davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXXImmediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. XXXX  forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury XXXXXXXX XXXX Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury XXXX XXXX  Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury XXXXXXXX XXXX Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury XXXX XXXX Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One XXXX separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury XXXX XXXX  Virginia say they do not have my money, I am not sure where it has disappeared.
Consumer complaint received 2018-06-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
Consumer complaint received 2022-09-12
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempts to give in to this complaint but then I think my appeal has been overlooked. I am positive that Original creditor : XXXX is reporting mistakenly in Equifax. I do not recall having this account with this company. I dont think there is permissible agreement between this company & myself. I would like you to offer me provable proof this account belongs to me. I request a signed bond which will prove a legal arrangement. Please confirm this information and provide me with copies of any documentation related with this account which bears my signature. In the nonappearance of any such documentation bearing my signature, please delete this promptly. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (SC)

XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance
Consumer complaint received 2022-09-12
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (SC)

I have filled three complaints about racism at the td bank at XXXX XXXX XXXX XXXX, sc XXXX. This specific complaint I was targeted and my accounts were frozen and I had no access to my funds. I have been on unemployment from debt of GA for 9 months and received my deposit to this exact branch, now all of a sudden they stating its fraud because i live in SC. I live in XXXX Sc and drive to XXXX GA for XXXX for a year prior to being furloughed however I'm sure they are not doing this with everyone else. I was forced to send in paystubs, w2 forms, and unemployment proof from GA and I complied on XX/XX/21 however is XX/XX/21 and still have a freeze on my account. I feel that I being discriminated being an XXXX XXXX woman. Here we are in a pandemic and I'm already on unemployment that I can't receive. I then received my taxes and they froze that too. I am going to look into legal advice and the media to show how a XXXX women is being treated at a predominantly white city and bank over filling a discrimination complaint. If this was a fraud issue there was 10 months prior to the complaint to take these steps. Now I'm receiving the run around and I also filled a complaint with the OCC. My next email is to the attorney General Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

After applying for a credit card with XXXX on XX/XX/2018 and noticed that a delinquency was reported for Experian. 

I obtained a credit report from Experian on XX/XX/2018 and noticed that a 30-day delinquent account was reported for XXXX XXXXXXXX XXXX for account ending in XXXX. I have previously filed a CFPB complaint regarding this because XXXX XXXX XXXXXXXX closed my account that had a balance and removed any indications that a balance still existed and didn't provide any means to pay the balance. After the CFPB complaint was filed, XXXX XXXXXXXX XXXX had agreed to remove the delinquency report from ALL credit bureaus in exchange for settling the remaining {$25.00} balance. 

This delinquency is still being reported by Experian to this date.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

We never had an escrow balance because we never paid into escrow, since we pay our own taxes and insurance. The bank returned our payments as escrow disbursement scam, in order to portrait that we were always late and never paid the mortgage on time. This is a fish and bait to see if we take the money and use it for something else so they can complete and continue defaulting us with the intention to steal our property and equity. They are thieves and have targeted my household to do us harm cause were latinos and minority, they think were stupid enough to be scared, and stay quiet to there scam. This isnt a coincidence this is a plan theft by professional thieves. 

this bank servicer is a delinquent criminal and should be investigated and penalized for there mortgage servicing scam.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (GA)

I received UI payment to a debit card called, Georgia Way to go Program card. I need to transfer the funds from the debit card to my bank. I did this in XXXX, with no problems. There is no longer the transfer funds option online and that is not ok. Their Terms of Use document explains that I can transfer funds to my bank account for a {$1.00} fee and to call their customer service line at XXXX. The number is all automated and can not get through to an actual customer service representative. They also do not have an automated option for transferring the funds. In addition, the terms of use documents explains that I can use a " fee free '' ATM of theirs with their MasterCard logo and XXXX logo. However, it also says those ATMs will incur a fee. So they are saying 2 totally different and contradicting things.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

I was notified by mail on XX/XX/2018 that my mortgage loan was purchased by XXXX XXXX on XX/XX/XXXX My original mortgage was through Quicken ; I closed on my new home XX/XX/XXXX. My loan was only with the original company I CHOSE for LESS THAN 2 MONTHS! Upon conducting some research, I learned that legally both the old and new servicer must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I never received the servicing transfer notice, so I'm filing this complaint with the CFPB. Additionally, XXXX XXXX couldn't even be bothered to update my mailing address to the purchase address ( this should be a given, common sense! ) so I received the notice of them purchasing my loan over 30 days after it was sold because not only was it sent to my old address but it was sent out on XX/XX/XXXX. This is not right, these huge corporations need to be held accountable for the ways they take advantage of everyone! When is the corporation going to be held accountable/responsible and where is the protection for the consumer??
Consumer complaint received 2022-09-12
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent an investigation request to XXXX and Trasn Union on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KY)

