davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

None of the above options fit. For over a year I have been asking one main financial to remove me from their mailing list. I have called the local office. I have called the corporate office. I have filed a written request. I have messaged on XXXX and XXXX. I have tried return to sender. I joined opt out two years ago. They just keep sending me loan offers and wont stop.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I started a refi process in late XXXX of XXXX. Due to the efficiencies of Freedom Mortgage, it is now XX/XX/XXXX and I get this message : I am now able to submit your loan to our underwriter today but I have two concerns that I need to bring to your attention Your credit report is due to expire this Sunday and will need to be reorder a new report prior to your loan closing. Please let me know if I have your permission to do so. 
The appraisal report is due to expire on XX/XX/XXXX, and the title company we are using are not accepting any additional closing before XXXX, therefore we need to order an appraisal recertification. 


Please let me know if you wish to move forward. The credit report can be done in a few minutes, the recertification will add a few days to our process, it depends on the appraiser. 

Now I will have another inquiry on my credit report because of this company 's inefficiency. This has been a time consuming process ( 4  months ) that has cost me money in interest and PMI and now - unnecessarily - on my credit score.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NC)

received a payment request from Ed financial services. Have not had a loan with them in over XXXX  years. My loan was paid in full XXXX  years ago. Tried to email and was blocked. The number also does not give a customer service rep. This is fraudulent activity. This needs to be dealt with immediately
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, UT XXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX and birth year XXXX
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Experian and XXXX  continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither Experian nor XXXX  reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because experian and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (PA)

Pennsylvania Department of Labor & Industry made a payment of {$490.00} on XX/XX/XXXX to my XXXX   XXXX XXXX XXXX XXXX in the Name of XXXX XXXX XXXX. Funds as of XX/XX/XXXX have not been posted. When I contacted US Bank advised they will not tell me 1 ) if and when funds actually received and 2 ) when the funds will be posted to my card thus making them available to me. 

Additional concern is US Banks hold the funds in their account and delay in posting to account holder.
Consumer complaint received 2023-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-01
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. (FL)

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX Ct 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 The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX Acct # XXXX 6XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2018-02-19
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. (CA)

Frauding scams using my documents which is federal not authorize Frauding scams IDs and accounts frauding with 3000 listed commodity broker and firm frauding my two federal XXXX XXXX XXXX FBI reqistrations herds frauding scams IDs and accounts using XXXX XXXX IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX Frauding scams IDs and accounts using XXXX XXXX my birth certificate long form Frauding scams IDs and accounts using XXXX XXXX scams IDs using XXXX XXXX my immazation record Frauding scams IDs scams XXXX frauding my family death record Frauding scams IDs using XXXX XXXX scams IDs using using using XXXX XXXX my family sassenhauser siir documents of XXXX death record Frauding scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams frauding scams IDs using XXXX XXXX I'd frauding south Carolina home and XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams IDs using XXXX frauding my family XXXX death record of XXXX XXXX Indiana Frauding scams IDs and accounts using using death record of XXXX XXXX of corners record of XXXX XXXX Indiana Frauding scams retailers using XXXX XXXX XXXX Md XXXX XXXX of my birth certificate long form serial numbered saint XXXX XXXX documents of XXXX XXXX Indiana I had two federal registration in XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX All these others IDs and accounts are federal fraud and state frauding scams IDs listing frauding my documents So herds frauded me and my family documents and death record 's and divorce records
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

A lender 's failure to pay the requisite taxes rendered the note and mortgage unenforceable, making the instrument unenforceable when the final judgment was entered. For clarity see Fla. Stat. Florida Statutes 201.08 ( 1 ) ( b ) & 199.282 ( 4 ).

Florida statute 201.08 ( 1 ) ( b ) - " The mortgage, trust deed, or any other instrument shall not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon each advance that may have been made thereunder has been paid. '' 199.282 ( 4 ) - '' No Mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payments on the instrument or given other receptor it ''. See original terms of the note attached herein. The loan amount on the original note was {$240000.00}, the allege loan modification from XXXX reflects that the loan increased to {$350000.00}, on which XXXX never paid XXXX dollar for it. Because the loan amount increased, XXXX  were supposed to record and pay the taxes due on the instrument before the judgment was entered in order to have enforceability. As of today XXXX has still not paid one dollar over the loan increase nor record the instrument. The judgment was void at the time it was issue by the court and therefore the judgment can be reversed due to the fact that as per Florida statute mentioned, a lender does not have ANY ENFORCEABILITY IN ANY COURT ROOM WITHIN THE ENTIRE STATE OF FLORIDA. READ THIS AGAIN AND AGAIN SO YOU CAN GET IT. SEE FLA. STAT. 201.08 ( 1 ) ( B ) ,199.282 ( 4 ). NO ENFORCEABILITY, READ IT AGAIN
Consumer complaint received 2021-02-08
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. (MD)

I believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

XXXX XXXX has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.
Consumer complaint received 2018-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts  taking it sometimes have been 10 times what was owed for that month.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

From XXXX to XX/XX/2021, under undue influence from a guy I met on XXXX XXXX  app, I started using Kraken  ( Kraken.com ) to purchase Crypto currency to send to investment platform ( https : XXXX ). However, I later discovered that the investment website is scam because they kept coming up with excuses to asking me to pay for more taxes and fees while denying my withdrawal. I contacted Kraken to report being scam, and told Kraken customer support that I reported the incident to FBI, SEC, and FTC already. Kraken customer service immediately closed my account and gave me support ticket number XXXX. They won't allow me to access my account unless the police requested. Kraken has not done any investigation to protect customer and blamed customer 's fault for fraudulent transactions. 
The total amount of money I transfer from Kraken to scam investment platform is {$690000.00} XXXX. And yet they do not take any action to investigate.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MA)

XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. 
XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. 
I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. 
If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. 
I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One credit cards ending in XXXX and XXXX, Beginning in XX/XX/2024 I was not able to continue with payments, and before being in delinquent status I decided to enter into XXXX account # XXXX, The XXXX Capital One cards were listed in this account with others. I was advised by XXXX to change due dates and turn off auto debit, which I did. Capital One accepted the terms with XXXX and the first payment to them was made in early XX/XX/2024, On XX/XX/2024 {$540.00} and {$360.00} were debited from my checking account by Capital One, These XXXX payments were double payments that I didn't approve. I called customer service and they refused to return the money. At this time the accounts are restricted. Based on the Capital One statements, I can provide a statement proving I turned off the auto-debit. This is very unfair to me as a consumer and puts me financially at a disadvantage, I am trying to do the right thing with these creditors and this is how they handle consumers. I can supply any additional documents to prove my story.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (AZ)

I opened a Kracken crypto account the end of XXXX XXXX and made buys for two weeks. I tried to make a buy in XXXX and they froze my account. II have been trying to close my account since then with dozens of Emails with their support team I could still not access my account. They kept saying security reasons. Now I received an Email from Kracken saying my problem was solved and my account was closed. I did NOT close my account and my {$2000.00}. did not go back to my bank. They seem to have stolen my money. Fraud or incompetence, one or the other. I even bought a cold wallet and they still denied access to my assets. This is not a good company..
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Someone was able to hack into my Kohl 's charge account and change the shipping address. They then used XXXX different old credit cards to charge XXXX items and have them shipped to the bogus address during the month of XXXX 2016. When I received the bill I immediately called Kohl 's. Kohl 's is currently working on the fraud case however I feel the practice of Kohl 's not deactivating the old card when a new XXXX is sent sets up the consumer for fraud. I was told to either not activate the new card or call and cancel the old card. The only thing that changes is the last XXXX numbers it is still the same account. I had them close every thing and they are supposed to send a new card. They also said they would not report anything to the credit bureau until the investigation was complete which could take up to 60 days. Kohl 's is aware that there is a Kohl 's Cash scam going on and they continue to keep old cards active. I also never received an email that my email and shipping address were changed on my account. This is unacceptable.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2023 I received a letter from Capital One, application number XXXX, with someone fraudulently using my address. I called Capital One and notified them of the activity and they noted that the resident and address do not match. The company directed me to this site.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I recently rolled over my XXXX XXXX with Merrill Lynch to XXXX. Merrill Lynch assessed a {$49.00} fee when they sent the money to XXXX. The account was about {$2000.00}. That's XXXX XXXX! That's a ridiculous amount of money for something that literally costs Merrill pennies to complete.
Consumer complaint received 2021-09-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

We are trying to refinance our home to a shorter term. We have fallen behind because of XXXX. Freedom mortgage will not take me out of forbearance so that I can refinance. Ive been trying to get this settled for 3 weeks. They are making it extremely difficult.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (LA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # 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 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 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 2022-05-01
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)

THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX