davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. 
Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. 
On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. 
On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? 
My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. 
I 'm happy to discuss this with your or one of your associates further if you wish. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (FL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

XXXX XXXX, XXXX a Class Action Suit In the XXXX, Illinois was conducted Case # XXXX. XXXX -- Plaintiff claimed amount $ XXXX, XXXX as defendant. Case was awarded to defendant XXXX. Court documents inclosed ; ( XXXX/XXXX/XXXX ) XXXX IN the XXXX, Illinois ; Summons ( XXXX ) CCM XXXX ; Answer ( rev. XXXX/XXXX/XXXX ) CCM ) ) & ; Complaint XXXX pages XXXX and XXXX ... ... .I submitted letter dated XXXX XXXX, XXXX to Equilfax Information Services LLC requesting deletion of XXXX partial acc. number XXXX from Credit Report File which have been denied
Consumer complaint received 2016-03-09
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.
Consumer complaint received 2024-02-03
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. (CA)

I am a victim of identity theft and my identity was stolen. Please delete and block the listed Fradulent accounts from my transunion credit report. 
Block and remove these account which are fradulent. These accounts are not mine. I never applied for these accounts ftc report atached to show which accounts are fradulent!!!
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Service, Inc (FL) (TX)

I received a letter from United Collection Service , Inc. dated XXXX XXXX, 2016. I replied by certified mail / return receipt disputing the entire debt and this letter was received and signed for by them on XXXX XXXX, 2016. I have not received any written communication from them since their receipt of my letter. But today the attempted to contact me by phone which they are not allowed to do as they have they received my written dispute letter and not responded to it.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have been having an ongoing problem with Equifax over trying to put a permanent lock on my credit report. First, I was unable to login to my account. Then I was told that they would send me a verification code to access my account. Next the verification code did not work. Lastly, I called their toll free " Customer Care Team '', who wanted me to start the whole process over again online. At that point I repeatedly asked to speak to a Supervisor to no avail. Finally I told them to permanently lock my credit report. 

I don't ever want to deal with company again, however I still need to know that my Credit information is locked.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc. (CA)

i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

Signed up for forbearance, due to covid related job loss. The start date XX/XX/2020 for three months. They started it in XXXX, I paid XXXX payment and XXXX payment now I am behind 2 payments for XXXX and XXXX. 
I want the forbearance to be for the 3 months that they offered. 
I spoke to Barclays customer service 4 times for a total of approximately 4.5 hours. The consistent theme is that I have been late on my payments which is false. I have paid 1 month ahead since I obtained this loan. The customer service reps say they can not do anything about this. I have asked to speak with management of Barclays. They refuse to forward me to management. My credit score was XXXX before they reported that I was 2 months late. It is now at XXXX, after this debacle.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either.  After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. 
Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us.  When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES (TX)

XX/XX/2019 On today 's date, I received a telephone call from a XXXX  at the XXXX XXXX XXXX XXXX XXXX at XXXX, ext. XXXX. XXXX asked if I was ( stated my name ). I said yes. He advised that I was not the person that called him a few minutes ago. He inquired if I talked to him about two minutes ago. I stated no. I learned that the XXXX XXXX at XXXX attempted to get information about my loan and XXXX recognized that something was misaligned. He disconnected the call and made contact with me. During this conversation, I learned that the XXXX XXXX XXXX was NOT a part of the US Department of Education which I was lead to believe they were. I had received numerous calls from these people advising that I was a veteran and I must not let my loans default because it could be financially devastating. I end up paying these people {$720.00} to consolidate my loan which XXXX stated I did not need to. As a student and veteran, the Dept of Veteran Affairs and I could have done it myself. I want my money back and believe these people should not make nuisance calls wearing veterans or anyone down about defaulting on their loans. I believe their tactics are definitely predatory. I want to be reimbursed {$720.00}.
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MI)

Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (GA)

On or around XXXX to XXXX I saw a lot of pre- approved on Credit Karma . I did not think much about it at first, but Credit Karma keep sending me all kinds of per-approved advertisements tell me I was pre-approved for Credit cards, auto loans, refinance ets So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers I started to plan for vacation and investment that I was going to use the pre-approved for.so I applied on or around some time in XXXX and I was denied. I was disappointed, and discouraged. I felt so deceived. I was market to for mounts, credit karma telling me I was approved. This was a lie.I was extremely stressed. I was nauseous for weeks. Bad headaches for months, my XXXX got so bad that I became antisocial, and now any time I see pre- approval I immediately close my phone, shut my computer down, or change the channel. This has made me so uneasy I havent checked my credit as often as I should.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I submitted a inquiry ( and only inquiry ) about COVID relief and specfically asking if there were retroactive option. Here is exactly what I wrote : " Is it possible to apply COVID relief measures retroactively? To apply a measure starting from and ending on an earlier date in order to mitigate recent past issues? '' Nowhere did I request to have my account put into forbearance. BUT, Freedom Mortgage took it upon themselves to do this without my approval/consent/knowledge. I learned yesterdayXX/XX/XXXXby checking the website that I'm under " disaster mitigation '' and " forbearance ''. ( despite setting up autopay, I must check this website almost every day as this website has had a history of issues, another story for another day ). 

