davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requested a credit balance refund check from CapitalOne on XX/XX/2020. I have not received my funds as of today, XX/XX/XXXX. The amount is {$6100.00} from my Venture credit card. 

After the check was returned to the company due to an address issue ( one that was not my fault ), I have called 20+ times to check on the status of my money. 

In almost each instance, the customer service reps suggested a different plan of action or just told me to wait. 

Now, my money hangs in the balance as a case investigator looks into where my money is. This is absolutely not acceptable as I need this money to pay my bills. 

In essence, CapitalOne has taken my money XXXX as it grinds through ineffective administration efforts. 

Absolutely shameful given current economic situation and financial difficulties consumers such as me are facing! I just want my rightful money back NOW.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am filing a complaint against Transunion. I have submitted a dispute twice on the following collection accounts that are reporting on my credit report. I have submitted a dispute claim twice as well as via phone dispute on the following collections accounts reflecting on my credit report : XXXX XXXX XXXX reflecting a {$1400.00} collections account ), XXXX XXXX XXXX XXXX XXXX XXXX a {$1600.00} collections account ), ( XXXX XXXX XXXX- reflecting a {$580.00} collections account ). After investigating Transunion only provided me a response that these collection agencies meets FCRA requirements, although they fail to provide me with any original signed documents reflecting that this is in fact my debt. Considering that, I have had a fraud alert placed on my accounts due to fraudulent activity on my credit after several security breaches.Without being able to provide any legitimate documentation, I ask that this derogatory information be deleted from my credit report. My next step will be litigation, considering that this derogatory information is damaging and keeping me from acquiring any new credit.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/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 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 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6. <P/>I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline. <P/>Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4. <P/>This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (GA)

Rocket Mortgage put home into forclosure.. I reqested a reinstatment quote to bring mortgage up to date. I received quote on XXXX the amount due was {$7100.00} by XXXX XXXX XXXX  I paid the {$7100.00} via debit card over the phone. I was told that I was current and loan was no longer in forclosure... call was recorded. I called to make my payment on XXXX  and was told my home has an auction date for XXXX XXXX. I was told that the amount was not enough and that rocket mortgage reached out on XX/XX/XXXX via voicemail. This was 2 days after current reinstatement quote expired which i paid. Rocket Mortgage could not have taken the {$7100.00} payment without a current reinstatement quote. I took money from my retirement to bring everything current, after telling me they accepted my payment they reached out to tell me i owed more after the reinstatement quote expired. I am going to lose my house and be homeless. I did everything they asked and was told my account was in good standing. now im waiting on another reinstatement quote with fees I wont be able to afford. This is very unfair and fraudulent.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX XXXX University and XXXX XXXX College. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if XXXX XXXX falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The credit bureaus are reporting false information on my credit reports. They are reporting late payment and charge-off accounts that do NOT belong to me. 

LATE PAYMENTS : 1 ) XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX CHARGE-OFF ACCOUNTS 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX
Consumer complaint received 2017-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Consumer complaint received 2022-09-08
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (VA)

A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.
Consumer complaint received 2021-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

Insurance/Mortgage Fraud by New REZ ( now different name, keep changing names ), Shellpoint ( Servicer ). Took 126 acres raw land additional beyond land associated with the home approx 40 acres. Could not sell, nor tap equity, now abundant with current market. XX/XX/2021 began 4 month seize of vandalism harassment to home. State police/sheriff refused service to my countless complaints regarding incidents. Felt my duty to protect FHA responsibility. No one will assist. Did not receive insurance payout for claim to repair home. Mortgage payment is for entire 168 acres. The bank unknowingly purposely took additional value of land for unknown purpose/back deal. All part of the harassment to get me to walk from my home. When I originally purchased additional land was for investment. Land 168 divided into 4 parcels - 1 parcel devoted to home. I need additional released from this land to sell without a lien.The bank has refused a release. Bank demanding a survey. The county clearly has identified 4 separate parcels. One for home. I am currently in temporary forbearance plan as I navigate my options. My credit is now in bad shape due to elder finance loss and exploit.
Consumer complaint received 2017-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (TX)

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: POPULAR BANK (NY)

In the month of XXXX i opened a checking account and in the month of XXXX someone started making transactions with out having XXXX to my card. which makes me think that my card has been duplicated. The following dates are from the transactions that i did n't do and did not give authorization. 
XXXX XXXX transaction of {$35.00} XXXX XXXX transactions of {$32.00}, {$94.00}, {$100.00} XXXX XXXX transaction of {$61.00} XXXX XXXX transaction of {$100.00} XXXX XXXX transaction of {$230.00} XXXX XXXX transactions of {$32.00}, {$4.00}, {$240.00}, {$440.00}, {$87.00} XXXX XXXX transaction of {$12.00} XXXX XXXX transactions of {$32.00}, {$20.00} XXXX XXXX transactions of {$11.00}, {$41.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} In the month of XXXX, I noticed what was going on because i was going to withdraw money from my account and there was no more funds available for the amount of {$1500.00} that i needed.Therefore i went to the bank to get an explanation. The bank only told me that that they would only be able to respond for the month of XXXX and XXXX and they could n't do anything about the previous months for XXXX to XXXX. At that moment i asked for my account to be frozen and i was told that there was no problem with that and i was even given a new card with a new number. On XXXX XXXX i received a call from the bank around XXXX PM. In which i was asked if i gave authorization to a transaction of {$50.00} to which i said no. On XXXX XXXX i went to the bank with my daughter and spoke to XXXX. Who was n't able to give us any information in regrades to the call that was made the day before form there branch to me. Since she was n't able to give us any information she called the XXXX whose name is XXXX XXXX and asked her is she was the one who had called me. she said yes but that it was only to inform me that i was getting {$100.00} back for the month of XXXX and XXXX. Which is not true. I was n't told that at the time of the call. After that my daughter asked to see where in the system it said that the account had been frozen and XXXX said that there was n't anything indicating that the account was frozen. So i asked for my account to be frozen and to show me where it said that i wanted my account to be frozen. XXXX put a note on all windows that said that i could n't do any type of transaction unless i went to the bank personally until i gave the order for that to be removed. From there XXXX said that the bank was going to investigate but the investigation could take up to XXXX to XXXX days. Which i agreed to because this account is from my money and i trusted the bank. That is why i need to get my money back.