davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received notice that there was fraud created on my capital one account. When I contacted capital one to inquire about what type of fraud they would not provide any information. They required that I provide them a copy of my driver 's lic ( front and back ), a copy of my SS card, a bank statement, along with a bill verifying my address. All of these documents were provided, but they continue to find excuses as to why they will not accept my forms of identity, first, my auto insurance bill was not acceptable then I sent the cable bill, then they wanted a copy of my bank statement without my account number blocked out ( why do they need my banking account number ), now the excuse is that they will not accept my SS card because it was laminated. I have bent over backward to getting them the information to prove who I am, but yet they will still not provide me with any information as to what is going on with my account.
Consumer complaint received 2023-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX UNIVERSITY when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (TX)

I've requested verification of debt 4 times, however they never respond to my letters but continue to send invoices. I've attached all letters that I've sent to EOS and they fail to respond. 


XX/XX/XXXX Debt Validation Letter XX/XX/XXXX Debt Validation USPS Tracking # XXXX XX/XX/XXXX Request to remove from credit report due to lack of response USPS Tracking # XXXX XX/XX/XXXX 2nd request to remove from credit report due to lack of response USPS Tracking # XXXX
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call Transunion to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Consumer complaint received 2015-10-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harvard Collections, LLC (IL)

AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).
Consumer complaint received 2015-06-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: EZCORP, INC. (TX)

I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (TX)

We are disputing a charge of {$630.00} which is a Fraud from our point of view. 
XXXX XXXX is a company that we used many years ago back in 2011. 
about 1-2 years after we called XXXX when it was time to renew the service of XXXX XXXX XXXX and told them to close the account and they confirmed it is closed ( Same as you do with any other service you have in USA ) . 
Since then we have not heard back anything nor received any calls or emails from them about any debt.

about 2 weeks ago our lender ran a report and suddenly a charge of {$630.00} from XXXX appears on our report as collection ( while no one even from collection talked to us ). 
We called XXXX and told them it a fraud as we had no service with them from over 10 years and suddenly the are waking up and trying to bill us for {$630.00} after 11 years!!!!. 
They said we had to sign paperwork to close the account which we have never received. 
Also, they said since its in collection they can not wave anything. 
This is a fraud. It was very convenience of them to keep creating charges after we closed the account so many years ago. Not even sending certified email or priority email, just nothing. 
We hope this will be removed from our reports as we are NOT going to pay this Fraud transaction for a service we closed 11 years ago.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

I have concerns over the handling of my mortgage account as well as issues that arose prior to the transferring of my mortgage account from Fay Servicing , LLC to XXXX XXXX XXXX. I feel as if I was taken advantage of financially by Fay Servicing , LLC in the last few months of the company servicing my loan. I also feel that my mortgage loan account was mishandled therefore causing confusion, discrepancies, numerous errors, over assessment of fees and potential unfair business practices.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

I have asked Equifax to delete an account I had with XXXX that is over 7 years old ( XX/XX/2007 ). I have disputed this multiple times and they will not remove it. This is the response I keep getting : I did not dispute its mine but it is too old to be on my account. 

Thank you for giving Equifax the opportunity to serve you. 
Results Of Your Investigation ( For your security, the last 4 digits of your credit account number ( s ) have been replaced by * ) & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, SC XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Got surplus check & statement from mortgage escrow account dated XX/XX/2019 saying there's a surplus of {$2400.00}. It said to deposit or cash the surplus check. Deposited the check and 2 days later my bank informed me the check bounced and charged me a bounced check fee. 

I called Ditech mortgage servicing to find out what's up and they said there was something wrong with the account the check was sent from and offered to direct deposit the check plus the XXXX dollar bounced check fee. I gave them the bank name, routing #, account # over the phone and it took almost a week for the funds to show up in my account ( deposited on XX/XX/2019 ) but the XXXX dollar bounced check fee was never paid. It was not even included in the direct deposit. I called Ditech mortgage servicing and was told that the request for the XXXX dollar bounced check fee was put in but did not get paid out. I complained again that when I called last time, I was assured the XXXX dollar bounced check fee would be sent with the direct deposit and it was not. I called again on XX/XX/2019 and told them I have the original amount but not the bounced check fee that's still owed to me. They put in another request but said it has to be processed and did not even tell me when it will be pushed through. 

Later in the day on XX/XX/2019 I found out the company Ditech filed voluntary petitions for reorganization under Chapter XXXX of the XXXX Bankruptcy XXXX. I did not get mail or notice of this and found out online when I logged into my account on XX/XX/2019. 

