davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TN)

1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.
Consumer complaint received 2022-09-07
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

In response to XXXX XX/XX/XXXX response XXXX. The company finally provided a breakdown of how my payments were applied for XXXX & XXXX. I still have concerns about how my payments were applied but I will try to get a resolve from the company. 

I have signed and notarized the Partial Claim documents as instructed in the XXXX response. Ive returned the original document, plus two additional copies to the address provided in the response. The post office confirmed receipt of delivery on XXXX - see attached document. 

Just to confirm what youve explained in previous complaints, an extra two months of mortgage payments were added to the partial claim amount to allow for processing, and that I am to skip making payments for two months while the partial claim is being processed. Please confirm that youve received my documentation and when I should resume making monthly mortgage payments.

Ive tried to confirm the info by calling your office. I spoke to XXXX on XX/XX/XXXX at XXXX PST and she advised me that I had to speak to the special loan department. I was then put on hold and XXXX came back saying she needed to transfer me to Loss Mitigation. I was placed back on hold another 6 minutes of silence then an automated message played advising someone would be right back with me. After 10 minutes, XXXX answered. I asked XXXX if my Partial Claim documents had been received and processed. XXXX asked when I had mailed them out. I advised her that the United States post office confirmed the documents were delivered on XX/XX/XXXX. XXXX says she would check the system. I waited and after 5 minutes she advised me that she needed to place me on hold. XXXX then asked me which documents I sent back, after I explained which documents Id returned. XXXX then asked what address Id mailed the documents to. I advised her that Id mailed the documents back to the mail to address in XXXX, TX on the Partial Claim documents provided in the companys XX/XX/XXXX response. XXXX then stated that she didnt know if that was the right address? She then asked me if I was sure the documents Id returned were not a loss mitigation packet?? I asked to speak with a supervisor, XXXX said she would try to get one and placed me on hold. XXXX came back 5 minutes later asking if Id take a call back. I explained to her that in the 50 or so times Ive asked for a call back I have yet to receive even one call back.

This feels like Im going thru the exact same madness I went through as explained in my very first complaint.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In the last week of XX/XX/2023 I received a pre approval from Capital One for a XXXX credit card. I applied for the card with my current information and was approved. I then received the card in the mail to the address I had applied with and activated my card using the telephone id applied from with the phone number Id put on my application. My card was already restricted when activated. Upon calling capital one multiple times I had 3 different supervisors verify my new number and unlock my card just to have it locked on the next purchase. I am a victim of XXXX  XXXX and all of my information is updated as I am hiding from my husband and trying to get my children and i to another state. I applied for this card with the intention of using it to aid in helping us make this possible. I do not have an id due to Covid and my appt with the California dmv isnt until next month. Capital one has promised that a specialist would be calling me every day since turning my card off the last time and still nothing. I dont understand how one supervisor can send me a text to my phone number, another supervisor can call me on my phone number, a fraud specialist can leave me a voicemail on my phone number, I can get a PIN number sent to the address on the application but its not able to be used to identify me and all of a sudden no one at capital one can use my phone number to verify my identity all tho iv done just that numerous times. If an ID card was needed to access my lien of credit then why would capital one not ask for it upon the initial application, before singing my credit report and sending me a card I can not use? I had to go they great links in order to even get this card safely and now Im back at square one. Had capital one conducted a proper procedure in the application process and asked my id when applying, I wouldnt have wasted my time or opportunity in getting this car and would have tried for a card thru another company with more honest practices and no hidden hoops to jump thru. This is now effecting mine and my children lives in a much larger and dangerous way then imaginable to all of the people at capital one that have misinformed me numerous times and all have different procedures and policies then the next agent.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (MI)

My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove late closed accounts from my credit report. Despite my repeated efforts and assurances from your company, these derogatory entries persist, impacting my financial reputation and opportunities. 

Over the course of several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Unfortunately, each attempt has yielded temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The persistence of these late closed accounts on my credit report has had significant consequences, including hindering my ability to obtain favorable terms on financial products and negatively impacting my credit score. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Consumer complaint received 2022-09-07
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. (TX)

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 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Saturday XX/XX/2022 I deposited a check from XXXX retirement for {$2300.00} and none of it was made available same day nor was it available the following business day XX/XX/XXXX. I spoke with a few people whose names I don't recall. I spoke with two agents on Saturday XX/XX/XXXX by phone at around XXXX then I spoke to someone named XXXX on Bank of America 's chat help via XXXX.The phone agents first advised me the money would be available the following business day then I asked about the timframe that I got from the automated system when I called in which informed me the money would be available on XX/XX/XXXX. The agent then confirmed that was correct. So it seems Bank of America doesn't have a clear timeline and is holding my money unnecessarily for an excessive amount of time when I have things that have to be paid now! The check is from my retirement funds so obviously it's needed now! Withholding my funds has caused my bank account to go negative and I have XXXX money for anything else.As of this morning Bank of America 's virtual assistant shows the funds will be available on XX/XX/XXXX. If I had taken the check to XXXX to cash it I would have had the money in my hands the same day. This is a ridiculous process and a complete abuse of power by banks. 

Make my money available yesterday! and waive any overdraft that occurred due to this excessive hold.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NH)

Starting XX/XX/2022, my Santander checking account debit card was utilized by individual ( s ) in Florida who had no permission to do so. Santander, or merchants, reversed these transactions. I thought I was protected for future occurrences. Instead, transactions amounting to {$2100.00} were made, but no reversals were executed. 

Calls to the bank indicated that I should not worry. An investigation would be conducted. The results were that NO ERROR OCCURED. I questioned this, to no avail. The bank representative indicated that only new evidence would restart the investigation, and she stated that my PIN had been used. It seemed she blamed me for this. 

I have photo records of transactions, supplied by the bank, as well as photos of my bank account during these transaction. I am seeking reversals of all transactions.
Consumer complaint received 2016-10-15
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (VA)

I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX of XXXX I discoursed by credit card number had been stolen and was being used for cash advances from a service called " XXXX ''. I alerted Chase Bank and they reissued cards. ( Change from account number of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXXXXXX ). They advised the matter was resolved even though they have charged interest on CASH ADVANCE that I never received and was in fact fraud. Calls, emails, etc. have been ignored. Not sure what do at this juncture other than file suit but the amount is to low for attorney to be interested.
Consumer complaint received 2022-09-07
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. (PA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-03-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to transUnion that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!