davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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. (FL)

I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
Consumer complaint received 2022-07-12
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: Credit & Collection Recovery Services, Inc. (AL)

I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX of XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I kept getting written notice from Wakefield & Associates, so I finally asked for validating for this debt they claim I owe. They sent me an itemized summary but no signed contract or hippa release. Which doesn't verify this is mines. They also told me in a letter that they will no longer investigate or investigate again after I sent a second letter asking how they got this information. Also XXXX and XXXX and XXXX keep saying it is verified although it proves not to be, I have also sent them the same attachments as included here.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CT)

I requested a loan modification or refinance from Selene Finance. They sent me a list of documents I needed to submit, which I did. Then they requested completely different documentation and " deemed my application incomplete '' and denied it. This has happened at least five times. They refused to process my application for HAMP and HARP. They did not fully disclose the terms of " blind offer '' during mediation. They are in violation of TILA and now the company has been sold I do not know who I need to contact to resolve the mortgage. The company is the worst to deal with. Always a different person when I call. Always an argument. Never able to speak to a Sr. Supervisor. Corporate policy never disclosed and legal grounds supporting company policy never revealed.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX To whom it may concern, As I was checking my accounts this morning, I noticed a charge on my capital1 card. This card is locked with a {$0.00} balance. It turns out I was being charged {$22.00} in interest. But how can I be charged interest on a {$0.00} balance. I called the company on XX/XX/2022 around XXXX eastern time. The agent plainly said she could not remove this transaction for me to pay. Even after going over the dates, she just brushed off as irrelevant : you have to pay. I asked to speak with the supervisor who echoed the previous reply : pay. It was my understanding, if you pay off your balance before the cycle ends, there are no interest charges and no payments due. 

Here are my numbers : XX/XX/2022 - XX/XX/2022 cycle Balance owed : {$1300.00} Balance paid : {$1300.00} [ XX/XX/2022 ] Balance new : {$22.00} ( due XX/XX/2022 ) I appreciate your dedication to this matter and looking forward to any response. 

Sincerely, XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

Due to COVID-19, myself and the co-owner ( Mortgagees ) of a property under mortgage with Freedom Mortgage company ( FM ) got behind on mortgage payments and were approved for a forbearance. When the forbearance was up, we requested further assistance due to the, still very present, COVID-19 economic problems. A loan modification request was entered early XXXX of XXXX and we were approved for a loan modification on XX/XX/2021. It took appx. 50 days for us to get the modification documents to sign in the mail - more than enough time for interest rates to go up in their favor, however we were still grateful and accepted the new rate. We both signed the loan modification package documents in the presence of a qualified/authorized notary and submitted to FM. It is now XX/XX/2021 and we are sending the same documents to FM for the sixth ( 6th ) time. They continually claim that we have not signed the documents in the manner that they have specified. They requested that " Borrower ( s ) must sign their name ( s ) exactly as the printed line below signature line. '' These documents were signed in the same manner our state IDs, passports, all prior loan documents, and any other document for that matter, have been signed. Despite that and the fact that there are so many legal ramifications to demanding customers forge signatures on documents - and with a real sense of duress, considering the circumstances, we signed as they wanted anyway - yet FM and their underwriters are STILL not satisfied with our signatures. The signatures, mind you, have been verified and qualified by an authorized notary on each occasion. Note that we have to pay for notary services each time out of pocket. At this point, I am convinced that what FM and their underwriters are doing is a means to delay action for as long as possible. Why they'd do that, I'm not sure. Perhaps they are hoping interests rates will change in their favor, or that they can continue to collect federal aid, insurance, or whatever else by keeping us listed as COVID-19 hardship customers in their databases. Whatever the reason, I am sure we are beyond the regulatory time limit for processing and this delay has a severely negative impact on our ability to manage our finances properly and care for our families. One of the agents we spoke to [ XXXX ID # XXXX ] who is a very nice guy, and did all he could to help, mentioned that despite the fact that we have not submitted signed documents, the modification is technically approved and will not impact our ability to make payments, refinance in the future, etc. If that is the case, why in the world do we need to sign and submit these documents???? Please help and do everything possible to ensure this complaint is not used by FM to harm us going forward. Thank you.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to follow up regarding the persistent existence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant risks to my financial well-being and reputation. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in my records. 

I urge you to conduct a comprehensive review of my credit file and the procedures and systems used by your organization to manage credit information. 

Furthermore, I request that you prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This may involve verifying the accuracy of the information, initiating disputes with credit reporting agencies, and advocating on my behalf to rectify inaccuracies in my credit report. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address these concerns and provide me with regular updates on the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-04-03
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: BARCLAYS BANK DELAWARE (WI)

I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received a response.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I had a credit card with XXXX  XXXX with a {$300.00} limit. It was not maxed out. I became a XXXX   unexpectedly and could not afford any expenses beyond rent and childcare while I work at the time so credit card payments were out of the question. XXXX XXXX  would not work with me whatsoever. They supposedly sent my debt to LVNV LLC for the amount of {$780.00} which is almost double what the limit even was and the card was not maxed out. I have tried to resolve the debt numerous times but they can not locate my account yet they are reporting me in collections for the amount of {$780.00}. I have disputed this MANY MANY times but they will not rectify the account. XXXX  XXXX and LVNV are both reporting me delinquent which is destroying my credit.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (OR)

My ex-partner used me, my social security number and legal name to commit XXXX fraudXXXX XXXX through his business, and he opened 2 business credit card, maxed it out, without my consent or acknowledgement. He opened, used and maxed out two personal credit cards under my name and social. All of the above statements were for his own personal and financial gain for himself and business. This individual grifted me for two years, took advantage of me and battered my legal name and social ; leaving me in crippling IRS tax debt and overwhelming credit card debt. I was in a relationship with this individual for two years from XXXX to XXXX. The business name was under XXXX XXXX XXXX and XXXX XXXX XXXX. The steps I have taken are calling companies and reporting fraud/identity theft and disputing them through XXXX XXXX or XXXX Credit Bureau XXXX To which no further action as came about calling and reporting the fraud or through disputes with the bureaus. 

American Express XXXX at {$32000.00} American Express XXXX at {$1200.00} XXXX  XXXX Business at roughly {$3900.00} XXXX XXXX Personal at roughly {$1200.00} XXXX XXXX at roughly {$400000.00} or more.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CO)

Franklin Collection Agency has placed a debt on my account, for money I do now owe, to XXXX XXXX XXXX. 
Initially, I called Franklin on XX/XX/2020 at XXXX and spoke with XXXX. I gave her the correct spelling of my name XXXX, XXXX. She did not have anything with the spelling of my name! Next, she asked for my phone number, XXXX XXXX XXXX. Again, nothing came up with my phone number! She asked for my social security number, which I refused to give. Not an appropriate question from what could be a scam. Further, I have read that there are numerous complaints about this company, targeting people saying they owe money for an XXXX XXXX XXXX bill, that they do not owe! 
I called XXXX today and they said to call Franklin Collection, ( which I did again, today ), and ask for a document showing, that they have my correct information. I spoke with XXXX at XXXX XXXX, who refused to provide any documentation. Additionally, she refused to look up my name. 
Franklin collection has numerous complaints and needs to be investigated. Further, I need to have this false claim removed from XXXX. XXXX removed it, but XXXX  said that they need a document from Franklin, that they are refusing to provide. 
Please help clear my XXXX  credit report.
Consumer complaint received 2022-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX XXXX I purchased one tank of diesel from a XXXX XXXX station while traveling. It was {$100.00}. The next day when the payment posted, the balance on the Capital One card was $ XXXX ( I have a {$19000.00} limit ). XXXX XXXX XXXX station # XXXX ran my card over XXXX times. I called XXXX # XXXX and Capital One multiple times throughout XXXX. 

XXXX  Refunded {$100.00} on XX/XX/2022 ... and that is the extent of their action... 

Capital One was completely confused and we could not get in touch with anyone that ever knew what to do. Every answer we have received is, " Let me get in touch with ( insert random person or department ) and I will call you back today or tomorrow. '' We have never received a single call back from any Capital One employee. 

Every time we call it is the same experience of getting someone that has no clue what to do, or what happened to our account ... and being told this same statement that leaves us getting no where. 

By XX/XX/XXXX it appeared that most of the issues had been resolved... but XX/XX/XXXX the purchase adjustments by Capital One started again and after they were done crediting and debiting stuff back and forth ... they had put {$30000.00} of erroneous charges back on my card. 

A couple massive problems are leading me to stop using credit cards all together after this experience ... and the fact that these issues exist and are being brought to light should lead to the downfall of predatory companies like Capital One, and devastate peoples faith in the current electronic monetary system. 

# 1 You should not be able to have charges exceed your account limit... Period.

# 2 With a card being placed on hold, or locked down, or canceled you should not have transactions still going through ... Period. 

# 3 This wasn't talked about during this complaint but I'll throw it on this list. Predatory companies like XXXX XXXX that unknowingly sign people up for subscriptions only to have them canceled after the customer realizes it, should not get the NEW card number automatically and resume a canceled, fraudulent subscription. ( This XXXX happened while our card was locked down and over the limit as well. 

Moral of the story... You have no control of your money at all and neither do they... but that XXXX credit score you have worked hard for a long time to earn will tank overnight because their system is screwed up and ran by XXXX. Don't use Capital One.
Consumer complaint received 2022-07-12
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. (CA)

So, I went to a cardinalship and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Consumer complaint received 2022-07-12
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. (GA)

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : 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 ) 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

EXPERIAN has violated my federally protected rights under the FCRA which protects me from unfair and inaccurate credit reporting practice. You were to ensure the information reporting is in a manner thats fair and equitable to me and you failed to do so. I have sent multiple letters and complaints in hope of getting help rectifying the issue and Experian has been willful and negligent non compliance with Federal law. Attached is a Notice of Intent To A Lawsuit along with the instructions on how to rectify the situation. PLEASE BE ADVISED The Attachment is time Sensitive.
Consumer complaint received 2022-07-12
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. (FL)

Dear XXXX and Transunion, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the XXXX My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only XXXX XXXX agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you XXXX. You play dirty and I demand that you delete the late payments ASAP
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Equifax about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX