davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

The credit reporting agency is utilizing a third party furnisher of information to verify the Discharged Chapter XXXX Bankruptcy. They just admitted by the response that they are in direct violation of the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' We request the following : XXXX The name of the courthouse ; XXXX the person 's name they verified the dispute with ; XXXX the address XXXX the telephone number ; and XXXX XXXX XXXX the documentation used to verify the dispute. 
Credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The XXXX Court IS the furnisher of information, not a third party source as used here. We are ready to file a lawsuit against Experian if they do not comply with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

PayPal pay here restricted my account after I made {$16000.00} in sales then close my account claiming I owe {$6000.00} for the account when my revenue of business was {$16000.00} which I never saw a XXXX of which goes against their own time to service which I know that my transactions were insured
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Capital One. I explained I would be off work without income. My account has never been late. The representative informed me that they could not offer any assistance until my account became 60 days late. I was livid and began to complain and spoke to a supervisor. Fast forward after being late, Capital one contacted me. They informed me they would reinstate my account if I brought the account current and delete the previous lates. I brought the account current and they reinstated my account but never deleted the lates. if a consumer contacts a creditor before being late, there should have been something that could have been done. It is unethical for a company to tell u that u must become late in order for assistance. The XXXX that I had were due to me having XXXX. the LATES DO NOT REFLECT MY CREDIT WORTHINESS. pLEASE REMOVE
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have a Capital One XXXX Rewards card.Recieve 1 % cash back for every dollar charged. 
I redeemed {$500.00}, and recieved check XXXX.I failed to cash check within 90 days, and check voided.I called customer service, and was told my account would be credited {$500.00} within 90 days.That did'nt happen.I called again, and spent 2 hours being passed from agent to agent. 
Capital One has violated Terms Of Agreement by not refunding this money to me.
Consumer complaint received 2015-09-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (OH)

Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.
Consumer complaint received 2018-03-17
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (TN)

At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.
Consumer complaint received 2015-08-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One to make a balance transfer from another bank XXXX XXXX Bank XXXX for a lower interest rate. I called within XXXX minutes of the first phone call to cancel the transaction. I spoke with a supervisor and was told that the payment did not go through and he would put a stop payment through and I may have to pay a XXXX dollar fee for the stop payment, which I agreed to do. He said there would be no problem as it was only XXXX minutes since I made the request. I was told that the transaction could take XXXX business days so I did n't think there would be a problem. This was on XXXX XXXX. Then I got an email saying that the transaction went through. I think this was on XXXX XXXX. I called Capital One again and spoke to a supervisor. I was told they saw the stop payment and it went through but it takes sometime to show up on the account. A day or so later I looked at the bank that I was having the transfer made from XXXX XXXX Bank XXXX, and it did go through. I called Capital One again and spoke to a supervisor. I was told to call XXXX bank to ask for a refund. I did this but XXXX bank said they could n't do that. 

I called Capital One again and I was told again that the stop payment was denied! Basically, because it was an electronic transaction it was instantaneous and there was no way to reverse the transaction. I told them that a supervisor had assured me that they could stop the transaction when I called immediately after the request. I said I was lied to and/ or they made a mistake and/ or the people working for them had no idea how to handle this situation. I did n't want to pay the fee of {$87.00} because I was told the stop payment was possible and due to the basically instant request on my part to cancel the transaction and was told the stop payment was made. The supervisor refused to help me in any way. He said I could n't talk to anyone who could help me and he did n't have the authority to credit the fee. I pointed out to him that legally a person has the right to cancel a financial deal within a certain amount of time, in this case it was only XXXX minutes when the request was made. He told me that was not true. I asked to speak to the legal department and he said they did n't take calls. Basically, he said there was nothing I could do. 

I do not want to pay this fee as I was given false information and asked for a cancelation in a timely fashion. I was lied to on many different levels. I was told that the transaction would take XXXX business days. I was told the stop payment was made.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I received a letter from PenFed credit union ; I went online and used the " customer Id '' they gave me. although I do not have this letter now, They accepted my credit app. & said I would be getting an email. my acceptance # was:XXXX. 

I did receive an email requesting I provide my driver 's license, so security card, and income verification. I supplied a front & back of my DL { Texas }, and to satisfy both requirements for income verification as well as social security number I sent my XXXX form XXXX. I in turn at first received an email saying that the photographs were blurry of my driver 's license so I in turn sent a scan version off of my printer. These documents were accepted and I received a confirmation number : XXXX. 

After getting no response for 2 weeks I neglected to follow up. However, checking my credit report as I always do I notice not one inquiry dated XXXX of XX/XX/XXXX, but another hard inquiry for PenFed on XX/XX/XXXX. 
This upset me to no end - being a former collection manager for the XXXX XXXX XXXX XXXX in Texas ; One inquiry is acceptable ; Two inquiries within the same month, from the same " creditor '', is obviously a skip tracer looking for a debtor - which I am not!!!, and which has damaged my credit history! 
I contacted PenFed and gave him my phone number which was entered into their system. The representative took their time and then came back on the phone and said hello hello but he couldn't hear me. I called back in the same thing happened again. I, therefore, check my phone system by calling friends as well as my phone company- it worked perfectly. Then I called PenFed customer service back only to be hung up on this time. 

Knowing the federal law as I do, I just thought I would not stress it even further and wait for the snail mail response. Tomorrow is the deadline according to federal law and I have received nothing. 

So tonight the XXXX of XX/XX/XXXX I call PenFed customer service back. At least this time I got a very nice customer service representative named XXXX. I explained the situation and she also told me there is nothing in their system regarding me!... she put me in touch with XXXX a supervisor. She was quite standoffish-a typical bill collector supervisor response. 

In short : this creditor is not only damaged my credit but has refused to acknowledge my application nor has granted me or spots to my application in violation of federal law..
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AZ)

In 2011 I left XXXX XXXX XXXX fleeing XXXX. I informed the manager that I was leaving and showed her the XXXX I took out on my XXXX. The manager told me that everything would be okay and that I didnt have to worry. I found out a few months later that the account was put on my credit. I was not aware that according to federal law you could break your lease in cases of XXXX XXXX and not be held liable so I let the debt sit on my credit for years. I left my lease 1 or 2 months early and I am unfairly being charged market rate rent for the entire lease term.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a current capital one card member however I have also been the victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX someone applied for a capital one card in my name but using a different mailing address, phone number and email address. On both of these occasions capital one approved credit cards for the fraud. I caught both of these within a XXXX days and called capital one to inform them of the fraud. The accounts were immediately closed and I was told no cards were sent out. I was also told that they would remove the hard inquiry from my credit report. To this date they have not removed it, I have called, wrote letters, and even just today spoke with customer service. They have made no effort to remove this from my credit reporting and it has adversely affected my credit score. 

I want these inquiries removed from all XXXX of the credit reporting agencies immediately.
Consumer complaint received 2016-01-29
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc. (FL)

I have run my credit and it is show XXXX separate loans when I 've consolidated them into XXXX. Progressive Financial Service , Inc. is the XXXX handling my Collections. They refuse to show me my agreement to pay XXXX $ monthly deducted from my checking account. They are reporting to the bureau I owe over {$23000.00} when I only owe {$12000.00}. I have document to prove my amount owed. They refuse to remove me from a definition of their own policy to help me re-rehabilitate myself credit wise. They refuse to understand life situations and recognize my yearly attempts to pay them off. This is affecting my lively hood and any future attempts to purchase anything for my family. I dont know what else to do. Please help me. If I could work with another creditor I would. If there is any information you can provide I would greatly appreciate it. 

-XXXX
Consumer complaint received 2016-06-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sortis Financial, Inc. (MA)

I have a mortgage with XXXX. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to ClearSpring Loan Services for collection even though the mortgages are current and I continue to make regular payments. In speaking with XXXX several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from ClearSpring demanding payment even though I have sent an e-mail to ClearSpring explaining the situation.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WASHINGTON FEDERAL BANK (TX)

I entered into a one time close construction loan with Washington Federal Savings Bank ( WAFD ) on XXXX XXXX, XXXX which converted into a mortgage when I got Certificate of Occupancy in XXXX XXXX. 

In XXXX and XXXX XXXX mechanics liens were filed on my home because the home builder did n't pay the subcontractors for services that was paid to the home builder via bank funds. 

Subsequently the bank and their attorney demanded that I satisfy the liens claiming I was in default. At no time have I ever been in default of the loan and have made payments on time. They were claiming default under section XXXX of the deed of trust which are liens attributable to the Property which can attain priority over this Security Instrument. 

Mechanics liens are always XXXX to the mortgage and would never attain priority. It specifically mentions I am required to discharge any lien which has priority over the deed. At no point was WAFD 's interest in jeopardy. 

Now the bank is forcing the payment of attorney fees related to this demand letter. I did not authorize or agree to their attorney 's services and I did not do anything to create the liens. They are passing a cost along to me, that was incurred while they were servicing the loan. 

I then consulted with my attorney and he confirmed liens do not take priority over the deed of trust. The deed of trust would take priority over the mechanic 's lien as long as it was XXXX recorded. Now a junior lien holder can file for foreclosure but the property would be sold subject to the XXXX lien ( in this case the deed of trust ). The only way the mechanic 's lien would take first position over the deed of trust would be if all parties sign a document granting the mechanic 's lien XXXX priority over the deed of trust ( the deed of trust lender would have to sign off on this as well ). 

The mechanics lien holders would only be able to foreclose based upon the deed of trust and as long as I was current in my loan obligations this would never happen. This is exactly the conversation I had with XXXX XXXX. XXXX said you do n't have to worry about those liens as long as you 're current on your mortgage and I could later get those liens removed. For residential projects, the deadline to enforce a lien is 1 year from the last available day to file the lien or 1 year from the completion of the work ( whichever is later ). In XXXX XXXX all the liens would be unenforceable and I would be able to get them removed.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Good day, my name is XXXX XXXX and I have been waiting to receive my escrow account refund from Amerisave since the loan was paid off on XX/XX/21. I have been told multiple times by Amerisave personnel that the check was mailed and I should continue to wait, only to be told in later phone calls that the check was not sent due to delays. After escalating it to a supervisor I was told they would expedite the check process and even send it ups next day air due to the delay and email me tracking info.After two more weeks without any contact I called again only to be told there was no such record of my check being expedited and I should expect another 30-60 days for processing. I emailed my loan originator and he had someone named XXXX XXXX email me saying she could look into it and assist. On XX/XX/XXXX she emailed me saying the check was being sent that day and I should expect it in the next day or two. She provided a check number and amount. Two more weeks go by and I email her to check the status and she tells me to call the call center. I told her I was considering filing a complaint and she said she would try and get me an answer and then stopped responding to any emails. I called the call center again yesterday and was told the check still has not been sent and so one will get back to me. Its been a very long time waiting patiently for money that belongs to me and I feel like this company has been extremely dishonest with what Ive been told. If theyre doing it to me they are doing it to others. 
My loan number with Amerisave was XXXX The property address was XXXX XXXX XXXX XXXX CA XXXX The only thing I have received in the mail from Amerisave is the tax form 1098 where they show an escrow refund on XX/XX/XXXX for {$4400.00} however by their own staff admission, the check has still not been mailed. Please help me get my money and find out why this company is misbehaving. Thank you, XXXX XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.