davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing a complaint against Capital One regarding their reporting of late payments on my credit report, which I believe may be in violation of the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) credit reporting provisions. 

In XXXX XXXX XXXX, I contacted Capital One seeking financial assistance due to a COVID-19-related hardship. I was informed that I would need to miss a payment before being considered for a hardship plan. As a result, I missed the payment for XXXX XXXX and subsequent payments for XXXX and XXXX were reported as late on my credit report. 

The CARES Act provides specific consumer protections for individuals affected by the COVID-19 pandemic. According to the Act, if an accommodation is made, such as deferred payments or forbearance, creditors are required to report accounts as " current, '' provided the account was not delinquent prior to the accommodation. 

In my case : I proactively contacted Capital One to seek assistance due to financial hardship caused by the pandemic. 

I was instructed to miss a payment to qualify for the hardship program. 

Despite seeking accommodation, the late payments for XXXX XXXX XXXX XXXX were reported on my credit report, potentially violating the CARES Acts credit reporting provisions. 

I contacted Capital One via letter to request the removal of the late payments from my credit report. In their response, Capital One confirmed that they had reviewed my account but stated that the late payment reporting for XXXX XXXX XXXX XXXX was accurate and did not need to be changed. They did not acknowledge the provisions under the CARES Act that might have applied in this situation.
Consumer complaint received 2019-08-13
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. (PA)

I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus XXXX and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX  responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX  entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to Experian and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Consumer complaint received 2019-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

On or about XX/XX/2019, Navient sent me notice indicating it had " recently received notice that you filed for bankruptcy '' and requested I send information regarding the First Meeting of Creditors. I don't know where they received information that I had filed for bankruptcy. 

On XX/XX/2019, the phone calls began. Some man with an accent started calling ( XXXX ) or something like that. He is unable to understand what I say to him - often misinterpreting what I say and then accusing me of lying to him afterward. 

On XX/XX/2019, I had enough, I laughed at the information he said back to me because I said none of those things. He said " I don't understand how you live your life, last time we talked you were crying and today you are laughing. '' I immediately asked to speak with someone else that was not rude but instead received a phone call from an unhappy woman that continually accused me of never wanting to pay back my loans. I told her the phone calls stress me out and she said " I'm gon na stress you out right now and personally refer you for litigation '' and then hung up on me. 

Today, XX/XX/2019, XXXX or whatever the man 's name is, called me and asked me how I sleep at night. This upset me. He again asked if I was laughing. 

Phone calls by these individuals treating me like I am some awful human being that committed heinous crimes because of my financial inability to pay {$1000.00} per month for the rest of my life should stop. 

I should also note that XXXX called and left my brother a voicemail indicating that I have " abandoned '' the loan.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I paid a dept owed to XXXX XXXX of {$550.00} for XXXX on XX/XX/2018. I then received noticed of collections for the same bill from Penn Collections for the same amount on XX/XX/2018 for XXXX. This debt is showed as paid on my credit report and I want the Penn collections for the same bill removed from my credit report.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (OR)

