davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru.. By the time i had time to make the payment the payment was late even. They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2017-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (NY)

I changed my address and then my card was " frozen ''. I called to find out why and they told me to fax a " letter '' showing my intent to change the address. I have sent that fax multiple times and then on XX/XX/XXXX, I called and was told I needed to send bank statement and my ID to have the address changed. This was done and the company still says after sending this information three times, that they don't have it. Even when the fax transmission report for all three faxes shows " success ''. I want the " freeze '' removed, if not then I will no longer want this card and will not be paying the balance since I can not use the card and for the primary fact that by not getting my faxes or lifting the " freeze '' I believe this company to not be trustworthy with my personal information.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I cancelled a XXXX  annual membership within the first 30 days of trial membership. Since XX/XX/2022 Ive been disputing the monthly fee. In addition, due to frustration and unresponsive customer service I told them to cancel the credit card. That didnt happen and every month Im forced to follow up with an unanswered dispute.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Today, XX/XX/2022, I received an alert in my mobile banking app ( Capital One ) that I am unable to withdraw funds from my account and to call XXXX. When calling this numbers and going through necessary prompts, it directs me to customer protection resolution team. However, the only option I have is to leave a brief voicemail that contains my name, account info, and phone number. The recording then goes on to say that my message will be reviewed and IF NECESSARY, I would get a call back within 48 hours. Here I am trying to resolve whatever the issue is with my account ( an issue that I know nothing about ) and Im left with leaving a voicemail that apparently has not even been answered. My account does not have any suspicious transactions so Im clueless. I cant reach a live person because each call sends me to the same number. I have a small child and I need access to my money. Capital One has yet to reach out via call, email, or even through the app.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (CA)

XXXX XXXX. Keeps reporting to my credit report that I owe them money. I have been trying to remove them off my credit report for years. 

I cant stress this enough I am a victim of identity theft since 2017. A lot of accounts have been opened with my name and even unemployment has been opened using my name because of an on going case I cant get into details. But unfortunately XXXX  XXXX cant provide me with signatures or proof about the account as many times as I contact them. I would like to receive them and have them delete their account off my credit report
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-11-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

My home is financed under freedom mortgage loan number XXXX and it is a VA loan. 

I made a deal and contracted to have my loan assumed by another veteran. Freedom mortgage has consistently told me misleading information about the process, only handles processes via mail and delays the process and gives non-specific answers. They have also failed to contact me as required/promised on XXXX separate occasions, and I am now at risk of losing the home I am moving to and over {$2000.00}. Here is a breakdown of the activity : Called XXXX, XXXX, XXXX, and XXXX each time requested to begin assumption process, each time told to expect a call within a day or XXXX. No calls. I was advised on XXXX calls it takes a total of XXXX days to close and on XXXX call it takes XXXX days to close. To be safe I set a 60 day close date Each call I requested a number to discuss the packet and process with the assumptions department and was told they do not have a direct contact number or that they refuse to provide me a contact number or email address. I requested to speak to a supervisor on multiple calls and each time this was denied. I requested to speak to the mortgage assumption department and each time that was denied. 

Second call on the XXXX and I was told the request was expedited and to call back on the XXXX if I havent heard anything Called on the XXXX, and was told by a representative I would need to start the entire process over. 

Called again to request to speak to a supervisor on the XXXX, request wasnt processed and was told to continue waiting. 

Advised the bank that this is now going to cost me {$2000.00} in potential closing costs and I will be filing a complaint. An entirely new and different process was explained. 

I have made multiple attempts to discover what the process for my entitlement to an assumption is, and a point of contact, and all of them have been vague answers about processes, denial of points of contact, denials for transfers to supervisors or specific agents, and have been overall unhelpful.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION BUREAU INCORPORATED (ID)

On XX/XX/2018 I was served a summons to court because my wife and I were being sued my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX aka Collection Bureau , INC. ISB No. XXXX Case No.  XXXX. 

They are attempting to collect a debt on behalf of the City of XXXX Idaho fora utility bill in which I had no idea that I owed them. I have never received any form of communication from the city, or collection bureau neither oral or written. I did a transfer of service from XXXX to XXXX Idaho XX/XX/2018. I have since then paid all of my utility bills as well as all of my other bills, because I am a responsible person in ensuring a roof stays over my childrens heads. I called the City of XXXX on XX/XX/2018 to let them know I had no idea I owed them money and that I could pay them right now on the spot. They said that they sent notifications to my previous address even though I had moved out of that residence. So of course I did not know I owed them money, no phone calls no nothing. 
Nonetheless I offered to pay them ( XXXX ) what they say was owed in the amount of {$160.00}. The City of XXXX then told me that they have an agreement with Collection Bureau INC that once something has been turned over to them that they will not accept a payment from the consumer/residence/citizen.

