davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that Capital One was going to be taking over my credit card, and everything went down from there. 
Since Capital One took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, Capital One has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

Capital One states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

Capital One is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

Capital One is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both Capital One, and the collection company XXXX XXXX XXXX listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to Capital One, so my credit is being dinged twice by both Capital One, and XXXX XXXX XXXX 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and Capital One charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a XXXX XXXX XXXX, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to Capital One.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

Mr Cooper has Constantly mis applied my bi-weekly payments since or about XXXX of this year. I have called monthly to have to correct this problem. My mortgage is paid on the XXXX and XXXX for the following month. Problems range from hierarchy to system malfunctions. this has led to Me being allegedly late and my escrow funds not being funded properly. Every month I have been assured that that the problem would be fixed and as of now it hasn't. My payment plan is set through my bank as Mr. Cooper wants to charge a fee for bi weekly payments.When I did this I was told by a Mr Cooper representative that it would be No problem. I also send an extra XXXX dollars a month toward principle. I had a conversation again on Thursday XX/XX/20 because my XXXX payment was Not Applied to XXXX. I was assured it would be fixed, it hasn't. Also I was to receive an Escrow overage check, which I did. I wanted those funds to go back in to escrow which i was told they would, they haven't.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK (GA)

My husband and I have been joint holders on a personal checking and savings account with this bank. Yesterday ( Thursday, XX/XX/XXXX ) I contacted their Customer service office because I could not get into my online baking. The account was locked and I asked them to reset it. They asked me a lot of questions to verify who I was. Then, the CSR advised me that she needed to speak with my husband to get permission for me to access the account. I am highly insulted and I feel this is a sexist and discriminatory practice. I am a joint holder on the account. I do all of the banking and handing of finances for our household. I spoke with another manger today and she essentially told me " it is what it is. '' This is discrimination. Why do I need my husband 's permission to access a joint bank account? This is insulting and degrading.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One has failed to refund XXXX in fees and interest from " late '' payments on purchases that were under dispute and ultimately refunded. Capital One has been asked to refund these numerous times, yet I have not received any personal contact from them.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was flagged as having a delinquent account with the XXXX XXXX XXXX XXXX for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the XXXX XXXX XXXX XXXX and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the XXXX XXXX XXXX XXXX multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through Transunion in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I have attempted to setup accounts now on XXXX and XXXX investment accounts. These Institutions use XXXX services to manage money Transfers. My bank is PNC Bank. They have cancelled transfers using XXXX   transfer platforms. I CAN NOT ACCESS MY OWN FUNDS TO TRANSFER ELECTRONICLY WHICH IS LIMITING MY INVESTMENT OPTIONS. This is very frustrating. Please investigate.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This is related to complaint # XXXX filed on XX/XX/2020. The company ( Citizens One Home Loans ) responded on XX/XX/2020. It appears that Citizens has corrected their transaction errors, and adjusted my mortgage balance as well as escrow account. 

However, I pulled a credit report this week, which shows incorrectly that my XX/XX/2020 mortgage payment was late. This payment was on-time, but rather than posting it correctly, Citizens sent me a check for the full amount. On the advice of one of their customer service reps I held the check for several weeks, then returned it on XXXX. 

I have asked XXXX to remove the incorrect late payment record from my file.
Consumer complaint received 2022-11-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, VA ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XXXX XXXX  with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

Really need help getting Freedom Mortgage to sign off on the settlement since to our knowledge, it should have been completed before both sides signed. Freedom Mortgage has caused an unnecssary delay with regards to recording in court and funding. On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, XXXX  ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XX/XX/XXXX with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

We need help to get Freedom Mortgage to sign off on the settlement since to our knowledge it should have been completed before both sides signed. Freedom Mortgage has caused an unnecessary delay with regards to recording in court and funding. Please Help.
Consumer complaint received 2024-06-08
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. (FL)

This is my fourth attempt to inform you that I am a victim of identity theft and to dispute specific records in my document resulting from this crime. The records I am contesting pertain to transactions for goods, services, or money that I neither made nor authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX