davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Chexsystem. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (MD)

Our complaint actually involves something slightly different than the categories available. We were advised to pick one and explain here what the actual complaint was.

We are in the process of adding a building to our property and had to have our property re surveyed. After doing so we were then required by our county to send the new plat to our mortgage company ( Shellpoint ) for their signature and then Shellpoint was to send it back to us to then be submitted to our county for finalization before we can build. 
We sent the plat to Shellpoint and required it be signed for upon receipt. A person named XXXX XXXX signed the receipt on XX/XX/2020. On XX/XX/2020we called and spoke to XXXX. She did not have any answer for us and said she would call back. Did not. We called back XX/XX/2020 spoke to XXXX about the same and she said would look into it and call back. Did not. On XX/XX/2020we called again spoke to XXXX XXXX she said she would look into it and call back. Did not. We explained our problem and asked for a supervisor and were told there were none. We were told that the place that might have our plat did not have any phones in that section so we could not call them directly. Many calls were made for the next two weeks leaving messages and no call backs. On XX/XX/2020 Reached XXXX XXXX, had a conversation with her which seems promising and she said she would call back. She did not. Called her direct number as given, we left a message at XXXX. Called her again at XXXX and left another message. No call back. On XX/XX/2020 we call XXXX XXXX again and left another message. No call back. 
We then called the main number on XX/XX/2020and spoke to XXXX and she said much the same that she would look into it and call back. On XX/XX/2020we actually got a call back from XXXX XXXX said she has the plat, she stated that she needed some forms filled out and sent back before she could proceed. We filled out forms and promptly sent them back that day. We called XX/XX/2020 and left a message. No return call. On XX/XX/2020we called XXXX XXXX and she stated that the plat was across the street and she would go over and get it and send it. She stated that she believed it was signed. She said it should be to us in a few days. It did not come. We called her on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and her voicemail box said each time it was full. So unable to reach her. Again on XX/XX/2020called main number and left our number for call back. Called again at XXXX and XXXX and spoke to XXXX. She said she would call back and never did. 
We tried everything that we can to communicate with this company to no avail. We even called and emailed the CEO XXXX XXXX and no response. We are exhausted and desperate at this point. This company is holding our legal document hostage and we are unable to move forward until we receive it back, signed by them. We have had to apply and pay for an extension on a building permit due to this delay. We implore you to help us with this issue we are having with Shellpoint.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (FL)

I purchased a tour with my CITI card in XX/XX/2019 because it offered {$5000.00} in trip cancellation and protection insurance. In XXXX of 2019 this benefit was cancelled for new purchases but I have been assured that since my purchase was before the cancelation that it is still in effect. 

My tour company requires that I send the benefits wording in writing. I have called the benefits vendor ( CITI ) multiple times to get a written copy of these benefits. I've been told verbally that I do have the benefits but have been refused written proof. 

I had saved links to the original benefits but CITI had already removed those web pages and replaced it with current benefits. So without written proof, that CITI is refusing ( multiple times ) to provide me, these benefits will not be recognized by the Tour Company.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (NV)

My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IN)

Our company XXXX XXXX XXXX issued a check to XXXX XXXX XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a XXXX Bank in XXXX Indiana XXXX XXXXXXXX XXXX XXXX , we were called several weeks later by XXXX XXXX  that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt PNC would get our money back from blatant fraud from the XXXX bank teller who cashed a check made out to a company and " scribbled out the name with a black marker. 
" 6 MONTHS later '', PNC is still telling us they are at the mercy of XXXX and that there is not timeline on the check repayment from XXXX, XXXX will not communicate to PNC or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. EXPERIAN said they did verify this account with XXXX XXXX XXXX XXXX XXXXXXXXbecause I have proof from this company that I don't have a account so my question is why is it on my credit file. PLEASE hold this company accountable.I submitted proof of this.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST FINANCIAL SERVICES, INC. (OK)

Your choices don't exactly fit my situation, but if you look at the online call reporting sites you see this is obviously a debt collection scam. A phone message comes in from XXXX or a similar number with a recorded message stating this is an effort to collect a debt and I or my attorney must call back to XXXX. They never mention my name or their name or the name of the company to whom I supposedly owe the debt. The message always cuts off right before they are supposedly giving a reference number. I have not called back, as this is not a toll free number, but others who have reported this number ( the XXXX number ) have attempted to call back and they are hung up on when they start demanding information about the supposed debt. Apparently the entity using this call back number does this every tax season. I am in the middle of Chapter XXXX bankruptcy. No legitimate debt collector would be calling me.
Consumer complaint received 2022-12-25
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 (OH)

MY Capital One credit card was closed out and paid in full. 
then shortly after the company added a credit balance refund two amounts of {$2400.00} and {$670.00}. for a total of {$3100.00}. so i called the company and asked what this was for and they responded it was for over payments. as i have documentation stating this of all my transactions. Now the company is sending me a bill of the amount of {$3100.00} with interest, i have called and explained to several reps. that this has been a mistake and they could not legally charge me for interest on money that i don't even owe them or the amount they are asking for, witch was an over payment refund in the first place. i have also talked with their managers and fraud department few times and they all said this would be resolved and sorry for the mistake. but yet i keep getting bills for the amount with interest owed, on something that i don't even owe. i have even sent them two letters with the bills returned. please help me with this thanks.
Consumer complaint received 2020-12-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

XXXX XXXX claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in Equitfax, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from Equifax and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. XXXX needs to remove XXXX XXXX from my credit report.
Consumer complaint received 2023-12-06
Product: Credit reporting 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. (KY)

Experian half failed to remove all my hard inquiries as the law requires within a timely manner, the fair credit act, the law requires my credit score and information is updated on a monthly basis to prevent inaccurate information on my credit report
Consumer complaint received 2022-12-25
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. (VA)

Hi CFPB customer care With XXXX XXXX XXXX  credit card account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the TRANSUNION CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXX during XXXX and XXXX via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' on TRANSUNION CREDIT reports as well late payments reported in TRANSUNION CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

And to add previously I have submitted compliant XXXX with cfpb and they said it is resolved but still my credit report shows same remark, could you please remove that remark
Consumer complaint received 2022-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and XXXX credit reports. I immediately called Capital One to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( Capital One ) about the fraudulent credit card application. I then called XXXX and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called Capital One back to inform them of this information, they insisted that they do not provide such letters to people. I called Capital One back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My XXXX XXXX has dropped significantly due to this fraud. I have been unable to receive any assistance from Capital One ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if Capital One reported it promptly to the credit bureaus.
Consumer complaint received 2022-12-25
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. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (OH)

On XX/XX/2020 at approx. XXXX, I received a call from a number informing me that my social security number was being used for identity fraud in XXXX XXXX, Texas, where my information was being used for XXXX  XXXX  and XXXX  XXXX. The caller provided me with her name and badge number and claimed she was from the Social Security Administration. I was then forwarded to a purported FBI agent and was told that I had to prove my innocence and that I was not involved in the criminal activities of the XXXX  XXXX. To do this, to be reviewed for suspicious activity, I had to remove the money from my bank account at XXXX XXXX  and deposit it into bitcoin through an ATM machine, which was administered by XXXX XXXX at the location of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. I was told that if I did not do this, I would be arrested by the FBI. The number that I was speaking with was calling from ( XXXX ) XXXX, which is the same phone number as the XXXX FBI . I was promised that my money was going to be returned to me after the transaction through the digital wallet QR code that I had been depositing the money into. Following my deposit at approx. at XXXX, the caller hung up, so I called back to the XXXX FBI . I explained to the officer about my case and asked to speak with the officer who had called me. They were unaware of the officer that I was trying to reach and informed me that I had just been a victim of scam. This led to me losing {$13000.00} and invasion of privacy by FBI imposters. After being informed about the scam, I called the company, Athena Bitcoin, around XXXX and was directed to their voicemail. I attempted to contact them again an hour later ( XXXX ) and was on a very long wait time. Once I had finally reached an associate, they hung up on my mid conversation and I had to call back and explain my situation to another associate who was very unhelpful with my situation. She told me I would have had to reach out to them immediately, and now there was nothing they can do about the fraudulent transaction. I would like for Athena to trace this transaction and try to recover the funds.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

We received a letter in the mail, written XX/XX/XXXX from McCarthy, Burgess, and Wolff, stating we have a balance of {$3500.00} that must be paid on behalf of a closed worker 's compensation account from XXXX with XXXX XXXX XXXX. The letter indicated their client is intent on " looking to resolve this claim in the easiest manner possible '', and that action will be held until XX/XX/XXXX, pending receipt of a check. 

The letter further proceeded to instruct in making a payment to their client ( XXXX XXXX XXXX ) in the amount of {$3500.00} and mail the remittance to their office ( McCarthy, Burgess, and Wolff ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX An additional option was to pay online at : www.mbwpay.com, or over the phone, XXXX. 

We called Employers to verify if there was a balance due and they confirmed the account was closed in XXXX, and there was no balance due.
Consumer complaint received 2023-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX
Consumer complaint received 2020-03-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

A VA IRRRL mortgage refinance was being written by Quicken/Rocket Mortgage. I was charged a Good Faith fee of {$500.00}. An appraisal was also done- I later found out was not necessary both ) for this loan. I have excellent credit and have been on time on payments. My home is in a growing area. I am a XXXX XXXX Veteran and have been a victim of a Predatory Loan. No Contract was signed- no closing. Was told {$500.00} will be returned MINUS appraisal and other fees. This all occurred in the last 30 days. XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Copper repeatedly sends me threatening letters to purchase insurance on my home. My home has had continuous insurance coverage with XXXX. XXXX has been my insurance company for more than 30 years. 

I'm tired of the harassment and threatening letters. 

Mr. Cooper should be contacting XXXX to resolve the situation. Apparently they have not.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my federally protected XXXX rights to privacy and confidentiality. under 15 USC 1681 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Castrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of intormation Anv other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.