davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to access a website to convert my Capital One points that has taken me few years to collect, to XXXX XXXX ( XXXX ). To access this reward site, there is a 2 Step Verification step that fails to send me a text to verify my number. It gives an error and there is no alternative way, such as a call back or email for verification. 
It is the exact issue mentioned in this article : " Broken Capital One XXXX Locking Up Points '' https : XXXX Many people have been having the same problem for months and it has not been addressed. 
I have contacted Capital One but were told that there is not much they can do and I should just wait! 
I have had my phone number for years and I have had this Capital One credit card for several years. I have not had this problem before. Looks like their new verification system is denying access to some people with no solution!
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (NJ)

My original mortgage with XXXX XXXX Bank # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

From XX/XX/XXXXXXXX  to XX/XX/XXXX XXXX XXXX It is reported that I have 4 hard inquiries due to applying for a Capital One bank USA and I have no knowledge on that. I tried to dispute these inquiries due to fraud but no action was taken.
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from amex seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe. 

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and amex is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.
Consumer complaint received 2024-04-18
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (UT)

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint on my own behalf to resolve a matter concerning incorrect personal information and unauthorized inquiries on my credit report. This information is not associated with me, and I urgently request the removal of this fraudulent data.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

My funds were deposited into a virtual currency stock, yet I found myself unable to execute trades due to a potential software glitch on Robinhood. Consequently, my funds were locked in, preventing me from selling. Despite my repeated attempts to reach out to Robinhood via the in-app chat and email, I received no response. After approximately 40 minutes of frustration, I was finally able to trade the funds, albeit incurring a net loss due to the delayed action. Had I been able to trade instantly, as expected, I would not have experienced this loss.

Therefore, I am lodging a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Robinhood. Should the company fail to provide a satisfactory resolution, I intend to pursue legal action. 

Below is a detailed timeline of the incident : XX/XX/year>, XXXX XXXX : Placed a buy order for {$20000.00} worth of stock. 
Between XXXX XXXX and XXXX XXXX : Made numerous email requests and in-app chat requests to Robinhood for assistance. The order remained in a pending status, and I was unable to execute trades despite having purchased the stock. I possess video and photo evidence supporting this claim. 
XX/XX/year>, XXXX XXXX : Finally managed to execute a trade, resulting in a significant loss of {$700.00}. 

As a consumer of the Robinhood app, I am entitled to immediate access to the funds in my portfolio, as per Robinhood 's terms of service. Denying me this right not only constitutes a breach of contract but also resulted in heightened stress and had a detrimental impact on my mental well-being during the 40-minute period of restriction. This is an unjust and direct violation of my rights as a user.

I demand prompt action from Robinhood to address the {$700.00} loss incurred as a result of this ordeal.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (CA)

I am submitting this complaint to dispute the correctness of specific information within my credit report. Enclosed, you will find the necessary documents highlighting the disputed items. It is imperative that the inaccuracies or omissions I've identified be rectified or eliminated. 
To substantiate my claim, I have included copies of my driver 's license, utility bill, and XXXX XXXX XXXX. I urge you to promptly investigate these matters as they are negatively impacting my financial situation and causing distress in other areas as well. Your swift attention to this issue is greatly appreciated. 
Thank you for your prompt assistance. 
XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to dispute the handling of my credit account information as reported by your company to the major credit bureaus. It has come to my attention that there are inaccuracies in the reporting, and it appears that Midland Credit Management may not have properly verified this information, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I have the right to challenge any incomplete or inaccurate information in my credit report, and your company is required to conduct a proper investigation upon receiving my dispute. 

Furthermore, the FCRA requires that any entity reporting to the credit bureaus must ensure that the information they submit is accurate, complete, and verifiable. If your company can not verify the debt, then it should not be reported, as stipulated under FCRA, Section 623 ( a ) ( 1 ) ( A ). 

I formally request that Midland Credit Management provides me with the documentation that verifies the debt in question, including the original contract bearing my signature, the ledger showing the creation of the debt, and any documents that demonstrate transfer of ownership of the debt to Midland Credit Management.
Consumer complaint received 2024-03-27
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. (IL)

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 Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
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. (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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX I was sent a collections letter from XXXX XXXX XXXX stating I owed over {$10000.00} to Bank of America for a credit card opened in XXXX of XXXX. I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in 10 years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by Bank of America because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from Bank of America saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of identity theft.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

I had a XXXX alarm rep stop by my business in XXXX. In which I signed up for. 1 year later XXXX hit and I contacted XXXX to cancel service as my business was closing. XXXX cancelled my account over the phone and I never heard from them again. Today XX/XX/XXXX I receive a text message from a debt collector called zions debt holdings llc stating I owe {$1800.00} or they are reporting to the credit agencies. I spoke with XXXX and they stated the debt is valid. I called XXXX and they stated they cant speak on the account as it was sold to a company called landmark. 
I called XXXX back and they stated they bought this debt from landmark which is no longer in business. I have perfect credit and never been late on any of my bills. This seems like a scam and needs to be stopped. XXXX states I signed a 4 year contract with XXXX, however when I called them in XXXX the guy on the phone understood and said my account was cancelled.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Arivo Acceptance, LLC (AZ)

