davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
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: ZIONS BANCORPORATION (TX)

We have a mortgage with Zions Bank through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by Zions Bank regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that Zions Bank will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as Zions Bank was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per Zions Bank the check was later found in a lock box that Zions Bank failed to check their own mail for 30 days. We feel Zions Bank has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from Zions and will share with your company. Despite our efforts to abide and pay our mortgage, Zions Bank has reported me with a 60 day delinquency on my credit report. I have sent a request for Zions Bank to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that Zions Bank has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by Zions Bank that were were being reported to a credit agency.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX File # XXXX Plaintiff : Capital One, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXXXXXX & XXXX The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX! This is with regards to information obtained from the Plaintiff, Capital One. See included letter from Capital One stating that on XX/XX/XXXX Capital One was issuing a Cease and Desist and stopping all collection efforts and closing the account with XXXX XXXX XXXX XXXX which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then XXXX XXXX XXXX XXXX has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if XXXX XXXX XXXX XXXX had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to XXXX XXXX XXXX XXXX by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that XXXX XXXX XXXX XXXX be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I filed a compliant against First Federal Credit Control on XX/XX/XXXX and XX/XX/XXXX advising the following : Providing a bill/ statement is NOT a form of VALIDATION it is a form of VERIFICATION which is NOT what I requested. Verification means establishing truth and accuracy. Validation means to provided the legal proof of this truth and accuracy. Proof of validation includes leases, promissory notes, contracts with an original signature. I requested full documentation of the validity of the alleged debt with a contract bearing my signature. Which the collection agency still has not provided. Although the validation notice was sent on XX/XX/XXXX to the right address, however, the notice arrived in my mothers name, which technically I did not receive and also which is a VIOLATION OF HIPAA. The bill provided by the collection agency on XX/XX/XXXX also listed my mothers name as a patient and under the insurance information which is a VIOLATION OF HIPAA. The information presented by collection agency is inaccurate. I am not on my mothers insurance and my mother doesn't have medical insurance currently. The documentation provided violates my rights as a patient. The collection agency stated that their records are correct and accurate which is FALSE. My mother should not be listed on this account at all for any reason. My mother should also not be included in the bill/statement provided. ALL DOCUMENTATION PROVIDED IS INVALID AND INACCURATE. It is the responsibility of the collection agency to make sure that the information provided by the original creditor was indeed accurate and correct which includes the insurance information to which they have failed.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2018 I received notice that Experian verified a Chapter XXXX bankruptcy that is currently displayed on my credit report. I have never filed bankruptcy nor have I ever been associated with the address linked to the Ch. XXXX bankruptcy which is also displayed on my credit report. When asked for method of verification via phone, I was referred back to the creditor listed in the entry. I contacted the Bankruptcy Court via phone and was informed that they do not provide anyone with the debtors full social security number and they do not provide any credit bureau any information relating to any bankruptcy cases.
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

paypal is charging my paypal credit instead of the preferred payment settings, which is my checking account, they started doing this once I got the credit card and the preferrerd payment is set to checking account, they stated so internal security would let it go through my checking account so they choose to use the credit card, started back in XXXX of this year, my checking account has been confirmed and used before I got their credit card, they doing this to make me pay interest on the card
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC (CA)

I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX   out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been using Capital One 360 bank for a few years now and everything has been great. A little over 2 weeks ago my 3rd party accounting apps started to be blocked by Capital One 360. I have been working with both sides ( Capital One ) and the 3rd party accounting applications to try to pinpoint the issue. Capital One confirmed that they have issues on their end and have a team dedicated to the issue but I only get this information from them at certain times. The rest of the time they either say there is no issue or that they're not allowing some 3rd party apps to access their data for security reasons. When I present this information to the 3rd parties they claim that Capital One may be trying to intentionally block some 3rd party apps to drive traffic to preferred vendors. If this is the case, which I can not confirm myself without some help from an enforcement agency, then they are breaking rules. I have the right to access my data through whichever vendor I choose, not just the big ones.

The two cloud accounting applications that have been affected on my end are XXXX XXXX and XXXX. XXXX partners with a data provider known as XXXX and XXXX uses one called XXXX.
Consumer complaint received 2018-06-19
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: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, Equifax or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Consumer complaint received 2018-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (VA)

XXXX XXXX and XXXX customer service person at Pacific Union Financial said they over paid our annual homeowners insurance premium because they made a typographical error. As a result, this created a huge escrow shortage in our account. Due to their error, they raised our mortgage payment. Pacific Union paid our annual homeowners insurance premium in the amount of {$2200.00} instead of {$290.00} and as of XX/XX/XXXX our house note went from {$700.00} to {$1100.00} a month. They were previously taking out {$150.00} a month for taxes and insurance out of our escrow account up until XX/XX/XXXX. As of XX/XX/XXXX, they now take out {$550.00} a month out of our escrow account. 
In XX/XX/XXXX, we got a check from XXXX XXXX for {$2000.00} for overpayment. There was no accompanying letter so we thought we over paid something. We have since made a {$2000.00} payment back to Pacific Union but our account still has not been corrected. We were told they would have to do an escrow analysis first before they could fix our account and lower our house note. Then XXXX said they would have to wait for taxes to be paid before they could do an escrow analysis. We called so many times and talked to so many people and were always told to call back in a few days, a few weeks etc., but our account still has not been corrected even though taxes have been paid. We have asked to speak to a supervisor and get put on hold and no one ever picks up. We have asked for supervisor or management names and info as to where to complain about this but were told they didn't have that information! This is horrible and a total nightmare. We have also been given conflicting information by some of the customer service people who said our house payment went up because Pacific Union mistakenly bought unnecessary flood insurance ( we already have flood insurance through XXXX XXXX XXXX XXXX ). We were even told we were going to get a refund however, XXXX XXXX and XXXX said that was not true and our account was never charged for that. 

I am XXXX years old and a XXXX XXXX veteran. My wife is XXXX. We live on Social Security and trying to come up with {$1100.00} a month is a huge struggle for us especially when they are the one who caused this problem. We have never missed a payment or made a late payment but we don't know how long we can keep up having to pay {$1100.00} instead of {$700.00}. Our other bills have to be paid, too. We need our account corrected and our payment lowered and no one at Pacific Union has done anything to fix this. We need immediate assistance as our money is dwindling and we don't want to lose our home because of a typographical error. PLEASE HELP US!
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have paid off the bank of america loan for the car payment for XXXX XXXX XXXX  I overpaid by {$5000.00}. Can you please ask the bank to send back my {$5000.00} overpayment> thanks XXXX XXXX and please have it showing paid in full XXXX balance.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (FL)

I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries. 

They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen. 

I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened. 

I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX   that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me. 

I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account. 
2. Their written response to my dispute.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Conville & Blitt LLC (LA)

I didn't see an option for the issue I'm having so I am describing the issue in this statement. I was notified by collection agency Couch, Conville, and Blitt of my private student loans that they are now attempting to collect a debt on. I received validation of the debt upon my request. Along with my information, the collection agency sent a list of 29 other individuals ' names, ssn, interest amounts on loans, and principal amounts on loans. I believe that this is very dangerous and I feel that if they have sent me other peoples ' personal and confidential information, that they have also sent my information out to other individuals. I feel this is very dangerous and illegal. I am looking for a resolve of the matter because I feel my information may fall into the wrong hands of someone and I'm sure if these individuals listed on the paperwork sent to me knew of this, they would be very concerned also.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.