davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX, which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XX/XX/XXXXXXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized ELANFINANC Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 


The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX and I entered into a loan modification agreement. 
I sent back all information as requested and Wells fargo claims that a page is not notarized. 
I continued to make all payments at bank for 6-8 months and then Wells Fargo refused to take payment and never notified me why. 
I tried for months to learn why it was rejected. 
Finally in XX/XX/XXXX a service person told me that Wells Fargo had a clerical error. 
I inquired what it was and I was told that a paper notoarized was rejected and that another package was sent out in XX/XX/XXXX via XXXX. 
I never recieved that package or had knowledge that package was even sent. 
The FedEx number Wells Fargo provided is not in FedEx system. 
Wells fargo can not provide any signature that package was received. 
Now they are bulling me and have started court actions. 
I want to pay my mortage and move on. 
They want to start a new deal at a rate that I do not want to afford.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I disputed the following account with XXXX  and Equifax and after an investigation by XXXX  It was found to be unverified/inaccurate and removed from my credit report. Equifax has still not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I have included a screenshot of the removal by XXXX  from my XXXX XXXX account as proof and I give permission for you to run my credit report to see that it was removed, I am once again asking that Equifax investigates the following account and I would like verification/proof, copy of contract or signature showing the true ownership of these account or the removal of these inaccurate/unverified account. 
1. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital claims I owe {$5200.00} for default on a XXXX XXXX account. I do not have, nor have I ever had a XXXX XXXX account. This debt is obviously not mine but is affecting my credit.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

XX/XX/2020 my car payment with Capital One Auto was due. I wrote to XXXX XXXX, CEO to no avail. I called Capital one auto XXXX XXXX. Explained I was in a bad fall due to slipping on milk leaking from an employee s cart and had fractured two XXXX in my XXXX and hurt my XXXX XXXX XXXX. Lawsuit against XXXX in process. The cap one rep asked me to answer questions from a computer and at the end said sorry about that there's nothing they can do. 
I told him I lost my job as I'm a XXXX  and NH has been in shutdown since XXXX. 
He said sorry. 
I have paid 19 payments of {$290.00} every month. 
I asked for lower payments, loan extensions, they just added another {$14.00} late fee even though he said he'd waive it. I just paid it. 
I'm on social security and get s small XXXX pension from a divorce. 

They will not work with me and I'm in a temporary shelter the County put me in due to my age, XXXX and I just got out of the XXXX and was brought to the XXXX.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (GA)

so i file unemployment i was expecting my card but my card never can in the mail i start reciving deposit from my state unemployment since XX/XX/XXXX but never recived the card in the mail then later i try to call or reach way 2 to go pogram the only way to contact them by phone but i call they never anwser maybe short of stuff people staying at home and working so i recived total of XXXX total in benefits but XXXX dollars was made in fraud purchases from XX/XX/XXXX to XX/XX/XXXX but i could not see this trancsations because i never recived the card and you cant access the website without a card. and you cant check your account by phone without the card. so i was ok maybe when things get better i call again anyway card is not activated so i try to call multiple times and sometimes i waited 5 hours on hold and the disconect and finally so one anwser and other i new replacement card this was on XX/XX/XXXX so when i was talking to the person i ask what was the balance on my card she said XXXX and ask her why suppose to. be more than that she said it was only XXXX i ask her if the lost card was activated she said no so i know some people was getting payments from unemployment delayed so i think that was the issue maybe but no when i recived my card i activate and made my login for the website and then i spend the XXXX left thinking thata maybe the other payments was delayed then XXXX day i went to see all transactions that when i notice that XXXX was use in fraud purchases i made a report on XX/XX/XXXX of XXXX then it took 46 days to investigate the dispute then they denied me but they make so hard to communicate with them and also they did a XXXX dollar purchase in a XXXX or XXXX and how that didnt alarm them no one spends XXXX in a store in foods
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I submitted an application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ) on XX/XX/XXXX, after making my 120th qualifying payment. On XX/XX/XXXX, I received a letter telling me that my loans were in the process of being forgiven under the TEPSLF program since I had met all criteria for forgiveness. 

It is now four months since I applied for forgiveness and three months since I received confirmation that my loans were being forgiven under the TEPSLF program and I have not heard a single word. I check my FedLoan account regularly, waiting for some sort of movement. I have called to inquire as to the status of forgiveness and am told they have no information for me, and perhaps I should wait for 5-6 months to go by for forgiveness on my loans to be granted before I follow up with them again. 

This delay is unacceptable, especially when a term of the forgiveness program is that one must remain in qualifying employment up to the day that loan forgiveness is granted, and when the TEPSLF funds are finite. I have done everything asked of me to achieve forgiveness, I qualify for forgiveness, yet I remain at the mercy of FedLoan and the Department of Education to process my application. This should not take months and months to accomplish given all the hoops one must jump through to qualify for forgiveness.
Consumer complaint received 2020-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

For years XXXX offered {$19.00} per year membership, then on the renewal bill the charge was {$54.00}. Naturally this increase was not acceptable and XXXX was called multiple times to cancel, but they did not answer the phone but routed to automated system. On XX/XX/XXXX I called and after over 5 minutes when no one picked up, I hung up and then sent an email. Since the previous year was paid with a Capital One credit card that EXPIRED in XX/XX/XXXX, logically no new {$54.00} charge would be authorized. How very wrong was that conclusion. After receiving a Capital One statement with the XXXX {$54.00} charge, XXXX was called again and finally they answered the phone. I confirmed that I wanted to cancel, and I was told the {$54.00} would be refunded back to the Capital One card. On XX/XX/XXXX I called Capital One to dispute the {$54.00} charge. When Capital One contacted XXXX, they were told the {$54.00} charge was valid! XX/XX/XXXX XXXX had processed a paper check, which when it was delivered, I called XXXX  and told them that I did not have a local bank and that the check would be shredded. XX/XX/XXXX I spoke with XXXX in XXXX membership relations and repeated the same information that the card was expired, the membership was cancelled, XXXX promised a refund on the credit card and instead a paper check was issued. She said that because the card was expired, the refund credit would not process. XX/XX/XXXX Capital One again reinstated the {$54.00} charge on the account with a due date of XX/XX/XXXX. XX/XX/XXXX Capital One was told to activate the credit card, even though it was made clear since XXXX that I did not want to continue doing business with Capitol One. Capital One promised to contact XXXX and verify the card was activated and the {$54.00} charge could be refunded. XX/XX/XXXX I called XXXX at XXXX and they hung up on me! I called back and again spoke with XXXX and again explained the entire situation. She said she would have her supervisor call me. At XXXX I received a call from XXXX  employee who proceeded to tell me XXXX  would only process another paper check. She flat out refused to take the credit card information to process the refund on the credit card. Capital One is complicit in this situation for allowing a {$54.00} charge to process on an expired card, manipulating the activation on the expired card, and then payment for a disputed charge.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (DC)

LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

In response to my previous filed complaints the incompetent XXXX XXXX, Legal/Compliance Dept is still using deceptive and stall tactics. This company is very shady and operates on lies. 

Her response is she needs the last 4 digits of my social security number and my birthday in order to locate a record. 

Obviously, she does not need the last 4 digits of my social security number nor my birthday to locate a file because they already placed this account on my credit file without speaking to me and without sending me a dunning letter. I never confirmed my social security number with them so why was it placed on my file? 

Furthermore, in my previous complaint, I attached a copy of my credit report which shows the account number the company used for the record. So why is it you can't pull my record with the account number your company used to place the debt on my file? 

XXXX XXXX stop using stall tactics because your company XXXX up!!!! I will sue the pants off this company! 

The last 4 digits of my Social Security # XXXX and birthday XX/XX/1982. Now use it and remove this frivolous debt and your company has already violated my consumer rights.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX  and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to Transunion, XXXX, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Complaint against NewREZ XXXX www.newrez.com XXXX. XXXX  XXXX XXXX, TX XXXX My mortgage was transferred to Shellpoint Mortgage which then became NewRez LLC some years ago. In XX/XX/XXXX I began paying extra principal and just additional money on my mortgage. Unfortunately, I didnt pay a lot of attention of how my extra payments were being accounted for, but I assumed that it was going to principal and interest payments. I had a XXXX in XX/XX/XXXX and in XX/XX/XXXX I finally reviewed my mortgage account to see how much longer it would take to pay it off. I realized that what they did was they kept pushing out next due date as opposed to applying the funds to my account. Ins My XXXX statement of XX/XX/XXXX stated I owed {$0.00} on XX/XX/XXXX and my next due date was XX/XX/XXXX ( or XX/XX/XXXX ). To me that meant they had at least five months of payments accredited to my account or at least {$12000.00} ( my regular payment was {$2400.00} although I often rounded up to {$2500.00} ). My first call on XX/XX/XXXX the customer service rep said she would enter a ticket to have my payments reassigned to principal. She thought I might have somewhere between 12 and {$15000.00} overpaid. At that time, I owed {$12000.00}. She told me it would take 3-5 days to process. Nothing happened so I called back on XX/XX/XXXX and spoke to XXXX. She said she saw the notes but no ticket so she opened one and said she would escalate to her manager. On XX/XX/XXXX NewRez fluctuated my due amount between {$12000.00} and {$22000.00} and determined I owed {$9500.00}! I called back on XX/XX/XXXX and spoke to XXXX who would not explain why they did what the did but their adjustments were correct were correct. After that fiasco I noticed they had pushed my next payment out to XXXX. I called and spoke to XXXX and we figured if we took the 2 months credit into account if I paid on XXXX we figured the new principal would be {$4700.00}. NewRez moved my next payment due to XX/XX/XXXX but only reduced my payment to {$8300.00}. I do not understand their funny math so Ive attached the spreadsheet with my payment history. I feel I should owe much less than what they are billing me. I believe they are being dishonest, I have attached the payment record for you review. I hope you can help.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (OH)

I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are Flagship Cree, and XXXX XXXX. I tried getting in contact with these two companies but still havent heard anything from them.