davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

-Received Promotional Offer from Citizens Bank . ( See Attached ) -Opened Account on XX/XX/2019 -Direct Deposit of {$500.00} bi-monthly commenced on XX/XX/2019 -Made Required 5 Debit Card Transactions -As of XX/XX/2019 no {$300.00} Deposit had been received. 
XXXX-Visited Citizens Bank on XXXX XXXX in XXXX XXXX Connecticut . CSR contacted Citizens to check on deposit and was informed it would not be made until XX/XX/2019. I filed a complaint with the bank manager as that is not what the back of the mailer stated. It specifically said the {$300.00} deposit would be made 60 days after account was opened which would have been around XX/XX/XXXX. Who can I contact to get assistance with be payed the {$300.00}?
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

After being approved for a loan mod in 2016 and making several trial payments ( which are currently being held by the mortgage co. ), my docs were not signed due to my being unable to verify outstanding loan amounts and charges with back-up documentation provided by the service provider. After finally receiving requested pay-off information and corrections to my credit reporting by the agency, I again completed a new loan modification per instruction by Shellpoint Mtg Servicing. My application was denied ( after previously being approved ) with no formal reason provided or opportunity to address any disqualifying factors. The sale date is fast approaching and as of today, I do not have a written explanation to provide to legal council or tax advisor, which is an unfair practice leaving me at a terrible disadvantage in efforts to resolve the matter and keep my home.
Consumer complaint received 2020-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/XXXX I received an updated payment count towards my Public service loan forgiveness in the amount of XXXX payments one month later I received an updated list and the servicer removed over 30 of my qualifying payments for no reason. I contacted them and they assured me they would review my account and my payments and yesterday I received an email with an update a payment count. They stole one years worth of payments from me. No one will answer why these payments all the sudden don't qualify my employment has never changed in 12 years and I'm always current on payments and submit my recertification yearly. The servicer is abusing people and their accounts you can't give me any excuse or reason as to why you stole a Year 's worth of my forgiveness from me
Consumer complaint received 2020-10-07
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. (FL)

I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX  more recently, and I'm sure Transunion will be just as useless as XXXX  and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (CA)

XXXX XXXX showing bill owing of {$71.00} This all started when we RETURNED our Equipment in XXXX, Calif. to the XXXX XXXX.
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee.
Consumer complaint received 2020-04-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Oct 30, 2019 and the subsequent response received on Apr 18, 2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2022-10-02
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. (MD)

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 2022-01-05
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ID)

We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CT)

I was 2 months behind on my car payment due to a shutdown of my. Job related to Coronavirus. 
When I received my Stimulus Check, it was used to pay my missed car payments. 
I have emailed Santander Bank numerous times asking for a lower interest rate and lower payment amount, Well Santander reported me to Credit Bureau and stated I was 30 to 60 days late. 
I have paid my car on time of {$330.00} per month for 3 years and the remaining balance I owe now of {$4000.00} is interest payments.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MO)

I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.
Consumer complaint received 2022-01-05
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. (CA)

I have sent Transunion disputes regarding the XXXX XXXX account not reporting accurately across all three credit bureaus, specifying that I would like this account to be removed for all of the inaccuracies and they have not done anything but update this account.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

Received last statement on XXXX stating that the balance on my mortgage= {$270000.00} When closing on XX/XX/15, total = {$290000.00}, so asked for accounting of why Bayview/XXXX  took an extra {$16000.00} from our payoff. 
Asked for accounting and audit of where these funds are and why the discrepancy?
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are XXXX variations of the spelling of my name which is XXXX ( correct spelling ) there are also XXXX addresses listed in the state of Michigan in XXXX different towns, XXXX in XXXX and XXXX in XXXX that I have never lived in. I am not sure if this is a form of fraud or identity theft, but I would like to do something to get this corrected.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

On XXXX statement, charged XXXX  and the next day attempted a bank transfer for XXXX. Due to a delay from the bank, it didnt go through. The very next day I transferred the XXXX and they charged me a fee. There was no email or notification of the fee. My monthly autopay was more than enough to pay minimum and the XXXX but they did NOT apply it. I was then hit with late fee and my rate tripled. American Express specifically hid this fee to cause a late payment so they could justify the rate increase.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I deposited a check into my Capital One 360 account. I called to ask if a portion of the funds could be released due to an emergency. They said no. I spoke with someone in Escalations and she said that she was the highest manager. So, now I am filing a complaint. I think it is ridiculous that they refuse to call the number on the check to verify the check so that they could release a portion of the funds. I feel that it is ridiculous that they will not release anything and that is n't right at all to me.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-04-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (MA)

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. XXXX XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact XXXX XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2022-10-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$440.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX and XXXX submitted a credit report adjustment to XXXX, XXXX and Equifax in order for them to remove the negative report. XXXX and XXXX did just that. However, Equifax did not.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.TOOK OVER 30 DAYS ON MULTIPLE COMPLAINTS