davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (DE)

On XX/XX/2021 we put in an application to remove the PMI on our mortgage. We had done a large amount of upgrades to the property which warranted removal of the PMI. Several times we were told that we didn't submit the appropriate information, which we had submitted multiple times. There has been no communication on the mortgage companies end. All communication has been executed by me and I have yet to receive any callbacks or emails as promised from them. They sent an appraiser to my home TWICE saying they never received the report which was false. We are 6 months in in trying to have the PMI removed from our loan and we still have no correspondence from them.
Consumer complaint received 2021-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed the validity of XXXX different accounts with Experian by mail. One of the accounts is still being negatively reported on my Experian credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that Experian investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Experian headquarters. A response from them has been received and it shows that one account was updated not deleted even though Experian was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX XXXX XXXXXXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX Violated the FCRA and Experian was notified about the violation, but did nothing. The main problem with Experian 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against Experian will be filed soon.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (AR)

On XX/XX/2021 I disputed an account I have no knowledge of on the Equifax website, which is shown as XXXX  in the amount of {$360.00}. After disputing this account, I received an email on XX/XX/2021 stating that the account had been verified that it belongs to me, in which I didn't agree. I then sent a letter to Equifax on XX/XX/2021 asking for the method of investigations and what procedures were used to determine the accuracy and completeness of the disputed information. On XXXX XXXX I received a letter from Equifax with my credit report with the disputed account still on it, stating it had been verified but the method of investigation was not included in this letter.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XX/XX/2023 I received an email from Capitol One that an account had been opened. I was unsure if this was a phishing email or not, so I did not click any of the links and instead called Capitol One using the phone number listed on the website. Capitol One confirmed that an account had in fact been opened with my name. They stated that they would close these accounts ( checking and savings ) and investigate the fraud. I froze my credit and reported this incident to the 3 credit bureaus as suggested by Capitol One. I did not receive a follow up. 

A few days ago I get an email from Capitol One stating that they needed additional information to move forward with my accounts, which I had told had been closed. I again called Capitol One and they transferred the call a few times. Ultimately, I was told that I would have to leave a message and they would get back to me. Given that I did not have the account numbers ( because I didn't open the accounts ) it was difficult to get help. I have yet to receive a return call and it has now been 5 days. This needs to be fixed immediately.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (AZ)

I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight. 

I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAB Receivables, Inc. (FL)

my son attended XXXX XXXX college in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the Credit Adjustment collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.
Consumer complaint received 2022-03-28
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. (GA)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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 : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

FEDLOAN Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account XXXX : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX
Consumer complaint received 2021-12-15
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. (MS)

XXXX and associates says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (MD)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (NJ)

Re : Genesis Card Services or GFS as they are known. 

Last Year I received an pre-approval application, they stated they needed my drivers license. I was given a fax number, but the fax number does work, I was given XXXX. 

I was then asked to mail in a copy of the drivers license which I did, Guess what the priority envelope was sent back marked refused. 

Earlier this month I received another pre-approved credit offer which I applied the same problem again, fax numbers do not work. 

I am now damaged by XXXX credit inquires which achieved false result. 

This card company is bogus. 

The same situation is happening again
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed
Consumer complaint received 2021-05-11
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 (FL)

Hello, I have been a loyal customer of Capital One, I have consistently paid my bill on time and I have a credit card and car payment. Capital one recently prevented me from paying my credit card bill, it barred me from logging into my account and paying online. It did so despite logging in with the same IP address as always and getting the password correct. As result of Capital One barring me from making a payment, I incurred a late fee. 

I proceeded to attempt to pay over the telephone, however Capital One unlike every other credit card company does not have an automated payment over the phone, capital one requires you speak to customer service. Capital one incredibly then refused to process my payment, claiming that they had to right to refuse payment because I was " rude ''. This is pretext. As result of Capital One 's actions I have incurred late fees on my account, eventually I was able to pay online after I replaced my cell phone and retrieved my prior number, something which took several weeks. 

I would like the CFPB to investigate Capital One, I have read accounts of the same problems from customers online where Capital One arbitrarily denies the customer the ability to pay and then they incur late fees and sometimes their account becomes delinquent. Capital one profits from late fees and other fees when customers are unable to pay their bill.
Consumer complaint received 2019-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/XXXX We suffered a substantial loss of income. Our first mortgage was modified by way of interest reduction. However, the second proposed literally a XXXX-dollar reduction in payments for which we could not afford. From then until XX/XX/XXXX of this year there has been no communication between us. On XX/XX/XXXX, I reach out to them in order to make arrangement to settle the load as after all the past years we have finally recovered. 
The process started via XXXX Teller ID : XXXX instructing us to submit a loan modification for which we did. I believe the process took the better part of a month before them concluding we were limited to either a short sale or complete loan payoff. 
After reading the entire package I decided to enlist the help of a certified VA HUD consular. At his request, I filled out the necessary third party authorization forms and submitted them to the consular as requested, he, in turn, submitted the signed and submitted them to SLS. 
The HUD consular advised us to resubmit a new request for a loan modification. I attempted to locate the forms on SLS 's website and was unfortunately unable to do so, which resulted in a phone call directly to SLS. At that point, I was advised there would be no need to do so as they already had our information and that is was being reviewed. 
On a correspondence letter dated XX/XX/XXXX SLS stated they were in receipt of our request for assistance and have determined the application was complete as of XX/XX/XXXX and that they were in the process of reviewing, however, today while on the phone with both our consular and XXXX an SLS teller the insisted there was no review in process. Please see attachment number 1. Additionally, it should be noted that SLS denied receipt of the third party authorization on the phone during today 's conference call. I found as you will see in the attachments the process to be confusing with them saying how much they want to help on one hand and giving unreasonable solutions on the other.
Consumer complaint received 2022-03-28
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. (TX)

XX/XX/21 - Mailed Multiple request to remove invalid inquires XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX none were removed
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Both of my accounts at M & T Bank were frozen due to a delayed tax payment to the IRS. I did not receive any alert from M & T that I would not be able to access my funds. After waiting about one month for the IRS to process my payment, they confirmed on XX/XX/XXXX that the payment had been cleared. 
I called M & T Customer Service onXX/XX/XXXX to ask if my account was still frozen and after being on hold for a while, I requested to escalate the issue to a supervisor. I spoke to a Mr. XXXX who advised me that he would look into the situation and get back to me on Friday XX/XX/XXXX " by noon. '' I called on XX/XX/XXXX shortly after XXXX because I had not received a call and was on the phone with Mr. XXXX by XXXX. He called the IRS while on the phone with me and confirmed that the hold on my account was released and my accounts would be accessible by Wednesday, XX/XX/XXXX. 
On FridayXX/XX/XXXX, went to the XXXX M & T branch around XXXX and told a teller that I wanted to withdraw money in addition to closing my account. The teller told me that I would need to speak to a personal banker. I waited about 35 minutes for a personal banker but needed to go back to work. At no point did someone look up my account or suggest seeing a teller to at least withdraw money. After returning to work, I called both the XXXX and XXXX branches to see if I could get an appointment with a personal banker that afternoon. XXXX at the XXXX branch and XXXX at the XXXX branch both told me that the personal bankers would not see any customers- unless you have an appointment- after XXXX ( even though the bank closes at XXXX ). 
On XX/XX/XXXX, I made arrangements to leave my Saturday job early to go to the bank prior to the XXXX closing time. I arrived at the bank between XXXX and XXXX and was told by XXXX that all of the tellers were closed and I wouldn't be able to withdraw any money. At the mention of me closing my account, she set up an appointment with me for an " account review '' ( scheduled for Monday XX/XX/XXXX at XXXX ). 
Knowing I wouldn't be able to leave work again for the bank, I tried to arrive first thing in the morning on Monday XX/XX/XXXX to withdraw money. Having hesitation after all of the trouble I've experienced, I called M & T Customer Service again to confirm that I wouldn't have any issues. At around XXXX a customer service representative advised me that there was still a hold on my account. 
On XX/XX/XXXX, I called the IRS and confirmed again that the hold had been lifted from my account on XX/XX/XXXX. I called both the XXXX branch ( spoke to XXXX ) and M & T Customer Service to see what I needed to resolve this issue and they told me that if I requested a transcript from the IRS and brought it in, that would resolve my issue. 
I was told on XX/XX/XXXX that my account would be unfrozen by XX/XX/XXXX and it is now XX/XX/XXXX and the bank is advising that I wait up to 10 additional business days for my transcript so that they can unfreeze my account.