davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Diversified Consultants, Inc. (ND)

i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

-- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- CAPITAL ONE has committed securities fraud, CAPITAL ONE has discriminated against me by denying me a right against the XXXX, CAPITAL ONE has willfully and voluntary chosen to report deceptive adverse information on my consumer reputation about an alleged debt owed to arose out of a Finance Charge were All Sums where included and satisfaction was made upon application, CAPITL ONE has charged off a debt and has not returned to me dollar for dollar in the amount of the charged of debt and is in violation under 26 USC 6050P, CAPITAL ONE has charged off a debt INCORECTLY reporting it as a debt owed when under IRS definitions charged off debt is should be reported as income there for reporting false, deceptive and incorrect information on my consumer report against 15 USC 1681e ( b ) and 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681a ( 2 ) ( b ) and 15 USC 1681b and 15 USC 6802-3-4-6-9. CAPITAL ONE has charged of a debt as a business loss for tax benefits and has failed to file and send to me a IRS Form 1099C there for committing tax fraud which will be reported to the IRS via a 3949a and 211 Form. CAPITAL ONE you have caused me massive and immense damage financially and personally and have caused me to be discouraged and lose faith in the banking system. I am tired of dealing with this matter with you and im seeking a resolution between you and I one last time in Good Faith.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (GA)

XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.
Consumer complaint received 2022-06-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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 a account without my written instructions
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I filed a claim with my bank Wells Fargo for withdrawals from my account totaling {$3500.00}. These withdrawals were from a site called XXXX, " whom I had contacted once I noticed these transactions and they said they couldn't do anything about it and that I had to contact my bank. So I did. Around XX/XX/2022, my phone was stolen which contained not only banking passwords but passwords for everything like social media accounts, cryptocurrency accounts, emails, etc. I didnt think twice about the passwords or any of that information I figured they wouldnt be able to get into my phone and find the passwords but they did and these transactions from XXXX XXXX XX/XX/XXXX - XX/XX/XXXX were not made by me. I finally noticed on XX/XX/XXXX because the transactions were so close together and just that day alone there was over {$1000.00} in transactions and my bank never contacted me once to confirm they were from me. I didn't hear back about my claim until XX/XX/2022. Wells Fargo denied my claim and when I called they said it was denied because the merchant stated that these transactions were real and that Wells Fargo believes these transactions were from me. They said there was nothing I could do but contact the merchant I tried contacting XXXX again but they said there is nothing they can do. I filed a claim with the cfpb but nothing was done. I let this situation go figuring I'll just take the loss but after talking to family friends who are lawyers they said I should file another claim with the cfpb so that is what I am doing. I hope something will get done about it this time.
Consumer complaint received 2023-07-15
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. (WI)

Dear Sir/Madam, I am writing this letter to file a formal complaint against the XXXX major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report. 

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act. 

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation. 

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted via mail and a complaint with Consumer Finance that my credit score decreased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not applied for any new credit, there are no late payments or collections. My credit activities have been consistent over the last few years. I requested research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately. 

Please note, I also requested the same research with XXXX and XXXX. Both XXXX and XXXX have corrected my credit score. I also check my credit score daily online with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX However, TransUnion sent me a generic letter that said if you want your credit score it will cost you {$9.00}, ( sigh ) I tried calling TransUnion but they couldn't help me over the phone. 

This low credit score is affecting my financial state, as I'm looking for a home to retire but I can't because of TransUnion error in reporting an inaccurate credit score. They haven't even attempted to do the research.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

We have two different problems. 
The first problem is that our mortgage company changed hands in the beginning of us dealing with losing our home in Hurricane Irma. Because our old mortgage company had already put us in forebearance for XXXX, XXXX and XXXX our new mortgage company accepted those terms. We would like to pay our account up to date but despite numerous phone calls to them asking them to remove fees on our account that are bogus so we can pay up to date they have done nothing. On XXXX XXXX? our account is charged 10 times each a fee of {$1.00} and {$9.00}. When you click on details for this fee there are none. No one knows what those fees are for. We are not supposed to be charged any fees while going through forebearance and refuse to pay our account up to date until our account is fixed. 

The second problem is that our new mortgage company was sent checks from our insurance company for repairs to our home. They were overpaid by over {$13000.00}. By law they are supposed to send that overage to me. I was told this by a person in Loss Draft handling our account, our insurance company says they have cashed the check but 3 weeks later they still owe us {$7500.00} acknowledging that in a phone call but having no reason as to why they havent sent it even though I was told it would be sent by XXXX XXXX immediately. Also their insurance claim website says that we are supposed to receive 25 % of our check to help start repairs which is around {$12000.00} and so far have only received a little over {$2000.00}. We had an inspection where the inspector verified that at least 75 % of our work has been done and the inspection was approved but we still have not received funds to pay our builders, etc. I have been having to put these charges on my credit card and cant keep doing this. Something illegal is going on in this company with them keeping our money. 

On the mortgage side no one bothers to fix our account so we can get it up to date so I dont know if they are trying to do something illegal and maybe get a hold of our house since we only owe {$47000.00} for it and it 's worth {$370000.00}. I 'm not sure if this company is on the up and up. We went through damage with Hurricane Mathew too and got the best customer service from XXXX XXXX and have no idea why I mortgage changed hands unfortunately to a very bad company and possibly illegal and dishonest company. I have contacted an attorney who first told me to file with you.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key.  Yhis is very frustrating and I want it to end.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CO)

I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.
Consumer complaint received 2017-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.
Consumer complaint received 2017-12-28
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. (TX)

cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police report
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I have gone through the online process three times since Equifax launched the page offering consumers Identity Theft protection as a result of THEIR breach and have yet to receive the activation email. 

I have also called Equifax twice and was told twice that they would call XXXX to request they send me email including calling them today to get bounced to three different people and the last guy I was transferred to kept asking me over and over and over again what site I was using to enroll after telling him over and over and over again that I was going through Equifax 's home page. 

Clearly Equifax has not resolved the issues with getting this matter resolved so consumers can sign up for Identity theft protection for the breach in their systems and since my credit score with Equifax is XXXX!. according to XXXX XXXX, there is  no doubt some sort of fraud on my Equifax Credit report because I have no legitimate accounts there are negative or unpaid, and yet NO WAY To ACCESS my Equifax Credit Report because they have n't sent me the bloody activation email and the customer service reps answering the phones clearly have no clue what they 're doing either.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This debt collector is trying to collect a false debt, which was a result of identity theft and the official company removed the debt from my credit report. But my report is now damaged from an invalid debt trying to be collect which was already removed and deleted from my report. The account was deleted on XX/XX/2022 but a debt collectors is claiming false debt now in XXXX which is damaging my report
Consumer complaint received 2022-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Turning Point Solutions LLC (MI)

I received a phone call from someone claiming to be from Advanced Capital Solutions claiming I owe a debt. They sent me an email stating how much I allegedly owe, but the information that was in the email did not advise me of my right to dispute the debt. Furthermore, the address and phone number provided does not match what is on the company 's website. When I googled the address a strip mall with a pizza place came up. Additionally, the phone number can not be found with XXXX. 

The phone number provided in the email is XXXX, but this is not the number they called from.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On the XXXX I recieved a payment in Bitcoin from XXXX I immediatly recieved the payment including an email from Coinbase saying I will be able to use the funds after 6 confirms. 

I 've been waiting 1 month now to be able to use the money. 

Today EXACTLY 1 month after recieving the bitcoin payment it suddenly DISSAPEARED of my coinbase wallet ( transaction list ) So I basically got scammed by Coinbase the company.