank to resolve my dispute, even its last letter they stated has been resolved, what they resolved? Nothing. 
I'm including its last letter and the copy of the mail received stated to return to sender. 
If Citibank Persists with this collection attempts and/or report the amount disputed to the credit Bureaus, I'll initiate a legal action in Court against Citibank.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I arranged my monthly balance payment for my Sam 's Credit Card in XX/XX/2023 and the payment never processed on their end and they never notified me until I couldn't use the card to pay for a merchant. 
I contacted me and told me it was still processing. The card was charged a late fee. I was told it processed and now they are telling me it was scheduled until XXXX even though I submitted it twice. I can not make payments through their system or their customer service.
Consumer complaint received 2015-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (AP)

From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.
Consumer complaint received 2024-08-19
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-19
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. (NJ)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX