davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
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 (OK)

I have 5 accounts with capital one. I called to make payments over the phone. My internet was out for over a week. I explained this, however my bills were due on XX/XX/2020 so I was still on time. Rep took payments and sent me e.mail confirmation which says XX/XX/2020 XXXX XXXX I have a screenshot of my call log as well. I went to pay my other 2 bills today, XXXX, XXXX 2020 Fri, and Paid and it said it would post XX/XX/XXXX. every account has a late fee.. I talked to 2 people and a Supervisor XXXX, she says XXXX. She refused to let me speak to another manager. I am an essential worker, I work until about XXXX XXXX  I pay my bills the date it is due .. they are saying there is a cut off time.. my bill says the XXXX,,, there is no cut off time and the XXXX is the XXXX until XXXX  until it is the XXXX how is this legal? integrity issues and rip of scams how is this allowed..
Consumer complaint received 2022-05-02
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : 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 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 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 XXXX
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Performant Financial Corporation (IN)

The company Premiere Credit of North America LLC has placed an levy on my bank account. I have reached out by phone over 50 times to no avail. The phone always goes to voice mail and I have yet to receive a call back. I have went to the office location XXXX XXXX XXXX, XXXX, IN XXXX several times during set business hours to no avail. The office is always dark one XXXX  XXXX XXXX sits in the far side of the parking lot. No one answers the phone outside the office doors to buzz you in. The company seems to be a scam as I have no idea why my assets are being frozen and have no way of contacting set company to find out. I never received any notice for collection through the mail nor by phone. I have lived in the same location for several years and have the same phone number since moving to Indiana 10+ years ago. Their practices seem to be exploiting, unethical and maybe illegal.
Consumer complaint received 2020-06-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I applied for Credit on XXXX-19 and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.
Consumer complaint received 2022-09-03
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX BANK XXXX XX/XX/2022
Consumer complaint received 2018-04-24
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 SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My account was closed back in XXXX  of 2021 and Ive been looking at the same exact amount due even though Ive made payments every month since then, Ive called capital one multiple times and no one can help me, a long time capital one customer. All they care about is what is in there terms and wont go out of there way too help a young struggling father of XXXX  who wants to pay off this credit card but between ridiculous interest, fees and minimum payments cant even knock any money off the account. Let alone capital one completely ruining my credit because they will do nothing to help a struggling customer. I ask that someone can please go out of their way to help a customer who wants to pay this card off but needs some help to work out some type of plan
Consumer complaint received 2019-02-05
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. (AZ)

XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.
Consumer complaint received 2017-07-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC (PA)

We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.
Consumer complaint received 2019-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Customers Concerns : Bank statements XXXX XXXX : Trial ACH payments started with Ocwen Loan Services on the Months of : XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) The Check for XX/XX/2019 {$750.00} and XXXX XXXX money order for XXXX, was cashed for XXXX The check for {$500.00} N.R.C.U and XXXX XXXX money order for {$200.00} and {$180.00} was not cashed yet for XXXX Errors of these Monies has not been deposited and or applied to the same Suspense account as PHH Mortgage Services current Suspense account. Due to Merger and blackout period ; or due to unkowledgeable data entry employees In which has me short on payments and missings payments causing monies to be applied wrong. Resulting as me reciveing a letter of ; Notice Of Default And Intnet To Accelerate 64 days in Default owing {$2900.00} Loan modification : My final loan Documents were signed by XXXX XXXX XXXX XX/XX/2019 and mailed out me. The account # XXXX, has not been properly updated finalized in your system with the correct information. Many Tasks and Notes of have been added to the account on what needed to corrected. 

I feel The Estate of XXXX XXXX XXXX has been descriminated against by multiple departments within PHH Mortgages Services family transfer/ Assumptions of loans.

This matter/ and or loan Modification should have been completed and reflecting the correct borrower 's info. Within your company and with the XXXX County Assessor along with the Name Change and Title Transfer Request. As a Veteran I can not be assisted by other companies because the title and PHH Mortgages data is still referring to the late XXXX XXXX XXXX. 

PHH Mortgage Services Research Department # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Can XXXX I am sending this letter, in regards of the Escrow shortage. I was told by customer service yesterday that a payment in XXXX was rejected, I would like to have this detailed info of the transaction that was declined. 

My concerns : Business that rejected transaction ( XXXX )? 
what type of transaction ( debit, credit Card )? 

The final Modification was done XX/XX/2019 and signed before escrow shortage was analyzed. then loan should be reflecting my name only as of XXXX, my grandmother the late XXXX XXXX XXXX, is still on the account as main borrower, and im still being addressed as C/O ( Care Of ). i am confused how PHH Mortgages family Assumptions and teansfers progress.

Being a Veteran I can not get my taxes exemption because the process of the Loan Modification transferring to my name was postponed because of escrow shortage. The paper work at the XXXX County Assessor Clerk reflects XXXX XXXX XXXX. You have now faced me and my family with 54 days late payments wich caused default. and possible forclosure matters. How can we fix this problem, is what i presented to PHH Mortgages.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my experian credit report. 
After an average of 10 disputes per bureau, XXXX  and XXXX have deleted this account in spite of XXXX XXXXXXXX XXXX ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF XXXX XXXX, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT XXXX XXXX DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO XXXX XXXX FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT XXXX XXXX XXXX " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH 0 BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
EXPERIAN DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND EXPERIAN WHO PROBABLY CAN'T DECIPHER XXXX XXXX XXXX ACCOUNTING RECEIVED ... .OPTED TO SUPPORT XXXX XXXX WITH MORE THAN 10 FRAUDULENT VERIFICATIONS.

I CHALLENGE EXPERIAN TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT XXXX  XXXX .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK XXXX XXXX IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO 0 PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF XXXX XXXX XXXX " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE EXPERIAN WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT EXPERIAN CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT XXXX  XXXX. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.
Consumer complaint received 2022-09-03
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. (CA)

I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. 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 2019-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (VA)

I contacted XXXX XXXX  on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.
Consumer complaint received 2017-07-04
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: EQUIFAX, INC. (NC)

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Consumer complaint received 2022-09-03
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. (MO)

On XX/XX/XXXX I sent a letter requesting that the Credit Bureuas reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, hte Credit Bureaus have failed to respond to my request. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX and # XXXX and I'm including it again. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My home loan was originally with Aurora. I applied for a refinance. NationStar took over Aurora. Aurora staff claimed that they would forward my application to NationStar. NationStar staff claimed that they never received my refi application. I started a refi application with NationStar. I worked for a year and a half with NationStar to get a refinance. I faxed each document they requested twice. NationStar continuously requested documentation that I had faxed to them. During the year and a half that I applied for refinance I had at least a dozen different workers. On one occasion, a NationStar staff said that they received all documentation. Another staff admitted that they were disorganized. As your records show I did submit a complaint. NationStar sent me a letter that they would investigate. I never received any further contact from NationStar. I applied elsewhere and the refinance went without a hitch. I know I have earned compensation for the deep frustration and stress at trying to get a refi with NationStar.

I think NationStar changed their name to Mr. Cooper to give the impression that they were now going to be consumer oriented. I didn't notice any improvement with their customer service.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (MI)

Went into mortgage negotiations and was told XXXX % down required depending on appraisal. Appraisal came back above the sale price. Lender said only option was XXXX  % down XXXX  days before close. He had us raise the sale price to cover some closing costs but then did not increase the loan amount which cost is every dollar in savings. I spoke to the branch and regional manager and they said this was not preditory and said they would call back and have not. They tried to blame me, my wife, my credit, my property and said since this was my first time I misunderstood ...... no, they lied