davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One in XX/XX/2017 if I could make my payment after the due date XX/XX/XXXX to XX/XX/XXXX-she said yes, I can make up the payment in any form and she would remove my auto pay for XX/XX/XXXX to XX/XX/XXXX.Result was she removed XX/XX/XXXX auto pay-I DID NOT REMOVE AUTO PAY in XX/XX/XXXX, Cap One removed it! SHe adjusted my auto payment to DOUBLE, in which I did not authorize and I didnt know until today XX/XX/XXXX as it shows {$320.00} PENDING-NOT OKAY! I should have shown XXXX- initially years ago I set up auto pay to take out the min due. CAP ONE service rep adjusted and " doubled '' my paymt, I called Cap one immediately as they refused to remove this pending doube payment as said they could n't remove it even when they were well aware I did not authorize. Cap one rep XXXX and XXXX/manager claimed I owed XXXX and I said I do not! my min Payment is XXXX she lied and disclosed the wrong amount and told me to call my bank to stop pmt as I told her my bank will charge me XXXX as she said she couldnt do anything. This is unacceptable. I called my bank XXXX after speaking with XXXX and had XXXX on hold to tell them I had to pay XXXX fee and they CAN remove/or cancel the payment bc it hadnt come in yet. Cap one rep XXXX was on the line and she was aware of the situation and placed us on hold while I had XXXX on the line. XXXX hung up! How many times do I have to call Cap one to resolve? As they refused to remove/cancel pending transaction. XXXX was incorrect my min due XXXX as the info was right in front of her as she refused to acknowledge due amount to be XXXX, refused to remove auto pay- but new rep said let me see what I can do. Being treated unfairly and refusal to assist me is unacceptable and disclosed the wrong info as Cap one said I set up this cancelled payment in XX/XX/XXXX online as I " did not do '' -they performed this transaction, not me! Nothing but a scam to make more money off of me. If this payment isnt cancelled it will throw off my checking and I was be charged numerous fees due to other transactions coming in -I will be out hundreds if its not cancelled.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CO)

Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

For several months now i been having trouble trying to balance my checking account with JP Morgan Chase. Since every time a transaction happen they blame the merchant for when they process the bank and I keep getting charge over draft fee 's. When for example the most recent transaction happen XXXX/XXXX/2016 ; I have over XXXX worth of fee 's after I just finish getting my deposit from my employer and my account was on the dot. I call to complaint about a transaction and i had a balance of {$2.00} after a {$300.00} payment I disagree but got nothing but an email next day I see all this transaction that happen the week before post in a different order and dates and make me owe now Chase again overdraft fee 's. So why they keep doing this when the transaction happen they take out your balance but they posted later differently and make the account be overdraft. I think this a dishonest way of doing business and making this inconvenient for the consumer that really needs a checking account now and days and ca n't talk to their representatives or manager because they just do n't care we have to pay. Now my account is {$200.00} over draft after that conveniently they cover my transactions when to begin with the money was there and if XXXX item was not available then I understand the overdraft fee but not for XXXX items that originally the money was there and if not they would n't decline my transaction this is deceiving and incorrect they need to have a better way of handling this. So far this year I believe I had paid them like XXXX or more. This is not a way of a bank secretly disobeying the rules put in place by fdcpa & cfbp.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NC)

On XX/XX/2023, I sent a debt validation letter to the debt collection company via USPS certified mail. I have proof that the letter was received by the company 's secretary at the front desk on XX/XX/2023. The tracking number for the USPS certified mail receipt is XXXX. 

The letter requested validation of an alleged debt that the company claims I owe. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

However, as of today 's date, more than 30 days have passed since the letter was received by the company, and I have not received any response or validation of the alleged debt. This lack of response is in violation of the FDCPA, which requires debt collectors to validate debts upon request within a 30-day period.

Due to the company 's non-compliance, I am being unjustly subjected to the negative impacts of an unverified debt, including potential harm to my credit score. I intend to pursue this matter until my rights under the FDCPA are upheld and the situation is rectified. The amount of the debt is {$980.00} and account number XXXX
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

I was denied a modification on my loan twice. After paying the application fee, providing all the documents requested. I was threaten about losing my home .Had to struggle to make my monthly payments, was told could not help. Threaten foreclosure had to take more loans and further get into debt. Felt like l was being bullied or force no matter what.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have had my vehicle for XXXX going on 4 Years and I have always been in good standing with my account on Thursday XXXX XXXX my vehicle was XXXX due to a non payment back XX/XX/XXXX a Year ago to my knowledge everything was up to date in between that year I have contacted the bank and have never been informed of this situation I was quoted my Pay off amount never received any correspondence via mail, Phone, or by email as well when I did contact and speak with representatives of the bank they were very cold, uncaring, and unwilling to try and help they just wanted the past due amount of one month I felt it was very unprofessional as well as very stressfulstressful and overwhelming for me which did not seem to matter to anyone no representatives ever tried to help give me any options or reassurance that we can resolve this issue and figure it out together exactly the opposite I felt bullied and like threatened that if " I did not get a payment in I could lose my vehicle and end up paying more '' per the representative. I understand it is a business and I am in no way trying to cheat or manipulate anyone I just feel the whole situation was handled very poorly and unprofessionally especially a year late where as my Automatic Draft all other payments have been processed with out any problems within that 12 month period. I have also felt a lot of miscommunication a lot of the times where XXXX representative will say XXXX thing and then someone else will say something different on occasions many representatives have made me feel more of a burden and troublesome rather than a customer and this is for doing what is requested by the bank to call if any issues or things with payments I have always kept promise to pay if at anytime I needed to change a scheduled payment due to repairs or unforseen expenses. I just wish I was treated more like a customer than just someone who has a car leased through the bank and all that matters is the Money or at least a little more courtesy than what I was given
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Hillcrest Davidson & Associates (OK)

