davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2008, my wife and I purchased a new home. We got a 5/1 ARM from ING. WHat made this mortgage unique, was that it had a rate renewal program attached. The way the rate renewal program worked is that if at any time over the course of the mortgage we wanted to lock in the current rate for another 5 years, rather than refinancing our mortgage, for a fee equivalent to our currently monthly mortgage payment, we could " renew '' our interest rate to the new rate for 5 years, and in exchange we would have a 1 yr pre payment penalty from the time we locked in the new rate. 

So for instance lets say when we first got our mortgage we were paying 5.25 %, and our monthly payment was {$1000.00}. And then in year 2, we saw that ING was advertising their 5/1 ARMS at 4.5 %. For {$1000.00} fee, we could switch from paying a 5,25 % fee for the next 3 years, to paying 4.5 % for the next 5 years. This way we could avoid all of the other associated refinancing costs, and if we had 28 years left to our mortgage, we 'd still have 28 years left. 

ING was purchased by Capital One. Recently we saw Capital One advertising their 5/1 ARMS refinance rates at 3.5 % We wanted to renew our rate at that 3.5 %. But when we went to renew, they said our rate would be 3.75 %. We asked why. 3.5 % was clearly the advertised rate. In fact they said if we wanted to go through the entire refinance process, we could get the 3.5 % rate as advertised. Their response was that they had a separate rate they were using for the rate renewal, and the available rate is only available when you log into your account. 

I tried to explain to them that by only offering a rate that was .25 % greater than thier advertised rate, they were effectively charging me an additional fee. As part of the rate renewal program, the only fee I should have to pay, is XXXX month 's mortgage which for me is about {$800.00}. The difference between paying 3.5 % over 5 years or 3.75 % over 5 years would be an additional {$2000.00}. Using their logic that they could have a separate rate for people in the rate renewal program ( this program is no longer offered ), they could effectively make the rate so high, that no one could ever use that option. 

I signed up for this mortgage, because I never wanted to have to pay refinance fees again, or go through all the paper work. When ING was still around, I never had a problem getting the advertised rate. Capital One bought ING, they bought the mortgages, and they should be required to honor all of the provisions.
Consumer complaint received 2016-09-28
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (OR)

XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX
Consumer complaint received 2016-06-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (NY)

WHY WESTERN UNION RUNS AN ILLEGAL AND DECEPTIVE ORGANIZATION : ( 1 ) BECAUSE ALL THEIR FACILITIES LISTED ON THEIR WEBSITE ONLINE AS " AVAILABLE '' EITHER HAVE A SMALL DOLLAR AMOUNT LIMIT FOR PICK-UP OR ARE CLOSED EVEN THOUGH THEY ADVERTISE THEMSELVES AS " OPEN ; '' ( 2 ) ALL THEIR TELEPHONE OPERATORS ARE FROM XXXX AND DO N'T EITHER SPEAK OR UNDERSTAND XXXX ; ( 3 ) THEY PURPOSEFULLY MAKE IT HARD FOR YOU TO PICK UP YOUR MONEY SO THAT THEY CAN COLLECT AND KEEP THE DAILY INTEREST AND/OR HOPE THAT YOU GIVE UP AND LEAVE IT WITH THEM FOREVER, THUS ALSO GOING BACK INTO THEIR OWN ACCOUNTS FOR THEM TO KEEP.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Adler Wallach & Associates, Inc. (CA)

i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later
Consumer complaint received 2015-06-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law?
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I purchased a vehicle and became ill requiring immediate surgery. I had XXXX through my employer, ( I thought ), and they did not make the payments. Needless to say I was without a salary for XXXX months. During this time there was no way to pay the loan and the vehicle was repossessed XXXX. I got married and my husband and I were purchasing a home and the mortgage company noticed a change in the date this was originally reported. The date went from XXXX to XXXX. The mortgage company and I conference called with XXXX XXXX with the original creditor and they confirmed the date was indeed XXXX and the company the account was sold to changed the date. The company was contacted by my current mortgage company on my behalf and stated they would correct the information, however, XXXX of my new credit card limits was reduced because of the same company reporting as of XXXX this account is " open, '' which is not possible because it was written off years ago. It is not " paid '' but it is not open. This would imply that I have the vehicle. I have since obtained a vehicle and do not have an open account with them. I would really like this to be reported accurately because I have worked too hard to clean up things from past credit hardships and this information is being reported inaccurately. I would appreciate any assistance in this matter.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

