davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In response to your previous correspondence, Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In compliance with these laws the account that was not disputed by me needs to be reported. In regard to your claim of an alleged debt, in which you responded with furnishing deceptive forms in the form of monthly statement ( s ) pursuant to 15 U.S. Code 1692j, My affidavit still stands and must be rebutted line by line starting with jurisdiction any other response is not lawfully sufficient. Thank you
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (CT)

Pulled credit report and found I owed a debt for XXXX XXXX XXXX XXXX XXXX that was being serviced by a debt collector, Commonwealth Financial XXXX. I called to request a debt validation. They refused to send me the validation because they stated it was already sent once. They could not provide contact information for original debt due to HIPPA. I should be allowed validation on a debt that is listed on my credit file.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion says they investigated my account and how do these wrong things remain on my report hard inquirys i never made XXXX  to be exact with XXXX XXXX XXXX bank i did make XXXX XX/XX/XXXX but others i didnt on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX were made by someone else please investigate that
Consumer complaint received 2023-04-03
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My mortgage with NewRez, LLC is a refinance. I had homeowner 's insurance in place before refinancing and have maintained it throughout the life of the mortgage without any lapse or missed payment. I have also made every mortgage payment in full and on time. 

On XX/XX/XXXX, the bank took {$1100.00} out of my escrow account. The notation states " XXXX XXXX XXXX ''. On XX/XX/XXXX, the bank took $ XXXX of my escrow account. The notation states " XXXX XXXX XXXX ''. In both instances, this was an improper conversion of money held in trust in an escrow account. As noted, the property has been fully insured at all times and all payments were made by me to insurance. 

I first spoke to a customer service representative about this on XX/XX/XXXX. I have talked to XXXX XXXX, Team Lead, XXXX XXXX, Team Lead Supervisor and XXXX XXXX, Supervisor. Ms. XXXX refused to let me talk to her supervisor, XXXX XXXX, XXXX and would not give me contact information for anyone so I have no option to follow up with anyone ever.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off a balance for deletion and it was not removed from my account. The company submitted all the information to TransUnion and they reported this file inaccurately for 2 months. I have the documentation to support and the refused to help and to me that is not fair reporting and should not be allowed to do that to consumers
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

This letter below was sent on XX/XX/XXXX and we were ultimately told on XX/XX/XXXX that we'd have a response by XX/XX/XXXX from the lender, US Bank. To date, they've not offered any remedy to our initial letter from XX/XX/XXXX. 

XX/XX/XXXX VIA CERTIFIED US MAIL US Bank Home Mortgage  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and US Bank National Association  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX RE : Loan # XXXX Acct. # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX Dear Sir/Madam : Please be advised that this law firm represents XXXX XXXX XXXX and XXXX XXXX XXXX with respect to their claims against US Bank Home Mortgage. 

The XXXX had worked with your XXXX Ohio XXXX to refinance their home. The goal of the refinance was to consolidate debt of a first and second mortgage and to payoff their home in 10 years. The loan officer, XXXX XXXX XXXX, showed they could lower their monthly payment and accomplish the goal. On or about XX/XX/XXXX, a closing disclosure was furnished to Mr. and Mrs. XXXX showing a monthly payment of {$1900.00}. Based on this information, they consummated their refinance and closed on or about XX/XX/XXXX and disbursed on or about XX/XX/XXXX. Within the monthly payment of {$1900.00}, was an escrow of {$240.00}, of which {$150.00} was the amount stated for real estate property taxes. Apparently, an error was made by the loan officer and all the  way through the checks to closing and the tax amount only represents half of the amount needed. In Ohio real estate taxes are charged semi-yearly, which has been the case over 100 years. 
US Bank Home Mortgage US Bank National Association Page 2 XX/XX/XXXX Recently, the XXXX received an annual escrow account disclosure statement which shows that they have a shortage of {$3500.00}. Keep in mind that all payments have been made timely and that the half year tax amounts actually went down in XXXX. They are now $ XXXX/half and last year they were $ XXXX/half. 

The XXXX believe that but for the negligence of US Bank they would not have refinanced their home. Also, the XXXX  were trusting their lender to handle their paperwork accurately and to use all due diligence to correctly address establishing escrows and disclosing the proper payment information. 

We would like to request that US Bank remedy this situation in either the following manner : 1 ) Waive the escrow shortages and begin a payment starting XX/XX/XXXX with the correct amount ( without arrearage ) and a check to the XXXX  for {$500.00} for their legal costs and trouble ; or 2 ) Refund to them all payments made and make them whole to refinance with another lender. 

You have 20 days to respond to our requests. I have advised the XXXX  that if you can not resolve the matter to their satisfaction, they should file a claim with the Consumer Financial Protection Bureau and we may bring a lawsuit for damages against US Bank. 

Very truly yours, XXXX XXXX XXXX RS/rcs cc : Mr. and Mrs. XXXX XXXX
Consumer complaint received 2019-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 2 inquiries within the last few weeks that I did not authorize. One for XXXX and the other is for XXXX card services both take place in XXXX XXXX 2019. I went to XXXX but they did not see anything on file for my name. 2 hard inquiries within a couple of weeks that i did not authorize leads me to believe that I am a victim of fraud.
Consumer complaint received 2019-07-24
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: JPMORGAN CHASE & CO. (CA)

CREDIT BUREAU LATE PAYMENT DISPUTE with Chase XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Dear Sir or Madam : I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of Chase for nineteen years. Ive always made my payments on time, but unfortunately, I recently made a mistake on XX/XX/XXXX. 

I understand how important it is to make timely payments. However, I missed my payment because my husbands XXXX XXXX that was in remission came back. I had turned off my auto pay with the intent to pay my balance in full and missed both my XXXX and XXXX payments because of the stress of the XXXX my husband underwent. As soon as I realized my mistake, I paid the balance in full of {$3900.00} on XX/XX/XXXX. 

As a person with a credit score of XXXX all of my life, I have never missed a payment to Chase, or any other creditor. As you can see from my account history, I have a long record of on-time payments before and since the late payment. This mistake cost me over 60 points on my credit score and I am sick about this. 

As a courtesy, I respectfully requested that Chase make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Although Chase sympathized with my cause enough to credit me the {$39.00} late fee, they have still reported my credit account as delinquent and this is affecting my credit score. At one point, someone at Chase told me that they would see what they could do. When they forwarded my case to their Credit Bureau team, the team would not help me. I have been a pay-in-full customer for 19 years, and because of this relationship and record, I have asked for a goodwill gesture to remove the delinquent note, and they have refused. 

My track record is proof that I take my financial obligations seriously and I implore that you help Chase XXXX see that I am a customer worth offering this gesture of goodwill this one time only. 

This behavior from Chase makes me want to stop using Chase, even if I can't close the account. 

If you have any questions, or if you would like to speak with me in more detail, please call me at XXXX or send me an email at XXXX Thank you for your consideration, XXXX XXXX
Consumer complaint received 2019-07-24
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: NEW CITY FUNDING CORP. (MA)

Theres an account that was included in my bankruptcy that wasnt suppose to be, I had an auto loan with New City Funding around 2016, I paid the loan in full as agreed but for some reason that account was included in bankruptcy and that isnt correct, I contacted New city funding and asked if they can update the account on my credit report to say paid as agreed never late but they didnt seem to care because the account still has the same status of discharged in bankruptcy. I want the account updated or deleted from my credit report.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have an account with Experian and even paid extra to get the range of possible FICO scores on my report so I could apply for credit cards between XX/XX/XXXX - XX/XX/XXXX. I used affiliate links through XXXX, XXXX XXXX and Experian that gave me approval chances of above 95 % and was rejected by all of them except the ones that came from Experian 's affiliate link with the highest APRs and annual fees. The rejection letters all cited Experian as their source and contained different scores for the same product ( credit cards ) applied on the same day, none of which matched the score given to me by Experian. 

The score given to XXXX XXXX and listed as their reason for decision is lower than ANY reported FICO score obtained on my file from any source. XXXX  listed a recent and severe delinquency supplied by Experian, which is also untrue as the only negative item occurred in XX/XX/XXXXand has been disputed ( will submit on another complaint ) and XXXX  XXXX listed too many inquiries but only when I applied for a XXXX  XXXX business card account through XXXX. The personal XXXX XXXX card I applied for via Experian on the same day instantly approved even though they had the same APR. I also got instantly approved for a XXXX XXXX personal card via Experian that day with a whopping {$400.00} limit. I've never had a card that small in all my 22 years of handling credit cards with limits past {$10000.00}. Hmmm ... I've been left with no business card for my new business, the only product I really wanted but can't get since Experian doesn't offer them and I can't meet their 5 personal card minimum to release me from their partner status quo regardless of my willingness to accept their awful deals because they didn't match me with enough qualifying offers and have provided bad info to everyone else who could. The fact that I've paid Experian TWICE for my bankcard FICO scores and still don't know what they really are since they tell everyone something different on the same day is unacceptable as is the fact that I got two of their advertised partner cards and they STILL kept sending bad info to any application not linked from their site. Oh, and beware of their Boost  propaganda that fails to tell you if you pay your phone or utilities with a business bank account rather than a personal one, they don't give you points for it. I had to call 3 times before I got an agent who told me why my Boost wasn't working even though my bank accounts are connected. What's with the small business sabotage and discrimination?
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a checking account open with Bank of America that my sister and I would use to store funds for my parents as they're both retired. In XX/XX/2022, we were notified by mail that this account is now closed, without any valid explanation, and that there was an investigation. 

There was more than {$3500.00} in that account. 

I called multiple times and couldn't get any clarity on why the account was frozen or how I would receive the funds. All I'm told is that there's an investigation and that I should expect the funds to be mailed within 30 days, but we're easily past the 60 day mark at this point and the funds are still frozen. 

This has caused a major headache and financial strain for my family as these funds were used for daily essentials and bills.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK (LA)

XXXX  XXXX XXXX, XXXX XXXX, LA obtained a loan from XXXX XXXX, XXXX XXXX, CA whose lender was XXXX XXXX XXXX, same city who has gone out of business and sold my acct. to XXXX XXXX, XXXX, MA. On XX/XX/XXXX I contacted XXXX XXXX. XXXX  for a loan pay out quote. The quote of {$5300.00} was given and good until XX/XX/XXXX. On XX/XX/XXXX a XXXX  XXXX cashier 's check # XXXX was delivered to XXXX on XX/XX/XXXX.On XX/XX/XXXX til present day I have been unable to speak with anyone at XXXX XXXX  who knows why my acct. has not been paid out and where the XXXX XXXX truck title is located. On XX/XX/XXXX XXXX XXXX called First Republic Bank, XXXX XXXX, CA where the cashier 's check was deposited on XX/XX/XXXX, cleared the bank on XX/XX/XXXX to a bogus acct. First Republic Bank has no acct listed on the back of check. Please help me get my truck title back and investigate this fraudelent activity. 
Thank you. 
XXXX XXXX XXXX, owner XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, LA. Phone # XXXX Email - XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This a complaint against Capital One Quicksilver Credit Card, case number XXXX. Capital One bank is playing pranks regarding this dispute. This dispute has been ongoing since XX/XX/2022. After the initial complaint, capital requested in an online latter dated XX/XX/2022, that I provide a signed letter of my complaint and other documents to support my claim ( see attached document XXXX ). I replied to Capital the next day XX/XX/2022, faxing the signed letter and the documents received. Capital One on XX/XX/2022, responded acknowledging that they received the letter but that the document I submitted were invalid ( see attached document XXXX ). That was when I reported this issue to CFPB, and Capital One then responded by actioning the claim and refunded the money on XX/XX/2022. However, on XX/XX/2022, Capital one wrote to me stating that they are recharging me the amount for the claim and then asked me to send then the same signed letter and supporting documents ( word by word - see attached document XXXX ) they had requested on XX/XX/2022, that I sent to them on XX/XX/2022, which they replied on XX/XX/2022, that those documents were invalid. This has been the behavior of Capital One Bank, continue to show incompetence and unprofessionalism on every count. Obviously, this shows they are on the side of this merchant that collected money for services not provided and refuse to honor the refund in a purchase that was insured. I stand by my right for the partial refund of the amount of {$480.00} of the total {$3500.00} that paid. I have provided all the document that Capital One asked me to provide and it is in their possession. However, they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

This is an able account for XXXX ( the nick name is XXXX ). We closed it as they kept charging fees. The condition for no fees is to have {$250.00} which we did or/and be paperless which we were. They backdated fees for a year and refused to refund them, we have had a balance among all accounts over {$250.00} and also been paperless the entire time. There is a state fee but this is the bank fee we are referring to, not the state able account fee. The bank charged us on top of the state fee. It was unreal! They refused to refund us on this special needs account! We want our monthly fee reimbursed. We have moved all money for both our able accounts away from fifth third.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

On XX/XX/2019, I mailed the request form for my credit reports through XXXX XXXX.Their letterhead on THEIR request form.Approx 2 weeks later, XXXX comes through, great.Approx 6 days later, XXXX comes through, great.Now, approx 33 days later, Nothing from Equifax, no letter asking for additional verification, which a pers on could reasonably expect.Calling one those credit unions, as most of us know, means many hours on hold, I did that too.I had hoped Equifax MIGHT notice the other 2 did.A t XXXX, US citizen, never left country, not a felon, just a blue collar worker who worked his w hole life.Their is not even 1 good XXXX  reason for lack of report.
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

The guidelines Mr Cooper home loans gave me to prevent foreclosure were as follows. You have to have a complete modification package submitted before 37 days of the foreclosure sale date, XX/XX/XXXX. I did that, and they pushed the sale date back to XX/XX/XXXX, and told me that I need to have a luxury bill by XX/XX/XXXX to complete the process. I did that, and 3 weeks went by without a word, so on XX/XX/XXXX, I contacted my mortgage company. They told me the modification was denied XX/XX/XXXX, and the letter is set to be mailed on the very day I called, and because of that, I can go ahead to the next step, which is a short sale, and if that doesn't happen, I can apply for a deed in lieu, but it has to go in that order. I tell the representative that's fine, and ask what I have to do to start the short sale. She tells me that it may be too late for me to continue with the process because my new sale date is XX/XX/XXXX. They didn't complete the process in time for me to meet their deadline. Can u please help me. I feel like I've been destined to fail.