davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-04-11
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 (OH)

On XX/XX/2014, the bailiff threw me out of XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I lost everything. I WAS DISPLACED. THAT MEANS I WAS CONFUSED. I moved from motel to motel. I never could finish anything.

Finally i '' m working on my credit.

I want to pay half of account # XXXX.
Consumer complaint received 2018-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

First off, thank you for your consideration.

I check my credit score using XXXX XXXX, and in XX/XX/XXXX-XX/XX/XXXX I noticed my credit score was extremely low. This was mainly due to 85 % utilization on a Capital One Credit Card. Unfortunately, I do not and have never had or owned a credit card from Capital One. I contested it, and it was ruled to be my debt ( although they did reduce the effect it had on my credit report, knocked it from 85 % credit utilization to 55 % ), however that is not good enough. I have never had an account with capital one, nor a credit card, and XXXX, XXXX, XXXX will not help me in this matter. Since it is a credit and not a debit card, I assume that whoever owns the account that is under my name is signing for purchases ( or has in the past ). Usually debit requires a pin, while credit requires a signature, so there has to be some proof out there that this isn't me.

I've managed to bring my credit score up 105 points in a year and I continue to pay my bills on time and do what I can to repair my credit. However, this mark on my credit is causing a huge hit and preventing me from getting a revolving credit account which would help further my score and get me where I need to be. I have no knowledge of this Capital One Account and I have never owned a Capital One Card, and I would like this matter investigated if possible and the tarnishing mark removed from my credit. I have reached the end of the dispute process with the three major Bureaus and they deem it my debt, however I do not understand how as I have never used a Capital One Credit Card in my life.

I really need assistance in this matter. Any help offered would be greatly appreciated. Again, I apologize for the reiteration, however I don't believe its fair for me to have to pay off a debt I didn't incur. I feel the agencies didn't due their due diligence when investigating the matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synerprise Consulting Services, Inc. (TX)

This collection company has the wrong number. I've requested SCS to remove my  number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of this account
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards under my name with Bank of America. Bank of America was notified in both cases that i did not apply for any credit card with them. 
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards using my name with XXXX XXXX Bank. XXXX XXXX was notified that i did not apply for any credit cards with them. 
I called the credit report agencies and placed both a hold and fraud alert on my credit reports.
Consumer complaint received 2021-12-24
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. (IA)

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion
Consumer complaint received 2024-05-28
Product: Credit 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: BARCLAYS BANK DELAWARE (TN)

Date of Transaction : XXXX Charge XXXX My source is the XXXX of XXXX 's # XXXX sent to me on XXXX XXXX  Transaction # XXXX Card # XXXX Approval # XXXX Reference # XXXX The XXXX 's XXXX sent this information to me via a text from XXXX I have an image of the " Ticket Copy '' via text on my phone. 

*I do not remember his name. 

Barclays stopped a second attempt to use the cards XXXX miles away. 

I was notified by Barclays & locked my 4 accounts/cards I have with Barclays.

I was under the impression that the charge would be removed by the Customer Service person. 

The charge was removed, but was reinstated this month.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (CA)

Continental Finance Company , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with XXXX XXXX yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Mortgage XXXX # XXXX. 
XXXX  XXXX XXXX sold my existing mortgage to SPS Select Portfolio Servicing , Inc . I was notified by mail of this from SPS letter that I received on XXXX XXXX. I immediately mailed SPS their form to handle ACH monthly withdrawals from my checking account to pay the mortgage automatically. 

On Saturday evening XX/XX/XXXX, I received a confirmation by mail from SPS dated XX/XX/2018 that my recurring ACH will not begin until XX/XX/2018. I also received the monthly bill for XXXX on XX/XX/2018. That bill had a statement date of XX/XX/2018 indicating that the due date is by XX/XX/2018 and would be charged a late fee if received after XX/XX/2018. On Sunday XX/XX/XXXX, I attempted to call SPS to pay my XXXX payment due on XX/XX/XXXX by phone. They were closed on Saturday after XXXX pm EST and on Sunday. 
On Sunday XX/XX/2018, I went on line and made the mortgage payment so that it would be paid by the due date of XX/XX/XXXX. I was charged a {$15.00} on line fee. On Monday XX/XX/2018, I called SPS Customer Service Dept and asked if they would credit me the {$15.00} since it was no fault of my own. The refused to do so. I asked for a Supervisor. They still refused. The SPS Customer Service Rep said they could have waived the fee if I paid by phone but not for the online transaction. This is very unfair. I never missed a payment while XXXX XXXX XXXX was servicing this mortgage. I respectfully request that SPS should refund the {$15.00} on line fee to me because SPS sent billing notifications by mail several days before the due date which would not allow sufficient time for my check to get to them by mail in time for the payment due date which would cause me to pay late fees. On my recorded line to SPS on Monday XX/XX/2018, I notified SPS Select Portfolio Servicing , Inc. that I would complain to the CFPB if they did not refund my {$15.00} on line fee. Their contact information : SPS Select Portfolio Servicing , Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX, tel ( XXXX XXXX XXXX.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened. 

On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX. 


