davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have 2 capital one accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts. 

Account XXXX : XXXX  shows XXXX  Current/paid, updated XX/XX/XXXX XXXX XXXX  shows XXXX  derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account XXXX : XXXX shows XXXX Current/paid, updated XX/XX/XXXX XXXX XXXX shows XXXX Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, Capital One is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a bankruptcy on my credit reports. The bankruptcy is stopping me from being able to get credit. I call the court they said they don't report bankruptcy to credit bureaus. I never follow through with bankruptcy. on my credit it shows that court house is reporting the bankruptcy. The credit bureaus says they get info from third party company. This bankruptcy should not be on my credit report.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (PA)

XX/XX/XXXX we refinanced our house and our Mortage with caliber home loans was paid off. We have since sold our home and were scheduled to close this past week, A few days before closing it was discovered caliber never released it. We now can not close since this loan still shows open of record. We are in jeopardy of losing these buyers. In addition we are scheduled to close on our new home XX/XX/XXXX but will have to cancel until we receive this document. 
Myself, and our new title company have both reached out to caliber and they are very unwilling to help us. We even sent them a XXXX label and envelope to send it back to us. All they will do is give us an email address XXXX and say they will get to us in the order of their requests. They will not let us speak to anyone in the department only provide that email. However, the people we have spoken to all verify to us the loan was paid off XX/XX/XXXX so I dont know why they just can not send this release immediately. Its been almost 8 months and we are now at risk to lose the sale of my house and the purchase of our new home.
Consumer complaint received 2021-12-02
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. (GA)

I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, EQUIFAX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I have been in the process of getting my home refinanced since XX/XX/XXXX I am writing this on XX/XX/XXXX. I have been ignored by members of this company, I have been fed excuse after excuse from this company and have had my loan officer changed multiple times. The latest most unforgivable offense, has just happened this last week. after confirming the closing and signing date I received an email from the company to e-sign the last documents. These documents were not in my name, they were instead in the name of my step father who was supposed to be coming off of the loan. we are now potentially needing to delay the signing of the refi that has already taken almost half a year to process because of their incompetence. The only reason I had even considered going with Freedom Mortgage was because they currently hold my loan. I made the mistake of assuming that because I had never had an issue with them when paying my monthly mortgage I would have no issues doing my refi with them. I could not have been more wrong. The final straw that made me write this complaint was a phone call I received today from them, at my place of business, to confirm my stepfathers employment. My stepfather doesn't work where I work, he is long since retired and has never worked at my work. This was 4 days after calling and notifying them of their mistakes. clearly they had not stopped what ever process they had started and their company is wildly disorganized. furthermore I am concerned that with this blunder that other errors are being made. is my stepfathers credit being run? he never authorized it if it has. It only leaves one to wonder what other mistakes are being made that no one is noticing. I would never, ever recommend Freedom Mortgage to anyone I know
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, XXXX, AND TRANSUNION ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.
Consumer complaint received 2021-10-17
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: DISCOVER BANK (MS)

The company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have a debt in the amount of {$490.00} from the original credit XXXX XXXX that was sold to XXXX XXXX XXXX collection that was later deleted and now has been resold to XXXX XXXX. I was not aware of this account being put on my credit within in 5 days prior to being reported to the credit bureau. As well I have talked to XXXX XXXX XXXX on more than numerous occasions in reference to this debt and getting a letter to verify this is my account which was never received. XXXX XXXX this particular collection company is not licensed to collect in the state of TEXAS.As for the account being sold I am no longer liable to pay for this account.
Consumer complaint received 2024-03-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA (NJ)

