davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I HAVE SEVERAL EMAILS AND IVE SENT THESE DOCUMENTS TO EQUIFAX ON PREVIOUS AND RECENT DISPUTES ABOUT THIS MATTER ABOUT XXXX ACC # XXXX REPORTING ON MY CREDIT BUREAU I PUT THIS COMPLAINT IN AND NOW EQUIFAX IS ASKING ME FOR A SS CARD OR BIRTH CERTIFICATE IVE ALREADY PROVIDED MY SS CARD TO YOU GUYS 6 TIMES ALREADY AND THE ACCT # XXXX IS NOT MY ACCT AND IVE ASKED XXXX TO VALIDATE THE DEBT AND THEY CANT VALIDATE THE DEBT TO ME BECAUSE ITS NOT MY ACCT BUT IM BEING HELD ACCOUNTABLE FOR THE DEBT FOR ADEBT ON MY CREDIT REPORT THAT EVERYONE IS REFUSING TO REMOVE UNLESS I PROVIDE DOCUMENTATION AND IVE SPOKE WITH THE CREDITOR AND EQUIFAX SEVERAL TIMES ABOUT THIS MATTER AND NO ONE IS HELPING ME RESOLVE THE ISSUE BUT SPINNING ME AROUND IN CIRCLES. IVE ASKED SEVERAL TIMES FOR DEBT TO BE VALIDATED AND XXXX SAYS IT CANT VALIDATE THE DEBT OR SEND ME PAPERWORK BECAUSE ITS NOT MY ACCT SO WHY IS IT STILL ON MY CREDIT REPORT AND SHOWING XXXX HAS VERIFIED THAT THE DEBT IS MINE BUT WHEN I CALL ITS SOMETHING ELSE AND I FEEL ITS A VIOLATION OF MY RIGHTS AS A CONSUMER FOR ME BEING PENALIZED AS A CONSUMER FOR A DEBT THATS NOT MINE AND HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. SO I HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST XXXX AND EQUIFAX FOR VIOLATING MY RIGHTS AS A CONSUMER AND RETAIN A LAWYER IMMEDIATELY TO HANDLE THIS MATTER IN LOCAL OR FEDERAL COURT. WILL FILE LAWSUIT TODAY.
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (IL)

I have a checking account at US Bank. 
At about XXXX. on XXXX XXXX, 2016 at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX location ), I asked for a money order for {$120.00} at the bank drive thru. I received the money order. I received an official receipt showing the account 's balance at {$300.00}. 

On the same day at about XXXX., I went to the grocery store and purchased {$13.00} worth of groceries.I swiped my US Bank account card, a debit card, about 4 times and each time it showed the transaction was not completed. So, I said, let me go to the US Bank branch located next to the grocery store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX XXXX location ) to see What 's goining on with my account. 

I was told at the XXXX XXXX location I had a negative balance of {$170.00} or {$170.00} because I had written a check for {$480.00} on my account. I stated that I did not have checks or write checks unless I came into the bank and requested over the counter blank checks and that I had not requested over the counter blank checks for about 1 year. 

After some investigation and questioning of me, the bank teller and assistant manager at the XXXX XXXX location solved the problem. They discovered that the bank teller at the XXXX XXXX location had cashed the person 's check behind me in the bank drive thru line on my account. 

The error denied me access to funds in my account. The error caused me great mental distress, harm, and trouble. Suppose I had went to a restaurant and ordered and consumed food, and I then had given the waiter my debit card to pay for my meal? Which I have done before. Or suppose I had filled my vehicle with gas and then went in to pay for the gas? Which I rountinely do. Or suppose I had went to XXXX, XXXX miles away, and purchased gas at tlhe gas station XXXX miles from town? Which I have done. All of those things I have done before with confidence that the balance in my debit card was accessible immediately for use. 

The error immediately caused me extreme mental distress not only for the denial of immediate funds with which to purchase food but for funds needed for future use to make medical appointments which I had the following day. Initially was told I would have to wait until the following day with would have destroyed my ability to make my medical appointments. But after further investigation by the manager and bank teller and a call to the XXXX XXXX location, the error was corrected on the spot and I returned to the grocery stor and completed my purchases. I was also able to purchase vehicle gas. 

I mailed a letter addressed to : US Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX, 2016. I asked for an explanation of how such an error could occur. Now I ask for any compensation owed to me as a result of the error and the harm and XXXX caused Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Recovery Corporation (TN)

I am writing about an item being improperly reported on my credit report. The first company is XXXX XXXX XXXX collecting for XXXX.This information is inaccurate because I 've NEVER EVER been to XXXX XXXX XXXX and you MUST be referred by a physician to get imaging. I go to the VA and they 've only sent me to another VA or XXXX. I told the credit reporting agency this fact and after they saw that I go to the VA another item appeared on my credit report from Revenue Recovery Corporation for XXXX XXXX XXXX XXXX. I could have actually gone to an XXXX XXXX but it would have been prior to the dates being reported and hence not eligible to be on my credit report anymore AND IT WAS N'T until I pointed out the falsehoods of the XXXX XXXX XXXX. THE XXXX WOULD NOT SEND ME TO XXXX XXXX XXXX because XXXX do XXXX IN THE HOSPITAL! I was a XXXX AND a XXXX prior to getting my XXXX so I know XXXX. It is my honest assertion that XXXX XXXX XXXX attempted to disguise some expired earlier debt that was removed from my credit report based on FCRA LAW. After I pointed out that fact, the Revenue Recovery Corporation looks to have attempted to " re-age '' an old debt to help substantiate XXXX claim. It does n't ; it shows some type of collusion because if Revenue Recovery Corporation was due to be on my credit report until XXXX it would have been on my credit report in XXXX when I first checked it and IT WAS NOT THERE. In addition if I was delinquent in XXXX then it would have been due to be removed ANYWAY, however, I HAVE NEVER GONE TO XXXX which makes the XXXX claim a straight lie. If I went to the XXXX as is claimed by Revenue Recovery Corporation it would have been off of my credit report due to time and it was off. 
It appears that Revenue Recovery Corporation would have had to provide some type of information which allowed XXXX XXXX XXXX to add information to my credit report to a place that I 'd never been. The Revenue Recovery Corporation then took dates from the XXXX XXXX XXXX information in an attempt to " re-age '' a debt that had obviously been removed from my credit report based on FCRA Law.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called Transunion, XXXX and XXXX several times to update my personal information. The representative refused to move address and names from my report that does not match my identification. I explained to them I did not live at the addressed listed on my report nor do I go by any of the other names reporting. I only wanted the name and address I gave them which is my legal name and address. I received an updated report only to find those names and addresses still listed.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

There are numerous charge back and return fees on my credit card. I had let a friend use my amazon account but she paid with her credit card and now bc of differences between use she went to her bank and got a charge back on mutable purchases. And a check she wrote out to me in my bank account my credit and bank accounts are all messed up because of me trusting someone to much.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thunderbird Collection Specialists, Inc. (AZ)

I am writing this on behalf of my wife of 55 years XXXX XXXX. 
Sometime in XX/XX/XXXX my wife saw some woman, XXXX XXXX XXXX, in XXXX, AZ who claims to be a physician. 
My wife has problems with hearing so I always go with her. We clearly and repeatedly stated that that we were there for the annual " wellness '' check-up which XXXX pays in full. 
We also asked for XXXX injections. The woman said XXXX did not pay for that, we had to pay ourselves. We know today that this is a lie, XXXX pays for that. My wife had XXXX, I was asked and paid {$25.00} for each. We have the receipts. The woman was also paid in full by XXXX. 

Fifteen months later, in XX/XX/XXXX, we received a letter from a " XXXX '' in XXXX, AZ demanding {$88.00} for XXXX XXXX XXXX and {$75.00} for himself. I went to that woman 's place and disputed that. She said I only needed pay {$88.00} to her. I left. Many months later, we received a letter from that woman claiming that my wife owed her {$160.00}. We ignored it. I reported the woman to the FTC and her partner in crime also to the FBI and FTC. I addition, I reported the woman to the Inspector General 's Office in the Federal Dept. of Health & Human Services. 

Five days ago, we had a look at our credit report. It says there that the " XXXX XXXX XXXX '' has posted in my wife 's credit report that she owned him {$160.00} and that she had paid. My wife has never owed money to that woman nor to that " XXXX XXXX XXXX '' and never ever paid any money to them. They can not prove that unless they have forged my wife signature in which case they will go to jail. That woman, XXXX XXXX XXXX, may have my wife 's signature, from XX/XX/XXXX. 
Please note, they posted that in my wife 's credit report sometime since XX/XX/XXXX as, we have a credit report from this Month which does not contain their entry. 
In the above context please allow me the question : is everyone allowed to go to XXXX and/or the other criminals and claim that someone else owes him money, without presenting any evidence? and even anonymously? 
We appreciate your help us we are both retirees and can not afford to pay a lawyer. 
Depending on their response to you, we are considering spending our last penny and get them to jail. After losing any professional license they may have. We will make the story public anyway. 
We able and willing to repeat the above in a court of law, under oath.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XXXX,,, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX , ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}
Consumer complaint received 2021-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

I believe that I should be included in Case XXXX. XXXX XXXX didn't explain any private loan was being requested on my behalf. I was rushed and they used high pressure tactics to get me enrolled. 
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising me that although I satisfied all admission requirements for the XXXX program that I had not been selected based on their ranking system based on their admission exam scores and due to more applicants applying that they had spots for. On XX/XX/XXXX I got an email from XXXX XXXX the XXXX program chair to call her because I was next in line to be admitted to the XXXX program. During my meeting with the admission staff, I was rushed through the process of applying for federal student loans, never given the answer as to the the total cost of the program ( even though I asked for the total program costs ), and I was pressured to sign the paperwork if I wanted to get in now because they could offer the spot to someone else. Classes started XX/XX/XXXX. I never received any enrollment packet that outline what's required to graduate. I was not given or ever shown the XXXX XXXX note until after classes had started. I did not electronically sign anything & only ever signed financial loan papers once when I went in to sign up for school. I attended XXXX XXXX with the understanding that all of my loans were federal only to find out later that a high interest private loan had been attached to my package without my knowledge. I was also required to pay {$1800.00} cash out of pocket because I refused to take out another loan. I was told that if I didn't take the loan or defaulted on my scheduled payment I would be expelled for non-payment. I struggled but came up with the money to pay. I paid {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. I was not advised of any grants or scholarships that were available to me. I asked about more state aid and was told that I didn't qualify for more state aid which wasn't true. At that time there was an XXXX XXXX XXXX scholarship available, which was one of many opportunities that I found out about after the fact. No one ever told me I was taking out a private loan. I was lead to believe all my loans were federal loans. I never received any paperwork until after signing documents to attend school. My servicer, Navient, has not applied the judgement relief per the case # above pursuant to the Indianas Deceptive Consumer Sales Act, I.C. 24-5-0.5 et seq.- " Incurable deceptive act '' means a deceptive act done by a supplier as part of a scheme, artifice, or device with intent to defraud or mislead. And has been continuing to collect on this loan from me.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (FL)

Took out a loan in XXXX of XXXX and I paid off my loan on XXXX XXXX XXXX the company Avant is saying that I still owe them {$380.00} for a missed payment in XXXX I was given a pay off amount in writing and over the phone that they are not honoring I was told to pay XXXX on XXXX XXXX so my pay off would not be short XXXX I paid that amount plus XXXX and final XXXX on XXXX XXXX this is unfair I also paid XXXX on XXXX XXXX XXXX the attachment pay off letter was the amount if I paid on XXXX XXXX I paid 6 days early so my pay off was XXXX which I paid online via ach and I called that day
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (PA)

XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.