davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My Capitalone venture credit card was closed around XX/XX/2019 without letting me know.I was at a store trying to make a purchase, when the card didn't work.I called Capital one and they told me my card was closed and didn't give me any reason.I have always had a good standing with the company and always paid my balances in full. 

I also had {$400.00} + of rewards points left in my account which I was going to use for flight tickets around XXXX. Capital one only gave me half of that. 

I think its cruel for Capitalone to cancel my card without prior warning.I was shocked a company would do this around XXXX time when people travel a lot.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (IA)

I have try contacting XXXX XXXX XXXX and XXXX along with original creditor as a count is stating incorrectly. creditor stated over the phone that they no longer own this account therefore they cant do anything about it. Bureaus continue to investigate and results continue to come back incorrectly. Account is stating closed {$0.00} balance {$0.00} pass due with perfect payment history and no late payments with XXXX. Yet, all three bureaus are reporting payment status as charge off with Inaccurate de last active and date last reported. Date open has changed as well. Along with missing data on date last payment yer XXXX report payment history. This is not possible!
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CO)

I started a refinance process of my existing loan back in XX/XX/2019. I wanted the lowest interest rate, lowest monthly payment, no closing costs, 30 year fixed mortgage, I am not taking any money out, and I wanted to pay the fewest points possible. I have great credit, very little debt ( 1 home, 1 car, 1 credit card that I pay off every month ) and should have been an easy in and out refinance job. 
My existing mortgage provider ( XXXX ) called me and pleaded with me to stay with them. They were in bankruptcy restructuring and did not disclose they had been sold to NewRez. I agreed to stay with XXXX to make the process quick and easy. Needless to say, it is now XX/XX/2019 and my loan still has not closed and is now with NewRez. 
My credit has been pulled multiple times and I have incurred a 31 point drop in my credit score from XXXX ( I was told multiple times that refinancing to a lower my interest rate would only impact my credit score by 1 to 2 points - this is far from what happened! ). 
My loan has unlocked at least once, the person that I was working with quit and NewRez did not move the loan to a new processor to actively work. 
After repeated emails and phone calls I finally found out my loan fell into a black hole as a result of the person leaving the company. Due to all of the missteps on NewRez 's part they PROMISED they would give me a great rate and a great deal as a result of all the hassle. This was hardly the case ... they lied to me, tried to pass thousands of dollars worth of costs to me and then pretend like they didn't ( they were shocked when I would ask, where are these costs suddenly coming from ... and pretend as if I must be mistaken, there were no costs being passed to me! They aren't the only ones that can compare multiple documents and add! Had I taken them on face value, I would have paid money to line their pockets with commission. We still have not closed, I have called their corporate office and am waiting a call back from their General Manager. 

The lies, the manipulation, and the lack of respect for people is unconscionable. There needs to be tools that guide consumers with facts about rates, closing costs, points, etc. I know I am being lied to and manipulated but I have no idea to what extent! I simply want a fair refinance, but to date this has not occurred.
Consumer complaint received 2019-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

On XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  years of age signed a mortgage servicing agreement with Quicken Loans ... ( and were given a deed to the property ) At the XXXX XXXX and XXXX XXXX in XXXX Oh ... Gave them a check for over XXXX be applied to closing cost ... In XXXX Dad passed away in XXXX ... From the beginning of the loan XXXX QL was charging us XXXX pr mon for taxes ... From the beginning of the FHA loan the taxes were not in alignment with the requirement of FHA ... XXXX XXXX still had his name on the deed as well and it was not transferred until XXXX of XXXX.We are not family to the XXXX ... which makes the sell null and void..because XXXX and XXXX XXXX had no knowledge of XXXX XXXX on the property regarding taxeXXXX until XXXX of XXXX ... When we became aware of the tax issue after the transfer of the property one and a half years later..we paid all the back taxes and we have document to to prove that ... On XXXX, XXXX XXXX all if this was reveal in Tax Document sent from the XXXX County OHio Treasures Office ... In XXXX we paid XXXX for an escrow shortage ... QL took all of the funds we placed in the tax account and then charged us for an escrow shortage ... The Mortgage according to FHA requirements were not in alignment with having someone else on the deed without our knowledge ... Therefore the contract is a fraud ... So QL took all of that..has been over charging us on a Fraudulent Mortgage ... Then when we paid 8 payments minus the taxes they kept all of that money and began an escrow account that would lead to us being in foreclosure in XXXX..They refused to discuss the tax issues with us ... I have letter we sent to prove that as well as hire an Attorney XXXX XXXX which they refuse to talk to ... No Wonder.. 
They never gave us credit for making the tax payments on a fraudulent mortgage..and have been deceiving FHA as well..
Consumer complaint received 2019-12-30
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. (IN)

I am trying to resolve a problem with TransUnion regarding an " adverse '' credit report. I have tried to go thru the online dispute mechanism but it is cumbersome and when I get to the section to upload supporting files, it only allows the upload of image files - I can not even upload a XXXX document! I can not properly dispute the " adverse '' info without providing a XXXX document. I contacted TransUnion and requested to email the supporting documents. I was told that I would have to ( snail ) mail the supporting documents. I was unaware  civilization has regressed to the Stone Age? I have numerous supporting documents regarding my dispute. Surely a company in this day and age can accept emails with attachments? Why can TransUnion not accept emails? How can anyone properly dispute " adverse '' info using image files alone? A XXXX  document would seem to be a necessary prerequisite to explain the issue. If the company is so backwards it can not accept email, it has no business being responsible for the creditworthiness of millions of individuals.
Consumer complaint received 2019-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC (CT)

Stop reporting me late I do not have an arrangement with you, nor do I make payment to you.

