davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following is an explanation of the background and issue I have had with Capital One. 
I had purchased a XXXX vacation program in XXXX XXXX. The XXXX vacation membership program I purchased included a " XXXX '' benefit where the owner would be reimbursed for the time share maintenance fees in exchange for XXXX to have rights to the timeshare for the corresponding week. I submitted my time share for cash exchange and was advised that it would not be accepted since the all-inclusive was mandatory for the time share. This exception was not disclosed to me at the time of the purchase of the vacation membership program. I was also not advised that there was a service fee for the cash exchange and that the week had to be reserved for a specific week of the year. The XXXX XXXX was the primary reason I purchased the membership program. XXXX has not paid the maintenance fee for my time share as they agreed to in the contract. I contacted XXXX after receiving the XXXX email and was advised that they would not honor the cash exchange for my time share. I requested a refund and was advised that they would not refund the charge for the membership. 
The merchant has not addressed the issue during any part of this review. The information they responded with did not in any way address the issue. 
I have contacted the Merchant, XXXX XXXX XXXX XXXX, the merchant, several times and left my contact information. I have not received a return call. My most recent message was on XXXX XXXX, XXXX. I sent an email to the merchant and they did not respond to the issue. 
A second opinion from an attorney was provided to Capital One indicating that the Merchants actions were considered fraudulent in nature. 
A second opinion from another merchant in the same field was provided to Capital One indicating that the Merchant 's actions were considered fraudulent in nature. 
When I learned that the merchant did not disclose the pertinent information about the vacation program to me and because of that I could not use it, I requested Capital One to dispute the charge. I have provided an explanation of the issue and second opinions from an attorney and another merchant to Capital One. All of the documentation requested by Capital One was provided. Capital One has not addressed the issue with the Merchant. The Merchant has not responded to the issue. There is no mention of the cash exchange in the Merchants correspondence. The second opinions clearly state the actions by the vendor were fraudulent. Capital one has not clearly stated why the dispute was considered resolved in their opinion. Capital One has not appropriately addressed this issue.
Consumer complaint received 2019-05-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

per XXXX XXXX website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. XXXX XXXX  was charged {>= $1,000,000} by 42 states in XX/XX/2018 for bad practices. statue of limitations has passed. XXXX XXXX & the company they bought the debt ( one main financial ), must remove
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Started with XXXX XXXX, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : XXXX XXXX Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX, Capital One showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

To whom it may concern, I have a mortgage loan with Fifth Third Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Consumer complaint received 2018-03-22
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: Experian Information Solutions Inc. (NC)

In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My name is  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX , NJ  XXXX , we bought our home in  XXXX   XXXX  and the home needed extensive work which we did to make it our home. I am a   XXXX   XXXX   XXXX   and my Husband is a  XXXX   XXXX , we dont make a lot of money but we always paid our bills on time and prided ourselves on our perfect credit scores. It was around  XXXX  when we were having difficulty with money and struggled each month to pay our mortgage but we paid even if it was a little late until  XXXX  when I made a partial payment, they sent back my partial payment. I had called Bank of America many times and asked for help but they told me that because I was not delinquent on my mortgage that they could not help me, they then said not to pay my mortgage so that I can get help and receive a modification. I didnt know what to do at the time and I tried to borrow money but I had no luck with that, as it turns out I went into defaul on my loan. At the beginning I was receiving phone calls but I didnt speak with anyone out of embarrassment for my situation and then when I finally spoke with someone I had told them that I was receivng a commission check in  XXXX  and that I could pay most of what I owed and again asked for a little help but that never happened, I was told that I can make a payment and then be considered for a program but then they inforrmed me that my payment of almost {$8000.00} was not enough. I then started to work with a few reps at the bank which were less than nice and understanding until finally they gave me someone who cares. I was finally going to get a modification on my loan, after waiting for several months and hoping that I could get a modification they denied me last week. They had told me to go for a short sale, I dont want to sell my home, I want to pay and keep my home. I am also trying to get help from the State of NJ who has a few programs that I will be considered for. I am so fed up with Bank of America, all I wanted was some help to get me through some hard times but they dont care about the consumer. I thought that when they told me DO NOT PAY YOUR MORTGAGE so that you can get a modification I believed them. M y Husband and I are going through a very hard time mentally try to absorb what is happenig to us and we need  some help.
Consumer complaint received 2022-09-07
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)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXXXXXX XXXX XXXX ) Account Number : XXXX 7. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) Account Number : XXXX 8. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

