davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the XXXX XXXX XXXX XXXX XXXX XXXX  Year XXXX ( XXXX XXXX  ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.XXXX  Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (FL)

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTI or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # XXXX
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (GA)

The company put the adverse information on my credit report. before contacting me. I call them to inform them of the issue. The supervisor refused to send me any information and said that the information on my report will stay until sprint contact them. I told them I am only dealing with sprint due to my dispute of the debt was with them and they would have known if they would have properly contacted me. They said they contacted me by phone but were not allowed to leave messages, in which that was the only way I woukd have known they called.
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ray Klein, Inc. (FL)

PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROF CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (TX)

I reviewed my credit report and was disturbed to find multiple inquiries from your company that I never agreed to. These are now damaging my credit score, and this entire ordeal has caused me immense stress.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.
Consumer complaint received 2024-11-22
Product: Credit reporting 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) .I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Consumer complaint received 2024-11-22
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (OK)

I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I had an XXXX Costco membership credit card. Recently XXXX XXXX partnership with Costco has ended and XXXX XXXX Costco Co-Brand Card was transferred to Citibank. 

I have an balance on my account when it was transferred from XXXX XXXX to Citibank. I want to make the payment once i check and confirm the charges that are induced on my account. Last 2 months and 18 days I have not received the replacement card of Citibank and neither any statement that shows the pending amount on my account. 

1 ) The existing XXXX Costco membership credit card is no longer valid and I am not able to login to my account. Any communication to XXXX is routed to Citi bank. 
2 ) Since I do not have the replaced Citibank card, I cant login to account to Citibank to see what charges are induced on my account. 
3 ) Last more than 2 months Citi bank has done more than dozen calls all time in the day including holidays and vacations to make a payment without providing me the detailed statement and the replacement card. 
4 ) XX/XX/XXXX I had more than 10 calls with citibank where they updated my address keeping me on call for more than a Hour at time and ensured that they will fix the issue and send me the card and statement which I have not received till date as of XX/XX/2016. 
5 ) unfortunately my day starts with a discussion with Citibank card customer care who without knowing the fact that I do not have the card with me asks me to make a payment. 
6 ) It came to my knowledge that Citi bank has send my card to old address and now without sending me the card at new address they ask for making a payment. 
7 ) Almost 2-3 times in a week Citibank customer care division calls me in morning / noon and during office and work time to make payment but do not understand that i neither have a replacement card provided by Citibank nor the statement available with me to check the charges induced my account. 
8 ) This is mental harassment of a customer without having correct information available. 
9 ) There has been calls from XXXX and other citibank number almost each day which ruin my critical work time and effort without providing me the replacement card and statement. 
10 Due to this unprofessional behavior from Citibank I am not able to see or confirm that what charges on account and neither I am able to pay it online. 
11 ) each time a new customer care executive calls me and I have to tell the same stro from a to z and still the citibank do not act on the root cause. 
12 ) In absence of new card which Citibank is suppose to send, I am not able to make my purchase at Costco wholesale from last more than 2 months. 
13 ) It is a mental torture that every second day or other some one call right in start of day to ask me the same thing that I have explained to Citibank customer care executives for more than dozen times in last month. 

Please please assist me so that my credit scope and other aligned things are not impacted. Also please suggest for any other steps I can do. 

thanks
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX sent me a letter stating sorry that they are unable to approve my application at this time. Which was supposedly filled out on XXXX XXXX, 2016, which was incorrect I did not apply for or authorize XXXX XXXX to do any inquiries. I did a fraud case with Equifax Credit Agency on XXXX/XXXX/16 they responded stating the information is factual which is incorrect. I called Equifax on XXXX/XXXX/16 and informed them that their response is incorrect that 's fraud I did not apply for ant credit card, XXXX then informed me that needed to call XXXX XXXX. I called them also on XXXX/XXXX/16 at the number given by Equifax called several times hit several extensions no answer even gave another number still no answer. I would like for the fraudulent inquiry to be looked into further and removed off my credit report if possible which was considered a hard pull on my report which has affected my credit score decreasing it. 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (GA)

On XX/XX/XXXX my son bought a car from Honda, which I co-signed. His first payment was n't due till XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX his payments were on time. As of XX/XX/XXXX he started missing payments, NSF & late fees started being assessed. I did not find out about the NSF 's until XX/XX/XXXX. My son was feverishly trying to catch up. I took over the account in XX/XX/XXXX after having brought the account current with only {$100.00} late fee due as of XX/XX/XXXX ( per my calculations ). Per my calculations, the payment of {$500.00} made XX/XX/XXXX was an overpayment. Even if they would had taken the {$100.00} out of this payment I still would have had an overpayment of {$390.00}. Everytime I call Honda Customer Service the reps summarily state " there were NSF 's and late fees. '' No one seems to be able to go over the transaction history line by line to discover the error. I 'm a month ahead at this point. I need a competent person with accounting background to go over my transaction history line by line ( simple adding & subtracting ). 
Thanks