davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My account at capital one was closed due to bank policy. In my Inquiry of what this bank policy was that closed my account, nor agent or manager could explain the bank policy that caused my account to be closed. Since opening my account, my balance has been paid in full every month and I was even given a {$300.00} increase on top of my secured amount. Due to this closer and how it will appear on my credit report, it will now effect my chances of getting a home loan. My account balance was paid in full XX/XX/XXXX which is before the due date and suddenly closed without notice XX/XX/XXXX.
Consumer complaint received 2020-07-25
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-23
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 (OH)

Ive had ongoing issues with Cap one witt cards, Ive paid off all cards witt cap one except my journey has a XXXX balance out of XXXX, they reported today my credit usage was 98 percent when I paid off more than 2 weeks ago, they did wave the fees on the last one I submitted to u guys!! Not sure why they like to mess with me!!! Trying to get my score up, but they insist reporting incorrect info!!! Ive also paid many fees I shouldnt have,
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX, XXXX, and Experian have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Consumer complaint received 2021-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Person selling concert tickets gave me fake information and somehow managed to duplicate one transaction into 4. More phone numbers are using the same method of scamming through app called " XXXX XXXX  XXXX. '' Selling band " XXXX '' tickets at XXXX XXXX XXXX  XXXX on various dates. 
Phone numbers in addition to one who scammed me : XXXX XXXX All out-of-state land lines demanding to use Zelle for payments for same events.
Consumer complaint received 2018-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

We just received our annual Escrow Account Disclosure Statement and we are concerned that LoanDepot is not accurately stating the status of our escrow account. Facts : - Beginning XX/XX/2018 our Escrow payment went from XXXX to XXXX an increase of XXXX - The new Escrow Disclosure Statement states we have a SHORTAGE in our Escrow account based on projected expenditures ( taxes and insurance ) because our new escrow payment beginning XXXX XX/XX/2018 is XXXX ( a reduction of XXXX ) but to JUSTIFY the SHORTAGE claim are adding a SHORTAGE escrow amount to the XXXX of XXXX for a total of XXXX ( a XXXX reduction to our original escrow payment of XXXX. 
We feel LoanDepot is attempting to cover up the OVERCHARGE of escrow from XX/XX/XXXXto XX/XX/2018 by CREATING an intentional shortage for the next year when in reality they did OVERCHAGE our account significantly. It looks like they are now attempting to cover it up by creating a payment schedule that makes it look like there is an actual shortage to the account when there would be a HUGE overage if the original escrow payment of XXXX remained in effect ( copies of the disclosure statement are enclosed ). They have even offered us an opportunity to pay-off this fabricated shortage by paying XXXX in advance which would keep our escrow payment at the new fabricated payment of XXXX. We believe this type of financial bookkeeping is not right and may not  be legal.
Consumer complaint received 2022-06-15
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. (CA)

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( EXPERIAN ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXValidate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (FL)

Under 15 USC 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 per the consumer to whom it relates : XXXX  ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX  never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (IL)

You had an XXXX XXXX XXXX  account with account number XXXX. 
As of XX/XX/2008 {$400.00} Between XX/XX/2008 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$400.00} That this is an attempt to collect a debt
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with bank of America and second mortgage with XXXX XXXX XXXX. Both first and second mortgage financed through countrywide mortgage between XXXX and XXXX. During the financial crisis of XXXX, we applied for loan modification with bank of America. Per bank of America they would not modify the second mortgage until the first was modified. The bank insisted that until we are behind on the first and second, they would not consider us for modification. 
Subsequently we were behind on the first and the second and reapplied. Unfortunately, our mortgages were not modified even though bank insisted that it was modified. our interest rates on both mortgages was and is still at 6.5 %. We are current on the 1st mortgage and defaulted on the second. In XX/XX/XXXX bank of America offered us a settlement of between {$75000.00} and {$78000.00} on the second, unfortunately we did not have the cash and in XX/XX/XXXX the second mortgage was transferred to XXXX  XXXX XXXX. 
The above information was shared with XXXX XXXX law and the offered to assist. 
Total payments made to the Law firm to-date {$3100.00} as follows : XX/XX/XXXX {$490.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1500.00} I requested for document submitted on my behalf from the banks and the QWR and they neither responded or even acknowledged my several attempts to receive the requested documents. 

Furthermore, because of the high interest of 6.5 % we are still paying on the 1st mortgage, Bank of America is not interested in modification of the 1st mortgage. We are stuck at this time. This has been ongoing since XXXX with no solution in sight.
Consumer complaint received 2022-05-04
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: Prosper Marketplace, Inc. (NH)

On XX/XX/2022, I made a statement balance payment of {$620.00} to Prosper Marketplace Inc. credit card, to bring my balance to zero and my available credit back to the full credit limit amount of {$1000.00}. On XX/XX/2022, ANOTHER payment was made to Prosper for the same amount of {$620.00}. That means there were two payments made or for one balance. I had fought with Prosper card for over a month, with emails and XXXX phone calls, and there was no resolution in getting one of the payments refunded from them back to me. I finally called my bank, XXXX XXXX, to get one of the payments returned to me. XXXX got that payment refunded very quickly. 

Prosper app is now stating I have a balance due of {$620.00}. I have not used the card since having all of these issues. I sent an email to XXXX on XX/XX/2022 asking why there was a balance on my account when there was none owed. The email response back was that they were sorry my card got declined ( I didn't even know that Prosper put my card on hold ) and that there was a balance because there was a payment returned from the bank. 

I called customer service and they stated that there, in fact, is NO statement balance or the current balance of {$620.00} and they told me I had to wait for the app to clear up. I also asked why my card was on hold and the rep couldn't answer my question, and she would send a report asking why the card was on hold. I asked to speak with someone about my card being on hold and she said there is no phone number or any other way for communication other than just waiting for an email from them. The reference number is XXXX from that call. 

With all of my experience with the refund issue never getting resolved, I am doubtful I will get a response back on why my card is on hold and doubtful that the false balance will clear up on the app. I have read a lot of reviews on XXXX  and a lot of other people were having similar problems. I have also submitted a review to XXXX  and a complaint. 

I am worried that this balance will not clear up on my app and they will charge me late fees as well as affect my credit score and payment history.
Consumer complaint received 2020-11-06
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: Riverwalk Financial Corporation (NC)

I have a loan with DEVILLE MGMT ( Original Creditor : XXXX XXXX  ) and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEVILLE MGMT ( Original Creditor : XXXX XXXX ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (SC)

I have a loan with Wells Fargo Bank. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Wells Fargo Bank with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I received a letter from Chase Card Services stating that they would be taking negative action against my credit line based on an unsolicited credit review of my account. In the letter, it clearly stated that if I wished to preserve my rights in disputing the finding that I must send a reply in writing. 

On XX/XX/XXXX, I sent a letter providing additional information disputing their findings and providing additional information. 

Only XX/XX/XXXX, I received a phone call informing me that if I wished to dispute the negative action on my credit that they require that I wave my rights to have my dispute be handled in writing. I informed Chase that I had no intention of waving my rights and informed them that I want my response in writing. I then wrote another letter to them stating that I do not wave my rights to having my dispute handled in writing. 

On XX/XX/XXXX, I received another letter from Chase stating once again that if I wished to dispute the negative action on my credit that they would not handle it in writing but I would instead need to call them. In the letter they said that this action was being done, " to be fair '' ( no explanation of how waving my rights of my dispute in writing is supposed to be fair ).
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CO)

Received a call from a XXXX  collector whom verified my XXXX  address, told me XXXX  is not a closed border state when it is. Continued collection efforts. XXXX falsely verified they can proceed collection efforts in a closed border state of which they don't carry a license to collect. Mailed debt validation to my XXXX address.
Consumer complaint received 2021-10-23
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: Bread Financial Holdings, Inc. (PA)

In XXXX i communicated with the company about the unauthorized inquiry. They said they would contact XXXX about removing it. On XX/XX/XXXX I received the confirmation letter from XXXX stating it was deleted, but yet its still reporting on my profile. 

Inquiry date : XX/XX/2019 - Comenitycapital/XXXX
Consumer complaint received 2020-07-25
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: Ability Recovery Services, LLC (MS)

I have a loan with ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Bank of America blocked my home equity account after I payoff the home equity loan and referred my account to the credit agency whom classify me as a delinquent which cause my credit score to decrease drastically. I tried to resolved it with the the bank home equity release department and customer service to no avail.I spoke with many employees from the bank before I can receive their fallowing Case # : XXXX  # XXXX XXXX, XXXX, XXXX, XXXX XXXX from them, whom agree with my investigation that reveal that I dont own the bank XXXX $ and that the payoff department fail to properly distributed the money and the interest that is due to the appropriate unit .I have extra XXXX still pending in my account.
Consumer complaint received 2021-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Collection is not from the original creditor. Jefferson capital systems at XXXX XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX have been sending me collection notices for the amount of {$7900.00}. The collections are being reported past due. I do not know either of these companys and have never done business with either of these companies. Neither of the two companies have a contract with me with my signature.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have a loan with PNC BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX  and PNC BANK with no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part.