davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2018 While checking my credit report, I found a Capitol One card  on XXXX that does not belong to me. The following is from the credit report : CAPITAL ONE BANK USA Account # XXXX Original Creditor - Company Sold - Account Type Revolving or Option Date Opened XX/XX/2018 Account Status Open Payment Status Pays account as agreed Status Updated XX/XX/2018 Usage 93 % Balance {$9200.00} Balance Updated XX/XX/2018 Credit Limit {$10000.00} Monthly Payment {$92.00} Past Due Amount - Highest Balance {$9200.00} Terms M Responsibility Authorized User Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I. Capitol One a. I called Capitol One. They do not have any active credit card with my SSN other than my valid XXXX account. 
b. They were not able to identify another account under my name. 
c. Capital One gave me the following credit bureau number to contact : i. XXXX  : ( XXXX ) XXXX II. XXXX a. XXXX put a fraud alert on my account through the automatic system. 
b. When I got a live person : i. XXXX was unable to help me with the account. The person I talked to only had the same information that was available on my credit report. 
ii. He gave me the XXXX Dispute phone number : ( XXXX  ) XXXX and a follow-up number : ( XXXX ) XXXX iii. When I called the Dispute phone number, the person would not give me the full account number ; however, the last 4 digits are XXXX. ( XXXX ) iv. XXXX  is submitting this as a fraud investigation. They will contact Capital One as part of the investigation. 
v. They will mail a copy of the investigation results within 30 days. 
vi. They suggested that I file a police or FTC report for this fraud.
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

My monthly payment on a XXXX Lexus XXXX is {$1900.00} a month. I did not notice that they used my income and also my Ex partner who was on my previous lease I had with them. Also, they had a market up on the car and I told them to please take that off. Right now I have been struggling to keep up with the payments and I asked a couple of times what can be done. They give me the usual options of trading the car which I cant because I am at least XXXX upside down on the car. They also said have dealer buy it back but it would still be the same situation with owing. What makes matters worse is the car I did a lemon lawsuit on it, and still has same issue but they don't want to take the car back. They have changed the fuel pump system twice, its been at the dealership over 5 times for that issue. Also, the front bumper is separating from the car. The shock absorber went out at XXXX miles.. They replaced the battery a couple months ago and it should have lasted longer.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

Everytime I go to bank my money had pending charges now they tell me don't use account to close for the weekend to close Monday of today and they still wouldn't close it., I want a new bank pnc is not the best. I have been hacked and fooled as well as card locked.
Consumer complaint received 2023-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Servicer Carrington Mortgage constantly gives Borrower a different company name claiming that they own my mortgage debt. On XX/XX/2023, Carrington claimed that XXXXXXXX XXXX  and Carrington are not the owner of my mortgage debt- it is XXXX. Carrington has been changing their claims of what company owns my mortgage debt to mislead and confuse me in order to force me to turn my property over to Carrington.
Consumer complaint received 2023-11-19
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

Tried to make a purchase using my Lowe 's credit card ( which contracts with Synchrony Bank for the credit card services ). The charge was declined ( {$1500.00} ), I had a XXXX balance with a line up to {$13000.00} so that was not an issue. Called up Synchrony bank, I was sent to their fraud department. Explained to them who I was, the Lowes salesman confirmed my identity with my drivers license. They tried to remove the loc, but they could not fix the problem ( operational risk problem ). Talked with Synchrony rep, she didn't know how to fix the problem, then talked with her manager she could not fix it, had salesman confirm identity, again they could not release the lock on my card. Ended up using another card for my purchase. Synchrony Bank compromised my character by declining the card, they also made Lowe 's look bad for making a good customer go through this. Lowe 's did give me a 5 % discount on my purchase for the stupidity ( operational and reputational risk problem ) of Synchrony bank doing this.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

I have called Mohela, my loan servicer, on 3 separate occasions after my loans were paid in full on XX/XX/23. I reached out to ask when the loans will be removed from my credit report. The representatives I spoke with all said they would call me back in a week after gathering more information however, I never received a call. 

I have been on hold for almost 4 hours with the loan servicer two out of three times. 

My credit score has taken a XXXX point hit since working with this loan servicer and has caused distress and confusion as payments on their website are not up to date. 

Please assist me with collecting an accurate timeline for when my loans, which have been paid in full since early XXXX, will be removed from my credit report.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

This case is XXXX MA Police report # XXXX. Please keep this email chain for your records. This was a rental scam of {$1700.00} via transactions on Venmo and failure to provide promised apartment ( fraud ). This has also been reported to the FTC. 

Transactions occurred over Venmo on XX/XX/XXXX and XXXX XXXX Venmo has refused to reimburse me or fully investigate this. My bank, XXXX XXXX, also refuses to reimburse me or conduct any investigation whatsoever.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (AL)

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.

The letters are stated with items and issues.

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 Sta
tes : 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 2023-12-06
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. (TN)

On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, we made a {$1300.00} payment into escrow and it was reversed. Then it shows up on XX/XX/XXXX they took {$520.00} of the {$1300.00} leaving us a balance of {$840.00}. We don't know where that money went. On XX/XX/XXXX they made an unauthorized payment of {$1500.00} and we were trying to pay {$520.00} into the escrow but that's what we were told we owed. In all actuality we didn't. So on XX/XX/XXXX they reversed the payment after my husband complained about them taking it without authorization and the money was returned to his account on XX/XX/XXXX. My husband then made another payment through a different bank account on XX/XX/XXXX for {$1500.00} and our bank says they have the money and it was received on XX/XX/XXXX and now it shows that the money was reversed to the account my husband closed because his account was hacked in their breach and he no longer has that account. So the money he sent on XX/XX/XXXX they say has been reversed and returned to a closed account in the amount of {$1500.00} which is our payment made on XX/XX/XXXX from a totally different account and they reversed that, which shows on our statement from them. They will not apply the money we have sent. We have been going back and forth and they are refusing to fix their mistake. My husband has never given them permission to just go into his account and take me, he always calls and pay it on the XXXX of every month. This has been a nightmare. It looks like we are behind because they want apply our payment.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC (CA)

Forest Recovery Services has filed a collection notice with the credit reporting bureaus that : ( a ) is beyond the statute of limitation in California- it is a debt owed from XXXX ( b ) falsely claimed in their reporting that the debt is owed from XXXX ( c ) reported an amount that is {$38000.00} more than the debt that had been owed ( d ) did not contact me prior to filing their collections notice ( e ) has caused me to lose more than 40 points of my hard earned credit score and thus not qualify for a home loan because of their illegal attempts to collect a debt no longer owed- thus damaging me financially and emotionally
Consumer complaint received 2024-04-15
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. (CA)

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report 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 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 As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

XX/XX/18 - company still shows payment due on online and automated phone system and has added a {$26.00} fee ( assuming late fee ) to my normal {$890.00} payment. The loan is PAID OFF! as of XX/XX/18. The system should reflect that there is NO PAYMENT due! I can not trust that your company will do the right thing and not report a 30 day late at the end of the month - even though my loan is paid off and there is nothing due. On XXXX.XXXX.18 in talking to XXXX # XXXX, I was informed that it could be 3 to 6 months for the system to update with no payment due! Are you kidding me? This is totally unacceptable! When a payment is made the amount due should immediately update - If credit card companies can figure out how to do this then surely Freedom Mortgage can figure it out! You are putting out incorrect information to your customers. I do not see how this can be acceptable to anyone! Seriously, this is a SIMPLE programming change.
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My complaint concerns disaster loss claims handled by FlagStar bank. My house suffered flood damage from Hurricane Harvey in XX/XX/XXXX ; we were awarded $ XXXX insurance claim to repair our house. As per protocol FlagStar has held the claim in escrow and has provided installment payments as the repair work is done throughout XXXX. 

In XX/XX/XXXX we were awarded and additional $ XXXX installment per completion of a property inspection ( per the inspection our property was 85 % complete at the time ). We sent the proper papers to receive our next installment but have heard no response from FlagStar. I have learned that the bank is undergoing a system change and is unable to handle ongoing claims in a timely manner so the processing of my claim has come to a screeching halt. It has been over a month and FlagStar has yet to act on processing my claim.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

I received a letter from Resurgent Capitol Services. This company stated that received their investigation from XXXX XXXX XXXX XXXX their findings were Verified and Accurate from what I'm taking this to be this debt collector response. I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the alleged debt and money that I do not owe. Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. I don't need to see itemize bills if it doesn't have my signature. Your threats to are invalid and once again you didn't proved me with any proof of how this information is valid please provide your findings of your validation to be verified. I DEMAND FOR VALIDATION PURSUANT 15 USC 1692gb. Your refusing to remove fraud off my credit report after Resurgent Capitol Services has been informed of this aggravated theft. If Resurgent Capitol Services continue to pursue this without proof I will seek legal matters for damages.
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We closed on our house sell in XXXX and haven't received our escrow balance back. Ive tried to call but because the loan is in the new owners name now they wouldn't tell me anything. They made me send a fax in for information but i still haven't gotten anything back.
Consumer complaint received 2023-12-06
Product: Credit reporting 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)

I AM A VICTIM OF THE XXXX SECURITY BREACH ON MULTIPLE OCCASIONS. 
I HAVE BEEN VILIFIED BY FINANCIAL INSTITUTIONS AND CREDITORS. THERE ARE MULTIPLE DAYS AND MULTIPLE ACCOUNTS IPEN UNDER MY NAME DUE TO THIS BREACH AND IT IS HINDERING MY RIGHTFUL QUALITY OF LIFE. 

I HAVE ATTACHED ALL NECESSARY DOCUMENTATION WITH DATES AND FINANCIAL AMOUNTS. PLEASE REFERENCE THEM FOR FURTHER INFORMATION.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp (TX)

Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America continues to offer through the mail, Money Saving Checks which may be used for any purchases or transferring balances from higher interest rate credit cards. These checks, generally there are 2 or 3 in each mailing, offer promotional rates as low as 0 % for a limited time. 
There is a one time transaction fee for using any of the checks. This is explained in the literature. 
However what is not explained, and it took me several phone calls and visits to the local branch before anyone could explain why i was being charged a fee each month. Admittedly only {$1.00} but nevertheless I suspect that there are many who are unknowingly paying the fee because unless the balance for new transactions is paid each month the fee would be embedded and lost. 
The fee, so I found out after much trouble, is interest on any new transactions. New transactions, whilst there is an outstanding balance on the initial check transaction. do not have any grace period. Even if all payments are being made on time. 
This zero grace period is not explained. Nowhere. Even the BofA staff did not know.