davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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: Resurgent Capital Services L.P. (UT)

XXXX XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Mailed Experian dispute 2 times to remove all obsolete out dated personal information on XX/XX/XXXX was the last time I mail it again it is still on my report and they have updated after i requested this. there are 11 old addresss to be removed6 names to be removed,2 phone numbers, spouse remove.empolyers 2 remove. please remove this items on the list I sent you twice it is inaccurate reporting on my credit report XXXX XXXX XXXX remove it its not my account letter enclosed stating this. you Experian I tried calling put you do not take calls so this is my only course of action letters don't seem to work
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a new number less that a week. Capital one keeps calling for someone else. I have advised them 5 x since last Thursday to stop calling as I do not know that person, this morning they called again, I once again advised them to stop calling..
Consumer complaint received 2018-09-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I received letter from Capital One that they closed my savings account with no warning, no notice, and without my consent. I went in person to Capital One Branch at XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX XXXX could see my account closed and the fact that I still had funds in acct. She said the phone lines to talk to someone about my problem was busy. I sent tweets ( my profile XXXX please remove from description before publishing ) to Capital One Cust Service on XX/XX/XXXX and many days after that they tweeted me they escalated my issue to another group after many tweets of them making excuses why they could not help me. I also sent multiple emails to Capital One XXXX XXXX XXXX and Capital One Communications XXXX XXXX. XXXX XXXX sent me read acknowledgement of my emails and received nothing from XXXX XXXX. I finally got reply from Capital One Cust Service twitter account @ AskCapitalOne about XX/XX/XXXX and also received a letter from Capital one stating they turned over my funds to the State of Texas as unclaimed funds and were waiting to response to my many tweets until AFTER this transfer was completed. I was in almost daily contact with their customer service during this time and was they did was completely corrupt and underhanded. I kept asking them and XXXX XXXX XXXX to reopen my account as it was prior to them closing it without my consent. Please assist me getting this done. Thank-you
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

I mailed a payment to BBVA Compass in the amount of {$7000.00} to pay off the bulk on my credit card balance on XX/XX/XXXX. My payment was deliver to the company lock box on XX/XX/XXXX. On XX/XX/XXXX ; I made my 1st call to the company inquiring about the check not posting to my account. I was told that I could not trace an un-applied payment until after the due date had past. I asked about late fees and was advised that the company would waive late fees once the payment was applied. As I monitored the account daily ( multiple time ) I was concerned that the check had not posted to the account although it was delivered on the XXXX. I began to call daily and it was not until XX/XX/XXXX I was finally issued a ticket number ( XXXX ) to begin researching my missing payment. I called on XX/XX/XXXX and was told that it would take 4 to 5 business days to get resolution and not to worry about late fees as it could take up to 10 business days for a check to post to the account. On XX/XX/XXXX, I had a late fee post to the account and I called to have the fee waived, inquire about the payment research and made an online payment to ensure there would be no negative impact to my credit. The payment was not reflected on my account until XX/XX/XXXX. I called BBVA Compass on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding this issue and could not get beyond the incompetence of the Customer Service team. I repeatedly asked to speak to someone that could help and got nothing, I verified and re-verified information that agent entered the system wrong and to this date have not received the call back I was promised to resolve my issue ( I provided my cell phone and the number for contact ). 

On XX/XX/XXXX the check that I had been asking about arrived in the mail at my home. By this time, I had already asked the issuing company to cancel the previous check and resend another check so that I could pay the bill. That check will be taken directly to the bank for payment today, XX/XX/XXXX. 

Due to the inability of BBVA Compass to effectively provide customer service, process payments and provide customer assistance, I have been charged additional interest, received a late fee, and negative information ( late payments and over the limit ) has been reported to the credit bureaus. I want BBVA Compass to make me whole with these fees and interest and correct the reporting to my credit report. Had BBVA Compass done their job, I would not have negative items on my report and there would not have been an interest charge of {$110.00} on my account. I can not get any assistance from BBVA Compass and therefore am asking for your help.
Consumer complaint received 2018-09-04
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. (TN)

EQUIFAX HAS WIPED MY ENTIRE CREDIT REPORT CLEAN ... ..ITEMS I PREV DISPUTED AS BEEN PLACED BACK ON MY REPORT IN WHICH IS AGAINST THE FAIR CREDIT REPORT ACT. FIRST SOUTH FINANCIALLY WAS REMOVED OFF MY REPORT ON XX/XX/18 UNDER NUMBER XXXX THEY HAVE ADDED IT BACK TO MY ACCOUNT.
Consumer complaint received 2018-09-04
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. (AL)