My homeowners insurance was not paid by my escrow reserve account which is owned and administered by LOANCARE/XXXX. In conversations with LOANCARE/XXXX employees over the past couple of days. I learned that these companies did not do due diligence in paying my homeowners insurance for the mortgage of my family 's home despite having agreed to do so since agreeing to manage my mortgage and escrow account. The actions or inactions of either LOANCARE/XXXX  has resulted in the cancelation of my homeowners Insurance policy by XXXX XXXX. The truth of this situation was discovered by sheer accident not by the company but rather due to mortgage refinance that I initiated. In talking to employees at both LOANCARE/XXXX and XXXX I have been given contradictory information why and how this error occurred.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX % accurated dated and verifiable.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (IN)

My account with XXXX XXXX XXXX XXXX was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked XXXX XXXX XXXX XXXX  to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE XXXX XXXX XXXX XXXX... THEY ARE TOTAL CROOKS!
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}
Consumer complaint received 2016-04-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Consumer complaint received 2021-04-29
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. (LA)

From XX/XX/XXXX until XX/XX/XXXX I wrote near-monthly letters to Equifax advising that there were errors in the reporting of an account on my credit report (  XXXX XXXX ). Some months I received a response, some months I did not, but the times that I did the response was always the same, the creditor validated the incorrect information as correct. However, Equifax simply changed the information reporting each month, rather than deleting as they should have. On XX/XX/XXXX I wrote to Equifax, after all pending disputes for this account had cleared and the account remained, still reporting inaccurate information, and advised that this account was now past the legal reporting period. XXXX  and XXXX  were also reporting this account and were also put on notice that they were reporting this account past its legal reporting period. XXXX  responded and removed the account as required and forwarded notice of its compliance. On XX/XX/XXXX a copy of that notice was forwarded to Equifax along with another demand that they remove the XXXX account. Not only did Equifax not comply, it updated the account with additional incorrect information and caused a drastic drop in my credit score. Despite being reminded, repeatedly, that credit bureaus are required to report only accurate information, Equifax repeatedly disregards my consumer rights by not only reporting incorrect information concerning this account but also refuses to remove the account altogether based on the inaccurate information reporting nor the fact that this account is also past its statutory reporting period, regardless of the information reported.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (PA)

I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. 

Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Merchants' Credit Guide Company (IL)

I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (TN)

I 've submitted a request for mortgage modification and current financials to my mortgage company Fay Servicing several times. I have received a property foreclosure sale notice for XX/XX/2017. Faye servicing is currently processing my modification request and they have not postponed the property foreclosure sale. I want to keep my property.
Consumer complaint received 2023-04-16
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)

Re : CARES ACT VIOLATION I am writing to dispute a Late Payment being reported by XXXX XXXX XXXX XXXX to my consumer report. I am requesting that the Tradeline be UPDATED to PAANL ( Paid As Agreed Never Late ) immediately due to XXXX XXXX XXXX XXXX violating the FCRA under the conditions outlined in the CARES ACT. The CARES Act explicitly states that if a consumer is granted payment relief or extensions then the grantor can not report the consumer as being Late on payments. 

The CARES Act was signed into law on XXXX XXXX, and Violations of the CARES Act protections will be enforceable under the FCRA once a consumer lodges a dispute with a CRA, thus triggering a furnishers reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that XXXX XXXX XXXX XXXX provide proof that they complied with the FCRA and ALL its mandated rules when it comes to the Provisions and Protections given to consumers under the CARES Act. I request 100 % certified and authenticated proof that XXXX XXXX XXXX XXXX was compliant with the FCRA in accordance with the CARES Act. 

Please be advised that you are reporting inaccurate, incomplete, and erroneous information on my credit report. The mere fact that you are reporting the Late Payment constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

If you can not provide this proof, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the LATE PAYMENT must be UPDATED on my consumer report.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

I have tried numerous times to get fraudulent inquiries deleted off of all of my credit reports and I have spoke with the credit bureaus, disputed the information, and have received the same " Inquiries are a factual record of file access. '' within 2 days of filing the dispute and no resolution.