davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below is still reporting on my Credit Reports and need to fix immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington bank has not released a paid off lien on my house from 2009. The verification of mortgage satisfaction was never filed at XXXX count records. This is preventing me from refinancing my current loan from XXXX XXXX  to XXXX XXXX. I need your help to get Huntington to create a Mortgage lien release and file it with XXXX County in XXXX PA. I have emailed and faxed Huntington and all they say is " Paid Real Estate has received your request, our service level is 15 business days. A Title search will need to be supplied, the customers name, account number if known, and address for release. If the loan is an old merger/acquisition loan you MUST provide proof of payoff before the release can be prepared. Requests are completed in the order received ; if you don't receive a response to your inquiry within 15 business days please send a follow up email marked " Urgent ''. Only send the Urgent email after the 15 business days have been exceeded ''. 

This is what I sent them : Hi can you please send me a Leon release letter for my hose loan that was paid off 7 years ago? 

Im trying to refinance and my verification of mortgage satisfaction was never filed at XXXX count records.Please send me this verification and file the release with XXXX county. Please call me if you have any questions. Please do this today so I can close on my house. 

I suspect they are short staffed, improperly trained or inadequate automation. Please help me. Thank you XXXX XXXX XXXX XXXX XXXX, XXXX PA. XXXX. Cell XXXX.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing as a consumer. As of XXXX XXXX, 2020, CAPITAL ONE BANK USA N has been paid in full and still reporting on my credit report. Under chapter 15 U.S. Code 1681c ( 1 ) it states, " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' Both accounts have surpassed the 7-year period. I have disputed multiple times to both companies and now am living in emotional distress because of this issue.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (NJ)

I received a call from XXXX ( XXXX ) XXXX claiming they were with the FBI and that my identity had been stolen and my social security number needed to be changed. They told me I needed to purchase Google Play cards in order to protect my money. I called Google Play and let them know and they told me to file a complaint here. I purchased these cards through XXXX XXXX and XXXX. Attached is the voicemail and receipts I received.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

I cancelled my XXXX XXXX XXXX internet utility service after moving in XX/XX/XXXX. I had been renting a router, and per their instructions upon cancelling returned the router to them by bringing it to a XXXX store to be mailed. I received confirmation of my account cancellation, with a {$0.00} balance after final billing. 

Several months later, I received a bill from XXXX XXXX XXXX for approximately {$300.00}, attempting to charge me for equipment not returned. I spoke via online chat to their customer service, and received confirmation that this charge was in error, and would be removed from my account. I have a chat transcript and reference number as proof of this. 

Months after the first interaction, a collections agency contacted me looking for the same ~ {$300.00} amount, which had apparently not been scrubbed from my account, and sent to collections. Again, I went to speak with XXXX XXXX XXXX service, clarified the mistake, and was assured that the charge would be removed. 

Today ( XXXX XX/XX/XXXX ), I received a letter from XXXX XXXX XXXX   notifying me that they are attempting to collect a debt of {$340.00}. The letter states that this is from my XXXX XXXX XXXX account. I spoke to AT & T service again, and was referred to their collection/financial team, which stated that because the billing system was automatic, they could not do anything about the amount being sent to a third-party collection service. 

I returned my equipment almost a year ago, and have been repeatedly sent to collections, which threatens my credit score. How can I resolve this?
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1200.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. 

Portfolio Recovery does not use account numbers. This account is a duplicate account of its account reported to the three credit bureaus in the amount of {$710.00}, that has also been discharged under  Chapter XXXX Bankruptcy.
Consumer complaint received 2018-07-16
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. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (IL)

I was denied a prepaid card. I have fair credit XXXX range in all 3 bureaus according to my free credit report. Wasnt given any explanation from AMEX -Serve prepaid card for denial. Thats false advertisement
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My XXXX account became delinquent in XXXX in the amount of {$160.00} due to extended unemployment. Since then the debt has been bought and sold to several collection agencies. The latest agency, XXXX  XXXX, is reporting the debt as a new debt, first reported date : XX/XX/XXXX. I have filed two disputes to correct this and submitted older collection letters, dated in XXXX, as verification but there is no correction to my credit report. Also, the delinquent amount is {$810.00} rather than the {$160.00} listed on the earlier collection letter.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

In XX/XX/XXXX I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : 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 This happened with all three dealers and involve XXXX XXXX, Equifax and XXXX credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately. 

If you have any questions, you can contact me directly.
Consumer complaint received 2022-11-19
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: First Advantage LNS Inc. (TX)

National Credit Audit is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and XXXX XXXX is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NC)

I have tried to dispute the account with XXXX XXXX XXXX  on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1100.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I did not apply for this credit card. I can also provide proof that I did not apply for this credit card or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from XXXX XXXX XXXX and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I also received a letter from them stating that they sent me a Fraud Affidavit to fill out again which was already sent as I have informed delivery from the USPS and I can prove they never communicated with me by mail, as the letter states that they sent me the information. I called again on XX/XX/XXXX after receiving the letter and explained to the Fraud Team again this identity theft and to remove the card from my credit file, and the representative named XXXX advised will re-open fraud claim and sent the fraud affidavit again and remove from my credit, however they have failed to do so and the account is in dispute again with credit reporting agencies. Now XXXX XXXX XXXX XXXX states that I didnt get documents to them in time and have sent the account to Sequium Asset Solutions and my Attorney In Fact and POA and myself have disputed the debt.
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

This is in follow up of the complaint I filed with CFPB XXXX-XXXX. The HUD office in XXXX advised me to report to you for action. HUD is also investigating. This is about my XXXX whole house renovation started in XX/XX/2018. I have been paying interest on renovation-loan amount which I have no rights since bank ( Guaranteed Rate Inc ) repeatedly said it is their money and they pay directly to contractors. HUD says that is not true. Bank overpaid two contractors without my knowledge and signature. I have proof to submit. The first two contractors violated the contracts and delayed the project for over one year which could have been finished in 12 weeks. Now it is 18 months and I have been paying interest to the bank for all the money which they combined my old mortgage and loan together. The bank was sticking with the original contract I signed with the first contractor who was fraud and failed city inspections and building codes, was always threatening for more money. Bank overpaid him. Second contractor ( recommended by bank ) also failed city inspections and bank was secretly communicating with contractors and offering them money from the contingency funds. Third contractor noticed several shoddy works and alerted the bank and HUD consultant with pictures and testimony. But bank overpaid second contractor also. The contract I signed with the second contractor and third contractor were with in the left over money and there was no need of contingency funds. But Bank reported to me that some money from contingency was given away. I lost a huge amount of money out of my pocket. I have been asking the bank last 6 months to give me a statement of checks they delivered to fraudulent contractors but they never did. Two weeks ago they replied to my repeated emails and sent partial copies and said they are working on it. 
I spoke to HUD and they told me to reach out to you and reopen the case. This is my primary home of my family. My wife and XXXX kids have been going through this torture for a long time paying mortgage for a house we couldn't live and paying interest for a loan we have no rights or control.The third contractor almost finished the job within the budget and got the occupancy certificate last month. But the loan is not closed yet and I am paying interest for a combined amount of $ XXXX last 18 months. I can provide the email copies and other documents reviewed by county and state consumers calling out this as illegal and consumer harassment. 
Thanking you Sincerely XXXX XXXX
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WI)

I was trying to get reviewed for a loan modification on an FHA loan with Quicken Loans. They were helpful at first, then stopped responding to me and moved to set a foreclosure date. In order to save my home I filed bankruptcy in federal court prior to the auction. However, Quicken Loans and law firm XXXX XXXX XXXX moved forward with the sale anyway in violation of federal law. I have since tried to get information and updates and to get the sale rescinded but have not been able to make any progress or contact with Quicken. 

My wife and I bought this home in XXXX with an FHA loan. We made our payments as agreed with no problems until our roof caved in a couple of years ago. At the time I was only working part time and it cost {$7000.00} to repair the roof ( it was an urgent repair ). Due to this fact I struggled and fell behind on the mortgage. Last year I reached out to Quicken to try and get reviewed for a modification or plan to help me catch up. I was approved for a small reduction to {$710.00} a month. We began making this payment, but then had a problem with my wife 's XXXX check and missed a payment. Since that time their agents have refused to work with us and refused to accept our payment. We were immediately pushed into foreclosure and a sale date was set for XX/XX/XXXX. I filed bankruptcy prior to the sale and under federal law the property should be protected from foreclosure. Then I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that my home had been sold. 

I believe that Quicken Loans with the help of XXXXXXXX XXXX XXXXXXXX has not followed HUD and FHA guidelines and denied access to programs such as loan modification, partial claim, special forbearance as well as repayment plan options. Also, they were required to send out Occupied Conveyance paperwork prior to conducting any type of foreclosure action and this information was never received. 

We are trying to get an update on the status of our home from Quicken Loans. I was under federal bankruptcy protection when they allegedly conducted the foreclosure sale and they are required under federal law to rescind the sale. I have not gotten any updated information from them so I am not sure of my current status. I want Quicken to work with me and put us into one of the government plans available so that we can save our home and resume making payments. I am hopeful that your organization can get involved and get to the bottom of this.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the  2 year history it is not uniform across the board which it should be...
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a home in a planned community in XX/XX/2017. First, the builder prequalified my wife and I not including all taxes. I believe the escrow company proceeded to give the lender incorrect figures, not including all future taxes, which led to an escrow shortage of {$9000.00}. The lender now wants this money immediately for their mistake. Multiple neighbors in my track that bought from same builder and used same escrow company are experiencing the same problem. All of our lenders are demanding these escrow shortages immediately. I fear I will lose my home along with other neighbors in this track. I am currently having to refinance my home just to pay for this shortage and just to be able to stay in my home. Its costing me over 15 thousand to refinance my home.
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Multiple complaints filed here, not sure why I even bother. Company basically just says sorry and lies about how theyre fixing it. Usaa is continuing to ruin my credit even though theyve taken unauthorized funds from my account and refuse to fully address the issue. This is criminal and it needs to be addressed and they need to fix the unfair credit reporting.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CO)

I opened an account with American Express in XXXX of XXXX, they offered me a credit limit of {$8000.00} along with their terms of credit, since then, I was using card and also making payments on the due date, I have never been late or gone over my limit. 
I always make sure I was in compliance with the terms of Agreements. 

On the XX/XX/XXXX I found out that they were going to reduce my limit to {$4700.00}, I was shocked because I have never late or went over my limit, they reason they gave was that my score was not now good enough now. 
( upper 680 '' s ) and there were other reasons on my account. 

Out of annoyance I cancelled the card, because I was mad, then the next day I asked to by re-instated, they told me I would receive a decision in the mail. they now sent me a letter saying was denied, I am now worried about the balance, if they are going to try to take it to collections, They will not give me a chance to follow terms of card. When they report to the credit bureaus, will they report limit of {$8000.00} or {$4700.00}. it will seem like l I maxed out limit when it is not so. 
Please help me investigate, I still want to pay down the balance. I am very upset and worried. 
Thanks
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

When we sold our home 'Wells Fargo would not respond with a pay off amount in a timely fashion. We finally sent XXXX XXXX XXXX  just to insure the pay off was met. This was in XXXX XXXX XXXX XXXX XXXX