Have received approximately 25 calls ( which are continuing at XXXX per day ) from Hyundai Motor Finance asking me to contact their collections department. The calls do not ask for anyone by name. 
I have no loan, no lease, and no relationship with Hyundai. I have never owned nor leased a Hyundai automobile. I've never even set foot in a Hyundai dealership. 
I have made several calls to Hyundai Motor Finance asking that the calls stop with no effect. Customer service representatives state that my telephone number does not appear in their system as being associated with any account. I suspect this is incorrect as their automated phone system does appear to recognize my number as it asks me to verify my account with the last 4 digits of my social security number which, obviously, I have not done. 
I have owned this telephone number for at least 20 years and I'm not aware of any problem with identity theft or any type of fraud that would have my number associated with any other identity or financial account. 
I have attempted to contact at least 6 top-level executives of Hyundai Motor Finance / Hyundai Capital America but it appears that their corporate email is set up to block emails from outside their own domain as all emails have resulted in error messages. 
After speaking to someone claiming to be a manager within their collections department I was promised that the complaint would be escalated to the team that handles their call system and that the calls would stop within 48 hours. That was over a week ago and the calls continue on a daily basis. 
I can provide call history of each and every one of their numerous calls and of my attempts to resolve this situation with them.
Consumer complaint received 2021-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

In XXXX of XXXX my payment went up from XXXX a month to XXXX a month. I called and they said my local county tax office reported the wrong taxes for XXXX and they paid a shortage from my escrow to cover the taxes. I contacted my county office and they had not reported incorrectly, and reported exactly what they should had. They sent me the documents for my home. And told me to call Huntington Bank back and work out the issue with them as it is not their issue. I have been calling Huntington for the last 5 months and it still has not been explained to me why they are taking an extra XXXX dollars a month from me. If it was for back taxes that by the way they pay for me. My annual tax bill is XXXX ( not exact but around XXXX, XXXX ) the XXXX a month they have already took, is more then enough to cover they debt they say I owe, even though they are the ones that is suppose to be keeping this on track and correct. They have another XXXX scheduled for XXXX and I need a detailed explaination, and documentation proof of this increase, and a date when this shortcoming will be finished. I can't and won't pay this for the house I have, its not worth being broke for.
Consumer complaint received 2021-03-30
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. (AL)

In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting three different dates of last activities. XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Also, there are different high balances being reported. {$7500.00} on Transunion and XXXX, {$6000.00} dollars on XXXX. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Sir/Maam ... My name is XXXX XXXX XXXX XXXX XXXX XXXX. I am an enlisted personnel of the XXXX XXXX On XXXX XX/XX/2021 I sold a XXXX  XXXX XXXX XXXX XXXX Buying Website called XXXX, the XXXX amount is around XXXX that is XXXX XXXX XXXX worth of XXXX, l was able to sell it in XXXX with more XXXXr less XXXX and it might got higher depending on the market exchange also according to the XXXX they are the one who would shoulder the payment of the transfer from them to my Paypal account. On XXXX XX/XX/2021 in batches they sent into my Paypal first the amount of XXXX including the Payment of transfer the later in the afternoon they send again to my Paypal the amount of XXXX including the payment of transfer, in total I only got more or less XXXX and as expected it got higher that the projected amount l first mentioned. 
At that moment when l recieved the payment ... Paypal emailed me to explain my transaction ans send them my proof and l did. l even send them my XXXX lD, l also explained to them the transaction l did.. lt is actually the first time l made transaction with Paypal and my accout is new.. however l have a Paypal account before but XXXX already forgot the password fo l made new one ... The next day XXXX XX/XX/2021 They send me an email that my transaction in my Paypal will forever be limited and they will hold my money worth of XXXX for 180 days ... l try to reach out to them but maybe beacause of Pandemic it is quite difficult. They said that my transaction is suspecious but l provided them the screenshot of my transaction and my ID ... they are becoming unreasonable ... 
lt quite difficult nowadays and so l was trying to make some money online while on duty and yet this is what they done to me very disappointing ... 
l am hoping that through your agency the Paypal will be able to restore my account and be able to withraw my money very soon.. 
Thank You..
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I was putting in my credit card information online for a room at the XXXX for XXXX XXXX ( in 6 days ) when I saw the offer for the XXXX XXXX XXXX Credit Card in which it showed the following offer : {$100.00} Price for Stay - {$100.00} Statement credit = {$5.00} *Total after statement credit. 
*Price for stay and statement credit may post on separate statements After inputting my information, A window popped up stating, You have been approved for a {$15000.00} credit limit and You will receive your card in 7-10 business days. Because the offer implied that If approved for the card, I would be able to pay for the room on the card and then after the first statement, I would receive {$100.00} credit. Now, it appeared that I could not actually book the room with the card. I immediately called XXXX and after explaining the situation and waiting on hold several times, I was told, This is not through XXXX, it is through Chase and I was given 2 separate phone numbers to try ( XXXX and XXXX ) after attempting to speak to a person on the first number and being disconnected because I couldnt provide a card number, I was able to speak with someone at the second number. After hearing my situation and consulting her supervisor, she was apologetic, but told me that, while the credit card was through Chase, the actual offer was through XXXX and I would have to call them back. I called back the XXXX number ( XXXX ), where the agent put me on hold for 1-2 minutes while she looked into this. The next person who picked up the phone told me that I had been transferred to Chase credit card services ( who I had just hung up with ). After almost 2 hours of explaining the situation to customer service and supervisors at both XXXX and Chase, I was told that I would receive a call from an Escalation Agent within 24 hours. This morning I received a phone call from XXXX at Chase Apply by phone escalation team at XXXX XXXX XXXX ). XXXX told me that the room needed to be in my cart in order to receive the offer. When I explained that I was in the process of paying for the room ( entering my XXXX XXXX XXXX card number ), therefore the room was obviously already in the cart when I clicked to apply for the card. She then told me that the math is just for illustration purposes, showing what you could save if you used the card to pay for the room. She was sorry, but my card would arrive within 2 weeks. I told her that this felt like false advertising and that I had been tricked into applying for a credit card ( and whatever associated decrease in my credit score for applying ) which was now useless to me. 
She said she was sorry and asked if there was anything else she could help me with. I told her that I would be reporting this fraudulent advertising.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

In XX/XX/XXXX Usaa had an error for many users in its auto pay system. They told this directly to me. My payment was not collected and I was not notified about the missing payment. Typically I would be emailed a statement and then called several times before a 30 day period had passed. there system however never showed the payment as missed. The only reason I realized the payment had not been made was due to my credit score dropping about 150 points due to the 30 day late payment they reported to the credit bureaus. I immediately called and made my payment but even then they did not see the missed payment flagged and I had at that point already auto paid two other months. They offered to pay my late fees which they then realized didn't exist because the system never processed the missed payment as missed and then told me I needed to file a dispute with the credit bureaus in order to clear my late payment history and restore my good credit. I did this and waited the 30 days. They sent me a letter about 35 days later telling me they denied my request so I called them, the average hold time is about 40 - 120 min. The agent I called on the first second a third times over the next two weeks all told me that Usaa had indeed sided with me in the dispute and that my credit report should return to normal. Two days ago I called again on XX/XX/2021 because my consumer report that they told me to order to prove that my score would go back to normal still showed the late payment. I pushed hard with the agent I got and was able to escalate to an advanced soultions team who were able to verify that the letter they has sent me was indeed the ruling that usaa had made and that he wasnt sure why the other agents had told me otherwise and that he didnt know and couldn't find out why Usaa had ruled that way and that all I could do was file the same dispute again. I spent more than 14 hours of time on HOLD trying to talk to Usaa just trying to figure out what was going on and there is no other recourse other than this report.
Consumer complaint received 2021-05-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviwed a current copy of my credit report and show inaccurate on incompleted information listed to my credit report. I sent a request for investgation to Transunion with to an alleged public record listed of bankruptcy. I recieved incompleted on unverified information back from transunion states that alleged public record verfied per data funisher. I understand that per the law of FCRA under permissable purpose. That I have not given any funisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investagtaion to the matter and request lawful reply.