davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices Howard Lee Schiff, P.C. (MA)

I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX
Consumer complaint received 2015-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Sykes,Bourdon,Ahern & Levy, P.C. (VA)

I filed for Chapter XXXX bankruptcy XX/XX/XXXX with XXXX XXXX Attorney : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Virginia XXXX, VA XXXX, XXXX : XXXX ). XXXX my creditors, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ), was included in my bankruptcy. XXXX XXXX Apartment 's representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX ) was notified of the bankruptcy filing as well. The Meeting of Creditors was held XX/XX/XXXX XXXX at the Office of the U.S. Trustee ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ). No creditors turned up to the meeting or filed to object to the discharge XX/XX/XXXX so the discharge was granted XX/XX/XXXX. 

XX/XX/XXXX, I noticed that the direct deposit that I received from my employer, XXXX ( also listed under XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX ) was short. When I went to work that same morning, I check my paystub online and saw that I was being garnished. The garnishment was listed under XXXX XXXX XXXX XXXX. I went to the court website XXXX and found that XXXX Apartments, represented by Sykes, Bourdon, Ahern & Levy P.C XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX Virginia XXXX, VA XXXX Phone : XXXX Fax : XXXX ), was granted permission to garnish me. In fact, the website shows that they filed for this on several dates including XX/XX/XXXX ( after the filing date ) and XX/XX/XXXX ( after the date of discharge ). I immediately sent copies of my bankruptcy discharge paperwork to both XXXX and XXXX XXXX XXXX so that the garnishment could be removed. This would be the second time that XXXX parties would be notified by me of the bankruptcy filing. I was not notified by any of these participating parties ( the creditor, the creditor 's representatives, my employer and the payroll company ) that I would be garnished. I am still waiting to receive a copy of the order. 

This unwarranted, undisclosed and illegal action has caused some financial issues to occur. My prescheduled car payment with XXXX XXXX Bank returned. This caused my bank, XXXX, to assess a return check fee in the amount of {$29.00}. XXXX XXXX Bank assessed a late fee in the amount of {$30.00} to my account. In addition to this scheduled payment, I still anticipated the availability of funds for other expenses. This action was completely unfair.
Consumer complaint received 2015-09-10
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (FL)

I had a T-Mobile Prepaid Debit Card and was using it fine for almost a year. They summarily closed it about six weeks ago ( XXXX XXXX ) and accused me of not using it properly? I was very upset. I have a great deal of money in it and even though I submitted all the documents they requested for a refund, I still have yet to receive it, let alone any response from them. I 'm very worried and concerned about my money. Which, it should be noted, is diminishing since they are charging a " monthly maintenance fee '' despite the fact that it 's a closed account!?!
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of 2015 I discovered that I had been and continue to be a victim of identity theft. I then reached out to each reporting agency ; TransunionXXXX to get a copy of my most recent/updated credit report so as to find and then dispute any information that would be deemed either inaccurate or of a fraudulent nature. I have called and spoke with over XXXX represenatives ' within Transunion 's Fraud department through the past months including XXXX supervisors in disputing multiple accounts on my report. Through out this process, I have also tried to dispute over XXXX fraudulent inquiries to which Transunion adamantly refuses to dispute with these companies on my behalf. They claim that Transunion views an " Inquiry '' as statement of fact and therefore refuses under any and all circumstances to remove said inquiries. I have had multiple fraud alerts and even an extended fraud alert currently on this report in addition to it being " Frozen '' for the past couple of months. There is no question and even Transunion has deemed this " indisputable evidence '' of identity theft yet they still refuse to help. Also, I currently have ( XXXX ) medical collections to which I have disputed numerous times and even now Transunion will not allow me to further attempt any more disputed with these companies under any parameters.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

Equifax has a XXXX credit card showing it is OPEN with a XXXX balance. 
They have been sent copies of the XXXX. This should show the credit card as CLOSED with a XXXX balance. Letter from XXXX was also sent reflecting that this is true information. 
My credit score has dropped without explanation with them for no apparent reason.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history.
Consumer complaint received 2015-04-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!
Consumer complaint received 2015-09-11
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (IL)

Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Automated Collection Services, Inc. (TN)

Have been patient with this medical facility since XXXX. A change in doctors was done on XX/XX/XXXX due to unprofessional conduct from the previous physician. Trouble began with XXXX XXXX, with over billing, miscommunication, nurses giving out bad information and overruling my decisions on products and services. During my XXXX he allowed XXXX the procedures already discussed with me. She wanted to XXXX when the arrangements were for XXXX services only. My XXXX visit his office billed my insurance 3 times. From then on, after XXXX, they were Balance Billing me. Their fees did not match my insurance company Explanation of Benefits. This was very confusing and would have cost me much more than what I owed. On XX/XX/XXXX they billed me {$2300.00} for the XXXX performed XX/XX/XXXX. A final notice was received XX/XX/XXXX. During the whole process I got harassing calls XXXX harassing calls during XX/XX/XXXX. Since XX/XX/XXXX I have paid them {$3400.00}. Of the {$2300.00} only {$1700.00} remains. A check for {$300.00} was mailed XX/XX/XXXX. On XX/XX/XXXX CSR XXXX pressured me by saying I needed to pay the {$2300.00} within 120 days for it would go to collections. I advised him I agree to pay what I owe but I was neither informed of this procedure and in no way understand why I 'm being pressured even-though XXXX XXXX XXXX has been receiving constant payments from me. They followed through on their threat. A letter from Automated Collection Services XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX, Ca XXXX was received XX/XX/XXXX. I informed XXXX that I thought collections procedures were designed for people who failed to pay for services rendered and expressed my dissatisfaction with their Robo calls and other tactics used in dealing with me. XXXX should be made to inform consumers of their 120 day payment in full billing guidelines. Either way, I would not have agreed to this and it seems unlawful.
Consumer complaint received 2015-04-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday?
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a loan modification through the HAMP program and it became permanent in XXXX 2015 and was filed with the XXXX XXXX XXXX County Property Deed Office XXXX 2015. I also had to file a chapter XXXX bankruptcy which was converted into a chapter XXXX in XXXX 2015. I requested to have the Debt reaffirm with Bank of America as the payments were being made. I have contacted them on several occasion in which I am constantly being told to call back and the numbers do not correspond with the FHA loan modification and therefore putting off being able to reaffirm the loan with the correct amounts as well as prolonging a discharge in my bankruptcy case. I spoke to several representatives in the BK department and finally today I spoke with a supervisor who is reviewing the papers and does n't understand it. The people that do the reaffirmation are not able to talk to me and I am XXXX. Also they are not updating the credit bureaus and reporting that I have a current loan status.
Consumer complaint received 2015-10-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc. (IL)

I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your