davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This involves a Capital One XXXX credit-card account. 

Because of the combination of a payment and a large refund done within days of each other in XX/XX/2022, there is a large credit on the credit-card account. After an initial attempt with the issuer 's front line service to see if this credit could be used in a credit-card purchase and being put on hold and subsequently disconnected, I attempted to E-mail Capital One executives about this repeatedly, but have not received any response : XXXX XXXX XXXX XXXX In this E-mail to executives, I mentioned how I was away from my home, and because of the high rate of mail crime in my town, I do not wish for a check to be sent to my mailbox, and that I would hold Capital One civilly liable for any theft of such a mailed check. 

Following this attempt with contact with the executives, I tried again to speak with front-line representatives, and was able to reach a person who claimed to be management at Capital One ( XXXX XXXX ), and said that the only way Capital One is required to disburse the funds is via paper check, even though I have a savings account at Capital One, and thus would make this very easy for Capital One to do, which I believe is contrary to US law XXXX in that the option for electronic transfer is also required. 

I even offered to make a large purchase so as to use the negative balance, but was told by Capital One that such a purchase would not be honored.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates.

My rights was violated a few times.

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Transunion on XX/XX/2021. The 1st account is from XXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Transunion within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to dispute these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CA)

1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 

1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. 
Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent.

Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. After they were not able to verify me on my request they email information marked as bad address. 

Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. 
But the company name I called number is XXXXXXXX XXXX XXXX. 
No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX and blacked out that no one can read. 

Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

When applying to Wells fargo bank i disclosed to the bank officer my current XXXX XXXX   credit scores and to verify if my score would be acceptable for approval. The banker did not disclose to me that Wells fargo uses a different scoring model of XXXX score XXXX and approval would be based upon that factor, which led to the denial of credit.
Consumer complaint received 2018-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I have previously attempted to lower the payments to Navient and they will not allow it. I have been making payments but not the amount they are requiring. I applied for the loans, my daughter is the one that attend school. I'm receiving phone calls at my work number from phone # XXXX.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

IamtryingtodoaabalancetransferfromCapitalOnetoXXXXXXXXXXXXXXXX.XXXXXXXXsendsoutphysicalchecksaspartofthebalancetransferprocessandsentCapitalOneacheckfor{$7200.00}onXX/XX/2019.TheCapitalOnehasnotcashedthecheckandthebalancehasnotbeentransferred.IcontactedCapitalOneaboutthistodayandwastransferredtoatoaseniorsupportrepresentativewhocalledXXXXXXXXona3waycall.Thedateofthecheck,addressandamountwereconfirmedbyXXXXXXXXbuttheCapitalOneRepresentativestatedthattheywouldnotinvestigatetheissue,orseeiftheyhadreceivedthecheckuntilthecheckhadbeencashedbycapitalone.TheXXXXXXXXRepresentativestatedthatthereareanumberofXXXXXXXXmemberswhoarehavingthesameissuewithCapitalOnenotprocessingthechecksmailedtothemaroundthesametimeandareinvestigatingtheissue.NospecificsweregiventomeandCapitalOnerefusedtoinvestigatetheissuecompletely.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible
Consumer complaint received 2018-10-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have requested to remove this item from my XXXX report and the investigation results came back today XX/XX/2018 as VERIFIED AND ACCURATE. But the ACCOUNT SOLD TO PRA. I'm extremely confused what was verified with XXXX and XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I was contacted by company last year for collection on unpaid balance and informed them i never opened the account. I opened a XXXX XXXX credit card for the first time late last year. Never had a credit card before then.
Consumer complaint received 2022-07-21
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-21
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 (TX)

An application was filed in my name to Bank of America for XXXX XXXX XXXX credit card. I received an email from experian On XX/XX/XXXX and XXXX 2022 of an inquiry thru BOA. My wife called BOA and had the card shut down and then she locked down our credit thru XXXX  and others. We were requested to fill out a fraud claim in this site to document the incident.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (NJ)

