davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2022 I attempted to transfer {$50000.00} from my account at XXXX ( funds held by partner XXXX XXXX ) to the CapitalOne account Im writing about, to be used solely for child support payments for my son. The account was in my ex-wifes name ( XXXX XXXX ), however, with her knowledge and consent I had access to it, and planned to deliver all child support payments to her through that account. Said account had been virtually empty except for a couple of dollars for several years and when I initiated the transfer to it the sizeable amount flagged the account and CapitalOne froze the $ XXXX assets. 

CapitalOne said they were going to close the account since it was not in my name and return the funds to the XXXXXXXX XXXX  account which I sent them from, but as of the end of XX/XX/2022, they still have not returned the funds. My ex-wife, XXXX  XXXX, spoke with CapitalOne in XX/XX/2022 and they confirmed the same to her, that they were closing the account and returning the funds to my XXXX account. 

CapitalOne has not given XXXX XXXX or myself any update on when the funds will be transferred back and have had my $ XXXX funds frozen for the last 7 months, with no details on when they plan to return the money.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XXXX  I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/XXXX  and an updated FTC identity theft report.
Consumer complaint received 2022-03-12
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. (NY)

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Experian should demand itemize billing documentation of medical bills that I attended XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX, XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now!

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Consumer complaint received 2022-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have been serviced by Fed Loan servicing since XXXX. 
I have been a participant in the public server loan program. Since that time I have accrued XXXX qualifying payments toward the forgiveness plan. I have XXXX or XXXX pending approval for the past two years not for lack of submitting the appropriate documentation. 

I have been with the same employer since XXXX and had payments approved up till XX/XX/XXXX, The approval process has stalled. There is a new public service loan forgiveness tool in which you add your employer and find out if its qualify or not. It has taken me roughly 2 years and some additional time to have my employer, previously approved in the program, added to the tool. I have submitted a great deal of collateral information to make this happen for my small nonprofit. Unfortunately just after my company was added as eligible to the tool, Fedloan made the decision that I not only was not qualified but did not work at a nonprofit. 

I work at a small nonprofit XXXX ( B ) which can be found on the Texas XXXX XXXX website. I have sacrificed earned income to work for a company in which I have a great deal of faith for the quality of care that we can provide rather than a corporate for-profit medical association. 

I have spent about as many hours as it would take to actually earn the money which I owe simply trying to get my loans approved for forgiveness under the new waiver which was approved by federal law.
Consumer complaint received 2018-10-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (FL)

Selling on my house located in XXXX XXXX, fl with Plaza Home Mortgage being my lender. In 2018, my house went under forbearance due to Hurricane Irma. We began replaying on out mortgage working with their loss mitigation department in XX/XX/2018. So far in 2018 we have paid a total of {$21000.00}. On XX/XX/2018 we closed on selling our property with a principle balance of {$470000.00}. The mortgage company charged us {$20000.00} in interest for the year of XX/XX/2018 stating that we have not paid since XX/XX/2018 when actually i have statements showing my payments from my bank. I have spoken with them multiple times on the phone to be basically told that I did not know what i was talking about and that this was what was owed to them when the math does not add up based on the interest. since XX/XX/2018 a total of {$500000.00} was given to Plaza Home Mortgage.
Consumer complaint received 2018-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

This has been our primary home since XXXX and were up to date with our mortgage company ( LOAN DEPOT ) up to huricane Irma. We are a miltary family with girls under the age of XXXX. 

We contacted loan depot after the huricane and they offered us the option of a disaster modification. I was told that our interest rate would not change since this was a VA loan. After making our trial period payments for {$820.00} for 3 month, they accepted the disaster modification. They sent me the final paper work to have notized however I noticed that the interest rate was increased and we called Loan Depot for an explanation. I was not given an clear explanation by the rep and was told to sign the documents. I asked for a supervisor and the rep noted in the account that I did not want to proceed with the modification which was not true. After finally speaking to a supervior I was told that the rep gave me the wrong information regarding the interest rate. 

I was unable to get the documents notarized because the documents had my maiden name and the notary could not sign them. I notified Loan depot and I was told they would send me a new packet which I did not receive. Instead I received a letter denying the modifcation because they did not receive the notized docs back by the deadline. They are not allowing me to make a partial payment only a payment in full. 

I filed an appeal since I could not sign the documents they had mail me and provided them with support documents ( marriage certificate and appeal letter ).  Today XX/XX/XXXX I was told our appeal was denied. I am filing this complaint because due to the lack of attention to our case this is affecting us and they have denied to reopen my case for the disaster modification. This error by loan depot caused me not to be able to have them notarized.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (MI)

I disputed a collection with XXXX  several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I was really surprised when reviewing my credit report because I saw a late payment on XX/XX/2016. I don't know how this has happened. I make my payments to you whenever I get my statements. The only thing I can think of is that the statement must not have gotten to me.
Consumer complaint received 2022-03-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2018-10-24
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Someone tried to get a car loan under my name without my permission and knowledge. I field a police report with XXXX Police Department and Federal Trade Commission and sent these documents to the Credit reporting agencies : XXXX, XXXX, XXXX asking to block and remove fraudulent account. The credit reporting agencies removed the fraudulent account ( Wells Fargo Dealer Services-account no : XXXX ) from my credit report. But recently I have checked my credit and discovered that XXXX credit reporting agency reinserted the Wells Fargo Dealer Services fraudulent account back to my credit. I contacted with them but they refused to help me to resolve the problem.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/2018 a purchase was made on XXXX using my debit card for {$350.00} dollars. I did not make this purchase, so immediately I go to my local bank and cancel my card. Then, I message the seller on XXXX telling them I did not make this purchase, I have cancelled my card, and please do not ship this product out. To my dismay there are several bogus messages to the seller prior to the purchase. Yet I never got a response back from the seller. When I went to my local Arvest Bank they assured me these kind of scam happen often, to file a dispute and in a few weeks I would get my money back. A few weeks after the " purchase '', I got a large envelope from the seller with nothing in it. I report this to my bank. Within this time frame they refund me the {$350.00} dollars. Thinking this situation was all over I throw the package away. Later, I get a statement in the mail saying my dispute was denied and the money would be taken back out of my account. I currently did not have an entire {$350.00} dollars in my account, as I am a XXXX XXXX XXXX XXXX XXXX   with XXXX children. This certainly put me in a lot of financial distress, because my monthly budget is very limited and when they took this money out my account went into a negative balance. I contact Arvest Bank again and file another dispute. As well as contacting XXXX, and XXXX, who flag the transaction as suspicious activity. However, they inform me that it is my institutions responsibility to contact the seller, and solve the issue. After three disputes being denied with the reason being " customer had possession of card '', I have become completely frustrated. Today, on the rare chance that I had a day off from school I decided to tackle the problem and hopefully get it officially resolved so I can start using my bank account again. The Arvest representative tells me my account was closed yesterday, due to insufficient funds! These insufficient funds are due to this money being taken back out! I ask to speak to manager and the manager advises me that once an account is closed there is nothing they can do about it. Mind you I have given Arvest bank all my emails to the seller, from XXXX  stating there is suspicious activity, and been in communication with them about the situation since the fraudulent transaction. Since the account was closed yesterday, they now tell me there is nothing they can do. Never have I filed any bank disputes, why is this process of disputing fraudulent charges so stressful? I thought the purpose of your bank is to protect your money? Arvest bank has failed at this and been incredibly unhelpful, and do not seem to care about finding a solution to this problem. How is it I am expected to pay them {$350.00} I did not spend, after trying to prove to them over and over that this was fraud? Would you pay back {$350.00} dollars you did not spend? I am highly disappointed with the way this bank conducts business.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them.

2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature.

3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ).

Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act.

This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I applied for a Loan Modification from Select Portfolio Servicing and submitted all requested before the end of XX/XX/2018.As soon as this was done I started to get calls from investors requesting to purchase my house.The only ones with knowledge of this phone number are my XXXX  brothers and Select Portfolio Servicing. When I brought this to SPS attention I was told that my case was closed because of failure to set up an inside XXXX.No one from SPS ever requested any XXXX from me.SPS told me I should be, home on XX/XX/2018 for this XXXX. On XX/XX/2018 no one came to do a BPO so I called the XXXX company who sent me an email saying that XXXX has cancelled the XXXX. I called SPS who confirmed that the XXXX was cancelled without informing me.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Upon looking over my credit report I was really surprised when I saw a late payment from XXXX of 2017. 
I honestly don't even know how this could have happened, since I always make my payments to you when I get the statements. The only thing I can think of is that the statement must have gotten lost in the mail.