davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We contacted the mortgage servicing company when the loan was a couple of months in default, where we requested to make payment and the company refused to take the partial default payment at the time. We then applied for a modification and was declined. 

Over the past couple of months, we have been in contact with the mortgage company and repeated requests for a modification to be told no. Recently, the servicing company had a representative come to the residence to confirm that the house was still occupied. In the many communications with the mortgage company, they were told each time that we are living in the residence and do not plan to move as our goal is to prevent foreclosure and set up an arrangement. The reason for the default was due to unpaid services for work performed. At the time of the modification application, my spouse 's income was steady. Now, there is a reduction of income. However, when we attempted to reapply for the modification, it was not reviewed but automatically declined. 

In XXXXXXXX XXXX  and again today the servicing company had a representative come to our home to confirm that the address was occupied and he gave personal information to a third party who has nothing to do with the loan or residence. The representative handed the third party a door hanger that stated among other things that " This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. ''
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my US credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my US credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) Capital One Auto Finance XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft 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 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 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 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
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (VT)

" XXXX XXXX '' called from XXXX, VT from the number XXXX telling me " a scheduled delivery of service for tracking number XXXX XXXX you can expect my arrival today between XXXX and XXXX to the XXXX XXXX address to obtain signature on the documents. If you or your representing attorney do have any questions, or need to reschedule, contact the filing firm directly at XXXX '' I called back to the original number ( XXXX ) and she asked for the tracking number and then transferred me to a man. This man went through telling me that a civil lawsuit would be brought against me and the delivery is the serving of the papers indicating this lawsuit against me. He told me it was in regards to a US Airways Mastercard i had over 10 years ago and that I owed about $ XXXX and I had refused to make payments or to make contact with the credit company. He asked for my email to send a document ( which I still have not opened ) in which I could enter my information and " update my payment information '', and if I sent this back to them signed by the end of the work day, they would accept payment of only 50 % of what I originally owed ( about $ XXXX ). However, he said, if I did not complete this while on the phone with him, the civil lawsuit against me would go through and I would be taken to court. The email they sent the document from is XXXX XXXX XXXX I hung up on him after he sent the email. I have taken no action with them other than writing this complaint. I do not remember the name he gave me for his name nor the name of the arbitration company he claimed to be from. It was something with HR... 
He did know my current and most recent address, and he read my social security number to me without me offering any information to him. They clearly have too much of my information, so I'm concerned about identity theft now as well. 
Thank you
Consumer complaint received 2024-02-14
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: Credit Corp Solutions Inc. (GA)

Around XXXX XXXX, Credit Corp Solution bought a debt account from XXXX XXXX and without any proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX  XXXX Without any real proof of verification or validation of this debt, XXXX allowed Credit Corp to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with Credit Corp Solutions so how can you insert this account on my credit report ( sounds like this is identity theft )
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/year> {$3900.00}
Consumer complaint received 2024-06-01
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. (FL)

On XX/XX/year> the following accounts were disputed per USC 1681B and XXXX XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Please have accounts removed immediately
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

A payment that did not arrive on time and because they robbed my bank account and I could not pay that month on time, I called them to give me more time and they made that payment late and that account is paid in full without any late payment I have already spoken many times and they don't give me a solution
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-18
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. (NY)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (TN)

XXXX, XXXX, and Equifax all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX used XXXX to transfer {$750.00} from my checking account at Wells Fargo to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using XXXX and again from my checking account at W.F. Wells Fargo debited my account, but XXXX did not transfer the funds to XXXX XXXX. When I check the transactions online in my W.F. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that XXXX has frozen the funds. At this point, the funds have been frozen for over three days. 

