davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2016 I went in to XXXX XXXX XXXX because I was told that I could finance using my XXXX. I was approved by Capital One Auto Finance to finance a vehicle with a down payment of {$4500.00}. I paid my down payment on XXXX XXXX, 2016 ( {$2000.00} in cash and {$2500.00} on my credit card ) and received a receipt from XXXX XXXX XXXX. My first payment of {$410.00} was dues on XXXX XXXX, 2016 and I paid this on time. The vehicle was towed by Capital One Auto Finance and I received a letter from them on XXXX XXXX, 2016 which stated the vehicle was taken back, " because you broke promises in our agreement. '' I called Capital One Auto Finance to find out why exactly the vehicle was taken from me. They informed me that they could n't finance someone with an XXXX because it was against their policy. I asked how they could approve me to begin with and then accept not only my down payment but the first month 's payment as well. And on top of that, I asked how they approved me for a credit card through Capital One Bank ( at the time I banked with Capital One - I 've since closed my accounts ). They were unable to explain why. I asked when they were going to refund my down payment and first month 's payment and they stated they would n't. I expressed that if it is against their policy to finance people with XXXX then they should approve them in the first place and then take their money. I called Capital One Auto Finance 's fraud department and they also told me that they were not going to return my money to me.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened a loan with Bank of America in XX/XX/XXXX. Made my final payment in XX/XX/XXXX, the home was foreclosed on in XX/XX/XXXX. 

Why is this still showing negatively on my credit report in XX/XX/XXXX? 
Real Estate XXXX XXXX scheduled payment : {$2400.00} High Balance {$320000.00} Opened : XX/XX/XXXX Bank Of America Creditor Address : XXXX FL XXXX XXXX Fl XXXX Phone : XXXX I would like this removed. THANK YOU.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PROSPERITY BANCSHARES, INC. (TX)

A person of different name used checks of a stolen routing number and account number. ( check from XXXX used routing number and account number from Prosperity Bank ) to withdraw {$1500.00} from Prosperity Bank customer without his knowledge. Prosperity Bank will not reimburse account for stolen money withdrawn from his account. This is a commercial account and is not reconciled each month.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have a student loan through Navient XXXX XXXX XXXX XXXX for just under {$10000.00}. I have been making payments on my loan this year, however, they have chosen to charge it off ( as of XXXX XXXX ) which I didnt find out until XXXX. In XXXX, someone from Navient XXXX XXXX XXXX contacted me to attempt to settle my loan. I negotiated a settlement offer but never accepted it. I called in later on in XXXX to express that I had experienced a hardship and needed more time on the offer. I was told that Navient had charged off my loan as of XXXX and that I would need to call around to figure out who owned the loan. After calling around a bit more I found out that Navient still owned the loan but would not give me any hardship extensions. I went to check my credit report and saw that the loan had indeed been charged off for the full amount. However, today ( XX/XX/XXXX ) i received a credit alert stating that Navient had charged off the loan again for {$2000.00}. Navient is reporting this XXXX debt as a charge off multiple times for different amounts in order to ruin my credit. The company is malicious and making it difficult for me to settle my loan in an attempt to get more money out of me.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

Last month, I accidentally made two payments, one manually and one on autopay. Only my manual payment was posted to my account, even though my bank account clearly shows both payments coming out of my bank. I spoke with customer service, submitted proof from my bank statement as requested, and was told I would hear back within 48 business hours. That was over a month ago and I never heard back nor was my second payment posted ( autopay ).

This month, I made sure I only made one payment on autopay. I got an email letting me know when my payment would be processed for autopay, which was correct. It processed as it was supposed to on the due date and shows up on my bank statement. However, I just got an email stating that I didnt make a payment this month and its overdue. The website even SHOWS that Im enrolled in autopay, yet the last payment it says I paid is from last month. When I called customer service, it immediately let me know that I was overdue and this was a debt collector trying to collect a debt which is BEYOND FRUSTRATING. Someone fix my account ASAP and show my payments correctly or Im going to keep submitting claims like this until its resolved!
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXXwo separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XX/XX/XXXX1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2016-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (IL)

I called my federal student loan provider Great Lakes to confirm about item # XXXX : I 'm thinking of serving as a XXXX XXXX or XXXX volunteer and plan to request a deferment or forbearance on my Direct Loans. If I 'm not making payments during my service period, can I receive credit toward PSLF? 
The customer service agent ( I believe her name was XXXX ) stated to me that I would not be able to received credits PSLF, even though under the federal government its stated otherwise. The agent stated that I would need to make 12 separate payments and that I am not able to make the lump slums payment and received the credit for PSLF. 
I am extremely frustrated because, I am a hard working student working to keep up with my student loans and more importantly be smart with payment in order to receive PSLF credits during my services as an XXXX volunteer. I would like for Great Lakes to invest in honest and fair business practices. I do not think this institution should be acting as private money-hungry bank center. I also believe, the federal government needs to do a better job making sure that these private sector they partner with are honest and are in compliance with federal regulations. I am going to call them again with an attorney on the other line to process this request. It 's unfortunate that hard working citizens of this country have to go this far to get a fair treatment.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (OH)