I am XXXX y/o, legally XXXX and discovered on XX/XX/XXXX that I was the victim of elder financial XXXX. My grandson who lived with me wrote a fraudulent check from my account for {$1400.00} to his own company ( his company that he rarely provided services to anyone. He essentially wrote a check to himself. ) I reported the fraud at the local XXXX Bank of the West branch that day. Initially they credited the account the amount of the fraudulent check. A few days later they sent an email from the branch saying the claim was denied because it was late. I attempted several times to ask why it was considered late I was just sent the terms and conditions with a highlighted section that says the claim must be filed within 30 days of getting a statement with the fraudulent check on it. I called the " XXXX '' number and was told that I had to deal with the local branch. I emailed the local branch and stated that the check was written on XX/XX/XXXX. The check showed on the statement that closed XX/XX/XXXX. Statements then arrive on or about XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. I told them that would be within the 30 day requirement. They said they would refer this to the regional office. a person from the regional office called twice and left a message. I called back at least 3 times and have not heard back from the regional person. 
Also the financial XXXX  made 35 electronic transfers through the bank 's XXXX starting XX/XX/XXXX. The XXXX transfers were from my checking and savings account into my grandson 's XXXX account. The total of the transfers was approximately {$18000.00}. The transfers often happened in succession. On XX/XX/XXXX, he made 8 transfers of {$450.00} each. I also reported this to the local branch on XX/XX/XXXX and filed a electronic transfer fraud claim. I found out on XX/XX/XXXX that bank staff did not fill out the form and I needed to fill out a form. I returned the form on XX/XX/XXXX. I haven't heard the outcome and concerned that they will use the XX/XX/XXXX date as the date I notified them of the fraud. All of the reported fraud would have been reported within the 60 days. Also, the bank did not intervene when there was obvious fraud occurring ( XXXX {$450.00} transfers in one day on XX/XX/XXXX ) I did get an approximate {$7000.00} credit last week but have no idea what that is for and don't know if that again is a temporary credit while they investigate. The {$7000.00} credit is not even half of the total of fraudulent transfers. 

The Branch Office staff are friendly and nice but they do not know how to handle reports of fraud. When I ask questions they call the corporate office and then relay the information third hand. Very frustrating and ineffective way to communicate.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

Citibank N.A. denied our mortgage refinance application stating that we had insufficient income for our total obligations. When they calculated our debt to income ratio, they used 1 % of my total student loan balance instead of the income based repayment that I have always utilized. I submitted proof showing all of my payment history as well as my last billing statement from XXXX before the loans went into deferment as specified by the U.S. Government due to Covid. They stated that the last billing statement was not recent enough although there were no additional statements generated by XXXX. I have discussed this in great length with my loan officer via phone and email but the underwriter still asked for XXXX statements that did not exist. This is discrimination because I have provided all of the available proof.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (OR)

This complaint is against New American Funding ( AKA Newamerican Funding ), whose address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I have a mortgage loan with them which requires monthly payments of {$500.00}. 
On XX/XX/XXXX, I wrote a check ( No. XXXX ) in the amount of {$500.00} to Newamerican Funding for a loan payment due on XX/XX/XXXX. On or about XXXX, XXXX, a representative from Newamerican Funding called to inform me that they had not received the XXXX payment. I told them about having mailed it on XX/XX/XXXX, but they said it had not been received. In order to avoid late charges, I immediately made payment via debit from my checking account. I then asked what would happen if the check was eventually received. They said it would be credited toward principle on the loan. I said I did not want this and recalled them saying I would have to put a stop payment on the check ( Newamerican claims they reviewed the recording of the conversation and that the agent never said anything about placing a stop payment on the check. However, Newamerican refused to provide me with a transcript of the tape and refused to provide the name of the agent I talked with ). 
On XX/XX/XXXX, I placed a stop payment on the check to make sure that if it was stolen, it could not be negotiated. However, on XX/XX/XXXX, Newamerican wrote me that my most recent loan payment had been dishonored by the bank for a stop payment and that they were charging me a {$25.00} fee. Apparently the payment had shown up, and despite my discussion with Newamerican, they cashed it. IT IS IMPORTANT TO NOTE THAT NEW AMERICAN FALSELY STATED THAT THE CHECK WAS A LOAN PAYMENT. In fact the required payment had already been made and nothing was due until XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I contacted Newamerican about the unauthorized {$25.00} fee. The most recent conversation involved agent XXXX XXXX and Supervisor XXXX ( refused to give last name, said his code was XXXX ). Both claimed that New American did not authorize a stop payment and that I had to pay the fee. 
Newamerican was not authorized to cash the check lost in the mail and was not due any money on the loan. Despite this, Newamerican knowingly and deliberately placed me in the position of having to pay late fees or stop payment fees in order to obtain funds they were not entitled to receive.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX  XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail with FTC complaint attached. As of today they have failed to provide me with the proof I have lawfully requested.

