davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I made a {$60.00} purchase via XXXX XXXX. The {$60.00} XXXX XXXX   charge cleared XX/XX/2020 per Capital One and XXXX XXXX. I was expecting a {$60.00} refund from Costco. XX/XX/2020 I checked my account and I had an available balance of {$0.00}, the Costco refund had not yet hit my account from where I could see. XX/XX/2020 I see the {$60.00} credit from Costco hit my account and I now had a available balance of {$0.00}. Capital One held my {$60.00} refund and stated it was for the {$60.00} XXXX XXXX  that cleared on XX/XX/2020 and my account is less {$0.00} with no explanation. According to my Capital One Statement I have one paid {$60.00} XXXX XXXX and 1 pending {$60.00} XXXX XXXX, but they are the same. According to my XXXX XXXX, it only shows the {$60.00} that completed on XX/XX/2020. I called and spoke to XXXX as well as a Supervisor to get this cleared up as the {$60.00} was needed. Capital One refused to help me despite me informing them of my hardship this incident has created. My children and I are stranded away from home and unable to buy food as a direct result of this incident. I was looking forward to the {$60.00} that Capital One stole from me to repair my vehicle and buy food for my kids. My children and I are stranded away from home and without food because Capital One refused to remove the hold for a transaction that had already completed. Now my children and I are faced with an even bigger hardship during COVID-19.
Consumer complaint received 2019-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for my writing to you is that cap one is being unreasonable. I wrote to this company on XX/XX/XXXX.  Explaining to them In detail that I had a major XXXX XXXX late XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered emotional stress and developed XXXX-XXXX XXXX XXXX and couldnt function mentally. and even attached documents to prove my claims. 

I requested them to Please remove the late payment history reported on my account with them during that time that I was recovering from the XXXX. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered around XXXX, I have maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, my account with them would have never fallen behind. 

Attached herewith is a copy of the letter i sent them
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Debt collector is Portfolios Recover Assoc LLC, a/s/o XXXX XXXX XXXX, a/s/o XXXX XXXX   XXXX Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX, I sent Specialized Loan Servicing LLC a qualified written request ( in the attached file ) because earlier that month I received a late payment notice although I sent in the payment as usual. The QWR was sent using certified mail with return receipt to the address specified on the loan statement ( in the attached file ). The return receipt was signed dated XX/XX/XXXX. I have never received any acknowledgement or response for my QWR. They are in clear violation of 12 U.S.C. 2650 and subject to fine that is due to me. Worse still, they started missing sending me monthly statements. 

I started to send them monthly payments using the payment service of a local XXXX store for fear of the repeat of XXXX payment. Payments through XXXX give me the record of the payments with the date on it. 

In an effort to clear up the issues of missing statements and make sure that all the payments and charges are accurate, I sent another qualified written request via certified mail to Specialized Loan Servicing LLC on XX/XX/XXXX ( in the attached file ). The return receipt was signed on XX/XX/XXXX. Again it fell on deaf ear. They completely ignored my request. I have not so much as received a letter of acknowledgment. 

I started to send in payment using certified mail since XX/XX/XXXX using copies of my old payment stub ( in the attached file ). On the copies of old payment stub included with the payments, I have asked them to send me monthly statement and send it to the address that has been in use. Again, I have received no statements. 

Specialized Loan Servicing LLC seems to be an especially bad example of a loan servicer. I pay the loan and did not get the service I deserve and not to mention required by law. I do not even know where my money went at this point.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc. (OK)

I have requested proof of validation on several occasions from this company. I have called FMS and they stated they no longer have this account and could not locate my information. Account is still on my credit report from this company and After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. They failed to send me the requested proof and stated that they are not in charge of this account. I have no contract with this company so therefore I want this account closed and removed from my credit report. This account is under a law firm and payment arrangements are made, not with FMS.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (KY)

I attempted a cash out refinance with Mr Cooper. The agent XXXX XXXX, took my financial information and said I would qualify for a cash out of {$170000.00} but because Im self employed that would drop to {$130000.00}. I agreed to the terms and he did a credit pull. I made him aware I was also working with another lender and would let him know if we would go through with the loan. I attempted to contact him again. He has not returned my calls. I spoke with another agent that made me aware XXXX was new and made a mistake. Mr. Cooper will not accept my income for the last 6 years of self employment. There policy is to discriminate against self employed customers for the time being. Our last refinance was three years ago. My income was fine for Mr Cooper at that time. Mr Cooper should correct the illegal credit pull and apologize for the incident. I have attempted to contact his supervisor XXXX. I have not received a response. I have also attempted to contact XXXX, XXXX supervisor with not response from XXXX.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