I called Wells Fargo FOUR TIMES today ( XXXX ; the online dept. ) to try to get this problem fixed, and got absolutely nothing accomplished! Two of the calls didnt even get past their IVR. On my second call, I talked to XXXX XXXX in XXXX, TX, but she refused to answer my question about why the funds were frozen. When I asked to speak with a supervisor, she disconnected the call. On my fourth call, I got an XXXX in the XXXX. I told her I wanted to speak with a supervisor in the U.S. She didnt connect me with a supervisor, but connected me with their second level support. I spoke with XXXX XXXX in Virginia. She also refused to explain why my funds were frozen, and kept trying to blame XXXX and/or the receiving financial institution ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA ) . She refused to do anything to fix the problem. When I asked to speak to her supervisor, or to give me the phone number for problem resolution at XXXX, she refused both requests and hung up on me!
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (OH)

lam not reliable for this debt from XXXX XXXX. I didn't not sign any documents stating that i will pay {$730.00} to CAVALRY PORTFOLIO SERVICE. They did not provide me with the original contract ad requested.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC (GA)

I received a call from XXXX twice on XX/XX/year>. Once at XXXX and again at XXXX. The first call I received, I answered and the rep stated his supervisor wanted to speak with me. He stated he was from Orion Capital and that's all he said. Once the female supervisor got on the line, she asked me to verify the last four digits of my social in order for her to explain why she was calling me. I told her it is not safe for me to give my personal info over the phone. Finally after 4 minutes of her going round and round about she has to verify info before explaining why she was calling, I told her I was at work and I can't go in circles while at work. She finally said this was ridiculous and hung up. 
At XXXX, I received a call from XXXX at my place of employment from the same supervisor. 
It is against the law for these types of tactics.
Consumer complaint received 2023-03-25
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax had the wrong social security number on my account. Which show me having credit cards Im not aware off. After showing proof of my real social, equifax didnt take the accounts off related to the old wrong social security number. So I disputed, equifax said they proof that those was my accounts. So I called all the account and they all said they have nothing with my name or social security number attach to it. I gave the company the other social and they said it someone else. So I disputed again and seen that most inquiries were taking off and maybe 1 account. Equifax have done nothing to help me. He keep saying these accounts belong to me and the companies saying now. The other two credit companys XXXX and XXXX does not have these accounts. Please help me
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NC)

I had an open credit card with commenity bank ( zales account ). Someone accessed my account and made a XXXX $ payment from my personal banking account. They requested two credit limit increases. One was approved. I have contacted them multiple times and so has the detective that I am working with. We are attempting to get the IP address of the person who accessed the account. The username and password were changed on XXXX ( I think ) the second request for an increase was sent on XXXX. We were told to mail a request to the address they provided on letterhead and that they would send us the information. It has been a couple months now with no response from them.
Consumer complaint received 2024-07-15
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX and Account number # XXXX have 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 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (NJ)

I have been with Robinhood for a while now and few months ago I transferred funds from my 401K into my Robinhood spending accounts than later send money from my Robinhood spending account to a family member. Due to that, Robinhood closed my account and since then they havent released my remaining funds thats in my account. I contacted them several times and theyre not releasing my funds.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

Hi, I've contacted XXXX XXXX times and requested them to submit a reimbursement request to Zelle for the following below. XXXX  has noted that I need to contact Zelle directly. I contacted Zelle directly multiple times and they told me I have to go through XXXX since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (MS)

In XXXX of 2023, I transferred a balance of {$15000.00} to USBank at an advertised interest rate of 0 % for 13 months. I paid a fee of {$590.00} to transfer this balance. In XXXX of 2023, I received my statement that showed a balance of {$17000.00} which included the balance transfer of {$15000.00} plus new purchases of {$1400.00}. I paid {$3300.00} to cover my new purchases plus a portion of the balance transfer. In XXXX of 2024, I received a bill for {$17000.00} which included {$3300.00} in new purchases and a balance of {$13000.00} on the balance transfer, plus {$31.00} in interest. I called and asked why I was being charged interest if I had paid all my new purchases plus a portion of the balance transfer the month before. The representative did not understand why I was changed interest and reversed the charge. I then paid {$4600.00} which covered all my new purchases plus a portion of the transferred balance. In XXXX, I received a statement for {$13000.00} which included {$1100.00} in new charges, {$12000.00} on the balance transfer plus interest of {$58.00}. When I called to ask once again why I was being charged interest, I was told it was because I was continuing to use the card and they were charging interest on new charges made after the statement date but before I make the payment. She told me that I simply didn't understand the terms of the offer. I feel this is a very deceptive practice. I have paid all of the new charges each month as well as extra to reduce the balance transfer. I was not given an option or any indication that I needed to pay more, or a way to apply the payment toward new purchases to avoid interest.