davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX XXXX a fraudulent credit card account was opened in my name at Capital One. I learned about this in XXXX XXXX when obtaining a loan for a vehicle for the company I own. This was the first knowledge I had of this, since I had received no statements or other correspondence from Capital One regarding this account. I have been having a mostly one-way correspondence with Capital One ever since through phone calls, faxes and written letters requesting information and investigation. 

When no real information was coming from Capital One, I recently filed a police report and their investigation is currently ongoing. A copy of their report so far is attached. I also finally received requested copies of statements from Capital One - ones I never received in the mail at the outset. Both are attached here. I sent both of these to the XXXX, XXXX XXXX and XXXX yesterday in an effort to clear this fraud from my credit records. I have also requested from Capital One, but not received, a copy of the application for the credit card. 

I continue to get letters from Capital One despite all my correspondence with them, saying that I am responsible for this fraudulent debt. A copy of the most recent is attached here. The attached statements, which took 5 months plus to get from them, show that the whole amount was transacted in one day, in many small increments, from one ATM in XXXX. I have never been to XXXX, I have never used an ATM, and I have spent no small amount of time writing to and in conversations with many different representatives at Capital One. I do n't understand why Capital One has n't considered the circumstances and mode of withdrawal of these funds to be suspicious or possibly fraudulent. See attached letter from Capital One dated XXXX XXXX, XXXX. 
I am filing a complaint against Capital One for tarnishing my credit rating without proper investigation following repeated requests and for their failure to reasonably communicate with me about this incident.
Consumer complaint received 2017-03-21
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check to my brother account at bank of america ATM, unfortunately I did n't know my name was n't added on his account, so bank of america kept sending us a photocopy of the check, they did n't send us the substitute check or check XXXX. However, all financial institutions refused to negotiate this photocopy they had sent us including bank of america itself.
Consumer complaint received 2017-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (TN)

There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 
2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. 
These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. 
I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. 
Thank you for your consideration, XXXX
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. 
So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. 
We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. 


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Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (FL)

I received XXXX loans, XXXX unsubsidized and XXXX subsidized, through XXXX. On XX/XX/XXXX I processed a payment for the full amount of my unsubsidized student loan through XXXX, with specific instructions to apply it to my unsubsidized loan. When I checked on my loan on XX/XX/XXXX I noticed that the payment had not been applied, and called customer service. After a lengthy conversation with their representative, the payment was accepted and showed as such through the XXXX payment system. Before completing the call I confirmed with the representative that any extra interest accrued since the XXXX would be written off and the money would be applied to my unsubsidized loan. On XX/XX/XXXX, after receiving another loan disbursement, I checked my account and found that, although the payment had been accepted on the XXXX, it had not been applied until XX/XX/XXXX, almost a full month after I initiated the payment. Additionally, the money had been divided between my unsubsidized and subsidized loans, against my express instructions and despite the assurance I had received from their representative. On XX/XX/XXXX I sent an email to Cornerstone detailing these issues and received an email saying I would hear back within two business days. After two full business days I have still not received a response.
Consumer complaint received 2017-03-13
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My father was called by a debt collection company and told that I had three counts of fraud against me and that I needed to contact their company immediately. They also told my father that they would " come out and arrest him at his job if they had to because he was responsible for the debt also. '' I called XXXX with the debt collection company back and they also told me that I had three counts of fraud against me and that I was going to be served with a lawsuit and detained by a process server under the authority of the U.S. Marshall 's Office. The company told me it was for an old auto loan that I had back in XX/XX/2006. They told me they would not come out and " detain '' me if I gave them payment over the phone right then or if I set up some sort of payoff with them. They told me I would be served at my job and that I was going to get fired because I was served papers at my job. Unfortunately, I did not get the name of the company and they would not give it to me. They just said that they were a debt collection company hired by a company that was suing me. I was however given a name of XXXX with the phone number XXXX and the name of the process server was XXXX and she called me from two different numbers, one from New Jersey and one from Fort Myers : XXXX and XXXX.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

My credit card with XXXX XXXX was charged off in XX/XX/2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (TN)

I received two unauthorized charges on my debit card. XXXX has already flagged the account for fraudulent activity, and provided me an incident number : XXXX XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$130.00} XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$180.00}
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

Like all my other banks and financial institutions I conduct business with, I sent Chase Card Services of XXXX, Delaware, XXXX, a Change Of Address letter in writing on XX/XX/XXXX, that my address changed from XXXX, XXXX, IL XXXX To : XXXX, IL XXXX, in an effort to protect my identity under the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX by making sure my sensitive account information was not misdirected to the wrong addressee. Every institution complied immediately but JPMorgan Chase & Co. To date, my neighbors are still receiving my credit card statement ending in XXXX. I believe this is because Chase Bank USA , N.A . is ran by a XXXX who delight in harassing and tormenting people of XXXX American decent as myself as this is highly inexcusable conduct. Since JPMorgan Chase & Co. / Chase Card Services / Chase Bank USA , N.A . is too incompetent to handle the financial affairs of Americans protected by the Fair and Accurate Credit Transactions Act ( FACTA ) of XX/XX/XXXX, I demand a cease and desist of my credit card activity with this bank and/or its entities.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

After a request to increase my company 's credit limit at the local disposal site, a credit report showed that someone, somewhere has opened a XXXX dollar line of credit to my business. This was not me, it was done without my knowledge, or permission. I have not even been able to get the name or contact information of the person or company that says the line of credit is/was opened. This is not possible, given I have no idea who they may be, nor any way to contact them. Please see attached copy of Experian 's credit report ( note COMMUNICTN o pg. 4 ) that was forwarded to me by the XXXX ( XXXX ), who manages the local waste refuse sites.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P. (DE)

Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this
Consumer complaint received 2023-08-09
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. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Recoveries, Inc. (OH)

I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.
Consumer complaint received 2017-03-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

No one is verifying the payments being sent to XXXX, they are only content on verifying the trade line not accuracy. On XX/XX/2017 I submitted a partial payment in hopes it would report to the credit bureau, it did not. According to federal law it should be updated, or otherwise it is in error as of today, and as such should be removed altogether for being wrong. I have enclosed a screen shot of a payment clearing XXXX to XXXX on XX/XX/2017 towards XXXX with proper payee address and contact info. My credit report DOES REFLECT THIS PAYMENT. Therefore it is an erroneous report.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.