davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Today my husband XXXX XXXX attempted to make a cash deposit at Bank of America on XXXX in XXXX, Oklahoma and there was a sign on the door that the bank had permanently closed. We were sent no notification through mail or any other means. Our funds were running low and we needed to make that deposit. We had no warning or any idea the bank had closed. We did not even have the option to change banks. I contacted bank of America on XXXX and their excuse was " Traffic ''. Now the closest one is 45 minutes away. We now have limited funds because we were not notified. How can a bank leave town without notifying its customers. This can not be legal and would like to be investigated. 

XXXX XXXX
Consumer complaint received 2021-07-05
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: CREDIT ACCEPTANCE CORPORATION (LA)

In XXXX my husband and my daughter took his nieces information and used it to purchase a car. His niece reached out to me today and it is time the truth come out. She stated she has been disputing the charges. She is not liable for this account. Back in XXXX we all lived in a family house and I dont know what gave him the idea to take her information fraudulently and commit identity theft. He got my daughter involved. The dealer didnt pay close attention to the copy of drivers license and let them use it. This is a case of identity theft. My husband has sense passed away and I believe guilt from doing all of this has a lot to do with it. He diverted all the mail so that no mail would go to the house. He opened bank cards in their name, he forged letters and had money taken from their work checks. In XXXX my daughter wrote a letter to Credit Acceptance pretending as she always have to be the party at hand. She did not write a letter to Credit Acceptance. After my husband passed away my daughter surrendered the vehicle. The people this is affecting has nothing to do with this. My husband committed identity theft and opened this account fraudulently, he is no longer here to pay for his actions. I can no longer live with this on my conscience.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

On XX/XX/29 I went to the us postal service and sent a letter by mail to convergent outsourcing I made sure to certify it ( receipt # XXXX copy of image attach along with letter sent ) this letter arrived XXXX not only was a notice of dispute never entered but I never received a response either!!! There are two issues here no notice of dispute and no validation no communication at all and were well past the 30 days Im requesting deletion of this account
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint will not work with me according to XXXX servicing guidelines. 

I was impacted by XXXX, it took months for them to figure out my fatigue and shortness of breathe and other symptoms were the result of XXXX and XXXX. The XXXX  would not let me XXXX  remotely and did not renew my contract. I am on XXXX, XXXX, and XXXX. In addition to being sick, I am at high risk for XXXX. 

XX/XX/2021, At Shellpoint 's request. I submitted a completed borrower 's assistance application at Shellpoint 's request via email. I attaching all the documents for the completed borrower 's assistance application. 

XX/XX/2021, Shellpoint did not provide any of the XXXX XXXXXXXX servicing options. 
I completed a trial modification, but Shellpoint did not offer a modification. In the letter, Shellpoint holds me accountable for their error in contradiction to Regulation X 1024.35 ( a ) and ( b ) ( 1 ) XX/XX/2021 - Shellpoint will not work with me on XXXX servicing by asking for non-existent documents, and duplicates. 

XX/XX/2021, I provided Shellpoint a copy of the XXXX XXXX XXXX servicing guidelines and asked them to provide my options. Shellpoint will not respond.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (NC)

BAsically I applied to Equifax for enrollment and monitoring about a week after the announcement because I was one of the breach victims. They said they would get back to me. I tried again on their website and found, rather unbelievably, one had to have a mobile phone to complete the application or one could n't finish it. I gave up my phone because I do n't use it much. So this preclude many people like myself from application. I wrote complaining and received a form reply telling me they would contact me. So I am effectively at risk a month after trying to rectify my situation. There was no option on the site to enter any other data for qualification than the mobile phone number. Equifax does n't really give a XXXX. 

PS The site mentioned in the attached reply is the one I mentioned.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, I'm trying to use the tradin program call Coinbase. They ask for my driver license to verify de acount. since I send to them the correct information they keep my account under verification and it's impossible to trade with any currency. 

My wish is to verify my account and start working with the cripto coins. 

Thanks to listen. 

Regards.
Consumer complaint received 2017-10-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (SC)

When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.
Consumer complaint received 2017-10-06
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 (NY)

I paid my balance in full prior to the due date and was charged additional intrest. Based on what I can tell Capital One is charging interest on the purchase balance as if it were a loan balance. My due date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX and was charged interest on the average daily balance.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had a banking relationship with Capital One since XX/XX/2022. Since that time, I have not had any overdrafts, bounced checks, and have maintained a positive balance in my accounts. On XX/XX/2022, I was approved for a XXXX unsecured credit card with a credit limit of {$500.00}. I always kept my usage at 8 % -11 % and made payments before due date. Having the ideal banking relationship was extremely important to me because I was building my credit in preparation for buying a home next year. 

