davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX MIDLAND FUNDING XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Equifax has wrong information on my credit I have disputed it and no positive outcome. Equifax has me locked I cant get credit with XXXX XXXX because when dish network runs my credit it asked to give questions and they push yes to the answer and the system says unable to verify consumers identity please try again in 24 hours and this has been going on since XX/XX/2019
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (AZ)

This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX  & XXXX  credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

YOUR COMPLAINT I already have filed one claim regarding the XXXX XXXX Scam that I was a victim of in XX/XX/XXXX/XX/XX/XXXX where I wired money to people that I thought I knew from a dating website. 
On XX/XX/XXXX I wired funds in amount of {$12000.00} from my personal banking account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, phone ( XXXX ) XXXX, to Wells Fargo Bank, XXXX XXXX, Account : XXXX in XXXX, Pennsylvania. Little did I know before hand that this wire was ultimately going to XXXX and Wells Fargo stopped it before this lady could send it out to XXXX. Thus Wells Fargo has been holding this {$12000.00} until now waiting for my XXXX XXXX XXXX to send them a Letter of Indemnity to release the funds back to my account. My XXXX XXXX XXXX is refusing to do this due to liability. I have been with this credit union since XX/XX/XXXX and they know who I am and should know that I was a victim in all of this. I am now close to XXXX years of age and can get no one to help me get this money back into my account. Please advise me as to what I can do on my end to get this done. Thank you so much in advance for any help that you can give me. 

Please see the attached correspondence regarding this issue as of XX/XX/XXXX. It will help you understand more the timeline and see that I was instructed to file complaint against Wells Fargo and not the XXXX XXXX XXXX.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i XXXX I, had two credit cards with capital one which were both closed due to the neglicence of XXXX XXXX and there reversal of a balance transfer that happened in XXXX and was reversed on without mine or my father in laws consent and was XX/XX/XXXX in the amount of XXXX XXXX on my XXXXXXXX XXXX  that i relay on to run my business and get the proper equipment and saftey materials for my techniacians. with this said i kept capital one in the loop the whole time sending mutiple faxes of updates and a signed letter stating what they were doing to XXXX institutions with out any consent and they should not exknowledge their claim for money back as all it did was result in two instiutions stating i owe them money as capital one sent it back to XXXX and XXXX claimed they didnt get it which then finally received it and then when asked to send it back to capital one they did not and i still did my due diligence and kept capital one updated and told them that this was a bank error with supporting documentation and that i will get them there money back regardless if i had to sue XXXX  because XXXX  still tried to collect money they reciveied from capital one from me and capital one telling me i owe them. with all the documentation and issues with XXXX it is their sole responbility to fix this error pay them and capital one has no right to close the account as it was a bank error and they told me it was closed due to the B/T reversal which they thought i did and i supplied them with the documentation stating we did not and the letters stating that they withdrew the disputes done in error but they didnt and went back and worth stating it was it was withdrawn to no one is responible to we owe both them and capital one and it is unfair for capital one to close my credit line that had a XXXX dollar balance piror to this incident and i have never missed a payment even as i was going through identity theft loosing XXXX XXXX and to this day still fighting to recover my funds. what capital one did was ruin a huge factor in building my company and growing it larger and producing for money instead they ruined my credit and said i owed them money with intrest and a closed account on top of that which hurt so bad i had lost so much money in business and emoloyees unable to hire and my XXXX XXXX XXXX XXXX  is getting hard to provide for and this is ashame not on XXXX for closing my accout fully but on both parties for there actions when i did everything in my power on top of my due diligence to keep them updated and aware every day of the circustances with documentation.
Consumer complaint received 2015-10-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XXXX. I am now XXXX retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only XXXX credit reorting agency. I was also informed that the loan has since been sold to Navient ( whom this complaint is being filed against ) but is being serviced by XXXX XXXX. I contacted XXXX XXXX to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

To whom it May concern, I received the medical services from XXXX of XXXX XXXX, when I finish the procedure that same day I ask them if I have to pay any deductible to what they answer that they have to process the service with my health insurance first, I never received a letter from of XXXX of XXXX XXXX or phone call either, I realize that I owe you money because a collector agency ONLINE COLLECTIONS GRVL reports the account to my credit under collection damaged my credit and I am in the process of buying a house for my Family, I need help to solve this problem because I understand that they had to communicate with me first, I have never refused to pay a debt. 

