davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am on XXXX XXXX XXXX. Approximately XX/XX/XXXX I was having some medical problems and got behind on my credit card pymts to Capital One Credit Card. My husband switched jobs in XX/XX/XXXX & he did not receive a pay check until the middle of XX/XX/XXXX & that was only for 1 week. We were then behind on our other bills. Capital One was informed that I was on XXXX XXXX XXXX and could not pay my full pymts. I did advise them that I could pay approximately {$25.00} per month. I was advised by Capital One that they do not have a plan for me to pay {$25.00} per month. Capital One wanted me to pay {$75.00} to {$80.00} per month. I advised I could not pay that. Then Capital One said they would note the acct that I refused to pay my bill. I did not refuse to pay my bill. I refused to pay {$75.00} to {$80.00} per month. I get numerous phone calls daily from Capital One. Now Capital One has turned my account to a collection agency, XXXX XXXX XXXX. I have been informed that Credit card balances are not collectable from XXXX XXXX XXXX, however, Capital One says they are. Now I am going to be harassed by XXXX XXXX, XXXX Collections and possibly sued because Capital One refused to work with me on pymts. I have not made any pymts since Capital One refused {$25.00} per month. I am XXXX and I explained to Capital One that their harassment only makes my conditions worse. I don't know what to do at this point but I need the harassment to stop. Capital One employees are rude and don't care. I am still behind on some of my other credit cards as well but the other Credit Card companies are willing to work with me because they understand they can not collect on XXXX XXXX XXXX. Please help.
Consumer complaint received 2018-04-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I  received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX. 

XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (GA)

CEASE AND DESIST XXXX Pursuant to 15 USC 1692c . ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Do not close my account ( s ) without my authorized permission. 
Do not seize or attempt to seize anything in my possession. 
XXXX out the balance on this account. 



Best regards, XXXX : XXXX
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX. However, this is a bill that should have been submitted to my Medical Insurance Company. As a preferred in network provider this XXXX XXXX  should have been covered as all routine XXXX XXXX is covered by my insurance. I was not notified that I had a potential outstanding invoice being sent to a collection agency.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Removal date : XXXX XXXX, XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NC)

Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Over the past year Citizens Bank has charged me more than {$20000.00} in fees. They have repeatedly let charges go through and post to my account that shouldn't have been allowed to post to my account. I have an overdraft plan tied to the money I have in my savings account. Anytime my account gets overdrafted beyond what I have in my savings account it is supposed to be rejected at the point of sale or when it's a recurring payment. It's flat-out supposed to be rejected according to the literature that they provided me with. They have repeatedly that charges go through that shouldn't have gone through past what I have in my savings account and they have repeatedly charged me four or five fees for the same item. They have repeated you that other companies try to charged me again for a returned item and then charge me fees on top of that when they've already charged me an overdraft fee and then a return item fee for the same item. They have charged me more than I've ever had in my account. they have charged me more money than I've spent on myself because they have taken all my money. I have repeatedly complained about this issue to Citizens Bank and have been denied any redress repeatedly with them and I've had it. This past month they have let my account go to negative {$1000.00} once and now I'm at negative {$820.00} when they've let the same item try to be reposted over and over and over again after charging me a returned item fee and an overdraft fee on said item. They are basically letting me borrow money at the rate of 2000 % interest. This is not the first problem of this nature that I've had with them. They also repeatedly let larger items post first and then smaller items follow in order to maximize their fees when they know an account is going to overdraft. The same thing they got in trouble for before is going on now. I can make free {$5.00} purchases today and then tomorrow make a {$30.00} purchase with {$40.00} in my account and the {$30.00} purchase would post and clear first. Again and again this has happened and again and again I've been charged fees three or four times for said item when I should have never been charged for that item because it should have been denied.
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Fraud - I have a checking account with Wells Fargo that was fraudulently misused. I noticed a debit for {$200.00} from the ATM, {$1.00} for a " XXXX XXXX '', and {$60.00} from a XXXX XXXX  XX/XX/2020, that was not mine. There was another {$100.00} removed from a linked account ( my son 's account ). I called the bank the next day, XX/XX/2020. They said they would investigate. According to the bank, someone ordered a new card on the XXXX of XXXX, 2020. They had that card mailed to a different address than mine. The purchases were made with that. I reported the money as fraudulent within hours of the fraud yet Wells Fargo said I am responsible for the lost and denied my claim.
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Company has not validated this debt. I have been communicating with this company about this account for months now and all I have received is the same print out statements. I requested validation docs for personal information, signature of services rendered and contracts of any kind giving them the right to take payment from me and they have failed to send me all of this! This account keeps getting verified with the credit bureaus and I'm not understanding how this keeps happening.
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX  While Extension Was GRANTED. 
I Did A Dispute w/Experian, XXXX + XXXX. 
Experian Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXX XXXX  XXXX 30 Day Marking XXXX XXXX  I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are things on my credit report that are violations of the FCRA, and I request that they be removed as soon as possible because they are infringing on my rights as a consumer. My privacy has been invaded, and my reputation has been slandered. With no permission its Identity theft!
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (SC)

PNC Bank. They add ghost fees and make it extremely difficult to use, " your own money. '' Now on top of the fee that they take out of my account, to use my money for their own investments, I have to go through all sorts of loops to be able to invest myself. 

They have no problem putting fees on time-sensitive services, such as ; to have a check available immediately through mobile deposit, you can pay a ridiculous amount. Or you are stuck waiting 2-3 days to have accessible funds. Keep in mind, I have been with this bank for over 12 years. 

Why else do you think crypto or decentralized money is so popular among young people? We are tired of being taken advantage of and having no other options. Now, we are seeing more options - but still have many issues with directly investing. Big banks better find some compassion, fast. Or you will get left behind by our generation.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards to a closed complaint ( XXXX ). The previous complaint is not resolved, Bank of America is supporting fraudulent businesses and putting financial burden on small business. 

While the above mentioned complaint was being investigated, I stopped using my Credit Card. On XX/XX/2018, one merchant who originally charged my account gave me a credit of - {$490.00} while charging {$380.00}. The rep who was working on my original case agreed that these are fraudulent charges and my card has been compromised. To note, after the first fraudulent charges were reported Bank of America replaced my card with a new one that has a new account number. The rep suggested my to call fraud prevention to report these activities. I called the number on the back of my card and reported the transactions in question, the fraud prevention rep was not clear but said these charges were either made by the merchant or bank transferred those charges from old card to new card. I do not have a clear answer on this yet, it has been over 8 days and the charges are still in my account. 
So the questions are, while bank of america replaced old card with new one then how merchant got access to the new card to post those charges? Why bank is transferring charges from old card from new card TWICE? 

Bank of America is not being honest and putting burden on small business.
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, XXXX + Transunion. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
Transunion 30 Day Marking XXXX XXXX XXXX 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to dispute the presence of unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered inquiries that were not initiated or authorized by me. These unauthorized inquiries are unrelated to my financial activities and should not be associated with my credit history.
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

As of the date of this letter you and and have violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

Please answer the following questions. 1st, did Ocwen attorney provide a Deed of Trust agreement with XXXX XXXX XXXX, a modification agreement between XXXX XXXX XXXX, an assignment of Deed of Trust to XXXX XXXX XXXX and a full reconveyance by XXXX on behalf of XXXX XXXX XXXX with the response letter? Yes or No! 2nd, since Ocwen is a member of XXXX, where does it state within XXXX rules of membership that investors give XXXX  full authority to sell or transfer an asset without the current investors knowledge or approval? Please provide documentation! 

On XX/XX/XXXX, we sent Ocwen Loan Servicing a certified letter # XXXX requesting information for our home mortgage. Ocwen forward this letter to there attorney, XXXX XXXX from XXXX XXXX law firm here in XXXX XXXX Nevada. Ocwen/the attorney provided a letter with the following documents, the Deed of Trust with XXXX XXXX XXXX dated XX/XX/XXXX, a modification agreement with XXXX XXXX XXXX dated XX/XX/XXXX, an assignment of Deed of trust from XXXX XXXX to XXXX XXXX XXXX and a substitution of trustee, full reconveyance from XXXX XXXX XXXX on behalf of XXXX XXXX DBA XXXX XXXX XXXX, instrument # XXXX. Now, in the letter, I asked Ocwen two questions, the attorney responded to question 1 but failed to answer question 2, why? I asked Ocwen on question 2, where does it state within XXXX rules of membership that investors give XXXX full authority to sell or transfer an asset without the current investors knowledge or approval? Now, we request the following questions to be answered by Ocwen. Ocwen must provide the answers to our questions to their attorney so they can respond. 
Documentation is provided within the documents section. Note : Federal and State agencies can request a printed version of XXXX rules of membership from us or go to XXXX website at XXXX of membership to view XXXX investor requirements.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PA)

XXXX XXXX, a for-profit school, filed bankruptcy and closed while I was attending. As a result, I was approved by the Department of Education to have my loans discharged. I tried disputing to get these negative loans reported by Navient off of my credit reports, but Navient keeps verifying them as accurate. I sent a letter directly to Navient with a copy of my discharge approval letter from the Department of Education and they have not responded nor have they removed these erroneous loans from my credit reports. 

I am very upset to find that Navient has not requested the removal of these loans due to its damaging effects on my good credit standing. I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2018-04-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

21st mortgage sent letter not certified stating they will offer is XXXX to move in 10 days from XX/XX/XXXX letter rec on XX/XX/XXXX. Balance owed one payment of XXXX and upcoming payment will be paid in XX/XX/XXXX. First payment of XXXX will be rec on XXXX next payment including late fee will be rec on XX/XX/XXXX, we believe we owe less be used we were told the escrow payment account was overpaid by XXXX and would be applied to the account meaning XX/XX/XXXX payment should be XXXX and XX/XX/XXXX payment is going up to XXXX. There are only two items paid out of escrow insurance which is XXXX a year which we paid up front the first year they paid out of escrow this year. Last year no property tax payment new property tax XXXX they continue to pad the escrow without applying the overage to the account and now are saying we are way behind acct number XXXX
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (CA)

Opened XXXX  checking and savings account on XX/XX/22. Met requirements for {$250.00} Bonus for opening an account ( XXXX deposits of at least {$1000.00} within 90 days of opening account ). XXXX deposits submitted on following dates below from government benefits ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/22 {$1000.00} XX/XX/22 {$2000.00} XX/XX/22 {$1000.00} Offer states {$250.00} USD will be credited to savings account within 45 days of meeting promotion requirements. Its been greater than 90 days. Ive contacted XXXX multiple times and was unsuccessful in getting this matter resolved. Last outreach made on XX/XX/22 with XXXX representative ( XXXX ). Please see complete terms advertised by XXXX below. 

For a limited time, you can earn $ XXXX when you have XXXX payroll direct deposits of at least {$1000.00} into your Spend Balance. Start Today! 

*Disclosure : Receive {$250.00} when you set up direct deposit to your Spend XXXX and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within 90 days of opening your XXXX XXXX. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your Save Balance within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive.