davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is ripping customers off with their so called " promotions ''. They give you a lower interest rate for XXXX or 7 months and if you do not call them they automatically give you the highest rate without advising you and you can go on for months without knowing and paying the highest rate. I know our senior citizens ae serious victims of this.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Consumer complaint received 2015-10-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (CA)

This is now my second complaint with the CFPB and I am shocked that no one cares to try to fix my problem. I thought the CFPB had some power to protect the consumer. I am very disappointed in this process. 

I am have in contact with J.G. WENTWORTH home leading since XX/XX/2018 and have been ignored, disrespected and made to feel worthless. 

J.G. WENTWORTH screwed up at closing and I am now forced to pay an additional XXXX a year and they said it was bc of taxes. That's a lie. Taxes are not allowed to go up that much in a year California law article XIIIA of the state constituon commonly referred to as prop 13. 

They are not helpful and condescending. I am tired of calling 100 times  and not getting anywhere. 

I have now found another person who J.G. WENTWORTH also XXXX   up with and forced them to change an already signed CD bc they left off PMI and threatened not to fund. 

These people are scum bags. I have contacted by 3 different dispute resolution employees, 3 managers and VP of the entire department to have almost zero movement. The VP was condescending and flat out lied to me on recording and in writing. 

I WANT RESOLUTION, NOW!! I AM TIRED OF THIS XXXX!!
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have atempts on different ocasions to get a mortgage loan modification from SLS, LLC. I submitted a loan modification through XXXX XX/XX/XXXX and I received no response from SLS, LLC. Once again I attempted to file another loan modification on my own, I sent all the documents that SLS, LLC requested and I did not get a response. XX/XX/XXXX I filed another loan modification through XXXX with no response from SLS, LLC. I received letters from SLS, LLC stating that I was assigned a representative but every time I would call SLS, LLC I would get a different person that offered very little assistance if any at all. 
Since I was not able to get a loan modification SLS, LLC started to foreclose on my home. I had to hire an attorney and file chapter XXXX bankruptcy. I now pay {$2000.00} for my mortgage and another {$1200.00} to a trustee for 60 months. I have been paying this since XX/XX/XXXX and these payments have put a financial strain on me.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

On XX/XX/2015, I recieved a collection notice of {$640.00} from XXXX in which I never had a account with. I contacted XXXX and found out that I didnt have a account under my name. I didnt know I had this account until I checked my credit recently.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (GA)

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 XXXX reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Oregon Credit Service, Inc. (OR)

I took my daughter to the emergency room and gave them proof of insurance. the insurance company entered her birth date wrong and sent me a bill instead of covering the cost from the hospital. The insurance company kept telling me she was not in their system. The hospital sent me to collections. 
Since than I found out about her birth date being wrong and I just received a letter saying she was covered for that whole year and they corrected her birth date. I called the collection agency and explained all this and asked if I send them the letter would they remove this collection from my credit report and they said no.
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (MS)

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX  which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. 

Acct # XXXX
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I submitted an application for a XXXX XXXX through Synchrony Bank on XX/XX/2018, application reference number : XXXX. I was instructed by Synchrony Bank to wait XXXX business days for a letter in the mail with the results of their decision, it is now XX/XX/2018 I have not received such letter. I have made 3 additional attempts dating XX/XX/2018, XX/XX/2018, and on XX/XX/2018 requesting for this letter to be re-sent with no success. According to the FTC, a consumer must receive an " adverse action '' notice in writing explaining why the credit application was denied based on consumer report. I strongly believe that Synchrony Bank is in NON-COMPLIANCE with FCRA Rules and have failed to provide an adverse action letter.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Sent a letter to Transunion on the XXXX of XXXX they received it on the XX/XX/XXXX XXXX, Transunion is not responding to me in a timely manner to fix this error on my account. 

There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing on my consumer report without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again, Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway I was never late on this account.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

There is a collection on my credit profile from Hunter Warfield that was deemed not my debt. I have had this derogatory mark removed by 2 of 3 credit bureaus and demand this gets removed from XXXX as well.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services (FL)

A third party debt collector, Integrated Services at phone number XXXX, has been attempting to collect a debt from an employee. They have repeatedly called the place of business even after the employee has requested they not call them at work. They are now leaving messages on the general voicemail for the company, as well as leaving messages with me ( HR ). I ( HR ) has asked them to not contact the employee at work, but refuse to listen. They are now threatening HR with arrest if I do not give the employee the messages.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago.
Consumer complaint received 2018-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I wrote XXXX  and XXXX on XX/XX/2018 to dispute an inquiry on my personal credit report from Capital One on XX/XX/2018, nothing of any merit was ever sent to me except a letter stating to contact Capital One about my issue of inaccurate and misleading information on my credit report that is affecting my ability to obtain credit. 

I wrote Capital One on XX/XX/2018 and received a generic response explaining the types of inquiries. I wrote Capital One a second time on XX/XX/2018 and received back an identical response that did not satisfy the request for actual documentation of a credit application as required under CFR 1002.12 and 15 USC section 94 as it applies to the FCRA. 

The inquiry from Capital One whom does not have any proof of Permissible Purpose and has not provided any reasonable documentation to XXXX   or XXXX  should be deleted immediately because it is inaccurate and misleading.
Consumer complaint received 2015-11-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted disputes to XXXX, XXXX and Transunion about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.