I moved out of my old apartment in  XXXX   2015  but in  XXXX     2015  a co llection company named CBE Group said I owed {$86.00} for my utility bill. I contacted my old apartment manager who emailed me proof of my final payment for rent and utilities. In fact, I was mailed a refund from my initial security deposit and she said I owed nothing. I forwarded a copy of that statement to CBE and for the last two years have considered the matter closed. But in the last month or so, I 've been receiving call after call to ding me for the same debt. I also received a printed bill from them in the mail but returned it with a note demanding that they stop harassing me. I hope you can get CBE Group off my back once and for all.
Consumer complaint received 2017-06-07
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.
Consumer complaint received 2017-06-07
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. (FL)

My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.
Consumer complaint received 2024-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (WA)

Due to covid hardship my mortgage was eligible for a modification. The prior lender ( XXXX ) sold the loan to Loancare before the modification was complete. Loancare was supposed to be working on modification for me but there were problems with them sending me materials at the wrong address. I had a prior CFPB complaint ( XXXX ) and as a result they told me in that response in XX/XX/year> : " Upon review of the account, it appears that DUE TO AN INTERNAL OVERSIGHT, the loan was not reviewed for the correct terms causing additional delays. We have recently obtained a clear title as of XX/XX/year>, as a clear title is required for a loan modification to be completed, and the modified terms are being calculated. Once completed, the documents will be ordered and mailed to your address for you to execute and return. We deeply regret any inconvenience and thank you for your patience while we are diligently working to resolve this matter. '' I have not received those modification documents. Instead I have received a letter that it's been referred for foreclosure. My loan was eligible for the covid-era modification and I desperately want to process that so that I can get current and avoid foreclosure. The lender has not been cooperative or responsive. Please help. Note : My current mailing address is XXXX XXXX XXXX, XXXX WA XXXX. It is not the same as the mortgaged property ( XXXX XXXX XXXX XXXX VA XXXX )
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC. (CO)

Dear representative, On XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX for a bad case of XXXX. According to XXXX XXXX XXXX, I owe them {$4600.00}, however, that is not the problem even though its over a {$1000.00} an hour not counting the Doctors and the Radiologist that I have paid. The problem is that XXXX never sent me an invoice. I have contacted them multiple times and was told I didnt have an account. I finally got in touch with a representative through e-mail and then lots of phone tag. I thought things were fixed. So I made a payment of {$150.00}. 

I still have never received an invoice. Now to my surprise, I have received a letter from a debt collector. I never received any notification that this step was happening. I have no way to know that this debt collector is legitimate. 

I called XXXX again on XX/XX/XXXX to talk to the same representative that I thought fixed things. She said she would work on it and get back to me, but never did. 

The Doctors, Radiologists and Nurses that I had were awesome! They took great care of me even though they got very busy. I wish I could say the same for the medical center.
Consumer complaint received 2017-10-16
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. (FL)

I have Private Loans with Navient as well as a Cosigner and I have asked Navient to lower my payments numerous times and they have denied me without a lot of Explanation to why. 
They just asked if I wanted a Forebearnce instead of trying to work with me on the payments or Refinancing the loans. 
The payback of the loan a month is XXXX currently and increasing.
Consumer complaint received 2017-06-07
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. (FL)

I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit LLC (CA)

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS.
Consumer complaint received 2018-03-22
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: M&T BANK CORPORATION (NY)

There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number XXXX
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I applied for a XXXX with HSBC in XX/XX/. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to XXXX, there was a hard pull from HSBC onXX/XX/XXXX. I called XXXX  and was told that I had to call HSBC to remove the inquiry. I called HSBC at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (DE)

The account is closed/charged off. This collection agency continues to make harassing calls and leaving threatening messages at my workplace and to my elderly parent at home. Also, the collection agency has been advised in writing, to contact me by mail only.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

COMPLAINT AGAINST : CONSUMER ADJUSTMENT CO = XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX AMOUNT IS : {$640.00} OR : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS.

I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00}