This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : CAPITAL ONE, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00}. Date Opened XX/XX/XXXX.

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

XXXX Wells Fargo the height of it was XXXX  I ended up abandoning the account. They charged me so much overdraft fees it was ridiculous. I want my money back they would not help me at all. I just got some money back from them for fees regarding something else but he said he could help with the overdraft fees. I believe over the charges are over {$2000.00}.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (NV)

I have sent several requests to Escallate Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company which has well surpassed the 30 days allowed by law for a response.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (AZ)

Dear XXXX : I had applied for a conventional loan in XX/XX/2019 with XXXX XXXX, which then merged with CrossCountry Mortgage out of XXXX, Ohio. My loan origination was subsequently transferred to XXXX XXXX XXXX, XXXX. After providing all required documentation or the loan, my loan was conditionally approved. 

About 2 weeks prior to closing, I was asked to provide additional documents on my marital separation agreement. Based on obligations discovered in the separation agreement, XXXX XXXX sent a few emails saying that the loan may not be able to work, but kept refusing to give me a straight answer on whether the loan was denied or not. I sent additional income statements such as 5 year annuity payments, but his underwriters did not know or would not consider them. XXXX XXXX would also not call me as I requested but would sent infrequent short emails as he saw fit. With just days before closing, he asked me to work with other lender if possible, and to revert back to him if I needed to. 

With couple of days before closing, I made the difficult decision to stop the process. I put my paid escrow money of {$3000.00} in jeopardy, which I still have not been able to recover. I asked XXXX XXXX for a denial of loan document which he finally was able to provide. I repeatedly asked XXXX XXXX for a venue/person/website to complain, which he totally ignored, and did not refer me to anybody. 

I am not disputing the decision to not XXXX me loan, but I'm extremely disappointed with the way XXXX XXXX was trained to handle this situation as time was running out. He could have handled this situation better with a professional phone call taking five minutes of his time, or referred me to someone else within his company, or a place where to complain. His employment company would be well advised to retrain him in basic customer relations, communication skills, and let him know how to offer redress options to his clients. 

Thank you,
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX, XXXX Account no. XXXXXXXX XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

TO WHOM IT MAY CONCERNNOTICE OF ERRORACCOUNT # XXXXADDRESS : XXXX XXXX XXXX, XXXX NJ XXXXI am contacting CFPB with a Notice of Error committed by Seterus the servicer of my mortgage loan account. 
This inquiry for clarification or documentation as a notice of a billing error, including correcting the account in accordance with XXXX ( XXXX ). 
Please be advised that the following errors are contained in the XXXX XXXX, 2015 Account Statement issued by Seterus. ( Atttached ) The first error - Amount Due is incorrect. The sum of {$2800.00} is in excess of the agreed upon monthly payment amount of {$1300.00}. According to the modification offer it includes principal, interest and escrow of {$540.00}. 
To date, I have made the following timely payments : -XXXX, 2015 check in the amount of $ XXXX-XXXX, 2015 bank check in the amount of {$1200.00} ( Seterus billing amount due ) The payments were made timely, for the required amount. Unfortunately, the periodic monthly statement does not reflect the agreed upon amount due. 
The second error in the periodic monthly statement dated XXXX XXXX, 2015 is -- Legal expenses of $ XXXXXXXXI dispute this amount because public records indicate that XXXX foreclosure fees paid to its counsel are not in excess of {$1500.00}. I think Seterus has marked up the legal fees. 
The third error on the XXXX XXXX, 2015 monthly statement is : -Appraisal Expense of {$15.00} dated XXXX XXXX, 2015- Legal Expense of {$50.00}, dated XXXX XXXX, 2015-Legal expense of {$8.00}, dated XXXX XXXX, 2015Please note that we have been paying timely for over six months and the foreclosure was dismissed by the court. Therefore no appraisal or attorney fees should be charged to our account. 
Please correct these errors and issue an accurate periodic statement from this point forward. 
Thank you. 
Sincerely, XXXX XXXX