This account is in dispute I do not owe these people this type of money.

his companies is reporting me late to the credit bureau and I am being refused credit because of them. This account is old and in dispute I do not have a payment arrangement nor a payback or anything because I do not owe them anything.

What right do they have to continue to report me late for the sole purpose of discrediting my integrity? I have not had this account for many years, and it is closed why are they still able to report me as being late. The company is a fraud a prey on poor people why would you repo a car and take it back after 1 missed payment and sell it for XXXX and the car was 2 months old. It is all a scan to make poor people worse that it. I do not owe them this kind of money. I ask you to get them to stop reporting me late for something I have no credit with.
Consumer complaint received 2019-12-30
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. (LA)

Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX  XXXX {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX  or Experian credit reports.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX XXXX  {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my Equifax or XXXX credit reports.
Consumer complaint received 2019-12-30
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: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCT # XXXXXXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2020-06-09
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. (OH)

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (NC)

A few weeks ago I went to the bank branch after recently learning that I owed {$180.00}. I went to the bank a total of XXXX times on which the most recent visit I spoke with the branch manager and filed a complaint with the company. The branch manager also escalated this matter and I have yet to hear the results of the dispute and I paid the total of what was said to be owed. I was told by a customer representative that I would hear something by XX/XX/XXXX. My complaint with the company is that the information was inaccurate, I was never notified in writing about any amount being owed, I paid the account anyway and still am being punished for a very small amount of money ( {$180.00} ). The way that this account is reporting is keeping me from closing on a {$250000.00} home loan. I know that by law the information should be accurate and I know that this is a violation of the FCRA and FDCPA, so they must abide by the law. Everything that I have provided to them is true and accurate to my knowledge. I am in urgent need to resolve this matter as this is preventing me from moving forward with obtaining a home loan. I would like this item to be handled accordingly and removed from my credit report for the reasons mentioned above.
Consumer complaint received 2019-12-31
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. (NY)

i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2019-12-31
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. (NY)

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I ordered a bike from a company thats called XXXX  never received a email of my purchase also sent PayPal a message telling them I felt it was a Fraud purchase fraud purchase I ha e not been able to get a response from them.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX  XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX   XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

My Car still hasnt been registered by the Dealership which they are required by law for any auto lease or finance. 

As well they forged mine and the co-signers signatures on the closed ended lease contract they sent to the bank. The copy they sent me 3-4 months after taking delivery are not signed. I had the car picked up by my nephew and everything was signed and notarized in XXXX XXXX so it wouldnt be able to be r Esigned at the dealership which I believe it was by the sales managers which no longer work for the dealership or Finance manager. 

XXXX XXXX XXXX  In VA
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc (TX)

On XX/XX/19 XXXX XXXX XXXX, from Williams and Fudge Inc. Had cold called a family member constituting that she was trying to contact me and I had put down my family member as a job reference. Which I have never done before nor do I even have that family members number. She attempted to retrieve my information on the basis that she was an employer and left her number for me to figure out who she really was.
Consumer complaint received 2019-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I am a VA XXXX VET and requested a home loan modification or possible payment assistance arrangement from my mortgage servicer, PennyMac Loan Servicing LLC., as I am now in a better financial situation, as I've fallen delinquent with my mortgage payments. I faxed and emailed, all of the known application documents in which would be requested on XX/XX/XXXX, to PennyMac in hopes that the paperwork would appear in their servicing system by today, Monday, XX/XX/2019. In following up with their Loss Mitigation Dept. I was advised that the paperwork can take up to 48 hours to image through. 

My auction date is scheduled on XX/XX/XXXX. I understand in reading the PennyMac website, application for loss mitigation options must be received by no less than 7 business day. Today would be my deadline to send documents within their servicing system. I dont belive it is fair that I've faxed in the paperwork and then being told they cant get to it till days in, when an auction date is 9 days away.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (CA)

On XX/XX/XXXX of 2019 myself and numerous people that I am not directly associated with were contacted by a company called Alliant Capital falsely claiming I owe them money. Then I started receiving calls from numerous people that I havent spoken to in over 20 years stating that the rep of Alliant Capital told them I owed money and began asking questions. After I told them the debt wasnt mine the rep then told me to shut up and let me talk and when I didnt and hung up the phone. I called back and asked for a supervisor and the other staff members began talking like mobsters and threatening to be lawyers. The last number I have on them is ( XXXX ) XXXX the reps name is XXXX XXXX.
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

Because this company goes by 2 different names, I submitted a complaint for both XXXX and Lakeview Loan Servicing , LLC. 

Our homeowner 's insurance policy had not been paid by our mortgage lender, XXXX. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was put on hold for total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 12 days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from XXXX. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. XXXX also stated we may get billed for them having to do an overnight payment. I even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is XXXX. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. XXXX XXXX XXXX ( which also goes by Lakeview Loan Servicing LLC ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX/XXXXUnder Dispute XXXX   XXXX  XXXXUnder Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX/XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXTXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law