davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that capital one is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The capital one accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for {$500.00}. I was offered by capital one during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of capital one. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Consumer complaint received 2018-10-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/18. I bank with American Express I have been an honorable customer for years now, and Im not able to receive my direct deposit from AMERICAN EXPRESS SERVE. I get my direct deposit every two weeks on Tuesday around XXXX XXXX and now the company dont know why ANYBODY is not getting their direct deposit there are ppl out there who havent had a direct deposit in a week. Its a national crisis Im not the only one and you will be hearing more of US soon about US not receiving our direct deposit.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (GA)

15 U.S Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

The Fraudulent Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207
Consumer complaint received 2019-02-06
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. (IL)

XXXX XXXX reported an account that was opened in XX/XX/XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with Transunion 3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and XXXX XXXX XXXX said he had until XX/XX/XXXX to remove it. This has not been done.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

My mortgage loan is serviced with Loancare. I have been with them since XX/XX/XXXX. I have been watching my escrow balance since XX/XX/XXXX to make sure my property taxes were being paid. Called once to find out who pays the difference because my tax bill came in higher than I had escrowed for. After spending 20-30 minutes on hold, I hung up and decided to wait and check back in. Logged in and checked my account on XX/XX/XXXX and my escrow balance had not gone down at all indicating my taxes had not been paid in XXXX. Started calling and no one in the escrow dept can tell me why they weren't paid or when they will be paid. Today is the last day they can be paid without penalties and I am currently on hold with the company to listen to them tell me they are " escalating '' this. I have been told this since XX/XX/XXXX and today is the 6th time I am calling on this matter. I am now 39 minutes into the phone call, just placed on my 3rd hold because the escalation person I am now speaking with is going to move it up to a 2nd level escalation.
Consumer complaint received 2022-08-18
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: DISCOVER BANK (FL)

XXXX was installed on my XXXX and laptop computer. I tried several attempts to clear out the XXXX. They can bypass security software. They have installed hidden icons, which cant be located. They ordered credit reports with my credit card. Charged purchases on my XXXX, XXXX and Discover credit cards. Im so confused and frustrated on how to get this problem resolved. I have contacted XXXX numerous times and the manufacturer and XXXX to resolve. They were unable to resolve. This has been going on since XX/XX/2022.
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage has fully taken advantage of me charging additional {$10.00} dollars a month extra this whole time since the I had them for my loan provider. In my state of Missouri, Freedom Mortgage should not be charging consumers extra {$10.00} dollars more making mortgage payments. I spoke to them many times about this situation, and they mentioned we are not charging you these amounts, but unfortunately I call Freedom Mortgage on XX/XX/2020 she mentioned we are charging you {$10.00} more and showing in there system. Also I show them my insurance has been lower and my payments are still the same as last year. They are taking their time to make any changes of lowering my mortgage payment. They receive new escrow analysis last year and they still got me paying the same amount.
Consumer complaint received 2020-02-07
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: EQUIFAX, INC. (TN)

Hello I'm filling this complaint of behalf of Equifax, I have tried couple of times now for 8 years to get my file fix. I keep calling oca to get my file fixed spend hours on the phone and keep getting told that ticket has been open and it has been up please wait 7-10 then told 3-5 days my file gets fixed for maybe few months and then i'm not able to pull my report nor am I able to get a lendor to pull my report saying error not able to pull, I waste so much time on the phone trying to get this matter fixed i'm so tired of sitting on the phone and get nothing fixed and have to agrue with people to get things fix I might get someone that's willing to help me and they get it fixed for maybe 3 days and then my the same issue again I advised Equifax i'm going reach out to seek legal actions. I also pay for a product not able to pull and I can't do a dispute on my file. I will upload the photos to show this matter if possible on next screen. I was told also I have different file and it's hindering me from getting credit from lendors or my rights to credit. I should have to do this for 8 years since I was XXXX  years of age. I haven't able to access credit because of this matter. Please help me!!!!
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (GA)

I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - XXXX & Experian XX/XX/2020 - XXXX & Experian & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - XXXX & Experian XX/XX/2020 - Experian & XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - Experian
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

Have repeated asked creditor for verification of debt under to 15 USC 1292g Sec. 809 ( b ) of the FDCPA, asking for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Address on file for alleged debtor. 
Amount of this alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Creditor has repeated not provided only providing alleged amount. 