Arc Home LLC is our mortgage lender, who has failed to pay my Q3 & Q4 XXXX property taxes from my escrow, resulting in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX taking actions to file a lien and proceed with a tax sale. The loan number is XXXX. My mortgage payments are always current & the escrow account is sufficiently funded. I've been sending delinquent tax bills to Arc Home beginning XX/XX/XXXX. Copies of all my correspondence are available upon request. I have been calling Arc Home customer service repeatedly for months and can not get any resolution. Every promise to pay they've made to me has been broken. You never speak to the same person twice & they will not share their last names, direct tel # or email. I have received NOTHING in writing from Arc Home acknowledging my correspondence, or indicating they were even looking into this. Arc 's customer service is HORRIBLE! And it takes on average 4 - 5 minutes to get thru their automated call menu before being able to speak with anyone ( never the same person ). On Monday they told me the problem was they couldn't get ahold of the XXXX Tax Collector, so at that point I called the tax collector myself & put her on a three way call with Arc Home. The Tax  Collector denies ever hearing from Arc Home or receiving any of the emails they claim to have sent her. At this point Arc Home still has not paid the delinquent taxes and refuses to give us any indication when it may be resolved. Arc Home told me to 'disregard the threats ' by the Tax Collector as it is not my property (? ) Is there anything that can been done? I'm now receiving notices of tax  sale from XXXX XXXX for these delinquent taxes. I just want Arc to pay my property taxes! 
In full disclosure - in XXXX we purchased the adjacent vacant lot  ( XXXX XXXX XXXX XXXX, which was legally consolidated with our existing property in XXXX. Copies of the deed consolidation were sent to Arc Home. The XXXX tax assessor did not consolidate the lot & block numbers until XXXX. However Arc Home did agree to pay all taxes & actually did pay the Q1 & Q2 XXXX taxes. This outstanding issue of delinquent XXXX  since XXXX XXXX is on that vacant lot, which was consolidated last year with our existing home / property ( copies available upon request ). 
Please advise what you need from me. Thank you very much for your time. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, cell # XXXX, XXXX XXXX
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

-I called Wells Fargo on XX/XX/22 to alert them XXXX checks I had mailed did not make it to recipient -I researched on the Wells Fargo website and it said for lost or stolen checks, there would be no fee to stop payment on a check, as it is no fault of mine as the consumer that a check got lost/stolen in the mail. 
-I called the XXXX number for Wells Fargo and requested to stop payment on check as it would have to be considered lost or stolen since it was mailed and not received by intended recipient. 
-The customer service rep originally tells me there would be no fee given the circumstances, confirming what I read on their website. 
-The rep put me on hold and returns telling me different information. The rep said she she spoke with a supervisor & I was going to be charging me XXXX fees of {$31.00} dollars, for a total of {$62.00} because it was XXXX checks, despite these checks being lost or stolen, not by own doing. She also said she could not guarantee the stop payment even after being charged the fee. 
-I said I was trying to do right by the bank as a consumer -- I know if a check is stolen and cashed the bank is liable to reimburse me if illegally cashed but I rather stop payment on the check than make the bank liable if it was cashed by whoever stole the check. I then said I was told by the rep there would be no fee and now I am being told there is which is poor customer relations. 
- I was then told there was nothing they can do to help me nor would they waive the XXXX stop payment fees.
Consumer complaint received 2019-05-24
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. (TX)

showing XXXX XXXX never been inaccurate information FCRA violaton must be removed How can Equifax tell us we can not get helped by a 3rd party  with theyre licease and experienced?
Consumer complaint received 2022-06-14
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: Resurgent Capital Services L.P. (CT)

LVNV FUNDING is reporting a fraud account on my credit. I didnt open this account and I am not responsible for it. Please suspend all activity on this account and remove it from my credit. Please see the attached Federal trade Comission report and my driver license.
Consumer complaint received 2021-07-20
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 (OH)

Yes I'm inrolled in capital one program due too my XXXX and going thru hardship. It's on all 3 credit cards. Just Wana make sure not getting any late fees also. I send in what I can afford right now. Wana talk with them also about my account. Maybe can waive interest fees too
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

After reviewing my XXXX, and XXXX  credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company. 
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MI)

Crypto.com lists on their app you can bank wire money and have it available in up to 7 business days. I have sent money to Crypto.com on XX/XX/XXXX and it was taken from my account XX/XX/XXXX. I was expecting to be able to freely use my funds because they money was gone from my account. When I attempted to withdraw, stake, or even transfer my funds I was told I was unable to because my instant deposit was being verified. My bank shows Crypto.com had no problem verifying that my bank account exists and they took my money. I keep trying to contact customer service to which they tell me funds arent available for 7 days counting only week days. Im on their day 7 and still cant do anything with my funds. Crypto.com is extremely misleading by promising your finds to be available within 7 business days when in fact they will steal your money and make your funds unable to be moved from their account for 7 what they call business days.