To reiterate I NEVER REQUESTED forbearance. Freedom did this without my approval/consent. I sent several internal messages I called today, as was told it would be " removed in 5-7 buisiness days ''. That is not good enough, I'm currently refinancing with another better company and this may cause a hangup, and I don't have faith this will be corrected quickly. 

I never wanted a forbearance, I made a casual inquiry about options. How is this even legal?
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Fraud reporting of a XXXX XXXX bankruptcy by XXXX! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but XXXX has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community XXXX XXXX and transition has also allowed pulling of my credit report by XXXX XXXX XXXX and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of community loan servicing and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with USDA YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! Transunion XXXX XXXX has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I submitted my XXXX XXXX mortgage payment via Carrington Mortgages automated payment system on XXXX/XXXX/2016 for XXXX/XXXX/2016 which was a Sunday. This was done electronically so I assumed it would post but I knew it wouldnt process until the next day. The automated system stated that payments on weekends and holidays would PROCESS the next business day. It did n't say post the next business day. So Carrington posted my payment for XXXX XXXX although even the documentation they sent me states XXXX XXXX. This caused me to receive a 30 day late on my credit. I disputed this with their research department who refused to correct the 30 day late. I feel this is unfair credit reporting and wish to have it rectified.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (MI)

NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (PA)

Hi, I had raised a request for refinance with TD bank in the month of XXXX with a 90 day window ending on XX/XX/XXXX. TD banks document itself had a closure date of mid XXXX. As of XX/XX/XXXX the bank has not closed the loan. There seems to be a issue with their underwriting process as they seem to get stuck there and the neither the loan processors and originators have any clue as to what is happening. I have followed up with the processor and also the escalation mechanisms available via TD and they have not been able to provide any ETA and not meet those that they committed to. I have provided all required documentation and details. This is adversely impacting any planning around finances that I am trying to do.
Consumer complaint received 2019-02-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Based on the open case with Specialized Loan Servicing Account number XXXX. The vendor mentioned in their response that they sent a " Notice of Default and Notice of Intent to Foreclose '' On XX/XX/ 2019 I received a package from Specialized Loan Servicing LLC informing me about the compliant I filed with Consumer Financial Protection Bureau ( CFPB ) with regard to the servicing, reference case no XXXX and XXXX. Specialized Loan Servicing mentioned that they sent me this notice " Notice of Default and Notice of Intent to Foreclose ''. The letter was found buried in the stack of papers which consisted of a Mortgage Assistance Application. 

The issue I have is, I never received the letter " Notice of Default and Notice of Intent to Foreclose : '' When Specialized Loan Servicing mentioned the fact in the CFPB Case No XXXX and XXXX. I fully understand that there is no limitation on fraud, based on the grievance and the noted fraud committed needs to be addressed by Specialized Loan Servicing LLC, why? because the fraud started with the Originator XXXX XXXX XXXX, which the fraud continued to the second, third and now fourth interloper, which is Specialized Loan Servicing LLC. Since Specialized Loan Servicing feel that they not nothing to do with the fraud, based on my overstanding, Specialized Loan Servicing inherited the fraud, by buying the Deed of Trust, which was separated from the Mortgage and sold on the stock market. 

In addition, since Specialized Loan Servicing believe they had nothing to do with my grievances, I want them to know that Clause 20 of the Deed of Trust require me to send a notice of grievance prior to judicial action, and to give the Note Holder a reasonable period after the giving of such notice to take corrective action. As you are the recent servicer and agent for the Note Holder, if the grievances are beyond Specialized Loan Servicing ability to correct, I would like for them to forward my request ( Grievance ) to the owner of the securities. 

The package received on XX/XX/XXXX, is entirely too large to scan and upload. if you want to see what was sent to me, with the " Notice of Default and Notice of Intent to Foreclose : '' dated XX/XX/2019, was hidden in the XX/XX/ 2019 package, which was place there, so I wouldn't have a chance to respond.