davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I am a Costco member and have the Citicard XXXX XXXX Card. It is very strange, I applied twice for credit limit increase and got denied, the reasons were that my phone number associated with my fraud alert did not match and Citicard did not get my permission to get a credit report which were lies. I did have a fraud alert last XXXX, called XXXX and reported it and stuff. Then earlier this month when I applied for credit limit increase, I remived the lock, called the bank and credit bereau before hand and informed them of my plan. Then after I applied, I got a denial. I called Citibank and the credit bereau and apparently according to XXXX, the phone number on my file was not listed as my mobile phone, it was listed as a landline so they fixed it. 2 days later I called Citicards again and re applied and got denied again. I have an excellent credit, I dont have a mortgage or car payment and I pay the balance on my credit card every month. I am not sure why I keep getting denied, very strange. Also, last spring, sometime in XX/XX/2021 or XX/XX/2021, I also applied for the XXXX XXXX Checking account and got denied as well. I am not borrowing money from the bank, I was going to deposit {$150000.00} of my money and got denied? Why? Apparently bec they can not verify my credit report which was strange. I honestly believe that Citicard has some sort of prejudice on me. The people there dont know what they are doing. They think I am a risk so they deny me. I honestly have plenty of cash to pay for things. Unbelievable, whatever parameters they use to screen and whoever is working there do not know what they are doing. Help
Consumer complaint received 2024-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Every time we call we get a different representative that has no knowledge of our account or whats going on with our account just whats on the screen in front of them no notes on the account so called left by the previous agent weve spoken with so weve been dealing with this issue for a whole year now this company doesnt take any kind of accountability on their screwup, but they continue to rest solely on us blaming us. Ruining our credit by false accusations, misleading information, and false claims And disorganized payment processing. They can not explain or articulate how we went from being a month ahead on our account for the last 5 to 6 years to falling behind a month starting back in XXXX XXXX XXXX. Because of their negligence, so as the consumer, we get treated very disingenuous damage credit report that enable us to go anywhere else to get a mortgage from someone else because of there derogatory reporting To the credit agencies and we continue to have problems with this company and we set up a payment arrangement to get the account back on track but they continue to screw things up and report us as being late even though they get a payment that we call in and make for the last 6 months but they still continue to give us harassing calls at our work place not soon after they just got a payment over the phone and to make matters worse, they send strange people out to our residence to see if were still living at the property in which is very contradicting when you call over the phone and speak with a representative in making a payment you have to verify that youre still living at the property!!!!!

And furthermore you can see Truth to my claim Mr Cooper has a B- rating with the XXXX XXXX XXXX XXXX , but it is not accredited. In 2021, the Consumer Financial Protection Bureau received XXXX mortgage-related complaints about Mr. Cooper. The most common were related to trouble during the payment process and application process and struggling to make payments.
Consumer complaint received 2022-05-20
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Experian and XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-13
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. (SC)

XX/XX/2021, I received an investigation letter and an updated consumer credit report from Transunion. The investigation for XXXX XXXX states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX is a COLLECTION account. A COLLECTION account SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. A collection account should show as a OPEN account. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

a seller " XXXX XXXX XXXX XXXX XXXX '' sold me a defective product XXXX XXXX that has a fan with a noisy bearing and possible fire risk. Capital One Visa was the merchant service provider. Capital one refuses to charge back merchant for defective product. Merchant in writing provided 1 year warranty and merchant says " the MFR will handle the warranty '' MFR states " The mechant knows they must handle the warranty and then we deal with them after they care for you. '' Capital One Visa account is only remaining avenue to force merchant to handle their fraudulently advertised warranty ( FTC violation ) and Capital One Visa allowed merchant to commit this fraud using their system. I believe Capital One is responsible for allowing the fraud to take place on their platform. Additionally Capital One offers me an " extended warranty card benefits of 1 year '' and refuses. 
" XXXX # XXXX '' states the chargeback was made too late and he can not charge back, I know this is not true as I am also a merchant account system user. Capital One " XXXX '' also refused to entertain coverage under the terms of their extended warranty benefit advertised to me to have me sign up to their account. 

Resolution requested : Charge back merchant or negotiate a refund to cover the cost of the repair of the defective 1 year warranty advertised product sold to me. The estimate cost to repair is {$120.00}, or charge back the product price. Copies of all the advertising, receipts, and other information was sent to Capital One. 

XXXX XXXX claims he has no useful supervisor and there is no person higher at Capital One or a person in the Capital One legal department who can review my claim, otherwise I would not have bothered the CFPB. Side note XXXX XXXX never argues with me about these issues and simply negotiates a settlement with the merchant or charges merchant back and if merchant wants to resolve the issue they do so outside of the credit card system, perhaps Capital One is having problems that should be evaluated for risk.
Consumer complaint received 2021-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

I purchased a home in XXXX with an FHA loan which contained a PMI payment of {$100.00}, my amortization document indicated that in XX/XX/XXXX I would reach XXXX XXXX ( 20 % equity ) where my PMI would drop off and beginning on XXXX XX/XX/XXXX my payment would reduce by the {$100.00}. However, throughout my loan I made bi-weekly payments so I reached the 20 % equity in XX/XX/XXXX instead of XXXX and I called to request that my PMI be removed and was told that I would have to pay {$500.00} for an appraisal if I wanted it removed or wait until XXXX and it would automatically drop off, I chose to wait. I called on XXXX XX/XX/XXXX to again request that the PMI be removed and was told that I needed to make the XXXX payment and it would be removed and reflected in my XXXX payment, I made the XXXX payment as requested. I called again on XXXX XXXX to confirm that my XXXX payment would reflect the reduction of the {$100.00} PMI and was told that I need to request that it be removed and that I would have to pay for an appraisal before it could be removed. I have been going around and around to have this removed and have done everything that has been requested and have never missed or been late on any payments.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

I pulled my credit report and LVNV is appearing on my credit it is showing as a collection on XXXX and XXXX. Showing absolutely no information on XXXX. Inaccurately, reporting on XXXX as 120 days late. Collection on XXXX and again absolutely NO INFO on XXXX. Showing a past due balance on XXXX and XXXX. Shows credit history on XXXX as XXXX, and XXXX for XXXX and nothing on XXXX. How can all reporting to each of the credit bureaus be completely different? I would like this account to be completely Deleted from my credit report from each of the 3 major credit bureaus : XXXX, XXXX and XXXX.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Billing statement — 
Company: CAVALRY INVESTMENTS, LLC (CA)

I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to Specialized Loan Servicing through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from Specialized Loan Servicing to XXXX XXXX XXXX effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted XXXX XXXX XXXX again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to Specialized and the XXXX payment to XXXX XXXX XXXX being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from XXXX XXXX XXXX, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both Specialized Loan Servicing and XXXX XXXX XXXX that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.
Consumer complaint received 2021-11-13
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: NAVY FEDERAL CREDIT UNION (OH)

XXXX XXXX continues to discriminate and perform deceptive practices. I've reached out to them multiple times to try to remedy the situation with them but they continue to violate federal law. Persuant to 15 USC 1681c-2 ( A ) a consumer reporting agency shall block the reporting of any information that resulted from alleged identity theft not later than 4 business days after the date of receipt. Pursuant to 15 USC 1692c ( c ) I wrote them to invoke my specified remedy as a consumer and original creditor and demanded them to cease and desist from reporting these fraudulent accounts and they still have not done so. Federal law trumps policy and navy federal does not seem to believe so. I attached my ftc report my identification card and my affidavit of truth under 15 USC 1681c-2 ( A ) the accounts should have been deleted immediately after the receipt of the documentation. I will attach all documentation that I have sent to this company I have made a complaint with the XXXX  and attorney generals office the next will be my lawyer drafting a complaint in federal court.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (SC)

calalry portfolio services, LLC says i owe them money and i have tried to resovled the problem because i dont know anything about this debt with cavalry portfolio services , LLC i dont have a contract with them i havent even signed any papers with them they have damaged my credit report for something i dont know anything about. they are invading privacy
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (KY)

On XX/XX/XXXX my bank issued and mailed out a check to the Barclays World MasterCard credit card company in order to pay my account in full, XX/XX/XXXX I called the credit card company because they had not applied the payment to my account, they replied that they had not received it, but then proceeded to tell me they had opened up a case on XX/XX/XXXX to resolve a case on the lost check, mind you, they never informed me about a lost check. I have repeatedly called to them to check on my case. I have provided them statement and picture of back and front of the check. XX/XX/XXXX I called them to make sure they received picture of the check, they said they did not, but all of a sudden they then located the email, XX/XX/XXXX the first I called them again to see whats happening with the case, they said they have received the picture of the check and that within two to three business days itll be credited to my account, today XX/XX/XXXX I gave them a call, they said they had closed the first case and opened up another case and this will again take at least one full billing cycle to complete. I have called 1-3 times per week, their answers arent helpful and have not solved this case, this person that I spoke to this time isnt sure if they will find another excuse to not process the payment. The check amount is {>= $1,000,000}, in the mean time Ive had to make two more payments on this account, first person told me not to pay the balance, however it backfired on me, and now I have to continue making payments.
Consumer complaint received 2019-11-22
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: CITIBANK, N.A. (NJ)

There is a fraudulent {$39.00} charge for a credit card ending in XXXX even though I have not even received this card in the mail yet ( this transaction is dated XX/XX/19 and is copied below ). XXXX was a replacement card for the card ending in XXXX because there was a fraudulent charge billed to that card as well ( the original fraudulent charge was billed to card ending in XXXX on XX/XX/19 and is also copied below ) : XX/XX/2019 Merchant Details XXXX XXXX XXXX, Florida {$39.00} XX/XX/2019 Merchant Details XXXX {$39.00} I have never heard of, communicated with or dealt with either of the two merchants referenced above. When I called Citibank all I got was a replacement card that I was told is being mailed to me. To the best of my knowledge, the bank has not investigated either of the fraudulent transactions listed above.
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

your company failed to provide the required notice of additional required documents within XXXX ( XXXX ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2022-05-20
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. (GA)

I've contacted XXXX & they told me I've never missed a payment, yet XXXX BUREAUS refuses to update me from being listed late payments on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX BUREAUS job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To whom it may concern, I have recently come across unauthorized information in my name being used on my credit report and I would like to file a dispute. This information is unauthorized and I never approved it to reflect on my credit reports. I strongly believe that I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my behalf on my credit reports and I urge that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft on my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. Please investigate these serious matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (DC)

I have received two pre-paid mail notices of overdraft from Truist Bank on one or two accounts that I do not own : 1. On XXXX an overdraft of {$4800.00} on account ending XXXX ; and 2. On XXXX an overdraft of {$3500.00} on account ending XXXX. 

I have no accounts with Truist Bank. I have called XXXX and put a one year freeze on my accounts, and I reviewed my credit report and it shows no accounts with Truist. I called the Truist Fraud Alert phone number and the person I spoke to said that I would have to go into a Truist Bank branch. 

Can you help clear up this issue which seems to be identity theft.