davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Yesterday on XX/XX/XXXX of 2018 capital one closed my credit card due to 3 return payments. After the first two retired payments in XXXX I called caplital one to see why the payments werent goin mg through. I talk to a supervisor she checked my account routing and transit number and made a suggestion that we check for accuracy on the number and it would be best to reset the account and routing number from my bank account. She then advised me to try the payment again and if it fails to call back. On XX/XX/XXXX I tried to make a payment of {$200.00} which also was returned. yesterday on XX/XX/XXXX I called Capital One to see what the issue was upon calling them I found out my account was restricted and then closed the same day. When I talk to the fraud department they said that my account was closed due to the THREE return payments and it was a violation of their policy .When I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital One back I dont understand how my account was closed if I supervisor from Capital One are representative of Capital One advise me to make a third payment which led to the closure of my count I called capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they can do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account. when I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital one back I dont understand how my account was closed if I supervisor from Capital One are representative of capital one advised me to make a third payment which led to the closure of my account I called Capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they could do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account
Consumer complaint received 2020-10-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I requested and received from Shellpoint Mortgage Servicing COVID-related forbearance for the months of XX/XX/XXXX-XX/XX/2020. I resumed full payments on XXXX XXXX and have timely paid every month since. Shellpoint indicated that my loan forbearance would convert to a loan deferment. That is, that the missed payments would be deferred until the end of the loan. This is in keeping with deferment for qualifying mortgages under the CARES act. Instead, at the end of the forbearance period, Shellpoint reported to the credit bureaus that I was 60 days late on payments. I contacted Shellpoint about this issue inXX/XX/2020, after receiving an alert from my credit monitoring service. Shellpoint has already received all relevant documents via separate correspondence.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Following my previous request for an investigation into accounts with erroneous information, I have reviewed your response and noted that some accounts still inaccurately display a " verified '' status. I request that you correct the information for the following accounts : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3200.00} XXXX FIN XXXX Balance Owed : {$22000.00}. In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I kindly request to be notified upon the update of these items. Once these corrections have been made, please send an updated copy of my credit reports to my provided address.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

We have written to Wells Fargo a number of times and have previously submitted complaints. because of your action, we get a call from Wells Fargo. A very nice lady gets on the phone and tells us how they will be helping us and then nothing gets done. 

We have also looped in our attorney who has called them but still we do not get any acknowledgement of our request. What we are asking for : 1. Forbearance until XX/XX/XXXX. 

2. Deferred payments to be due at the end of the loan as mentioned on the XXXX XXXX website. 

3. A change of accounts from which the mortgage payments will be automatically withdraw.

I am attaching a copy of my letter of XX/XX/XXXX and a copy of their reply, undated and sent by XXXX  ( see copy of shipping label - ship date XX/XX/XXXX ) We received no reply by XX/XX/XXXX as mentioned in the Wells Fargo letter
Consumer complaint received 2019-02-23
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. (IL)

I don't really know what section my issue goes under. I attended XXXX XXXX university online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

On XX/XX/2021 I refinanced my home mortgage with Guaranteed Rate. During closing, I paid {$4000.00} into my new escrow account. My mortgage was immediately transferred to XXXX XXXX. 
When I received my first paperwork from XXXX my escrow account balance was only {$2000.00}. I called XXXX to ensure they weren't expecting any more payments from Guaranteed Rate, which they weren't. I then called Guaranteed Rate to see what was going on with my missing escrow of {$2000.00}. This is where the problems arise. 
Guaranteed Rate claims they held my money to pay an XX/XX/XXXX tax bill, however I have some issues with this statement. For one, I don't have an XX/XX/XXXX tax bill, I just paid my taxes on XX/XX/XXXX and according to my tax bill is not due until XX/XX/XXXX. This is plenty of time for XXXX to make a payment. Second, my tax bill is only {$2000.00}, which is more than Guaranteed Rate is holding. 
I reached out to Guaranteed Rate on XX/XX/XXXX, and asked for this cash to be sent to XXXX. They will not complete my request. They are still holding my money as I continue to go back and forth with them over the money they still owe me.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

I had my truck financed through Nissan Finance, known as Nissan Motor Acceptance Corp. ( NMAC ). I traded the truck in to a 3rd party dealer on XX/XX/XXXX. Upon trading in the vehicle, I was informed not to make any additional payments and that the 3rd party dealership would handle the payoff. I signed a release of interest on XX/XX/XXXX. The 3rd party vendor sent in the payment which did not get to Nissan ( NMAC ) until the first week of XX/XX/XXXX. This caused a missed payment which was due on the account on XX/XX/XXXX. 

I called up NMAC explaining the problem, and requested to have the late payment removed from my file for the month of XXXX. They explained the process, being a written letter from the 3rd party dealership explaining the circumstances of the missed payment. I obliged and contacted the dealership, having them send in the letter and a copy of the release of interest. The letter was immediately denied by NMAC as it did not conform with the " verbiage '' needed in the letter. I called and spoke with a manager at NMAC about my dilemma, she expressed it should not have been denied and resubmitted it. Denied again. I spoke again with her, at which point she told me why it was denied, and how to correct it ( change the verbiage in the letter ). I did so, had the 3rd party dealership resend the letter specifically taking responsibility for the vehicle and the delinquency, and now get radio silence from NMAC. Delinquency still shows for the month of XXXX.
Consumer complaint received 2020-11-28
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. (TN)

On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, Experian, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not authorize anyone employed by XXXX  XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-04-01
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX/XXXX XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX XXXX I on XX/XX/2020 ( Reported Identity Theft ) 11. XXXX on XX/XX/2020 ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 13. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 14. XXXX XXXX  XXXX XX/XX/2020 ( Reported Identity Theft ) 15. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 17. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 18. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

This is the last email I send about you not applying my payments for XX/XX/XXXX-XX/XX/2016 and removing the delinquents from my credit report. I am contacting CFPB on Friday XX/XX/2016 regarding you posting practices and how you have destroyed my chances of getting a loan for a property. I do not know the loan number since it was sold and paid off in XX/XX/XXXX. Then you returned the checks that were not applied. I need a response by Friday morning or I will be contacting CFPB, I have been writing you since XX/XX/2016, It should not take 8 months to get this corrected. OCWEN never applied my payments for XX/XX/XXXX- XX/XX/XXXX because I did not write the account number on the check. It was left in limbo and they sent the mail that I was delinquent to the wrong address and had all the mail returned to them. After years of paying on time, they will not take the delinquents off my credit reports, thus I am not able to obtain another mortgage. I sold the property and paid them off. I thought I would be able to purchase a new home in XX/XX/2016, it is now XX/XX/XXXX and I still ca n't get a mortgage because of them. I am virtually homeless, since I sold my home. I have been living with my mother, and my son and my daughter. I have called and written them several times to have it removed and to no avail. I need this removed immediately so I can get a place to live. It is unfair that such a careless outfit can determine my destiny.
Consumer complaint received 2017-07-10
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. (GA)

I recently checked my credit and I noticed my reports for  XXXX , Equifax and   XXXX   contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  EQUIFAX  XXXX -  XX/XX/XXXX  Equifax : EQUIFAX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX  : EQUIFAX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also t hin k that it is strange that the multiple pulls from Equifax and   XXXX   XXXX   were  placed on several different dates.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent Transunion a letter requesting method of verification for an account inaccurately reporting on my credit report. I also sent Transunion a letter requesting investigations for newly inaccurate accounts reporting to my credit report. Transunion has not responded to any of my disputes. These letters were sent via certified tracking mail XX/XX/2024.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

At XXXX XXXX XXXX, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report XXXX XXXX Account XXXX XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have XXXX Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well EXPIRAN to Fix this Problem. And Un-fortunately BANK, and EXPIRANCE refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK. 
I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

I like to use trading apps like XXXX and XXXX but they use systems like XXXX to link your bank to the apps and currently PNC. Does not permit it, and its restricting my ability to invest and grow a portfolio.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XXXX XXXX, 2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, XXXX, and Equifax ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XX/XX/XXXX to the beginning of XXXX XXXX I have mail 9 disputes to TransUnions related to the following accounts : 1. XXXXXXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$2000.00}, Credit Limit {$2300.00} ) 2. XXXXXXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance {$3300.00}, Credit Limit {$3200.00} ) 3. XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$130000.00} ) 4. XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00}, Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) 5. XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$8400.00} ) 6. XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ) 7. XXXX XXXX XXXX ( XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$10000.00} ) The accounts are not mine and they have fail to provide any verification which I request multiple times. 

Attached are the letters I sent to TransUnion
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I placed a freeze on my credit reports through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX which covers both XXXX and Equifax on XX/XX/2019. 

On XX/XX/2019 Equifax allowed allowed an unauthorized inquiry of my credit report. I emailed their customer service on XX/XX/2019 when I was notified and let them know that I did NOT authorize this and that my file was supposed to be locked and wanted the inquiry removed and no further inquiries allowed without my permission. 

They emailed back and said to file a complaint online but their online system will not let me file a complaint. I emailed back and told them this and got no response. In addition I called them and they won't file a dispute or remove the inquiry. They won't even assure me that this won't happen again even though I have a freeze on my report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wilber and Associates, P.C. (FL)

Last year, my car was unlawfully used by a mutual person. A debt collector with the name of Wilbur has been trying to contact me apparently for the last year. Well recently spoke with a lady named, XXXX. She said I didn't have insurance at the time of the accident. Which is a false statement. As I went to my insurance and they printed out proof that I had insurance. XXXX said that wasn't gon na help and asked for the policy number. They're threatening to suspend my license if I don't pay. I don't have that kind of money. And I operate a driving business. I will be contacting the DMV and the court of clerks. I wasn't the person driving.