davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Transunion to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me. 

XXXX without my authorization took it upon themselves to place a personal fraud statement on my report, and then XXXX sent a notification to both Experian and XXXX XXXX also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

Exerian in response to this request by XXXX  placed the following statement on my experian report. 

Personal Statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

I did not make this statement and do not appreciate experian placing it on my report and exposing my phone number.
Consumer complaint received 2018-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I bought a jade pendant on the last day of a recent trip to XXXX using my Capital One XXXX card. 5 days later I contacted the XXXX store from the US wanting to return it. I felt the merchant won't cooperate so I wrote a long letter to Capital One explaining all my reasons for the return and my concerns. On XX/XX/XXXX, a lady of Capital One called me telling me to mail the pendant to XXXX and she issued me the credit. She said as long as the tracking shows it passed through the US custom, it'll be up to the merchant to prove they didn't receive it. So I spent the international postage, then wrote another long letter with the tracking #, photos of package etc. to Capital One. On XX/XX/XXXX, the merchant called saying that they received the package and need my credit card slip. I emailed photo of the slip to them right away. On XX/XX/XXXX, Capital One called me saying they reinstated the charge because the USPS tracking stops after the package left US. They need me to give them the proof that merchant received it. I was on the phone with Capital One for more than an hour, explaining that the merchant must have received it because they can only get my phone # from the package. I can show them my phone record of they called me and my email to them, but since they are not replying me I have no other way to prove it. I only mailed out the package per Capital One 's instruction. I spent so much time writing and sending them all the document I have. They made me incur all the mailing cost. I can't make up a XXXX phone call to myself. I can't make USPS track more for me. How can they ask me to prove the unprovable thing from my side after they told me it'd be up to the merchant to prove?! Capital One promised consumer protection. I did all I could in good faith. But they are not keeping up theirs.
Consumer complaint received 2018-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really  worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of  Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. 

Please investigate and update my report.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I disputed inaccuracies with a Equifax concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for Equifax and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my Equifax be updated to reflect the changes as well.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I send a request demanding debt validation to Portfolio Recovery Associates on XX/XX/XXXX certified with return receipt.

For the amount {$1400.00} They send a verification letter on XX/XX/XXXX The letter had no other supporting documents. Called and spoke to XXXX XXXX and get manager. They told me they did not have any documents and were not required to provide them
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

I can not get copies of the original loans documents so I can hire an independent auditor to determine if all of the costs from forbearance agreements and fees and interest are accurate. 
I also want to find out how to be part of the class action group suing Navient for the many complaints filed against it by the CFPB
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/18 I did a balance transfer from my card ending in XXXX. As is evident in pictures I will show, I was left with a {$0.00} current balance which stayed that way till XX/XX/18 where I was literally charged an interest charge, on top of a interest charge on top of a mystery fee. The mystery fee was for {$220.00} and doesnt show in my current balance so theres no way to see what that charge was for. I called BofA customer support 3 times for hoping someone could explain these charges reasonably. Each person reading from a script said, this is standard practice at the end of a promotion with no valuable elaboration. The first interest charge was a {$41.00} on XX/XX/XXXX for interested charge on a balance transfer. BofA did nothing in this balance transfer. Standard practice for banking companies is not to charge money when they are getting paid the entire balance. Then that same day there was a second interest charge of {$37.00} just called interest charge.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (CA)

The creditor Avant is reporting my account with them as included in bankruptcy. I believe this is a violation of the law since the account and all reporting was stopped as of XX/XX/2014. 
Adding a negative remark once in bankruptcy is a violation of the bankruptcy laws for reporting of creditors to the credit bureau.

I also asked for proof of this being my account since I have had multiple accounts that were paid in full and they have refused to send me a signed contract as proof this is a different account and not a duplication of one of the paid accounts I have had with them. There payments made according to the credit report but the paperwork sent to me shows the payment schedule but no payments received by them. 

Thank you
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court
Consumer complaint received 2018-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

My daughter, XXXX, and her friend, XXXX, found a lady named XXXX XXXX ( not her real name we found out later ) who had a house listed for rent on XXXX. They wanted to rent the house that XXXX had listed at XXXX XXXX XXXX, XXXX, WA. My daughter and her friend sent an application to XXXX and she told them that they were approved. All they needed to do was deposit {$1200.00} into her daughters account, because apparently it was her daughter, XXXX, who normally handled the rental. XXXX gave them the information for the account. Here it is : Bank : Wells Fargo Daughters Name : XXXX XXXX Account # : XXXX XXXX & XXXX went to the Wells Fargo, XXXX, WA branch on XXXX and deposited {$1200.00} into the account on XX/XX/2018 at XXXX. Transaction # : XXXX. Later that same night, they stopped by my place to tell me about the place they thought they had just rented. I told them right away that I didnt like the whole situation and was worried it could be a scam. So, first thing the next morning, I started looking into all the information that XXXX & XXXX gave me and decided that they needed to call the police right away. XXXX called the police and found out that they were definitely scammed and was given a police report #. ( Report # XXXX XXXX Police Department ) XXXX informed her mother of what had happened and her mother got on the phone right away and spoke with the Wells Fargo branch manager on XXXX where XXXX and XXXX had deposited the money. She explained to the branch manager what had happened and gave her the police report #. The branch manager stated that the XXXX Police Department never does anything and informed XXXX mother that the money was still in the account and that she was going to put a freeze on the account. The branch manager called XXXX mother back that same day and told her that they would get their money back but she wasnt sure when, so she would call her daughter, XXXX, within a couple of days and let her know more. That was Friday, XX/XX/2018. XXXX called me very worried on XX/XX/XXXX because the branch manager hadnt called her back. I told her not to worry because it was XXXX XXXX and they were most likely closed. XXXX waited through Tuesday and still never got a call back. On Wednesday, XX/XX/XXXX, XXXX called the branch manager back, who apparently then called the fraud department, and XXXX from the fraud department called and talked with XXXX and told her that the account was never frozen and that the scammer had pulled the money out over the weekend and closed the account and that they wouldnt be helping her any further.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Mr. Cooper claims I am in bankruptcy but has revealed that it was a mistake. Someone with the same last 4 digits of their social security number is in bankruptcy and it applied to me. I have tried to get this resolved but nothing is working. 

Here is a summary of the calls I've made : XX/XX/XXXX - Discovered I was not the person that was in bankruptcy. Assured me that the issue would be resolved in 2 or 3 business days.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent opened a review.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent saw the open review and decided not to open another since it would start the process over. 


Due to this I am : 1. Not able to pay my monthly mortgage, they are not accepting payments 2. Can not log in to account on https : //www.mrcooper.com/XXXX  to see my loan details Since I can not pay will this affect my credit? Am I going to have to pay my amount due immediately when I get cleared? I am selling my house. Will this affect the process?
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been attempting to link my accounts at capital one to outside accounts for deposits into capital one however I have now been notified by separate entities I conduct business with that Capital One is known by the I. T. community it large and in their company locally to be currently blocking users from accessing their accounts. This is exactly the information I have found as well. I have the right to access my financial records and access to my accounts, funds, and to conducts banking processes as I need in accordance as agreed. Capital One should immediately release, remove, deactivate, or otherwise nullify any and all blocks, locks, firewalls, and/or any other pertinent system whether hardware, software, or artificial intelligence born, engineered, curated, fashioned, mocked, or driven that prevents me and the rest of its customers from pursuing their rights to accessing person bank accounts from an external non capital one entity.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (KY)

Nationstar ( dba.MR COOPER ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XX/XX/XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold Nationstar responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MI)

I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

Credit Card ( Barclays ) informed us of suspicious fraudulent activity on the card via phone call in XX/XX/2020. We reviewed the statement and outlined the fraudulent charges and sent back to the Credit Card company as requested. A few months went and nothing happened, we contacted them again in XXXX we contacted them and they told us that the case was closed. We received no written notification of this or the investigation into the fraud. 

I have been a customer of Barclays for 17+ years. No incidents They also informed us that they had no record of the statement we provided with fraudulent charges identified. We saved a copy and resent it to them. Since then we have called the company several times and can not speak to them after waiting on the phone for 2+ hours. The company keeps informing us that it's our fault, their fraud department is too busy to speak with us and nothing happens. 

During this time they have charged me interest and penalties for not paying the fraudulent charges.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

We got flooded in XX/XX/2016 in XXXX Louisiana and chase got our flood insurance check. We have a licensed contractor. They make excuses and excuses to release funds to us to pay the contractors. Our house is damaged still not done because chase will not release funds. We recently got a letter saying they are selling our mortgage. The only reason they are doing this is because our house is damaged and they want to hold on to our money as long as they can.