I have sent creditor cease and desist demand for phone calls to myself and friends and relatives. Continuing to have harassing phone calls to my friends and relatives.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: ALLY FINANCIAL INC. (OR)

ALLY Mastercard is sending me offers to sign up for a credit card about every XXXX weeks for about XXXXyear. Why are they hounding/harassing me with these offers every XXXX weeks for about a year. WHO is giving ALLY my address? With identity theft, I do not want or ask ALLY for a sending me these constant offers every XXXX weeks. I want it STOPPED.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (MO)

On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

I created a XXXX account and I am having trouble linking my PNC bank account to the XXXX XXXX ( on Mobile and on Desktop ). The message that keeps coming up is saying " PNC has made a change that prevents me from being able to link my accounts. ), but I called PNC bank and they said everything is good to go and that I should be able to link to XXXX XXXX. Also, I've been trying to link for over 10 days now. Please get back to me
Consumer complaint received 2023-07-29
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. (FL)

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Multiple complaints with Comenity bank XXXX 's card, late fees, online bill pay not working, notes on their page saying they apologize for the update to their system still not working ( its been months ) or sorry a technical glitch occurred payment could not be proccessed. 
XXXX made never showing or being deducted from bank account. 
XXXX XXXX same thing XXXX Same thing XXXX XXXX same thing. 
I actually even commented on your page pertaining to comenity back back on XX/XX/XXXX that it was a miracle i was actually able to make an online payment with XXXX, only to find out in XXXX when they started blowing my phone up that i was a payment late, XXXX late fee etc. I argued with the lady and she admitted thayy have had serious issues, understood my frustrations. 
My credit is suffering, my balances not going down because you either cant make a payment, think you did make a payment and they show nothing. Ive already had XXXX complaint in with cfpb, you handled it, however it started all over again. They are absolutely horrible
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
Consumer complaint received 2022-08-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (MA)

As millions of Americans we have been impacted by COVID and our mortgage with Flagstar Bank was put in Forbearance. On XX/XX/XXXX. XXXX we were offered loan modification, however in order to finalize we had to complete 3 trial payments on the following months XXXX, XXXX and XXXX and which weve successfully completed and on XX/XX/2022 we received a package to finalize the modification and bring the loan current. My wife and I signed, notarized and sent the package back quickly. In the meantime, we continued to make payments as instructed and I continued to call the bank at least once a month to make the payments ( since we cant do it online ) and inquiring about the online banking and asking about my loan. 
At no point I was told there was a problem nor received any lette. Beginning of XXXX and during a regular call to schedule my payment the rep shared with me that the loan modification was closed due to me breaking the trial payments?! And the same agent was able to confirm that the info she shared with me was inaccurate and opened up an expedited request to reopen the loan. After a week of waiting and stress I called again to get an update after 5 attempts due to calls dropping I was able to speak with a rep who gave me a whole new story for my loan being closed and it had to do with recording being rejected?!! 
Now, the account was sent to collection department, and weve been getting scary letters with threats to pay all the outstanding balance of over $ XXXX and were in danger of loosing our house! Till this day no one had explained how we got to this and why?! 
I have sent Qualified Written Request ( Notice off error ) on XX/XX/2022.
Consumer complaint received 2023-07-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXT XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
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: DISCOVER BANK (CA)

I have filed fraud activities with my Discover Credit Card, I have provided suspect information along with police report. Discover sent me a letter stating investigation completed and removed all unauthorized charges, however they charged back to my account in couple of weeks later. They did not investigated properly.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (VA)

Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX  Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices. 

I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice? 

This should be referred to the Office of the Comptroller & affiliated parties
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purposes
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Sat. XX/XX/2022 at XXXXpm. I interacted with a hacker impersonating a tenant on roommates.com. They emailed a lease to sign. I sent {$1300.00} via XXXX to secure my room. After I sent {$1300.00} and did not receive a confirmation email from the rental property, I immediately contacted BofA. I reported fraud via phone to BofA. 

I used the XXXX feature on BofA. When I spoke to Bank of America the agent told me the other party where the money was sent was also BANK OF AMERICA. 

XXXX said it was Bofa responsibility. My account is w/ BofA. How can a BofA allow fraud to continue and not be accountable? BofA has FDIC insurance to protect from hackers. 

XXXX is a legitimate website that should be held accountable too. I could not reach them. 

Bank of America said if there is money on the account they will pull it. I received a letter from BofA that my fraudulent claim was denied.