Bought the car and shortly after went on medical leave. Worked with one of the reps through out XXXX XXXX XXXX. 
Complied with my payment arrangements and even paid more that the arrangement. 
During the leave I was transparent on income and worked out the payment. Talked to XXXX XXXX at XXXX and set arrangements. Unbelievably after dealing with all these reps finally go back to work and make another double payment per their instructions and promise my car would not be at risk, and the next day it gets repossessed. Shocking to speak to who claimed to be a team lead XXXX ; if I may add has no business in that position let alone speaking to clients. ARIVO is a subprime lender so when loans are issued is knowing that the consumer is trying to rebuild their credit but most importantly their life. This individual XXXX had no sympathy, human connection let alone time. I had just made a payment to put me only 1 payment due and was ready to pay current. I hope that your calls are recorded cause he never asked anything just replied with arrogance that would not be giving the car back. Its beyond me that ARIVO would allow an employee to humiliate, disrespect and belittle their customers. I never refused to pay, I was just in a bad situation where it was either eating or paying. I paid and still got my vehicle repossessed still exposed my self to humiliation, sarcasm, discrimination and worse arrogance. My vehicle was my only method of transportation, my daughter has a XXXX illness not to mention we had just had a baby. So disappointing that ARIVO Finance hires people like XXXX that instead of wanting to keep their business takes it upon himself to make poor judgement decisions.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (FL)

I bought a truck on XX/XX/XXXX and the payments are $ XXXX with an 18.24 % interest rate. The lender has not reported anything to the credit agencies. I'm trying to rebuild credit and want to refinance but they have not reported to any agencies. When I called on XX/XX/XXXX they told me they would do an investigation as to why it wasn't and send me a letter explaining and to expect to see it on my credit report within XX/XX/XXXX days. I called again on XX/XX/XXXX and got the same response, no action has been taken. This should have been reported as soon as the loan was opened but 9 months later it still hasn't been.
Consumer complaint received 2023-10-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

WE HAVE A 30 YEARS FIXED VA LOAN MY HUSBAND IS A VETERAN XXXX 'S ELDERLY XXXX XXXX HIS SPOUSE ELDERLY 100 % XXXX .CARRINGTON MORTGAGE SERVICES IS SERVICING THE LOAN HAVE NOT APPLIED XXXX MORTGAGES PAYMENTS MADE XXXX, XXXX AND XX/XX/XXXX THEY HAVEN'T PLACED BACK IN OUR 'S ESCROW ACCOUNT {$4600.00} ILLEGALLY AS NOT AUTHORIZED OR EVEN DUE IN XXXX XXXX THIS AMOUNT IS MISSING FROM OUR 'S ESCROW ACCOUNT CARRINGTON NEVER SENT THE REQUESTED DOCUMENTS ESCROW ANALYS, MONTHLY MORTGAGE STATEMENTS HAVE REFUSED TO LET US REPAYING XXXX 10 MONTHS FORBERANCE DIVIDED IN XXXX OR 16 MONTHS THEY REPORTED A FALSE LOAN BALANCE OF $ {$590000.00} TO ALL CREDITS BUREAU 'S THEY REPORTED US ILLEGALLY XXXX OUR 'S CREDITS WITH THE XXXX BUREAU 'S XXXX XXXX AND XX/XX/XXXX FALSELY XX/XX/XXXX WE PAID {$4500.00} TO STARTING PAYING OUR 'S MORTGAGES THE MONEY 'S DISAPPEARED THEY ARE REFUSING TO REIMBUSED US {$1000.00} FOR A REFUND CHECK ISSUED BY CARRINGTON TO XXXX XXXX XX/XX/XXXX MAILED TO US XX/XX/XXXX XXXX CAN NOT BE CASHED. BECAUSE EXPIRED THEY CHARGED XXXX WITH LATE CHARGES ILLEGALKY UNDER THE VA XXXX XXXX AND XXXX XXXX XXXX ILLEGALLY LATE UNDER THE COVID XXXX EMERGENGY LAWS THEY NEVER MAILED XXXX OUR 'S MONTHLY MORTGAGES STATEMENTS WE HAVE ONLY 2 MONTHLY STATEMENTS LATE FEES LATE CHARGES ALL KIND OF UNFAIR ABUSES AND ILLEGALITIES WE ARE SUFFERING AND HAVE SUFFERED ILLEGALLY NOW BY PHONE THEY TOLD XXXX THAT THE XXXX TRIAL PAYMENT 'S NEVER REQUESTED OF {$5000.00} HAVE BEEN CANCELLED THEY NEVER REPLIES OR SENT ANY LEGAL INFORMATIONS REQUESTED ALL THE REQUESTED ESCROW ANALYSIS RECORDS THE PAID PROPERTY TAXES RECORDS THEY TOLD XXXX THAT THEY WANTED ILLEGALLY MODIFIED OUR 'S LOAN WITH VA VETERANS INTERESTS FROM 2.875 % 30 YEARS FIXED LOAN TO 7.92 % predatory INTERESTS FOR A LOAN MODIFICATION NEVER REQUESTED WE WERE IN FORGIVNESS PROGRAM AND WE GOT APPROVED OUR 'S BALANCE OF 10 MONTHS FORBERANCE IS XXXX AND WE WANTED TO RESUMING OUR 'S MORTGAGE PAYMENT 'S IN FACT WE PAID XXXX XXXX {$4500.00} WE NEED HELP WE HAVE BEEN ABUSED I CALLED XXXX VA THEY GIVEN THE PERMISSION TO CARRINGTON MORTGAGE SERVICE TO INCREASED OURS VA XXXX XXXX POINT TO 3.875 % THEY ARE NOT REPLYING TO XXXX EMAILS WE NEED HELP ASAP!!!!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (NY)

I am refiling this complaint to CALIBER HOME LOANS, IN for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

FIRST FEDERAL CREDIT CONTROL Date opened XX/XX/2022 Balance {$1600.00} Status Collection account. {$1600.00} past due at this time i had medical insurance but somehow i got trap in them not processing this with my insurance which was XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX  I explained this to collections company and was threatened to be put in court or sued if not paid..