I then called Collection Bureau INC same day on XXXX XXXX. They claim to have sent me a letter on XX/XX/2018 and since I failed to respond they decided to sue me. I absolutely did not receive such a letter, but since they did not get a returned letter they deemed it valid. 

Collection Bureau INC., now claims I owe them a total of {$630.00} deeming any all fees, interest charges, filing fees etc. etc. whatever they choose to make up out of thin air. I unknowingly owed the City of XXXX. I never received a chance to dispute a debt of XXXX dollars Collection bureau inc claims that I owe them.as I have the right to do so under the FDCPA statute of 15 USC 1692g Ive only discovered this by being summoned to court.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (VA)

This is XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I sent a checklist via US certified mail  requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 9 items were requested and only 2 items were provided. 

My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability. 

Any other intimate knowledge of the creation of the debt by you, the collection agency.
Consumer complaint received 2023-06-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX Account with balance incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Spring Oaks Capital, LLC (FL)

I called in for the collection agency to give me a debt validation letter and I was told it'll take30 days. I did that in XXXX. I called in again on XXXX and I was told they still haven't closed the dispute. I haven't received the letter yet and its the XX/XX/14. They also open a second dispute for no reason. I was told that they opened it to prolong the first dispute.
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I called PennyMac in XX/XX/XXXX about paying my XX/XX/XXXX mortgage payment late because of a family member issue with COVID-19. I ask to double my monthly payment including late fees with the XXXX XX/XX/XXXX payment. I was told " NO '', threatened by the customer service rep with PennyMac sending derogatory and negative credit information to all three credit bureaus. I paid my XXXX payment on XX/XX/XXXX which included the late fee and scheduled my normal monthly XX/XX/XXXX payment thru their automatic debit system. This mortgage company had no right to threaten to ruin my credit rating ; showed no compassion for me as a customer/consumer like all the other people currently going thru issues concerning COVID-19 throughout the XXXX. The consumer is dealing enough with anxiety ; fear ; frustration ; loss of jobs ; less money, and struggling to make ends meet during this pandemic. I can not believe that the government would allow creditors, merchants, and bill collecting agencies to profit by charging late fees ; making calls every week as PennyMac did to me while my payment was late in the form of telephonic harassment. My payment was due on the first and it is considered late on the XXXX of the month. PennyMac began to call me on the XXXX, and call every week thereafter, sometimes 2-3 times a day after the XXXX. My mortgage for XXXX was paid on the XXXX with late fees of {$32.00}. The circumstances of this pandemic should have given the average bill-paying consumer a chance to pay monthly what they owe without any extra charges of late fees and additional stresses. Government needs to monitor creditors of all kinds.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: ALL WESTERN MORTGAGE (CO)

In XXXX of XXXX I applied for a refinance mortgage with All Western Mortgage to take equity out of my investment property in order to purchase another investment property. I had just filed my XXXX Federal Income taxes and still owed {$35000.00} on them. All Western Mortgage required the XXXX taxes be paid so they took additional equity out in order to pay the XXXX taxes at closing. However, Allwestern gave XXXX XXXX ( title co ) the XXXX estimated tax vouchers to pay instead of having them pay the XXXX taxes. Now the IRS had penalized me an additional {$4800.00} and the threat of having a tax lien put on my property since the mortgage company told the title company to pay the wrong taxes. I reached out to the title company who sent me the chain of emails stating the mortgage co told them to pay the XXXX estimated vouchers. 
I have reached out to XXXX XXXX from All Western Mortgage, with the letter from the IRS asking for All Western Mortgage to pay the {$4800.00} in penalties and late fees for them not paying the correct taxes.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (CA)

I need Discover XXXX to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

On or about XX/XX/2021, I applied with Network Capital financing Corp. for refinancing my property at XXXX XXXX XXXX XXXX, Ca. XXXX. 
After submitting all necessary applications, documentation, and tax returns, I was approved. This loan was then bought by XXXXXXXX XXXX XXXX XXXXXX/XX/2021. I continued to make my monthly payments according to the loan agreement. 
Last month, the loan went back to Network Capital Funding Corp. I was instructed to make payments to them, which I have been doing since. 
A few months ago, Network Capital contacted me and wanted more financial documentation, such as personal and business 2021 tax returns. I was reluctant and confused about the reason for this request, but I complied and sent the tax returns. 
During the last month, I have been contacted on multiple occasions by different people from Network Capital, insisting that I need to refinance again because they got audited by the government, and because they failed to follow certain guidelines, the loan was kicked back to them.

I was told that the property would be foreclosed if I didn't agree with refinancing.

I have submitted all necessary documentation for this loan. If Network Capital fails to abide by the government 's guidelines, it is their problem .it seems they want to refinance with a higher interest rate, so the loan is more profitable.