To date I still not have received the {$20.00} dollar bounced check fee they owe me for sending me a bad check.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (FL)

American Credit Acceptance has an entry on my credit report for an auto loan with open date XXXX/XXXX/XXXX. They also have an entry on my credit report for an auto loan with an open date of XX/XX/XXXX-terms of loan mentioned and all. I 've never had an auto loan contract with those dates and none signed under the name American Credit Acceptance.I purchased a vehicle XXXX/XXXX/XXXX from XXXX in XXXX XXXX and XXXX financed it. Certificate of title for the vehicle states date acquired XXXX/XXXX/XXXX and lienholder XXXX XXXX XXXX. Turned in my vehicle and keys sent certified mail in XX/XX/XXXX, email sent to XXXX telling them where vehicle left and that keys mailed. Credit report does not have any information from XXXX XXXX Now for my XXXX/XXXX/XXXX signed contract. American Acceptance showed upon my credit reports with the dates listed previously and I did n't know who this was. XXXX XXXX bought the charged off 'american acceptance ' account I knew nothing of and put an entry on my credit reports that they owned the account that was opened XXXX/XXXX/XXXX ( what account? ). XXXX XXXX suing me for american acceptance debt ( what happened to XXXX? who is XXXX ) and provided copy of a sales contract in my name and a signature dated XXXX/XXXX/XXXX purchased from XXXX but balance owed statement from american acceptance ( summons ) stating I owe money for a contract dated XXXX/XXXX/XXXX. What contract is that? I disputed on credit reports all of this and american acceptance-XXXX confirmed it. Had court hearing today XX/XX/XXXX and judge asked if XXXX changed the date would that help? And also said that the dates did n't matter. A signed contract date does matter. Info falsely reported on my credit reports for years and no one trying to take it off. No resolution in court because I refuse to pay for something that is not mine and for info falsely reported against me ( no payment arrangements and XXXX used info they bought from american acceptance to sue me, when that info is false. Was said in court that attorney for XXXX did not get my credit report by I checked and their law firm completed an inquiry on my credit file XX/XX/XXXX so they should have seen that those reported dates by american acceptance did not match a contract the attorney states was mine. I 'm XXXX over this because if a judge says dates do n't matter and that if they changed the date would that make a difference ( wanted to try to get it all resolved ) and if they dismiss this case and re-file with correct dates on paperwork, I 'm doomed for not fault of mine. Please help me. I called the court back to see if I could get a transcript of today 's hearing but was told by rep who answered the phone that they do n't record for that type of case. Please help me.
Consumer complaint received 2023-03-19
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. (MA)

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 a 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 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a credit card account on XX/XX/2021 and was approved for {$2000.00}, since then I have received this card physical card but the card is Restricted from use upon documents being sent for identity verification..all subsequent documents was submitted, its been since XXXX and this account is still restricted with answers and it is now XXXX, this is now considered discrimination. 
Capital One has pulled a hard inquiry from my credit file and I have incurred a loss to my credit points in the process, my application was approved and has not been activated since.

Under ( CFR 1002.2c ADVERSE ACTION ) Pursuant to 15 USC 1691 ( SCOPE OF PROHIBITION ) I was denied even though I have the capacity to contract, Also under 15 USC 1602 I am aware of my status as a Consumer to have my rights upheld, CAPITAL ONE claims the reason that they have not activated this account is its still under review after I have been approved and sent a physical card.

Pursuant to 15 USC 1681m I have the right to make such written request at the time such adverse action Is communicated to me, Under CFR 1002.2 ( c ) states ( I f the applicant applied in accordance with the Creditors procedures, a refusal to extend the term of a business or other loan is adverse action, CAPITAL ONE is legally liable under these provisions and may be held responsible, I hope to resolve this matter before any further action has to be taken in the form of complaints To the parties that govern.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (MD)

My husband and I both had checking accounts with BBT ( branch banking and Trust ) now known as Truist. I noticed that for both checking accounts {$30.00} was deducted each month, totally $ XXXX  monthly since XXXX. Apparently the bank had signed us up for accounts that require $ XXXX minimum balance. We have NEVER had that amount in our checking accounts. Once we refinanced in XXXX, the bank started charging us as we no longer had a mortgage with the account. Neither of us noticed this charge as the amount was so small each month and it was listed as " maintenance fee '' online. We both assumed if was for our son 's apartment at school. Truist calls me weekly to offer new products and not once were we informed about this fee. 

We met with branch manager XXXX XXXX on XX/XX/XXXX. We requested an investigation and he stated he would have to file it on our behalf and someone would reach out to us within a week. I have been emailing XXXX weekly and have yet to hear back from someone at the complaint department. 

When we met with XXXX on XX/XX/XXXX, he informed us the type of checking account we had that charges the XXXX XXXX monthly maintenance fee is no longer being used by Truist. We have concerns if that is true, then why were we still be charged monthly for an account they no longer utilize. It is very shady practice. I am sure we aren't the only people who are being charged and have no idea.
Consumer complaint received 2020-10-17
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: EQUIFAX, INC. (NC)

I have filed at least 5 disputes with Equifax. I paid off the balance of my XXXX XXXX XXXX visa card leaving a balance of {$10.00}. The new balance was submitted to Equifax on XX/XX/XXXX and AGAIN on XX/XX/XXXX. Equifax STILL HAS NOT CHANGED THE BALANCE. A result of their inaccuracy, my credit score has been effective. It has been over 2 months and 5 disputes and hours of phone calls trying to dispute their results. It has been a nightmare and I am not sure what I have to do to have this company stop reporting fraudulent data!!! Dealing with Equifax has been nothing short of a nightmare!!!