On XXXX XXXX, 2017 I received a letter from Hillcrest, Davidson & Associates which used language that tried to make me think they were a law firm. I spoke with an attorney and found out they were a collection agency. The letter said they had been " retained '' and that I had a " pre-litigation claim '' with their office. It also said they would begin " the legal process '' if I did not pay within 20 days. I have 30 days to dispute the debt but that was not on the letter.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (RI)

In preparation for a mortgage, I requested a schedule of payments- how much I owe on each due date going forward on the loan. They told me they were unable to provide me with this information, as it depended on how much I paid each month. My amount due has n't changed in months, and I pay the same, consistent amount. They were able to tell me approximately what my loan schedule would be, but could n't send something in writing. They said they would mail us their policy stating why they could n't provide a payment schedule, but never did. XXXX First, they wanted us to go online to request the policy be sent. I told them that, since I had them on the phone, I would like to request it now. )
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Adjustment Service, Inc. (GA)

Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Each year, I review my free annual credit report to make sure all information is correct. However, I first noticed on my TransUnion credit report where one of the accounts had the remarks, BANKRUPTCY DISMISSED ; PLACED FOR COLLECTION. I immediately filed a dispute and waited a month later on XX/XX/2016 for the investigation to be complete. On the dispute, I explained I had never filed bankruptcy ( or attorney for that matter ) and I wanted the remark to be deleted for accuracy. When the dispute was finish the same information is listed on my credit report. I became frustrated that not only FICO score dropped on all three credit reporting agencies and I followed the instructions of the customer representatives and no one listened or resolved matter. I need help - I can not buy a car or anything because my credit is affected. My report contain error that have harmed my ability to obtain credit. 
TransUnion provided no straightforward way for me as a consumer to correct erroneous blemishes affecting my credit. When I filed a dispute, TransUnion reflexively finds in favor of the debt collector that reported the debt. In this case, the debt collector was XXXX. TransUnion has failed my trust to maintain accurate credit reports and its refusal to investigate consumer disputes after I pleaded for help
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

I had my pocketbook stolen from my car on XXXX XXXX. I called all my credit card co 's to report the stolen cards and cancell all my cards and bank cards. On XXXX/XXXX/2017 I received my target statement which had a {$470.00} charge on it from XXXX made in XXXX, MA at the Target store there. Target stated that because the person charging the purchased used my pin that I was liable for the fraudulent charge. Target also stated that the items purchase were not what a typical fraud charge usually purchases. Iw as instructed to write a letter with the police report case # XXXX & my 4th precinct on XXXX XXXX Police Dept 's contact which I also submitted as Detective XXXX XXXX. I have never been to the location of the charge and because my entire pocket book was taken my address book was in the pocketbook as well, in the address book and on my cell phone there is an area where I note all my PIN numbers. I need help with Target, I called to follow up today XXXX/XXXX/17 over a month after sending the information that Target requested and they told me they had no record of my letter. I sent my letter with tracking XXXX on XXXX/XXXX/2017 Tracking nUmber XXXX and Target signed for this letter and the back up on. Target received and signed for the letter on XXXX/XXXX/2017 at XXXX at teh front desk at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Please advise what should do moving forward. Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - XXXX, XXXXXXXXXXXX
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Problem with application process. Offered pre qualified. I applied ( XXXX ) XXXX and received an approval notice On XX/XX/XXXX. I spoke to someone in the Bank of America on XX/XX/XXXX. They confirmed my application was approved and that the card was being sent. Later that evening I checked to see if the deposit Req was loaded and received a notice that now my application was denied. Called and minimal to no indication disclosed. This had an overwhelming impact on my credit score. I am terribly concerned with the handling of my information.
Consumer complaint received 2023-07-12
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: LEXISNEXIS (PA)

Please note that Lexis Nexis has corrected the bankruptcy error on my credit report with them. XXXX and XXXX have given written notification that they both received the information from Lexis Nexis. I have submitted the supporting documentation I received from Lexis Nexis to both bureaus and both XXXX and XXXX refuse to review the documentation and update my reports. 

XXXX went on further to send written documentation that both the Federal Bankruptcy Court and Lexis Nexis confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks.

Both bureaus have stated Lexis Nexis has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''
Consumer complaint received 2016-10-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Charles Schwab ( brokerage ) illegally took {$190000.00} from my bank account at the Charles Schwab Bank in XXXX, XXXX today ; I deposited a Trust check from XXXX XXXX XXXX, XXXX, XXXX for this amount on Saturday, XXXX XXXX, 2016 into the only ATM and only real Bank Schwab has. We believe they are operating a XXXX State illegal bank where " back office '' is XXXX XXXX XXXX, XXXX where Bank Statements are processed. Deposits are made by pre-addressed envelopes which go to XXXX XXXX, XXXX. 

We believe these are illegal racists acts by the " Client Advocacy Team '' which is a fraudulent name for a Unit with actions like XXXX during XXXX. 

I am an expert on Banking ; You will note " CAT '' on the withdrawl attachment.
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Asset Recovery LLC (NJ)

I have repeatedly requested that Quality Asset Recovery provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a new bank account with Citizens Bank on XXXX. I went to a branch on Saturday XXXX and deposited my check with the teller XXXX. XXXX told me I would have access to the funds on Tuesday XXXX, but woke up this morning to the check being placed on an extended hold. After calling the customer service line I was told to go to the depositing bank and that is what I did. I waiting from XXXX until XXXX for XXXX the branch manger. She told me it is not the responsiblity of the teller to advise me of the 5 business day hold and also that he is new. The responsiblity is the banker who opened my account.