davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I fell behind on my payments t o Capital one and  my card became restricted. On  XXXX   XXXX  I contacted their online customer service and entered an agreement with them that if I mad e 3 payments on time, and got the balance below my credit limit my card would become unrestricted. I met my obligations with 3 on t ime payment in  XXXX ,  XXXX , and  XXXX  and I actually paid my balance down by half.     Unfortunately, my card is still restricted. I contacted  Capital One to  ask them who and they are now claiming that our agreement did n't begin until  XXXX   XXXX  so I have to make  one m ore payment. When I informed them that was not the agreement and asked for a copy of the transcriptions from  XXXX , they stated they are n't able to access those. To which I asked .. '' So you can enter agreements with customers but not keep a copy of the agreement? ''. When speaking to multiple managers about the situation, they all say they have no control over the account becoming unrestricted that it is purely a " computer thing ''. I asked again there is not a single person in your company who can override and incorrect date, and again the answer was no.     So here I am having met and exceeded my end of the contract an d Capital One  has not upheld their end stating that the agreement was n't valid until  XXXX . I am frustrated that there is no accountablity for them not following through on their actions and the fact that all the supervisors say there is absolutely NO way to help me.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX   XXXX  will not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Consumer complaint received 2017-05-10
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. (SC)

Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

Comenity Capital Bank have continued to call me blocking their number and I have continuously asked them to stop calling and they will call and the calls are a few minutes apart every hour. The last time I answered the call the person did not verify who he was speaking with and then proceeded to ask if I had an attorney in regards to my bills for the cards I have with them. The calls have been everyday. Each card is for a different amount.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services is reporting on my credit report "  XXXX  ''. I have contacted this company to ask them to show proof that I entered into an agreement with the original creditor  XXXX   XXXX  Bank. After numerous attempts , Resugent Capital Services h as yet to provide any binding documents or any documents with my signature agreeing to terms. There has to be a legal binding contract which they have not produced. So how can they authenticate this account if I am asking them to authenticate this by the original agreement, or contract? They have sent statements, all computer generated with no signatures and they sent a random agreement once again with no signatures. How can they possibly hold me responsible without any legal binding documents showing the terms of our agreement? Showing I agreed and we entered into an contract?
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DE)

As a point of reference today is  XXXX . I recently wrote a  XXXX  $ check for a friends wedding and post dated it  XXXX  because I would not have fund in my account until my employer paid me on that date. However, I woke up with an alert saying that my account was overdrawn by  XXXX  $ ( Inclusive of an  XXXX  $ overdraft fee ). So naturally I looked at my bank statement and saw that my check dated  XXXX  was cashed and is the reason for the overdraft. When my banks support function opened this morning I gave them a call and they said that it does n't matter when you date your check, if the recipient deposits it they will release funds. At that point, it was clear the bank was n't going to do anything so I hung up and came to the CFPB.
Consumer complaint received 2017-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP ()

I asked CFPB ( complaint # XXXX to investigate the reason and to require remedy to their making my account, which was a Union Bank account , accessible. 
You say that USBank has responded. 
You give no evidence of response. 
Since merging Union Bank into USBank I, and probably many expats, have no access to their accounts. 
CFPB has only copied my last two complaints rather than take any action. 
It is derelict by definition of it's charter and purpose. 
I need access to my bank account. I live in XXXX. I need something with authority to represent my circumstances and provide remedy!
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XX/XX/XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare XXXX and Capital 1 both clinging to 120 days to report fraud. I wouldn't have known at that point.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CA)

I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back )
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AR)

pay pal put a block on my checking account due to a dispute filed over a year ago I was never notified of this block I would make payments all payments were reversed paypal would put the same account number in after speaking with them about situation. samething happened reversed I opened another checking accout solving my problem tried to make my payment they closed my account
Consumer complaint received 2024-08-08
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. (CT)

Please remove fraudulent and hard inquiries off my credit file from XXXX, Trans Union and XXXX immediately. 

XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (CA)

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, has violated my rights. on my Experian credit report ran XX/XX/2023 shows a late payment from XXXX  XXXX for XX/XX/2023. I reached out to XXXX  XXXX directly and ask as of goodwill to please remove the late payment. 
Which I received a letter back saying they are unable to change their reporting on a courtesy basis. 

I submitted a CFPB Complaint XX/XX/2023 requesting for the late fee to be removed. Experian respond back saying their records indicated that the accounts mentioned are showing up as an open and current account with no late payments reporting. 

That is incorrect as my report does in fact show a late payment for XX/XX/2023. Per my credit report Experian removed the late fee XX/XX/2023 but the late fee was later put back on my credit report. Which current the late fee for XX/XX/2023 is now showing on my report. 

Based on law. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.