davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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 (WA)

I believe that CapitalOne Bank and credit card company may have a ring of employees that steal and/or sell or leak previous card holder personal information. 
Why? Years ago I briefly had a credit card but closed the account. Then a few years later I checked my credit score and credit history and it showed another capital one card was opened under my ID. I then called capitalone and reported that I never opened it and to close it. Which they did. 

So, the previous fraud of my ID being stolen through capital one is suspicion. 

Then, today, I received two phone calls one right after the other ( sounded like the same woman but gave two different application reference numbers ) stating that they need more information to process my application. 

I phoned capitalone 's main number off their website ( XXXX # ) and XXXX transfered me to XXXX who claimed that the phone number XXXX was indeed capital ones fraudulent number. However, when I search online, I get conflicting claims. Some people claim its not capital ones fraud department while other 's say it is. So, obviously I am confused. 
But even if it's capital one 's number, the issue is the ongoing fraud that I and other 's have to fight due to capital one 's lack of security and possibly, the lack of honest employees. 
I told XXXX, the capital one 's representative everything I am writing here and that there is no way my personal information would be circulating as I have my credit frozen due to CONSTANT ID theft and sadly, I don't have a life and never give out my personal information. And, why do they steal from people? She said they are smart and use their intelligence to do so. I said they aren't smart as they steal from the poor and then I suggested perhaps they are within capital one. That right there, was a big red flag! 

She then backtracked and said that I could call the fraud phone number on capital one 's website instead of the ( XXXX # ) if it made me feel more comfortable. 

I truly hope CFPB the FBI and FTC will investigate this crime. And shut it down! 
And give restitution to all the victims! 

I also did a internet search and have seen sooooo many other people that have had their ID stolen through capital one 's lack of security ... or is it that they have a ring of thieves working for them?
Consumer complaint received 2024-05-21
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: Resurgent Capital Services L.P. (AL)

LVNV Funding/Resurgent has reset the date of last activity for the XXXX XXXX accounts noted above to obtain a judgement. According to Alabama Code 1975, 13A-9-12 ( a ), offering a false instrument for recording is illegal in the state of Alabama and the Circuit XXXX XXXX XXXX AL has been notified. 

The last payment on these accounts was presented in XXXX of XXXX and the accounts were closed/charged-off within 180 days of the last payment. 

Alabama state law ( AL Code 6-2-37 ) says that debt collectors have 3 years to file a debt collection lawsuit on an open account, such as a credit card account. The clock starts ticking 3 years from the date of the last action on the account in question not the date of the debt purchase. 

I had no knowledge of an LVNV debt and listed on the collection notice they have no info for the original creditor obviously for the purpose of eliminating my contractual right to arbitration as stated in the original XXXX XXXX XXXX agreement.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (FL)

I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BERKSHIRE HILLS BANCORP, INC (MA)

We paid off our Mortgage on XX/XX/2020 with Berkshire Bank. The bank owed us an escrow refund. They say they sent the check on XX/XX/2020. We did not receive it. We called on or about XX/XX/XXXX to report this. They told us we had to wait 30 days from the first mailing date to request a new check. We called back on XX/XX/XXXX and they said they would issue a new check. We called back on or about XX/XX/XXXX to report we had STILL not received it. We were told the check was not issued on XX/XX/XXXX but actually XX/XX/XXXX! So now we're waiting again, as we have still not received it. It has now been nearly 90 days since we paid off the loan and we have yet to received the refund of our escrow amount. They continue to hold OUR money and appear to have no clue what is going on. They further refuse to issue us the funds by some other means ( like a bank transfer ) and insist the paper check through the mail is the only way they'll do it.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (MO)

I recently submitted disputes to the credit bureau XXXX I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted XXXX and was told that there was nothing they could do I have made repeated attempts to contact Experian without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report XXXX has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX off at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report
Consumer complaint received 2017-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.
Consumer complaint received 2020-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reported to Capital One that a credit card that I have had for more than 4 years is not being reported by XXXX. I spoke with Capital One and I was told that the cards is reported to all the three bureau. 
The card in question is a Capital One platinum master card ending in XXXX.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc. (MD)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-11-24
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. (GA)

