davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I 've had a problem with Capital One Bank for months now. My account information was stolen and there were several out of state purchases made with both mine and my husband 's debit cards. Capital One refused to investigate and return us the money although they do advertise a risk free debit card. They basically blamed us for everything and did nothing even after we proved that we were not at the place where the charges were made. Their customer service is the worse and we are beginning to suspect it might have been their own employees stealing our account information. We have worked with other banks and are currently using a different one but never encountered this problem.
Consumer complaint received 2016-05-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (OH)

SUNWEST MORTGAGE. Roof damages and my insurance carrier ( XXXX ) approved a full roof replacement. I had to inform mortgage Company Sunwest about this because the repair check was a 2 party check to me and mortgage company. After filling out all the paperwork, Sunwest informs me that they will keep up to {$150.00} of the contractors money so they can pay their own inspector to come make sure work is completed. I spoke to my loan officer and my insurance carrier and neither has ever heard of this practice. I look at all my loan docs when I signed with Sunwest, and no paperwork shows that if I have an insurance claim that Sunwest will basically take a deductible out for an inspection. Now, I am going to have to owe the contractor up to {$150.00} plus my deductible. Sunwest, stated they do this for the Safety of my family. They will not budge on this. I tried to even explain to them that we purchased a Permit through the county and they actually have an inspector come out and I could just forward them over the county info when completed. Sunwest said no and will still be withholding money from the repair check for their own inspector. 
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

Experian was able to pin point which account was linked to what name variation and address and so was Transunion making it easy to identify Identity theft on my report. 
The Equifax rep was neither willing nor able to identify when or how they came to report the name on my Equifax report e.g. XXXX XXXX XXXX ( wrong ) vs. XXXX XXXX XXXX ( correct ). XXXX syllable seems trivial but it is enough to block a potential creditor from viewing a credit file because the information is inconsistent ... it blocked XXXX from accessing my report. After being on hold for 30 minutes to speak to a supervisor ( total call time 1 hour 09 minutes ). I spoke to a lead named XXXX, the lead for the blue team. I asked for a manager and waited 30 minutes to speak to a lead. After being denied the information from the previous rep, she acknowledged that the name " XXXX XXXX XXXX had been reported since XXXX 2014 '' but would not pinpoint which creditor reported or submitted a request using this name variation. She made no effort to advise how I could fix this issue but rather echoed the statement from the prior rep. I advised that I attempted to dispute this information on line so that I could scan my credentials. She acknowledged Equifax continues to have technical issues. 
In summary : First : Equifax was unwilling to help me identify which company reported the inaccuracy. Had Equifax provided me with this information, I would be able to contact the original creditor and have them correct the information. 
Second : Creditors I want to view my credit report can not do so because of inconsistencies in my report vs what I submit on an application.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-07-24
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. (TN)

On XX/XX/XXXX Experian received a dispute where i was disputing a bankruptcy. On XX/XX/XXXX I received a letter back from Experian stating that my bankruptcy was deleted completely off my report. On XX/XX/XXXX they mailed a letter stating that the item was updated from their processing of my dispute in XX/XX/XXXX. I have not submitted a dispute since XX/XX/XXXX. They have commited fraud and is in violation by adding the bankruptcy back without notifying me within five days and also lying about me disputing the item in XX/XX/XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.
Consumer complaint received 2015-09-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX years old XXXX and I can not read or write. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you
Consumer complaint received 2015-07-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

The law firm of Pressler and Pressler LLP in XXXX NJ has been filing suite against me in the local county courts and I have been requesting the required information on the debt since they had XXXX contacted me and they have not yet done so, I have repeatedly advise them it is not my debt. Through my own research with what little information they have given me it appears they and their partners have purchased some kind of written of credit card which has nothing to do with me. The courts set a trial day for XXXX XXXX however upon arrival I had been informed it had somehow be decided on XXXX XXXX, additionally each time I receive any notifications concerning the debt they have provide a different name for the entity claiming to own the debt further confusing the issue and from the articles I have found is a tactic they often use, I have been informed the firm is currently under federal investigation for using similar actions in violation of the Federal Fair Debt Collection Practices Act.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (CA)

US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. 
Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). 
I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. 
As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. 
As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. 
Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

I had closed my XXXX credit card down due not only an error they made with taking a payment out of my bank account to add to my secured credit card with a value of {$300.00}. When I tried to call to talk about their huge mistake a female customer service agent was less than professional and I said cancel card. At time, as I put {$250.00} down payment, the card had nothing owed, it was caught up to date. However, XXXX illegally sold the account to MCM MIDLAND debt collector who called me constantly and harassed me. I tried to discuss issue with MDLAND XXXX, XXXX credit reporting companies, and XXXX, XXXX XXXX, XXXX and many attempts by me were made for four years to prove my innocence. Enclosed you will find a letter dated in XXXX 2016 where MCM MIDLAND refused to even go over my situation yet again. But, in XXXX 2016, a letter was sent to the XXXX credit reporting companies that stated after 4 years of not XXXX company sending me proof of debt, that they needed to remove them as of identtity theft issues as well. Then as you see all of a sudden after 4 years MCM MIDLAND writes a letter XXXX 2016 saying that XXXX recalled card I actually owe nothing at all, as I tried for four years to prove to both companies and reporting agencies.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - ASAP.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc (AZ)

I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS
Consumer complaint received 2015-09-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Consumer complaint received 2015-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (IN)

We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I have a loan with Wells Fargo I keep getting letters that my real estate taxes are not paid. I have written a hard copy complaint, and sent back their email. I have XXXX letters and XXXX emails from Wells Fargo in the past 3 weeks on the same subject. I pulled my canceled checks and see that my real estate taxes are paid. What gives Wells Fargo?
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

We financed our home with Wells Fargo in 2007 for a 30 year fixed rate term. We made payments for nearly 10 years, our starting balance was a {$150.00} our current balance is {$150.00}. Our total payments to date are {$120.00} and only {$4.00} is on principal. How can that be?