For this reason, I was taken aback when Capital One abruptly and arbitrarily closed my XXXX Capital One credit card account on XX/XX/2022. After speaking with various customer service specialists, I was informed that the decision was made because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. After receiving this upsetting news, I received an email informing me that my bank account will be closed on XX/XX/2022 for the exact same reason. This notice was emailed to me on today, XX/XX/2022. 

These accusations are not only outlandish but defamatory. I have no fraudulent or legal action that would warrant being treated this way. I even made one last attempt to resolve the issue by calling Capital One yet again. I even offered to send in any supporting documentation that could clear my name. However, the Customer Service specialist stated that her hands are tied since the bank made the executive decision to close all accounts associated with me. 

There is no merit to these accusations and Capital One has made it clear that they will not be reopening any accounts, now or in the future. Therefore, I have decided to file a formal complaint. I am clearly being discriminated against and Capital One has no grounds to close any accounts or make such claims.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TN)

XX/XX/2017 {$13000.00} us bank cheat me im ask a o % interest in12 month and cash us bank give me different product i need help to fix this case thank you
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account number # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : Account number XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account Number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (WY)

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX in Wyoming. I reaffirmed my vehicle lease through US Bank, caught up all payments, and have paid on time or early, in full or extra ever since. I have run all three credit reports ( XXXX, XXXX, and XXXX ), and my lease account is not on any of those reports. At all. I am trying to rebuild my credit and need my positive payment history to be reflected. I went to XXXX XXXX so that I could get it refinanced for the sole purpose of getting it to show on my credit reports, with the lease document in hand and the vehicle physically in the parking lot, and was told by XXXX XXXX underwriters that they could not find record of my lease in credit reports so could not complete the refinance application. I have called US Bank several times, was passed around departments and agents ( and finally a pizza restaurant ). At one point one agent said US Bank reported my lease account back in XX/XX/XXXX but all three of my credit reports are more recent than that, and there is nothing from US Bank. I had a representative USPS mail me a complete transaction history/customer statement of account and with that I have proof that I have the account and that my payment history is perfect since XX/XX/XXXX.
Consumer complaint received 2017-11-17
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. (CA)

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 Als
o 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

My phone was stolen on XX/XX/year> and my Discover credit card was linked to my XXXX XXXX. The thief was able to access my phone and change all of my passwords, including my XXXX XXXX password. 

The thief then used the stolen device to make the following fraudulent charges using the phone 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$770.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$20.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$310.00} XX/XX/year> : XXXX XXXX : XXXX XXXX : XXXX : {$120.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$390.00} Total Fraudulent Charges = {$1800.00} I still had my physical credit card at the time and didn't know that the thief was able to use my phone 's XXXX XXXX. Additionally, any warning texts or calls from Discover went straight to the thief. I contacted Discover as soon as I found out there were fraudulent charges via XXXX XXXX and explained that my phone was stolen, so all the XXXX XXXX charges starting on XX/XX/year> were fraud. Discover said they would do their own investigation, including looking at camera footage and that it was very obvious that these were fraudulent charges since they occurred in a different city than where I live. Also, since I still had my physical credit card, I had used it at the same time in the city where I live. I can not be in XXXX places at once. Additionally, I provided Discover with the police report number that I had filed.

After Discover completed their investigation, they concluded that I am being held liable for the fraudulent charges because I have used XXXX XXXX with my Discover Card in the past on the same device. They are completely ignoring the fact that my phone was stolen and not looking at the evidence. For example, these charges were made in a different city where I have never made purchases before and do not live. The thief made a purchase at a gas station and I do not have a gas vehicle which is very clear if the investigator had looked at my past statements.

I have asked Discover to reconsider the evidence multiple times and they always come back with the same conclusion. I feel that they are trying to close the case without proper investigation. Also, they are false advertising by claiming that customers are always protected against fraudulent charges ; meanwhile, I am a victim of actual fraud and they have done nothing to protect me.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (NJ)

Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CO)

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from LoanCare XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, Loancare was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, LoanCare was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted LoanCare to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.