Unauthorized credit inquiry on XXXX credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX credit report.
Consumer complaint received 2023-02-07
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. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Profit Services Group (GA)

My employer received a call on XX/XX/XXXX from Profit Services Group. XXXX XXXX XXXX was the lady that spoke with my co-worker and my manager. After I had left for today she asked to speak with my manager and my co-worker told her he had left for today. He gave her my manager name and she call the company operator to get his telephone number. My manager text me at XXXX XXXX XXXX XXXX asking about a XXXX XXXX who insist on speaking to me. She had my co-worker and my manager in a big uproar about trying to reach me. The very next day she called again and I answer the phone. I let her know not to contact me at work no more. She claim she tried to reach me at home and I told her I never received a call from you. XXXX XXXX said " we don't leave messages ''. So she decided to call my employer. She said she knew it was my number because that was my voice on the voice message. That was a RACIAL statement!!! I never spoke to XXXX XXXX for her to made that kind o statement. I asked may I speak to your manager and she replied I am the manager!. I asked may I speak to your supervisor, and she refused to let me speak to him/her. XXXX XXXX should be terminated with this kind of behavior immediately!. My insurance provider and I tried to do a 3 way call to clear this matter up. Profit Services Group is trying to collect $ XXXX.My Provider is disputing this amount in which they said I owe only {$33.00}. We contact the XXXX  XXXX XXXX to help clear this matter up.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (DC)

XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.
Consumer complaint received 2022-09-12
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 sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$26.00}
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts
Consumer complaint received 2023-02-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (SC)

Spire Solutions Recovery called my wifes phone number, and they told her they were XXXX. She never once gave her name or identified herself as my wife. The representative proceeded to give the address they mailed the paperwork to, and gave my email address. My wife was like what if I would have changed my number and someone else got that information. They should not have given out my personal information such as my address.
Consumer complaint received 2018-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IN)

My daughter XXXX XXXX & I XXXX XXXX jointly own a home at XXXX XXXX XXXX, XXXX IN XXXX. For about 5 years we have tried to refinance for a lower interest rate we get all of the dicuments & necessary paperwork needed to complete the transaction and Flagstar will block it every time. We have asked them to help us lower our rate but they refuse every time. We recently discovered that the bank is saying we owe them {$8600.00}. I have never received any notices about the missed payments they say we owe from XX/XX/2016 to XX/XX/2016. That is a total of 5 months at {$1500.00}. Attorney fees {$650.00} and court costs $ XXXX.I was not aware of this and we have requested a stsement each monthshowing a breakdown of payment, principle, interest, insurance, etc. they abaolutly refused. she even tried to open our account on the website of Flagstar to access our account to see her personal history, she was blocked from that also. What bank allows you to to do this. Im angry because Im responsible for this enormous amount of money they say we owe that I was never notified about. Im XXXX years old, lost my husband 5 years ago and my duaghter is a single mom of XXXX. Flagstar had no answer when I asked them why I was not notified about this. No mortgage company will help us because of their dishonesty. I have other documents that I can share with you. Please let us know.Thank you
Consumer complaint received 2020-03-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

XXXX XXXX XXXX XXXX  is my lender ; I fell into default on or about XX/XX/2018, on my first mortgage.and submitted a request for a loan modification on XX/XX/2018. I contacted XXXX XXXX on or about XX/XX/XXXX to follow up on the application and supporting documents that I had submitted. 
On that date, I was informed by XXXX XXXX that the mortgage servicing had been transferred to Fay Servicing on XX/XX/2018 (  one month prior ) while the mortgage was already in default. When I contacted Fay Servicing about this, I was informed by Fay that they would not review my file for loan modification consideration as the foreclosure date was too close. My allegations are : 1. I was not given written notice by either XXXX XXXX XXXX XXXX or Fay Servicing when my loan servicing was transferred ; had I been expressly informed ; I would have submitted my modification request to Fay Servicing. 
2. My loan went into default in XX/XX/2018 therefore, loan servicing was transferred while the loan was in default. 

The amount of my default is {$14000.00}