I received several phone calls over the last few weeks from this company claiming that I owe a debt for a utility bill of some sort. I asked why I was not served a letter saying that I had a right to dispute this debt before collection action was taken. The guy told me that they do n't send out letters like that only invoices and he thinks that it was stated somewhere on there that I could dispute it. I asked when would I get that letter since he was calling before I received any letter or invoice from them at all. He said not to worry about the letter and that he wanted to set up a payment for the alleged debt. I said never had XXXX for my utility he said sure you did and you owe the money, stop being a deadbeat and pay your bills. I hung up he called back 17 times in a row, and every day since at least 7 times. My XXXX year old daughter answered my phone a week ago and someone from this company asked for me and when she said I was unavailable he told her to tell me to get out of bed and get a job so I could pay my bills. I have sent a do not contact letter and it was ignored. I also sent a debt validation demand letter it also has not been answered. These are blatant and clear violations of the FDCPA, and the FCRA. They have not sent a dunning letter, they refuse to stop calling when I asked over the phone, they harassed me with multiple phone calls and terrorized my small child when she answered the phone. They refuse to validate the debt in any way, the 30 day time frame is now passed and yet they still call, and report this on my credit report.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (FL)

I have around {$170.00} in rewards points in my TD credit card. I have spent over 6-7 hours on the phone with them and they keep transferring me to someone else and no one is helping me. I opened this card for the {$150.00} bonus and I demand it. Thanks
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC (NY)

I owe a debt for a watch I bought on credit. When the company contacted me, I authorized them to speak to my wife as they kept calling me at work. Even after my wife began contacting them, they continued harassing my sister. My wife requested in writing for them to cease phone contact and to contact us via email or US mail. They have continued to ignore that request. My wife put together a proposed repayment plan, which they accepted and then attempted to verbally change via the phone by speaking over her and acting in a confusing manner, so my wife politely ended the call and contacted them via voicemail and email to again request all orrespondence be done in writing, and for them to send the agreed upon arrangement in writing so that we have a record of what we agreed to. We have not received that. Today my wife again emailed and asked for this, and reminded them to not call, and XXXX minutes later they called anyway. We have NOT received the payment agreement that they agreed to in writing at all and they continue to ignore our requests for it and continue calling and trying to bully her into giving them our bank account information over the phone. We want to pay off this debt, but I want the agreement IN WRITING so they can not come back later and say we didnt follow the agreement, and I certainly do not want my bank information given to someone who is refusing to give us the agreement in writing, I do not trust them with this information.
Consumer complaint received 2017-02-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (VA)

Between the years XX/XX/XXXX-XX/XX/XXXX I have attend XXXX XXXX to complete my Bachelors. In XX/XX/XXXX school is closed due to some financial problems and charging too much to students more then they supposed to. After this i went to school which was closed but they put a flyer on the window for how to get transcripts and diplomas. Also they said get in touch with your loan provider to about Student Loan forgiveness. Which is there is an option that once school is closed loan can be XXXX out. I have applied and of course Great Lakes loan office was saying we ca n't forgive the loan because i was at the school by that time. There is an newspaper article that there was an article about this and student who attend this school between XX/XX/XXXX the XX/XX/XXXX eligible for loans to be forgive. This is a monkey on my shoulders and i already am having financial difficulties and my lawyer recommend me to get in touch with you for this matter. I know you can help me and il look forward to hear back from you.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XX/XX/year>. The temporary freeze lift would not work after my login into to my account. 
The Experian website showed the temporary lift was in place but I was denied credit from XXXX because their attempts to Experian showed my file still frozen.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (CA)

i have disputed " The XXXX XXXX '' with XXXX, Equifax, XXXX  multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from XXXX & Equifax and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NY)

I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
Consumer complaint received 2016-04-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (OR)

For the past several years I have subscribed to Credit Monitoring for XXXX members provided directly by Experian or a direct Experian wholly owned entity. Recently the product underwent changes and the new product is far less useful that previous. I decided to cancel this service. However, Experian makes cancellation -- likely on purpose -- so difficult to accomplish that after several days they are still unable / unwilling to cancel this service upon my demand. I have attempted on multiple occasions to call the number they have given for cancellations and on each and every instance have encountered hold times exceeding XXXX hours. Ultimately I have never been able to reach a representative to cancel. My desire is to cancel this service effective immediately as of XXXX/XXXX/2015. There is no possible scenario under which I would be willing to keep this service. However, Experian refuses to allow me to cancel. 

I should point out that calling Experian from my current XXXX is NOT toll free. I have already wasted over XXXX hours of XXXX charges trying to cancel. I am NOT willing to call again.