There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XX/XX/XXXX - Bal : {$470.00} XX/XX/XXXX XXXX  - Bal : {$4200.00} XX/XX/XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts :XX/XX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00}XX/XX/XXXX - {$3200.00}
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

This company continues to charge a fee for what they list as a charge off, closed account or open account. Finally received some paper work and they say it 's from a rental agreement from breaking a lease 6 months early. The rental company is denying a lease broken. The amount once it 's disputed will increase a dollar or two every couple month. So my question how can they keep charging interests on account that they never started or I never sign a contract? The other problem is they keep returning on my credit report once it is removed. They make sure it is.
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CO)

LOAN PAID IN FULL XX/XX/20 NO TITLE KEEP GETTING RUN AROUND XXXX SAYS TITLE DEPARTMENT DOES NOT TAKE PHONE CALLS NO MANAGER AVAIALABLE WHEN CALL CUSTOMER SERVICE TRANSFERED TO VOICEMAIL TRIED TO GET DUPLICATE TITLE UNABLE STATE OF COLORADO SAYS VEHICLE STILL HAS LIEN XXXX SAYS TITLE MAILED HOWEVER THAT IS NOT TRUE BECAUSE STATE REFUSES TO ISSUE DUPLICATE TITLE BECAUSE LOAN STILL SHOWING ON VEHICLE. 

ITS BEEN 8 MONTHS
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

XXXX XXXX XXXX holds our mortgage and also collects escrow for our insurance and taxes. We have been receiving documents from the insurance company since the beginning of XXXX about our renewal and I have been monitoring the policy deadline, I wasn't concern because the mortgage company holds our escrow for this, until four days before my home owners insurance was due my carrier still had not receive payment. Payment was due on XXXX/XXXX/18, United has stated that they did not receive any documents from the insurance company yet the insurance company has confirm the address of where the letters were sent and I was also receiving copies. I received two letters in the month XXXX 2018. It's not the consumer job to police the mortgage company to pay their home owners insurance we trust that they are a reputable entity with the resources to comply with their contract. Today is XXXX/XXXX/18 and payment has not reach the insurance company. We emailed united at XXXX on XXXX/XXXX/18 to pay the insurance as of today XXXX/XXXX/18 our insurance company still has not receive payment even though united has confirm a check has gone out. I am disturbed that they did not comply with paying our insurance on time. They are irresponsible and negligent on so many level. I want to make sure that this does not happen again to us or any other consumer whose loan is with XXXX XXXX XXXX. Should I now be concern that our taxes will not be paid on time to receive the full 4 % discount in XXXX?
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank reported to all credit bureaus that my address was ( is ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am not affiliated with this address and am an identity theft victim Further research revealed that this is a business park in Arizona. XXXX advised me to call Chase to find out the name of the business. Chase would not tell me. I eventually pressed to the point the line went silent. 

XXXX  Reports : XXXX XXXX
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-11-10
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. (TX)

The account showing on my report with all 3 credit co., is XXXX  XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Consumer complaint received 2018-10-02
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made the full payment of the statement balance on the credit card on the due date XX/XX/2024 but instead the payment was credited the next day XX/XX/2024 which then resulted in a late fee. When I learned of the late fee, I called customer service, and they waived the {$29.00} late fee. However, a few days later when I logged into the account, I realized that a purchase interest of $ XXXX was charged at the closing billing statement on XX/XX/2024. I called customer service about the interest charge that it should be charged because I paid the due date the statement balance, but their system credited my payment the next day, but they refused to give that consideration.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I have a mortgage, since XX/XX/XXXX, with Nationstar/Mr. Cooper. By chance I discovered in late XXXX, that my mortgage payment was scheduled to increase by more than {$400.00} a month, due to a purported escrow shortage of approximately {$200000.00}. Further investigation revealed that XXXX, on behalf of Nationstar/Mr. Cooper, had made a payment in XX/XX/XXXX, in the amount of {$15000.00} to XXXX XXXX County Taxing Authority. This was in addition to a payment of {$7600.00}, also in XX/XX/XXXX, for property taxes I did in fact owe for that tax year. Apparently, XXXX, of their own volition and without any correspondence with XXXX XXXX County or with myself, paid what they thought were back taxes on the property. The XXXX tax website had not been properly updated and did erroneously show back taxes due, but they were for years prior to my purchase of the property ( in XX/XX/XXXX ) and in fact had been paid at a previous sale of the property. Calls to my closing agent and title company, and the XXXX Taxing Authority, confirmed that there were no delinquent taxes due on the property. XXXX issued a refund check, in the amount of {$15000.00}, sent to XXXX, I believe in XX/XX/XXXX, and that check was cashed by XXXX on XX/XX/XXXX. 
After numerous phone calls and hours and hours spent on the phone with Mr. Cooper ( I have spoken to no fewer than 6 escrow agents and 4 " escrow escalation '' agents, beginning in XX/XX/XXXX XXXX, this issue still has not been resolved! I am still paying mortgage payments that are {$400.00} more than they should be, and additionally, I have discovered that two new erroneous tax payments were made by XXXX, one in XX/XX/XXXX for {$4400.00} and one on XX/XX/XXXX for {$3200.00}. I was told that they will now " open another file '' with regard to these 2 additional erroneous tax payments. 
I really should not have to constantly monitor my escrow account for erroneous payments, then wait for refunds to be issued by taxing authorities and slowly make their way into the Mr. Cooper system! I have wasted numerous hours trying to resolve this and have delayed refinancing this loan because of the false escrow shortage. And now I see that they have repeated this pattern. It really is incompetent. When I was able to obtain the escrow accounting for the life of the loan, there were a few other instances of this happening, which were refunded and of which I wasn't aware. But I am not an accountant, so it is difficult and confusing for me to try to make sure that payments are not made in error, and that if they are, they are ultimately refunded and credited to my escrow balance. As of right now, I don't think I have yet been credited with the {$400.00} mortgage overpayments that took place for several months. I am being penalized for their mistakes and I am being forced to overpay while they resolve their incompetence. I do not trust them at all to properly manage my escrow account.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

Jefferson Capital on XX/XX/year> opened an reported an account that does not belong to me on my credit profile. When I asked for validation of debt they did not provide me with any information. They reported that I owe {$2300.00} in which I have no knowledge of this debt. They then opened another account on my credit profile on XXXX for the amount of {$1800.00} in which I asked them to provide validation of debt and they did not provide any information. I asked them multiple times to remove these fraudulent accounts from my credit report and I disputed these accounts with all 3 credit bureaus XXXX, XXXX and XXXX and they have still not removed them from my credit profile.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # 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
Consumer complaint received 2021-11-10
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: Bread Financial Holdings, Inc. (NY)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have been accepted for the XXXX XXXX for private loan Forgiveness with Navient and all but one of my loans have been placed in forbearance while they make a decision regarding my application. The private loan not in forbearance is a Tuition Answer loan and I was told by XXXX, an employee at Navient, on XX/XX/year> that the Tuition Answer loan does not qualify for forbearance as the funds were released to me and my cosigner and not the scam school, XXXX XXXX. My problem with that is the only way I could qualify for that loan was by attending XXXXXXXX XXXX and Navient verified my attendance as a student there. The only reason I applied for the loan was because I was attending XXXX XXXX. The way the loan was distributed should have no bearing on why the loan was requested and then granted. I should also receive private loan forgiveness and full reimbursement for the Tuition Answer loan as XXXX XXXX was deemed by XXXX XXXX as a scam school and Navient knowingly participated in unscrupulous loan practices with XXXXXXXX XXXX. Navient has been sued multiple times for their participation with scam schools.