davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XX/XX/XXXX Capital One Financial Corp Re : Fraudulent XXXX Charges XX/XX/XXXX Capital One employee XXXX ID XXXX did her best to assist me today in rectifying this situation but was unable to do so. I am reaching out to you with the facts to get help. 

1. I requested a replacement card online because mine was misplaced. 
2. On XX/XX/XXXX I received a text asking if I was at that moment charging items on my Venture One card at XXXX XXXX & I replied NO. 
3. I then called customer service & told them I had NOT received the replacement card that was being used and I NEVER shop at XXXX. 

4. I was told they would investigate the charges and I asked if the charges were done at a local XXXX because I was concerned that the missing card had been removed from my mailbox. They responded that Fraud investigation would get that information. They also said they would send a replacement card. 

6. I then received a replacement card which surprisingly was ALREADY ACTIVATED and required no security call at all. 
7. I now have received a letter from Customer Fraud Protection saying that there are no indications of fraud because the person had the card. Obviously the person using the card stole it from my mailbox or it never even got into the mail. Please investigate further - I am NOT responsible for these charges which have now been put on my replacement card. 

There is serious fraud in this instance and I am upset and also angry on how this situation has unfolded. I have been a customer for a long time and am highly disappointed in how this is being handled.
Consumer complaint received 2022-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

A separate complaint was entered on XX/XX/2021 due to the delay of a modification request. The company ( Freedom Mortgage ) continually told myself and my co-borrower that our " signatures '' did not match what they had according to their underwriters and despite their documentation requesting that we signed the documents in a manner which they specified. The company response to the last complaint simply reiterated this signature issue without resolution. 

After multiple calls to Freedom Mortgage and being advised to constantly wait for a callback ( we never received one ) we were advised that our " [ modification was approved and that the underwriting issues did not matter, so we should just make a payment based on the modification ] '' when the website and/or statements were updated. The website and statements were never updated and do not reflect an active modification agreement. We've made multiple recorded requests on this and were constantly told to " wait ''. 

Recently, the representative language has once again changed randomly. They now tell us that b/c we didn't make a payment we have to accept a new COVID 19 agreement w/ a rate 1.125 pts higher than the original modification.
Consumer complaint received 2021-07-30
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: CNG FINANCIAL CORPORATION (WI)

I'm to understand that XXXX XXXX XXXX operates Check N Go. 
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX  Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These CRAs are currently reporting a false and invalid account on my report. The account in question is NOT mine and I have proof.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America refused to connect me with one of their loan officer 's to explain what our options are regarding our mortgage. A refinance at a significantly lower interest rate in today 's completive market. I have been paying for 24 years on our house and it is still not paid for
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (WA)

In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXXXXXX XXXX XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer because I was an existing XXXX XXXX member and my XX/XX/XXXX transaction was for a renewal of my XXXX membership. However, the CSR stated that without any evidence and lied to Consumer Financial Protection Bureau ( CFPB ). I have contact XXXXXXXX XXXX XXXX  and confirmed that my membership purchase in XXXX XXXX was for a new membership.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NJ)

On XX/XX/2021 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Americollect Inc. '' The company received my letter on XX/XX/2021 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

In XX/XX/2020, I applied with HSBC Bank for a 0 % APR promotional offer on balance transfers. 

On XX/XX/2020 I initiated the balance transfer via a phone call with a representative of {$6000.00} to be send to XXXX XXXX. I was told this transfer would take 7-10 days. By XX/XX/XXXX, I logged into my XXXX XXXX  account and the balance transfer from HSBC and still not made it to XXXX XXXX, but on my HSBC statement it say the a balance transfer was made to " XXXX, NY '' on XX/XX/XXXX. " XXXX, NY '' is not the correct location for the XXXX XXXX balance transfer, it is in fact that location of HSBC Bank USA, N.A. I was also imposed a transaction fee of {$240.00} on XX/XX/XXXX with HSBC for the balance transfer that was never completed correctly. 

I was never contacted once by HSBC to inform me there was a discrepancy information for the balance transfer to be sent. 

I contacted HSBC immediately on Friday, XX/XX/XXXX. I spoke to a representative and they said they would credit back the {$6000.00} to the HSBC account within XXXX days. 

It is now XX/XX/XXXX and the {$6000.00} has still not be credited back with two business days to go within the 7-10 day window. And, the is a first payment due to HSBC on the account is on XX/XX/XXXX by which I will be responsible for paying a minimum payment due for a balance transfer that was not handled properly in the first place, with absolutely no communication that there was a discrepancy in the balance transfer information.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (OH)

Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX  Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.
Consumer complaint received 2020-03-18
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. (ID)

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED XXXX
Consumer complaint received 2020-03-17
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. (NC)

I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2020-03-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a residential rental property company and deal with all the major mortgage companies including Bank of America, which I have a least 10 loans. The homeowners ' insurance for 3 of the Bank of America loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. Bank of America requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. Bank of America continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website Bank of America provided and received confirmation emails of receipt. Bank of America placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. Bank of America has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Sent written letter to XXXX/XXXX, Bank of America ( 2 inquiries XX/XX/XXXX and XX/XX/XXXX ) and XXXX/XXXX XXXX   notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiries be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my XXXX  credit report showing the inquiry.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc. (TX)

I have sent a dispute letter to Blakely-Witt & Associates around XX/XX/XXXX and they never responded and never provided verification of debt owed and now they have added another which is over {$4000.00} as my credit monitoring system just notified me. They also never sent me any letter via mail stating I owed any debt, instead it is just added to my credit reports causing my score to drop again which has caused me to be unable to be approved for an apartment so I had to move in with family. I also did not receive a right to dispute letter from this company from either collections they have placed on my credit in XXXX and now XXXX. When I request written documents verifying this account is mine neither the credit bureaus nor the collection agency have provided any proff which is against the law.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I HAVE BEEN DEALING WITH THIS ACCOUNT FOR SOME TIME NOW THAT IS NOT MY ACCOUNT ASKING THESE COMPANYS TO REMOVE IT FROM MY CREDIT REPORT BUT THEY HAVE YET TO REMOVE IT
Consumer complaint received 2020-03-18
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. (FL)

I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-03-18
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. (FL)

I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear CFPB, I writing this in request to Bank of America to provide me a XXXX for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a XXXX and enter litigation.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

Please note that the debt with this creditor, Capital Accounts , LLC, has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for a debt already satisfied. A possible judgment will damage my credit for at least 7 years. 

I am afraid in fear of being sued by this company and the potential damage this will do my to credit forever. I need help. Please! This is a medical bill that is no longer relevant in the amount of {$95.00}. This doctor isn't a practicing physician and bill was already paid- being scammed here for bill already paid in full.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I started disputing this account on my credit report on XX/XX/2021. Experian has yet to respond to my dispute about it, so I sent another one on XX/XX/2021 and again today, XX/XX/2021. The fact that they're not even acknowledging the dispute is beyond unprofessional to a client.