***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo closed my account without any notice and obvious billing error. Banks are borrowers XXXX XXXX XXXX therefore with my signature my account became an insured, asset to Wells Fargos ledger. I am a consumer also natural person and federal law protects me from the deceptive practices and XXXX blatant billing errors that have occurred with my open ended, federal reserve funded and insured account.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.
Consumer complaint received 2022-06-11
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 (FL)

I have had a capital one credit card since XXXX. On XX/XX/XXXX I advised capital one that I needed to buy urgent medication for my child in California. The closed my credit card. I immediately sent capital one my drivers license to prove its me. The employees were super unprofessional and non accommodating to help me remove the restriction. Finally XX/XX/XXXX I sent my drivers license again and again and it was Re opened. XX/XX/XXXX I paid my balance in full {$720.00} before my due date. XX/XX/XXXX they sent a letter to my moms address XXXX XXXX w non signature informing me they closed my card and I was rude. Today XX/XX/XXXX XXXX XXXX  informed me they lowered my credit capital one by closing my account and put a permanent remark about me to XXXX for 10 years. This capital one is unreal theyre rude unprofessional and did illegal things to me. Theres a class action lawsuit against capital XXXX XXXX dollars and XXXX XXXX customers were affected by their actions.
Consumer complaint received 2018-03-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

I ADVISED A FEMALE AGENT TO REMOVE A BUSINESS NUMBER BECAUSE THE NUMBER WAS NO LONGER ASSIGNED TO ME BACK IN XX/XX/XXXX. TODAY, XX/XX/XXXX A CALL WAS PLACED TO THE NUMBER THAT WAS TO BE REMOVED XXXX AND THE YOUNG LADY DISCLOSED WHERE SHE WAS CALLING FROM AND REFUSED TO TAKE THE CORRECT NUMBER TO CONTACT ME. I CONTACTED 5TH LOSS  MITIGATION DEPARTMENT THE ONLY NUMBER I HAD READILY AVAILABLE ONLY TO EXPLAIN THE SITUATION TO BE HUNG UP. SPOKE TO COLLECTIONS TO REQUEST A SUPERVISOR ONLY TO BE HUNG UP AND TOLD THAT THEY DONT KNOW WHY THE AGENT CALLED THAT NUMBER WHEN IT WAS REMOVED AND CANT EXPLAIN WHY..
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

After having XXXX XXXX off my account back in XXXX, Ive realized Equifax failed to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification.
Consumer complaint received 2021-12-06
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. (GA)

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to Transunion that 3 Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to Transunion XXXX They also sent documents with proof that credits were deleted. I provided the document received to Transunion and even sent a certified mail and they refused to update my credit file.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Having filed initial complaint around collection activity pertaining to a debt not owed, I received communication that the collection account would subsequently be removed from my credit reports with all three bureaus. Several months later, that has still not happen, and debt is currently being reflected across all three credit reports.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust bank and XXXX XXXX. I had accounts with both of these banks in the past and I am a struggling college XXXX and eventually they got over drafted and they kept charging me fees and I would call and request to stop charging them but they couldnt do anything about it. Eventually each account go so bad that they each had like - {$1500.00} and- {$890.00} respectively. I kept trying to pay them down but never could. They eventually closed the accounts. I lost so much money to overdraft fees.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Hatfield, Inc. (NC)

Grid is a fintech financial service I have used for a few years for VA XXXX direct deposit. On XX/XX/XXXX, I contacted customer service via the app about my account, as I could not access funds. I received a response from Grid stating that there were issues with their partner XXXX XXXX XXXX. After researching the company, I discovered that XXXX has filed for bankruptcy. Grid failed to inform me of this. This information should have been communicated to their customers immediately so they could change their direct deposit promptly. Grid and their financial partners ' actions have caused me major financial distress. I can not pay rent, car insurance, or afford food for myself or my cats. I understand Grid had little control over XXXX 's filing for bankruptcy, but Grid was obligated to inform their customer immediately. They should be held liable.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Savings Bank has placed restrictions on my account which will not allow me to transfer funds FROM my account to another institution and they are placing 7 day holds on funds which they have received that were transferred out of another account. 
They are placing holds on my account and returning checks as insufficient funds ( NSF ) after they have the funds which were transferred from another financial institution and charging me {$29.00} for each NSF. 
On XX/XX/2021, using the USAA app, I transferred funds from my linked account with XXXX XXXX to my USAA checking account. The funds were withdrawn from XXXX XXXX on XX/XX/2021, as of XX/XX/2021 USAA still shows a hold on the funds and has returned checks ( NSF 'd ) which were written from my USAA checking account. 
This has occurred on XXXX different occasions.
Consumer complaint received 2020-12-12
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: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs issued me an apple credit Card through an XXXX account I had separate on my XXXX. XXXX was stolen and i called right away to report it. Unable to retrieve it I endured unauthorized charges to which the company couldnt explain yet Im being billed continuously monthly for charges that are not listed on my bank statement or that they can explain. They told me they cant access the transactions and only I could do it through an XXXX  account I cant get into. This being said, they offered to mail me the itemized statement. I received an itemized statement with no charges shown but a total amount of {$430.00} to Be paid. They wont dispute or close my account