On XX/XX/year> I had received an approval email from a person named XXXX who was from The XXXX XXXX. I had been attempting to apply to different lending platforms to receive financial assistance. I am currently dealing with XXXX XXXX XXXXXXXX ( including XXXX XXXX ) and I have to pay multiple bills. When I received the email notification it stated that I could be approved up to XXXX with monthly payments only being XXXX per month. After I called this individual at the following number XXXX XXXX XXXX he then instructed me that he would be sending XXXX deposits to my PNC checking account. At first I thought this to be rather strange but he then explained that I would not have to pay any upfront fees. They explained that this was for credit building & insurance. He the instructed me to go to my nearest XXXX store to purchase Visa Gift Cards after I saw the money on my account. ( I later discovered that this scam company had really stolen money from PNC without me really realizing what had happened. After I came back home I wanted to know when I would be receiving this loan. He then came up with another story claiming that the State Of Virginia was holding up the loan proceeds because of a tax of {$210.00}. After still believing that this was a legitimate offer I went back to XXXX to purchase another gift card. This time using money from my own checking account. Since it was late in the afternoon XXXX then told me that the funds would definitely be released the next day which was XX/XX/XXXX. The next day I called XXXX and he told me that XXXX XXXX would still need another payment. I then became very angry and I demanded that they pay my rent payout of XXXX not realizing that additional funds were charged to my account as well
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2019-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

Hi I believe I have been retaliated by PNC Bank for contacting the Consumer Financial Protection Bureau. I called on XX/XX/XXXX and spoke to a woman, XXXX and was told all my checks and I asked her to order them and they would be free and she would call me back on XX/XX/XXXX and tell me why this was not handled correctly in the first place. I never heard back and filed my complaint. I called today to make sure my check were actually order. XXXX told me because I filed my complaint XXXX XXXX was handling this matter. I was never notified that XXXX XXXX was handling it. XXXX did not order my checks and then tried to tell me checks were only free on the the master account which is not disclosed on the fee schedule. All checks are free on the Performance Select Checking. It does not say only the Master Account. This should be disclosed to the consumer. Finally she ordered the checks. XXXX refused to overnight the checks even though the check order was delayed by 2 days as retaliation by XXXX since I contacted the Consumer Financial Protection Bureau. It should be mentioned that I called XXXX Bank and requested that I receive a check order on all my accounts as they are free on the fee disclosure.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IL)

I received a letter from Discover threatening me with a lawsuit for unpaid debt. Due to the COVID pandemic I have been laid off from work and surviving on unemployment benefits and support from relatives and friends. I have mentioned this to Discover but they are still pursuing this legal action against me. 
I kindly request to look into this matter. I can be reached on my email : XXXX XXXX
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, attempted to pay Wells Fargo an annual fee of {$30.00} due on a secured credit card I have but the teller refused to accept the payment stating that the fees due were in the amount of {$60.00}. She suggested I call Customer Service which I did and was told that I had an additional fee of {$30.00} but could not explain why this fee was for interest on my bill. On XX/XX/XXXX, XXXX, XXXX, and XXXX I explained that I did not use my card so how could I be charged interest. The representative then told me I was charged a {$5.00} late fee. I have had several other issues with this company charging late fees and over billing before but eventually the charges were dismissed. 

On the third of XXXX I spoke with the Credit Card department and they refused to correct this error. i was transferred to Customer Service where i lodged a complaint regarding this issue. The representative said it was the Banks fault and told me he would remove the fees including the annual fee. I've had problems with this company before therefore I always check back a couple days later making sure charges have been removed but as usual the {$60.00} charge is still on my card.There are XXXX different card number that stemmed from a chard that I denied, not only did Wells Fargo not take off the card number they add the charges back to my card like I never called here r the numbers { XXXX
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (MS)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide 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 the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, 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. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I have direct federal loans and have been paying under the IRB plan for years. Several of my payments which should be qualifying are listed as not qualifying on the site for several reasons. I emailed them about this several times over the past three years including twice in 2020. 10 payments are still listed as no bill and 8 are listed as pending manual review as they have been for months. Can you please help?
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (MD)

I have reached out recently on today 's date XX/XX/22 in reporting identity theft on my credit from TD bank of an Indenifty theft impersonator that had opened a credit card and account using my name to do so, I did talk with TD banks customer care fraud department representative to resolve the matter personally as I haven't opened a credit card with them in person or online. Did not give me a clear date when the issue with my credit identity fraud would be resolved just that it will be reported. Also in note i only use one bank debit card from XXXX bank as my only and current card for any financial deposits and withdrawals What was recevived by me by mail today was a credit overdraft statement from td bank Amount due back to TD bank still was XXXX beginning balance was XXXX desposits XXXX electronic deposits XXXX other withdrawals XXXX service charges XXXX ending balance was XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

I have no knowledge of the alleged debt. I have never entered into any contract or agreement with XXXX XXXX XXXX. I have not received any written communication from XXXX XXXX XXXX which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer.

This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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