davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank failed it's due dilligence with a checking account I forgot I had. In a process what is called " escheating '' banks are required to turn over funds from the inactive account and close the account after 5 years. I'm enclosing proof that I had an old XXXX checking account from XX/XX/XXXX to XX/XX/XXXX. This is longer than the 5 year period detailed under Florida Statute 717.106. To make matters worse, Capital One kept this account active for over 5 years WITH ONLY A SINGLE CENT IN THE ACCOUNT. Yes, there was only XXXX cent in the account. When I realized this, I closed the account. Capital One failed to act, and as a result they are saying that I'm not entitled to a New Account XXXX XXXX  ( See CFPB complaint XXXX ) because I had this previous account that I was unaware of.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Currently on my Equifax account there is a XXXX XXXX XXXXXXXX account that is reporting on my credit report. The account number for that XXXX XXXX XXXX account is XXXXThis account is more than 7 years and yet it is still reporting on my credit report. I am therefore asking Equifax to please delete this account from my credit report as its old and obsolete.
Consumer complaint received 2021-04-11
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. (NC)

I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my report.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

Breach of Contract, Failure to preform and uphold the terms of my mortgage. 
When the mortgage was initially setup in XXXX with XXXX XXXX XXXX XXXX there was an agreed upon clause made between myself and XXXX XXXX XXXX XXXX XXXX Branch Manager/loan officer. 
This agreement stated that there were 3 different parcels involved and that there would be milestone steps taken and parcels released and deeded to me free and clear upon reaching these different steps. I have reached and surpassed the first milestone by several thousand dollars. 
Fay Servicing LLC has not complied with this agreement. And refuses to even acknowledge it exists. 
I have attempted to speak to someone or in fact anyone that had the ability to even acknowledge this existing document. I have asked numerous times to speak to Fay Legal Division only to be informed that customer service reps will handle it. I have ask to speak to anyone that is in a supervisory position to try and sort this out. 
I have spoken to untold number of customer service reps. Most are having trouble understanding what day it is. 
Finally in XX/XX/XXXX I spoke to XXXX XXXX customer service rep about this problem. He gave me his direct telephone number as well as his E-mail. 
A copy of the original agreement was forwarded to him by E-mail. I received a return E-mail from him that he had received it and would forward it to the proper people. And that he would have some type of response in three days. 
It is now XX/XX/XXXX and still no response. And again, many many calls to Fay and no one that can read or understand what the original agreement says. 
My patience has evaporated dealing with Fay and their nonsense. 
I have attached with this statement several items related to this problem : Original Agreement between myself and XXXX XXXX XXXX XXXX 2pages E-mail received from XXXX XXXX Fays customer service rep. 
Fays Loan Details showing Original Loan Amount XX/XX/XXXX Fays Mortgage Statement XX/XX/XXXX showing loan balance.
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX. As of today I have not received any response from XXXX  or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.
Consumer complaint received 2021-08-21
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: ALLY FINANCIAL INC. (WA)

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERASSIST AR. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERASSIST or the company they represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERASSIST AR that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A Capitol One credit card was opened frauduntley in my name on XX/XX/XXXX. I was made aware of the account on XX/XX/XXXX when I received a letter from Capitol One claiming that my payment in the amount of {$880.00} was returned by the financial intuition. I called to inquire what the letter was about because I did not have a Capitol One account at that time. I spoke to a representative XXXX, ID # XXXX who claimed to put a freeze on the account and transferred me to the fraud department so I could file a fraud claim where I spoke to XXXX, ID # XXXX. I was told at that time the card would not be approved for any further charges. I then filed a fraud alert with all 3 credit burea 's. Shortly after filing my claim I received a letter from Capital One that they balance and information in their records is correct. I then after filed another fraud claim against this account and thereafter with with every collection agency. Capitol one then proceeded to take me to court in XXXX, XXXX. I filed an answer with the court dening doing business with Capitol One and that the account was opened by someone else and that I have been attempting to make Capitol One aware of this to no avail. On XX/XX/XXXX Capital One Bank by and through its undersigned attorneys voluntarily dismissed the case but Capital One is still reporting the debt as a charge off with credit burea 's
Consumer complaint received 2021-04-11
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)

I have been requesting information on a car loan that was fraudulently put into my name by XXXX XXXX XXXX XXXX ( XXXX ). I have been requesting the following information for 5 years. XXXX ignores and purposely sends what they want. I requested information per the attached memo dated XX/XX/XXXX and I received the attached. It is not what I requested. Why? Does that look like what I requested? XXXX  XXXX XXXX XXXX is illiterate or playing games. 
A careful examination of the permissible permission and the credit report will reflect the fraud. THAT IS WHY I NEED IT! When I became aware of the forgery, fraud, etc etc, I immediately filed a sheriffs report on XXXX XXXX XXXX XXXX XXXX as reflected on the application. Which I have sent XXXX multiple times! The presidents office of XXXX XXXX XXXX XXXX informed me I need an affidavit PLUS sheriffs report reflecting XXXX with VIN number which I was not aware of in XXXX and did not know to do when I filed the sheriffs report. Therefore, I have sent convictions and police reports on XXXX XXXX XXXX XXXX XXXX reflecting forgery, false pretenses for many cars. XXXX XXXX is even listed on the application! AS FURTHER PROOF, my personal information was accessed WITHOUT MY PERMISSIONS one day prior to an INCOMPLETE application. The incomplete application should not have been processed at a minimum AS EVEN STATED AT TOP OF APPLICATION. 
PLEASE READ THE FOLLOWING REQUEST AGAIN CAREFULLY. Again, I request : Copy of dated Permissible Permission used to pull my credit report on XXXX Copy of Credit Report pulled on XXXX. 

XXXX  XXXX XXXX XXXX based their decision upon the credit report and I need the credit report pulled XXXX. In addition, I need the permissible permission used to access my credit.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Sir, I dont have right now Amazon Store card. 03 months before I closed card & destroyed which card last # XXXX, because I disputed & you resolved problems Afterthat I never used card because closed & destroyed. 
Now recently Amazon send a bill for {$270.00} which is not purchased anything by me & I called request to CS to send proof Doc for item they fail & could not solved problems. So Please kindly asked them send proof of item purchased, This credit card Co. gave hard time & insults ignore my response. 
Pls kindly settle this unauthorized charge & demands me to paid {$270.00}. 
I will never pay because never buy anything.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I was scammed by a person named XXXX XXXX in sending this amount of money XXXX $ through Moneygram in XXXX. The transfer was made on XX/XX/XXXX. I tried to cancel it but it didn't show the cancel option anymore and the company ( money gram ) have a clause saying that you can't get a refund back if the person already picked up the money. I did the payment online. In order for this person to pick up the money she would have to show her ID. The name of the city that she gave me is XXXX, zip code XXXX, phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes on time.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC. (NY)

I attempted to open account with the Robinhood trading application. After providing all the necessary information including my copies of my drivers license and my bank account information, I waited for my application to be approved. On Monday XX/XX/XXXX my application was rejected because they said I had a duplicate account. I then went back and forth with them on the XXXX, providing more information on my identity and then again providing additional copies of my drivers license and last 4 of my social security number. At this point they told me that I already have an account under an email address that is not mine. This means that someone else has already signed up for the service using my social security number and information ( Im assuming they validated my drivers license with this other account as well ).

At this point Robinhood completely stopped responding to me. I have replied several times to the original support ticket as well as opened 2 other support tickets, but they will not respond. My assumption is that someone else is using their application with my identity and that the company is now blocking me. I am unsure what my rights are or how this can be addressed? Do I need to hire an attorney? What if my money is taken from me by Robinhood ( who now has all my information and is not addressing my case of identity theft )? Please help me contact Robinhood so that they can address my concerns and stop the identity theft that had taken place.
Consumer complaint received 2021-04-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I was approved for a FHA streamline home refinance loan with XXXX XXXX XXXX at a much better rate of 2.5 %. My current FHA home loan is with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX  received and responded to a letter requesting the payoff amount for my current home loan ( see attachment ). 

On, XX/XX/XXXX I received a call from XXXX about the XXXX payment to which I informed customer service that I was approved for the FHA streamline and that the payoff for their loan ( i.e. closing date ) would occur by not later than XX/XX/XXXX. I was told that this would be noted to my account. 

On, XX/XX/XXXX I received another call from XXXX customer service about the XXXX payment. I informed the agent that we would were scheduled for closing on new home loan on XX/XX/XXXX. We did in fact sign all documents to close on the loan on XX/XX/XXXX. 

All closing documents were filed with the XXXX XXXX Clerks and a wire transfer for the full amount as given by XXXX for the loan payoff was sent on XX/XX/XXXX ( see attached document ). 

On XX/XX/XXXX I received a call from XXXX stating that I owed for the XXXX and now XXXX mortgage payment. I told them that the loan was refinanced and paid off on XX/XX/XXXX. The agent stated that the pay-off amount was incorrect and short by {$2100.00} which needed to be addressed. I told her that I would call XXXX XXXX  XXXX to find out if they are aware of this discrepancy. When I reached out to XXXX XXXX  XXXX they were totally unaware of this and was not informed by XXXX that anything had changed from the payoff amount that they gave them on XX/XX/XXXX. 

To date there have been many calls back and forth trying to get someone from XXXX payoff department to call back XXXX XXXX  XXXX to work this out. Messages have been left and none have been returned. 

I also just looked at my credit report and see that XXXX marked me as past due for 30 days!! This has had a negative impact on my credit score which now prompts me to solicit legal assistance to address this unwarranted damage to my credit score. 

We filed a complaint in the past about this company ( XX/XX/XXXX ) and the highly improper difficulties in communicating with customers and other businesses to resolve issues around how they have handled servicing our home loan. Now we find ourselves once again caught up between XXXX 's mismanagement of our loan via poor communication which has subsequently caused damage to my credit score. Please assist with helping us to resolve this issue and get XXXX on point to take the necessary measures to resolve the loan pay out discrepancy with XXXX XXXX XXXX and retract the 30 day past due status they reported to the credit agencies.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Debt was not owed, however company continued to call and harass me. They called family members and places of prior employment. This occurred over a 2 year period for an amount they state is XXXX USD. This company has continued to report the debt as a major derogatory account fraudulently to XXXX. 
This is effectively extortion at this point. The company is United Revenue Corp .
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (MA)

I was a victim of identity theft from XXXX-XXXX I found auto loans and credit cards and personal loans under my name I submitted a dispute along with a police report and was able to prove fraud.the collection was sold to another company cks prime investment Ive explained numerous times my situation and they have done nothing to resolve this
Consumer complaint received 2021-04-11
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. (PA)

Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.
Consumer complaint received 2021-04-11
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: Southwest Recovery Services, Inc. (TX)

Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, Southwest Recovery Services is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.