Thanks.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

Follow up to CFPB Complaint XXXX US Bank made a response however they still can not provide wet ink documents showing that when the loan began that I would be charged {$5.00} per payment made after the 3rd day of the month using the USBANK website to make payments. 

This is a violation of Regulatory Violation of the Responsible Servicing Regulation. US Bank failed to provide me with all charges that are associated with making payments via the online US BANK website when the loan was orginated. Nothing in my documents that I recieved from US BANK at the loan orgianation indicated that I would be charged {$5.00} per month for payments made after the 3rd of the month. 

US Bank states that the fee is only happens if I make the payment after the 3rd of the month or if I don't use a US BANK branch or have a checking account w/US Bank to make the payment. However regardless to what is now verbally stated at no time did US BANK disclose this fee at the loan origanation. 

Futhermore, when I contacted US BANK for a status update on XX/XX/19 I was advised fist by Phone agent XXXX that the bank refunded were for Internet Fee 's for 4 months, however the letter from US BANK dated XX/XX/19 states the refund or reimbursement amount is for Stop Payment and/or OVerdraft Fee 's which I incurred. This of course is false and was never an issue. XXXX transfered me to XXXX XXXX who stated the same as XXXX, I was then transfered to a Supervisor who spoke to me and was adamit the remibursement was for the above stated reason. Finally the supervisor transfered me to XXXX in Customer Advocey ( XXXX ). 

XXXX stated the reimbursement dated XX/XX/19 was for in fact the reason listed above and NOT internet charge fee 's for month 's as XXXX stated in her response letter. She said that on XX/XX/19 no further information was ready from Customer Advocey and that I would respond later.

Clearly this shows that US BANK is well organized hence these erroneous charges of {$5.00} to make an online payment need to be refunded. As stated in my orginal complaint I am seeking 100 % reimbursement of these fee 's since the inception of my first online payment to US BANK. As well interest and the cost of my lost time dealing with this issue.
Consumer complaint received 2021-02-18
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 (NY)

I am writing to you in regards to my account with Capital one Account # XXXX Due to XXXX I had fallen on hard times and was unable to make those payments. As soon as I was able I got this account paid off.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was denied an account with a credit union because of the number of different names attached to my credit report file with XXXX. 

XXXX has a number of different spellings and variations of my name and XXXX totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled XXXX XXXX XXXX.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I previously made a complaint about this servicer about a unscrupulous charge I have had this mortgage for several years without issue with several other servicers I have used the same bank to make automatic payments without issue I now get this new mortgage servicer and its been nothing but problems XX/XX/2023 I received a phone call from XXXX  about a " lost payment " on loan # XXXX I was told by manager XXXX that he was " warning me " that if I want them to look for the payment I would need to go to their website and fill out forms My previous payment before the complaint was processed with no issue. 
I gave the check number # XXXX tracking information, dates this was electronically processed through my credit union this was not enough I absolutely believe that this level of difficulty is due to the fact I wrote a complaint about them They are now trying to create situation of confusion and issues where there are none the servicers sole responsibility it to process payment I gave them the same information over the phone as I am submitting here today
Consumer complaint received 2019-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Credit score dropped XXXX points for no reason, called EQUIFAX ( non issue with the other two credit score companies ), who this issue is with, could not actually talk to anyone in detail since they can never actually confirm who I was even though I provided all info they requested and it is correct.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I am a XXXX  XXXX in California at a low income XXXX XXXX. I learned in XX/XX/XXXX that I may qualify for the XXXX loan forgiveness program. I applied for the forgiveness program through my lender, Nelnet and my lender told me that my XXXX had not yet reached the 5-consecutive years for me to qualify. My lender then informed me about forbearance I could apply for. They also told me that interest would continue to accrue, however, since the forgiveness amount ( up to {$17000.00} ) far exceeded my current balance ( close to {$9000.00} ), this was a reasonable option for me since I would be able to fully qualify in XX/XX/XXXX. So, I applied for forbearance in XX/XX/XXXX and XX/XX/XXXX and was approved by Nelnet. This year I applied again, however, this time I was denied. Nelnet informed me that since I had an outstanding student loan before XX/XX/XXXX, I did not qualify for the XXXX loan forgiveness loan. The loan I was seeking to have forgiven was established in XX/XX/XXXX and was for my XXXX degree. The loan from XX/XX/XXXX was for my XXXX degree and was paid off long before I took out the XX/XX/XXXX loan. Nelnet then informed me that it was their mistake for allowing the forbearance for the past two years. I then complained saying that interest has been accruing and at this point I would have had only 2 years left on my note. Now I have 4 years plus additional interest due to the forbearance causing my monthly payment to be {$50.00} more than it was back in XX/XX/XXXX. When I asked the Nelnet advisor how they planned to monetarily fix their mistake, they said there was nothing they could do. The only action available to me was for the Nelnet advisor to type up a formal complaint. This discussion took place on XX/XX/XXXX. Is there any further action I can take to remedy to additional interest that was added to my account? 

The two screenshots I attached shows how the balance has changed due to the interest.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (MO)

The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called XXXX XXXX in the amount of {$950.00} opened on XX/XX/2018 without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX is the originator of the complaint and the alleged debt.
Consumer complaint received 2019-04-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an updated copy of my XXXX credit report which shown a hard inquiry from Bank of America on XX/XX/2018 which I did not authorize. Bank of America has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX   report
Consumer complaint received 2023-01-17
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. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I attempted several times to transfer funds from an external account to my USAA checking account to cover bills. They all went through with the exception of one for {$200.00}. When I checked, the external account balance was lower than expected and it was lower than the requested transfer amount. I fixed it and submitted a new transfer request. This time, however, it said the amount requested was for more than the approved amount ( Approved amount in red lettering was {$0.00} ). Since it was a federal holiday I figured it was probably a temporary issue. When I tried again in the following days I received the same error message. I then contacted USAA bank and they explained that because of the 1 failed money transfer I was no longer permitted to transfer from an external account. Please note : At this point in time I had accrued a total of 3 NSF fees, and they removed one as a courtesy. Customer service representative said that this would bring me to the " courtesy maximum three NSF fees removals per 12 months '' rule. I again said, if it were not for the bank not allowing me to transfer money due to 1 single failed transfer attempt, an unnecessarily harse penalty, the bills would be paid. The CSR apologized but did not offer more.

In the following week I directly transferred money from my other account but it takes 3- 5 business days to complete the transfer of funds this way, instead of instantaneously like I had become accustomed. In that short time period I RACKED UP a plethora of NSF fees. Without exaggeration, probably equal to or more than I've had in my entire 35 years of banking. I find this extremely punitive and unnecessary. I am unemployed at the moment and this hurts me terribly. 
The date it all started was XX/XX/2022 with one - {$5.00} returned item fee. Then on XX/XX/2022 I received 2 - {$5.00} returned item fees. Probably my fault at this point. Then on XX/XX/XXXX, I received the first of many NSF fee of - {$29.00}. 
On XX/XX/2022 the failed external transfer I mentioned earlier for {$200.00} was returned and I received a - {$5.00} returned item fee. XX/XX/2022 I received 2 more NSF fees each for - {$29.00}. Around this date is when I called customer service and they did grant me the courtesy NSF fee + {$29.00}. 
Then on XX/XX/2022 I received XXXX NSF fees ( - {$87.00} ), XX/XX/2022 XXXX NSF fee ( - {$58.00} ), and XX/XX/2022 XXXX NSF fee ( - {$29.00} ). XX/XX/2022 I received another 3 NSF fees ( - {$87.00} ), on XX/XX/2022 another 3 NSF fees ( - {$87.00} ). 
This is current as of XX/XX/2022. 
Although attempting to get ahead of this, it has unfairly snowballed into a something unmanageable except by intervention by the bank, which they have shown no motivation to do.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

My card was stolen and used I notify the credit card company as soon as I realized what it happened and we started the process it's been a back-and-forth but I have sent the filled out paperwork to them multiple times at this point in each time they come up with a different excuse why they can't help they have a legal obligation to investigate and remove the fraudulent charges from my account they have failed to do that in violation of the law