davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (AZ)

Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX  deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX  and XXXX  on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as 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 Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX  when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

Good Day, My address was incorrect in Equifax system so I filed a dispute online giving them the correct information. They sloved the dispute but failed to correct it. I disputed again online and they did not fix it. I mailed in a dispute and they still have not fixed it.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (UT)

I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. 

On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. 

I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. 

Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. 

I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.
Consumer complaint received 2020-08-22
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. (MA)

On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Experian to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments are still on my credit report. I tried to dispute these late payments twice with Experian providing proof that those late payments should be removed and the creditor requested them to do so, however, they are still on my credit report. Experian did not look into this issue carefully and my request was not met. I am attaching proof to this complaint showing that creditor reached out to Experian twice in regards to this matter, however, it did not bring any results and false late payments remain on my credit report.
Consumer complaint received 2020-08-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Services have been calling me about a mortgage debt that I owed to XXXX. I was told that they debt was transferred to them and that I owed them for debt from XX/XX/XXXX. XXXX billed me for XX/XX/XXXX mortgage and I attempted to pay this debt. 

. On XX/XX/XXXX asked XXXX XXXX XXXX my mortgage payment was not withdrawn from my account. I was told that my loan was transferred to another company. This transfer for servicing or sale of my mortgage did not follow 1024.33 Mortgage Service Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected mortgage payment from me on XX/XX/XXXX and also responded to complaints in the said month. In XXXX I received a call from an unknown creditor who identifies as Select Portfolio Services ( SPS ) informing that I was late on mortgage payment that was due XX/XX/XXXX. The call from unknown creditor came a few days after I asked XXXX XXXX XXXX about why my mortgage payment from my bank account. Regulation XXXX explicitly states that payments are not considered late during the 60-day period beginning on the effective date of transfer of the servicing of any mortgage 33 ( c ). See attached XXXX bill sent to me on XX/XX/XXXX. How could another company state that I owed them XXXX first bill? Automatic payments were set up wit XXXX which shows my attempt to pay this bill. Either XXXX or SPS reported late payments to the credit bureaus. Yet I have no details about the transfer of my loan. This is the only late payment I have on my credit and this significantly impacting my credit score. Was my loan sold. 

When will I get a information from the SPS about the delays of my loan?
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I was charged a cash advance fee on XX/XX/2020 in the amount of {$65.00}. I had a chat session with XXXX at Citi Bank and I asked for an explanation of the charges since I never obtained a cash advance. I asked for a refund and I was turned down. She explained the charges were due to using XXXX transferring money on XX/XX/2020. I told her that I did not know that was considered a cash advance and I demanded a refund but she would not give it to me. 
When I used XXXX, I did not know that the transaction would be considered a cash advance. If I knew that, I would have not done it. I explained that to XXXX and she threw the book at me. 
XXXX, nor Citi card informed me this would be considered a cash advance, therefore, I would like to file a complaint against both companies and I would like Citi to give me a refund in the amount of {$65.00}.
Consumer complaint received 2020-08-22
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: Receivables Performance Management, LLC (TX)

My issue with Receivables Performance is that they keep on resetting a date on my credit report and my credit has been dropping. These people are doing this purposely every time my credit score goes up. Its not the first time they have done this. I have had no contact with this company at all. My debt to XXXX was close back in XXXX 2018. Ive also come to believe that Receivable Performance is checking my credit score without my authorization! I have complained to TransUnion but they did not do anything about it. I will escalate things further and take action against this company for Illegally and purposely affecting my credit score. I dont have and have not open any accounts with them recently. They need to stop harassing me. That is Illegal.
Consumer complaint received 2020-08-22
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: EQUIFAX, INC. (AZ)

On XX/XX/2020 I sent my initial dispute letters to you. Requesting you validate the information on my credit report and to DELETE the items that you can not validate. You failed to respond to that letter when USPS tracking shows you received this letter on XX/XX/2020. Tracking # XXXX In that letter, I included a copy of my ID along with a copy of my social security card. You had the audacity to send me a letter asking me to send in documents to verify my identity. which I did already. 

I sent you yet again, another letter saying you failed to respond to my initial dispute within the 30-45 days and sent you another letter on XX/XX/2020 stating since you failed to respond to my first request within the 30-45 you must delete any information you are not able to validate within that time frame. In this letter I sent you a copy of my original letter ALONG WITH a copy of my ID and my social security card. 

STILL you have the audacity to send me the same letter on XX/XX/XXXX requesting a copy of my ID and social security card, when I had send them to you in BOTH my previous letters. 

I then sent you another letter stating everything I have sent you before, and what you have sent me in return, even though I have been sending you a copy of my ID and social you still are sending me the same letter asking me to submit that information. In that letter I stated you have been using stall tactics to disregard my dispute by asking for my ID and social when they have been sent to you MANY times before with ALL of my letters. This was the THIRD letter I sent you regarding an investigation into my report. I stated in my last letter that I am keeping record of everything I have sent you and you've sent me. I let you know that failure to comply with federal regulations with credit reporting agencies are a serious violation of the FCRA and that I would not hesitate to report you to the CFPB so here you go. 

I sent you this third letter and you STILL SENT ME THE SAME LETTER ASKING ME FOR MY ID AND SOCIAL SECURITY CARD!!! when I already have.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

* Issue 1- Experian systems showing " false negative '' in compliant 's credit security freeze status * Issue 2- Experian could not remove the security freeze in place because of the FALSE displayed  showing " no security freeze '' XXXX Damages : Causing extreme financial hardship/ losses to the complaint as the complaint could not refinance his high-interest mortgage loan. 

XXXX Case Details***************************** As of XX/XX/2020, an Experian letter to the complaint showed his security freeze was permanently removed ( Attachment 1/ page 1 ) As of XX/XX/2020, an Experian letter to the complaint indicated that his credit file did not display a freeze. ( Attachment 1/ page 2 ) On XX/XX/XXXX. XXXX the complaint complaining to Experian that the security freeze, in fact, was not removed despite it displayed " no freeze ''. Experian rep in the dispute dept. insisted there was no freeze. Compliant explained it is a false display in their system and the actual freeze is still in place. 
Complaint made repeated calls to Experian on different dates and times to let them know the freeze is still on. The rep could not " remove '' the freeze as the system " showing '' no freeze. 

On XX/XX/XXXX, the complaint 's banker trying to conduct a credit check on the complaint 's Experian 's credit, and the email message from the Experian Customer Care Rep confirmed the complaint 's file IS still under security freeze. ( Attachment 2 ) On XX/XX/XXXX, the compliant took a screenshot of his Experian membership screen and it clearing showing the security freeze is still on. ( Attachment 3 ) *********************************Action To Be Taken by Experian********************* * Resolve1 -Experian needs to address some of their systems showing " no security freeze '' was a false negative. The fact is the security freeze is still on. 

XXXX Resolve2- Experian needs to remove the complaint 's security freeze globally PROMPTLY as the freeze continue to cause extreme financial hardship on the complaint and his family.
Consumer complaint received 2020-08-22
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: BARCLAYS BANK DELAWARE (CA)

I purchased a gift card from XXXX XXXX  for XXXX. They then charged me twice in XXXX. XXXX XXXX refunded the XXXX amount and provided me with an email and code. I let them know that it was still on my card and they double checked and said it was refunded on their end. However Barclay Uber Visa says fraud dispute denied the claim and will not refund my money. I can not file another claim. I called XXXX and it is refunded on their end. This occurred in XXXX and it is know XXXX and I can not get a refund for them. I verified with XXXX XXXX  that only XXXX gift card was issued and the other one was refunded.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MA)

I purchased on XX/XX/XXXX a bracelet by XXXX XXXX via Macys.com.  I used something called " Star Money '' based on a prior purchase. Unfortunately the bracelet came damaged and Macy 's refunded me the money but charged me for the Star Money in a total of XXXX ( XXXX plus tax ) and this charge is on my bill. I was sent a gift card for XXXX and Macy 's claims this is legal by govermental law per the rep I spoke to 3 days ago online. They are ripping me off XXXX cents on a tax of a gift card which was unwanted. I was hoping they would just refund my credit card and I would forfeit the Star Money. They  have refused to solve my inquiry and drop this charge of XXXX. I have a gift card for XXXX. I also get charged XXXX a month if there is nothing on my statement. I feel they should simply drop the charge on my store credit card, and forfeit the Star Money. I have tried to close this card. To date, they are leaving a XXXX balance on there I must pay as the minimum or they will charge me interest - even though all that was returned because it did not fit me correctly. In the past, they sent me a defective fold out cot and told me they would not refund it but I could keep it for 1/ 2 the price - only to brutally slash my credit card spending power by XXXX. My limit is now much less on this card. It really is aggravating. I am not sure what games they are playing but I have been quite upset. I basically have to pay this card on a nonexistent item which was returned unless I want to pay interest. The whole thing is a mess. Then I will have to wait 3 months in the mail for the check refund of an overage of my bill. Customer service is super unhelpful.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NY)

1 ) I have a Direct Plus Federal student loan, but am told by my servicer, Nelnet, that it does not qualify for the interest forgiveness. I need to understand why and could not get a good answer from Nelnet, only that some older loans do not qualify for interest forgiveness under the Cares Act. 
2 ) I took the forbearance option for four months and now the loan amount has increase by {$640.00} in accumulated interest. 
3 ) Nelnet has increased my monthly payment from {$330.00} a month to {$420.00} a month starting XX/XX/2020. I am in a graduated loan payment program but this increase in payment is not due to that, and I need to understand why. 
4 ) The loan has a fixed rate of 8.5 % but if you look at the monthly interest amounts they can vary by more than {$20.00} a month and I don't understand why. 
I have discussed all of these questions with a Nelnet rep, and although she was very nice, I did not get answers to these quesitons.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, Beginning 2018, I have mailed multiple disputes to Transunion, XXXX  and XXXX  for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

Transunion and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and XXXX  did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/XXXX call capital one credit card for the XXXX time to get a late fee charge that i was told was going to be removed on XX/XX/XXXX. The person that i spoke with on the XXXX said he was not going to remove it. that it was my fault and did not care that i was already told that it would be removed. kept saying it was my phones fault. i did get very mad at him. and he just kept telling me that he was not going to help me. when i asked for a supervisor he said he wouldn't. he just kept edging me on. now they have closed my account and said i still owe them money. No one ever called to get my side. i get my account closed from a company that says a customer does not come first. i was mistreated by their rep. and i am the wrong one.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2020 we applied for the covid 19 relief plan ( mortgage foreberance ). We were told that it was 3 months, would not affect your credit and the the 3 months would be placed at the end of the loan at the end of the foreberance program. On XX/XX/2020 I completed the paperwork to terminate the foreberance program and selected that the overdue amount be placed at the end of the loan. On XX/XX/2020, I called wells fargo to ensure that my request had been process to resume payments. The customer rep. Told me that I had skipped one step, but that she would complete the process for me while we were on the phone. Everything was done and was told that it would take about two weeks and that i could resume giving my XX/XX/2020 payment. On XX/XX/2020, I contacted WF again and asked them why was my acct still showing that our loan was in foreberance two months after we had requested that it be updated. XXXX, the first rep told me that i had skipped a step and transferred me to XXXX from the mitigation dept. Who then confirmed that I had completed all of the paperwork and did not understand why my acct was still in foreberance. XXXX said that my XXXX and XX/XX/2020 payments had been applied to XXXX and XX/XX/2020 instead of XXXX and XX/XX/2020 payments. He also said there was nothing he could but assist me with filing a complaint with the proper Wells fargo complaint department. XXXX allegedly filed the complaint and said that I should hear from this department by Thursday, XX/XX/2020. I am filing this complaint now bcz I have been denied a loan bcz after two months my account continues to remain in XXXX.
Consumer complaint received 2020-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TN)

The account belongs to my uncle who has passed away almost 4 years ago. The amount XXXX is not mine and should be removed from my credit report. The owner it belongs to is XXXX XXXX which has passed away. I have disputed this on the credit report and santander usa has not ask for it to be removed.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I made a transfer from Bank to Bank for XXXX and I never received the money, then I saw that they had hacked my account and they changed my information and the Chase bank did not respond to me ; They just tell me to talk to XXXX and I contact them and they send me to Chase again and I can't get out of there.