davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (NY)

My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (HI)

On XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I noticed there was incomplete and inaccurate information reported to my credit report I requested proof or verification corresponding to the accuracy and compliance regarding this account and that all information reported is complete and accurate. 
I sent all of the documents attached certified mail, with visible dates and tracking number visible ( XX/XX/2024 ) XXXX XXXX XXXX XXXX XXXX as well as NOTARIZED, coupled with supporting documentation. If letters were sent NOTARIZED it could only be me who sent the letter, in their attempts to dismiss my request they claim they have not taken any action on my alleged request. This request is in fact not alleged but legitimate and my right as a consumer and this is simply a stall tactic.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I Checked my credit report and seen this debt on there. They never reached out to me or notified me of the debt i tried to contact company its in collections and now this negative impact is stopping me from getting a mortgage because of this. A Hospital bill that I'm not even aware of.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Grand American Resources, Inc (MN)

I told the deck collector named XXXX that I was not currently working and would n't be able to make payment until XXXX he asked me how I was paying my current bills I said that my fianc was because I have been out of work because of my XXXX he then proceeded to say I guess that this dad is n't that important to you we will have to take the next steps. Thanks person that suffers from XXXX this call has extremely upset me and has caused a lot of XXXX when I ask him more questions he told me not to contact him and hung up on me and refused to tell me certain things about this company.
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hiday & Ricke, P.A. (VA)

Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Total Card, Inc. (OR)

I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
Consumer complaint received 2024-01-27
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. (MI)

XXXX XXXX XXXX continue to allege I owe a debt. I can not be indebted to XXXX XXXX XXXX when I never signed an agreement nor was there a contract. Transfer of contract does not mean contract of rights furthermore I have exclusive equity in my financial asset. If I am indebted I demand the equitable interest be applied to the balance and any overpayment be refunded. I can not be more liable or damaged than XXXX XXXX XXXX. 

equity Primary tabs In law, the term " equity '' refers to a particular set of remedies and associated procedures involved with civil law. These equitable doctrines and procedures are distinguished from " legal '' ones. While legal remedies typically involve monetary damages, equitable relief typically refers to injunctions, specific performance, or vacatur. A court will usually award equitable remedies when a legal remedy is insufficient or inadequate. For example, courts will generally award equitable relief for a claim which involves a particular or unique piece of real estate, or if the plaintiff requests specific performance. 

Origin The distinction arose in XXXX where there were separate courts of law and courts of equity. Following this pattern in America, some states created chancery courts which deal only with equitable relief. In other states, the courts of common law were empowered to exercise equity jurisdiction. Today, separate courts of chancery have largely been abolished, as the same court that may fashion a legal remedy has the power to prescribe an equitable one. 

Expansion of Equitable Relief Courts are sometimes hesitant to impose equitable relief, particularly specific performance. This is because equitable remedies often require the courts to monitor the remedies to make sure that the defendant complies with the court order. However, the Supreme Court has been willing to encourage the use of equitable remedies in certain areas of law ; see XXXX XXXX v. XXXX et al., 563 U.S. 421 ( 2011 ). 

ERISA In XXXX XXXX XXXX XXXX Supreme Court held that for violations of ERISA, the aggrieved party XXXX be entitled to " obtain other appropriate equitable relief '' in addition to legal remedies. In XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 577 U.S. ( 2016 ), the Supreme Court narrowed the scope of equitable remedies for ERISA violations. In XXXX, the Court held that a party claiming equitable relief under ERISA is limited to the relief typically available in equity. As applied to ERISA, equitable relief will not extend to a plaintiff enforcing an " equitable lien against the defendant 's general assets. '' Further Reading XXXX XXXX XXXX XXXX A Treatise on Equity Jurisprudence : As Administered in the United States of America : Adapted for All the States and to the Union of Legal and Equitable Remedies Under the Reformed Procedure is generally viewed as an authoritative source on equitable remedies in the United States.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted USAA and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA and XXXX XXXX have failed to do either.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I am a customer of PayPal. I had my PayPal account linked to the XXXX account to receive payments. From XXXX XXXX I had received the amount of {$1300.00} from XXXX into my PayPal account. When the funds had been received, PayPal shut down my account citing " User Agreement Violation '' and has put the funds on a 180-day hold. I have since tried calling and emailing PayPal but the only answer I was given was to visit their legal department in person, in XXXX XXXX California. They have been holding my money for several months without citing and specific reasons as to why.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a XXXX Cancellation of Debt from Wells Fargo with regards to credit card account XXXX - Cancelling a purported $ XXXX.- I filed my tax returns and added that amount to my income for tax year XX/XX/XXXX as advised by my accountant, and thus ended up having to AMEND my tax returns and incurred a tax liability greater than normal due to the extra income being reported through this XXXX. 
My grievance, to which I 've communicated in writing to Wells Fargo and the XXXX Major Credit Reporting agencies is that they continue to report a past due balance on my credit report even after I 've given proof of the XXXX that clearly shows the debt has been cancelled. Therefore NO BALANCE should be reporting. 

I have done research on the topic and would like to advise both the CFPB and WELLS FARGO that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( Bankr. Ct. XXXX XXXX XX/XX/XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX Dist. Ct. XX/XX/XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Super. Ct. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I opened a Checking account wit h Capital One  on  XXXX . I deposited  XXXX  money orders in an ATM in the next several days and used the funds to make payments on a couple of my credit cards.     Capital One put a hold, not on the funds, but on my account itself, so that I could n't even deposit more money. They did not inform me of this. I ca n't even access my account to see what 's happening.     When I tried to make a deposit on  XXXX , I was informed of this and was given a number to call. It turned out to be the fraud department, and  XXXX  asked me a couple of questions, which I answered. He then said that an investigator would be calling me.     When I called back on  XXXX , I was told that  XXXX  's notes said that I refused to answer questions about the money orders, which is 100 % not true, and that he suspected them of being counterfeit. There were also notes from an investigator named  XXXX  that he had tried to call me and I had hung up on him! Also false.     I purchased the money orders myself from  XXXX  and  XXXX  and have the receipts, so I know that they are not counterfeit and have the receipts to prove it. But no one a t Capital One care s about me, or the fact that they are holding {$1700.00} of my money, or the fact that I am now in trouble with  XXXX   XXXX  and  XXXX  Card for returned payments.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8300.00}.
Consumer complaint received 2022-02-15
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. (LA)

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, XXXX and Experian ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nationwide Debt Management Solutions, LLC (GA)

Nationwide Debt Management Solutions ( Rep. XXXX ) contacted my job and spoke to A Supervisor about a personal debt I owed and proceeded to insult my Supervisor as she was the one who owed the debt accused my Supervisor of covering for me and told her she was n't professional for doing so and preceded to ask to speak to the Manager about my personal circumstances. Ask the supervisor for my personal information. My supervisor explained she was n't able to give out associates personal information and she kept insulting her and kept harassing my dept. supervisor for a total of 10 to 15 minutes.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (CA)

I have been called several times by XXXX XXXX with Williams Fudge Inc. - phone XXXX, regarding a debt that is not mine. 

I have told her this XXXX times and asked to be removed from the call list. 

On XXXX, she called me again and ALSO called my wife about the debt I did not owe.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete fraud alerts and extended fraud alerts from all three bureaus TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MI)

The XXXX XXXX. Trying to collect XXXX for carpet damage. They already kept my {$400.00} deposit. I lived there ( XXXX XXXX  XXXX XXXX XXXX XXXX ) for XXXX  years which carpet should be replaced. 
Most all apartments would replace this after someone lives there for this many years. 
Deposits are made to cover damages. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I have a lien release from the State of California. XXXX has reported it as " released '' for years. Equifax refuses to indicate " release '' on my report. I have tried contacting them directly and get nothing but a runaround. This is my last stop before I hire an attorney.
Consumer complaint received 2024-03-14
Product: Credit 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: DISCOVER BANK (CA)

Fraudulent charges were made on my Discover credit card, without my knowledge or authorization starting XX/XX/year>. I did not notice the fraudulent charges on the account until I went to view the balance and make a payment for previous charges made by me on the account in roughly XX/XX/year>. In this period of time between when the fraud started and when I reported that fraud and when the charges initially started, I did not get any email notifications of the large spending amounts for these charges, despite them being activated on my account via email or otherwise. No attempts were made to flag or review these charges as they were being made. The charges in total are roughly {$6100.00} Once I reported the fraud in XX/XX/year> they eventually claim the charges were valid for the following reasons : I paid on the account for my charges to keep it current I waited to report the fraud ( this is not my everyday card, so I do not review the balance unless I use it or get some alert ) I logged in ( I logged it to make payments on the account, after the fraud started and this is when I noticed ) The suspect has not responded They attempted to contact the detectives assigned to my case but they are slow to respond due to staffing Many charges for airbnb were made on my account using my phone that was stolen while I was out of the country. I was away for the period of XXXX so I did not have access to anything. Charges were also made on my card for rent with rental company XXXX management based in New York. I reside in XXXX XXXX, and provided proof of my ledger, lease, rent amount, and payment history, as well as the company that manages the apartment that I lived at, at that time. I included ample documentation of where I was, reported the incident to the police, proof of my airbnb accounts which I have not used in years, I have also included my identity theft report with the FTC as this was an issue that spanned across many accounts. Similarly, I provided a receipt of the replacement of my cell phone, which they requested and proof that all other accounts affected had to be replaced, such as my XXXX credit card and my wells fargo bank accounts. I provided proof of my flight back to the states paid for by my cousin in XXXX, since I was stranded with no accounts or phone. I also provided proof that I was out of the country once the fraud began. 

Since they have been investigating, I have been responsible for the charges and the accrued interest on my account, which violates the rules and regulations associates with the FTC, which they are bound by. 

I also informed discover that I was not in possession of my card, at the start of all of this.