davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have XXXX account thats in collections. The accounts are XXXX XXXX XXXX XXXX {$560.00} ) Original Creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( {$3600.00} ) Original Creditor XXXX XXXX. 

The XXXX XXXX XXXX XXXX  was paid in full and creditor agreed to remove the account w/ a XXXX balance from my credit report. The account was REMOVE in XX/XX/2023 and reappeared back on my credit report in XXXX, which DAMAGED my score. I notified TransUnion of the account over the phone only to be told that the information is accurate. How is it accurate when it was TOTALLY PAID OFF & REMOVED in XX/XX/2023 only to reappear? I HAVE PROOF OF THE PAID ACCOUNT IF NEEDED. 

The XXXX XXXX XXXX ( {$3600.00} ) Original Creditor XXXX XXXX is an account I have absolutely NO KNOWLEDGE of. I have ask TransUnion on several occasions via certified mail and phone to verify that the account belongs to me and they have failed to do so. Everytime I call TransUnion and ask have they received a certified letter via mail that requires a signature to receive and it NEVER in my file. TransUnion always try to rush me off the phone without hearing my concern completely out. 

Please investigate these account w/ Transunion XXXX
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint : Issues with Savor One Credit Card Restriction Details : Card Application and Approval : Applied and was approved for a Savor One Credit Card with a {$2000.00} credit line. 
Card Activation and Usage : Received and activated the card. 
Made purchases well within the credit limit ( less than 1/4th of the credit line ). 
Account Restriction : The card was declined the next day. 
Account showed as restricted upon logging into the Capital One account. 
Customer Service Interaction : Contacted customer service for clarification. 
Received vague, scripted responses without a clear reason for the restriction. 
Was instructed to submit the following documents to verify identity : Front and back of the drivers license. 
Front of the social security card. 
Proof of residence ( utility bill ). 
Document Submission and Issues : Uploaded the requested documents via the secure link provided. 
Received a call two days later confirming the drivers license and social security card were verified, but proof of residence was not. 
Initially submitted a water bill with the physical address. 
Submitted a medical bill as an alternative ( both were rejected ). 
Advised to submit a bank statement, which was also submitted. 
Final Outcome : Account was permanently restricted to payment-only status despite providing all requested documentation. 
Complaint Summary : The process of handling my Savor One Credit Card account restriction is unacceptable. If there were any concerns about my identity, such documents should have been requested during the approval process. Despite providing all the requested documents, my account remains " pernamentely restricted ''. 

Resolution Requested : I was eager for the opportunuty to establish my creditworthiness once more and capital one essentially got my hopes up and then just shot me down. I am in total disbelief. This is unacceptable on so many levels to treat a customer this way and with absoloutely no explanation. Everything seems to be shrouded in secrecy, I honestly doubt there really is even a valid reason other than just to XXXX with people. 

When you approve somebody for a line of credit, your essentially stating that the maximum amount of money you are willing to risk on that individual is XXXX  amount of dollars. Why even approve people if your just going to close there accounts? 

What a horrible experience.
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following inquiries were requested to be removed these inquiries are not factual record and they are unauthorized.. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: P&B Capital Group, LLC (TX)

An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.
Consumer complaint received 2023-06-27
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. (MO)

As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. XXXX, Experian, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXX XX/XX/XXXX, amounts XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FCI Lender Services Inc. (CA)

Good afternoon, This complaint is against FCI Lender Services , Inc . The escrow was delayed because of the Buyers getting approval for the Loan. The first XXXX payoff requests were ordered and received within one day. Now, the escrow officer has called numerous times and has been waiting for 5 days. They are waiting for the Final Update and the transaction has funded and recorded. The Escrow officer is being told that they are waiting for the Lender to sign off on the demand. In the meantime there are exorbitant fee 's of {$200.00} per day being accrued. What is the delay? 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST HORIZON BANK (TN)

We have a mortgage thru First Horizon Bank. Which was previously XXXX XXXX then Fist Horizon. We, tried to make a payment back in XX/XX/XXXX We informed that out loan had matured and we would need to pay the loan in full or sale We had no idea that we had ever signed a balloon note. We then asked to refinance and were told they couldn't do that. We proceeded to try to refinance thru XXXX XXXX bank which is a branch of XXXX XXXX XXXX. This has been nothing but huge mess. We have been working with XXXX XXXX ad she has done all that she can to help us. XXXX he can not find a dead of trust for our Property. There was a dead of trust from XXXX XXXX that was released in XXXX. But we can not find one since. Also XXXX states that on our Deed is my husbands sister which she has never signed for. We have no idea where that has come from. We have contacted First Horizon Bank many many times each time they state they will mail the deed of trust and loan documents and have yet to receive anything. They refuse to fax or email. We even went into XXXX XXXXXXXX XXXX and sat with XXXX while she called on out behalf. She was transferred 5 times. They last thing she received was a deed of trust on an old address not even what we asked for. This bank has put us thru months of stress and is ruining out credit. We cant even try to get a loan to refinance with anyone if there is no deed of trust anywhere, Please help us with the next step are we at the point where we need to hire an attorney?
Consumer complaint received 2023-06-27
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. (TX)

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2023-02-03
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. (UT)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home 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. (NM)

I have been trying to get in contact with a live person, company only offers chat and 800 #, chat refers me to the 800 #, 800 number is a automated machine that never connects me to a person there is no email option
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/24 I made a cash deposit of {$5000.00}, however only {$1000.00} reflected deposit. I contacted Huntington and they advised they were aware of this particular ATM issues and a technician was currently en route and gave me a {$1000.00} credit though I needed my full cash deposit available. The agent assured me any fees or costs to me that Huntington would reimburse due to the error being on them and not me as a customer. I thanked her and concluded the call after she created my ticket for the error. However days had gone by and I still had not heard back and my funds were not in my account still and it was time for me to pay my remaining balance on a house I was to move into. Trying my best to explain this to both Huntington and the property owner the owner agreed to give me a 24 hr extension, however Huntington didn't make my funds available in time so I loss my partial deposit on the property of {$3500.00} and Huntington needs to reimburse me for it and they're giving me issues now that it's time to do so as I was promised. Though this has costs me and my family over the {$3500.00} I am only asking for my deposit to be reimbursed while I locate another property again due to their negligence and untimely resolve. Though Huntington provided me a letter owning their error they think its fair to not pay me what it costs me due to their error.
Consumer complaint received 2023-06-27
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. (FL)

In reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, 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 2017-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/XXXX 2013 and XX/XX/XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had XXXX high balances on XXXX Bank of America credit cards. I paid the balance in full on both credit cards. The following month I received a bill for each with additional interest. Obama 's credit card act of 2010 prohibits double-cycle billing.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.
Consumer complaint received 2023-06-27
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. (CA)

I am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my credit proflie.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

A " paid '' Judgement was placed on my Equifax credit report which never should have been there. I began disputing this item XX/XX/2017 with the Circuit Court and then on XX/XX/2017 with Equifax . Equifax disregarded my letter ( s ) and updated my credit report to show a " Balance " of {$930.00}. I did have an account with XXXX XXXX but that account was paid in full and it was never taken to court. I want this inaccurate information removed from my credit report immediately.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2023-01-25
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. (NC)

I do not understand how my XXXX XXXX can drop from XXXX to XXXX on TransUnion and from XXXX to XXXX on XXXX and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only XXXX active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.
Consumer complaint received 2023-01-09
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. (TN)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX 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 instructions
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MD)

I opened a Barclaycard Rewards MasterCard approximately three years ago. As a cardholder, I always made my payments on time ( save for once or twice being a few days late because of circumstances beyond my control, namely hospitalizations ), almost always paid more than the minimum payment due, and I frequently paid my balance in full and then some. I used my card responsibly, especially considering that shortly before applying, I had received a discharge from bankruptcy proceedings and Barclay 's was one of the few issuers to extend credit to customers with recent bankruptcy filings present on their credit report. In essence, Barclay 's took a chance, and I wanted to show them they made the right decision. 

In late XX/XX/XXXX, I attempted to use my card, and the charge was denied. Knowing I had sufficient credit, I called Barclay 's to inquire. I was told my account was summarily closed, and I would be receiving a letter with details. I never received such a letter. However, I attempted to send a message through the online portal asking why my account was closed ( see attached ). I received a response indicating my account was closed due to " delinquency. '' However, there were no delinquencies on my credit accounts. There may have been an account reporting on my file that was delinquent, but it was an authorized user account for which I am not responsible. Barclay 's used information from an account that did not belong to me as justification for closing my account. I am sure Barclay 's will say what they did was perfectly legal, within regulatory framework, etc., etc., and of course, my personal favorite -- which is the catchall/fallback when a company can find no other reason to justify its actions -- " it was a business decision. '' Not only did Barclay 's close my account based on inaccurate information, it appears as though I have been " blacklisted '' from future accounts. While all banks maintain such a list, most deny it exists. However, there are countless missives from former industry employees and customers who explain how they have been subjected to a blacklist. A blacklist is an in house master list of customers and their Social Security numbers who are not to be approved for future credit. I have been made aware of the signs of this policy, which include applying for a product receiving a decline without ever having a credit report pulled. That has happened to me on two separate occasions since my account closure. The most recent occurrence was on/about XX/XX/XXXX. I applied for a Barclaycard Arrival account, and was denied. 

In addition to the above, there were two payments made on my account that never posted, yet both payments cleared my checking account. I brought this to Barclay 's attention at the time, but it went no where. One payment was made on XX/XX/XXXX in the amount of {$500.00}, and the other was for {$1900.00}, also on XX/XX/XXXX. To date, these payments were never credited to my account. Please see attached.