I sent letters, along with my identification, and a Federal Trade Commission XXXXdentity Theft Affidavit to the 3 major Equifax, XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
Consumer complaint received 2018-09-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was a direct hit of Hurricane Irma XX/XX/2017. I was told by Wells Fargo that they would give me a 90 day disaster relief with no questions asked. I was told the owed amount would be put on the end of my loan. After my disaster relief period I have paid my mortgage faithfully every single month. Recently Wells Fargo as put my home in foreclosure status. They have listed on my credit that I have numerous missed payments. I went to refinance my home and was told I had 6 missed payments EVEN though I have faithfully made my payments after the disaster relief. I was DENIED refinancing because of this reported " missed payments '' and " foreclosure status ''. So now I'm facing ruined credit score and the possibility of losing my home. How could a company do this to someone after faithfully making their payments. They said the only resolution is to pay the {$7000.00} plus in owed payments. If I accepted the " disaster relief '' then how would I be able to come up with over {$7000.00} just like that?! I'm disgusting by Wells Fargo and the lies they told us victims of Hurricane Irma.
Consumer complaint received 2018-06-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I made an online payment on XXXX. My payment was actually on XXXX, but because it was a weekend, Toyota did not count it until XXXX. I recieved an email conformation on XXXX from Toyota stating they received my payment on XXXX. My financial institution has withdrawn the money from my account. The website still says past due yet the website shows my payment made on XXXX and I am receiving approximately 14 phone calls in the past 7 days! That is harrassment!!
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRS Financial LLC (NJ)

I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i have explained to creditor XXXX XXXX XXXX XXXX that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from capital one showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXXXXXX XXXX ; XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
Consumer complaint received 2018-01-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have a title loan with XXXX XXXX and I have been trying to pay it off by making larger payments. They way they structure their loans and limit your payment options it is almost impossible to pay off the loan. I borrowed around XXXX a year ago, and so far have paid well over XXXX to them- but my balance is still over {$3000.00} I cant even give actual amounts, because their customer dashboard only lets you see what payments you made, not the balance owed. 

This month, I paid them {$1000.00} to get the loan up to date because they said I was behind a payment. The next week I wanted to pay {$600.00} toward the principal. I called them, abd they said I couldnt do it online, or on the phone because they can only take 2 payments a month that way, and since my last payment was XXXX they were counting that as two payments. They made me go through XXXX XXXX ( which charged a hefty fee for payment ). 

Today I looked at my account, and even though I called them in advance, and marked on the payment through money gram that it was to be applied to the principal- they applied it toward my next payments due ( on XX/XX/18, and XX/XX/18 ) which means that most of it again went toward interest. They now show me having a next payment due in XX/XX/2018. 

I cant see how I will ever be able to pay off this loan, if every payment made gets applied to future payments. They are taking interest they are not entitled to take, and keeping me in debt by refusing to allow me to pay off this loan.

I would like someone st the CFPB to review my case and see where this has happened, and how much I should really owe at this point so I can get this paid off. I am not rich, and I have to sacrifice in other areas to make these additional payments. I deserve for my extra payments to be used to pay off the loan. 

There are many others who have similar complaints. I would like the CFPB to look into loan marts practices, and force them to work with consumers to reduce the balance on their loans when additional payments are paid, and to be more transparent in displaying the loan balance. I shouldnt have to call each time to ask for the balance on the account.
Consumer complaint received 2018-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: DISCOVER BANK (FL)

I am employed as a XXXX XXXX for a XXXX XXXX XXXX  XXXX  XXXX/XXXX XXXX in California. From XX/XX/XXXX to XX/XX/XXXX, I handled 4 mortgage closings for this company, which was subcontracted by XXXX XXXX XXXX. I have yet to be paid for these closings. I have requested payment from XXXX XXXX and XXXX XXXX XXXX, which has not responded. The total owed to me is {$250.00}.
Consumer complaint received 2018-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

To whom it may concern, I have an issue with missing deposit payment in my XXXX account. More than 10 days ago ( XX/XX/XXXX ) a friend of mine transferred XXXX Euro from his XXXX XXXX based bank ( XXXX credit card ) yet I have n't received anything in my Coinbase account yet, however the transfer results successful from his side since XX/XX/XXXX. 
Considering the fact his account is in XXXX XXXX ( XXXX ) and currently Coinbase accepts transfers from US and XXXX only ( according to their website statement ), I assume this transfer will never arrive to me. Although I want to know when the amount will be returned to my friends account? 

I have tried to contact their team countless times via their official website ( case ID : XXXX ), phone ( waiting on the line for hours ), official XXXX account ( created topic and contacted their staff ). So far I do n't have any feedback where this money is and when they are planning to accredit/return it.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MN)

I requested a withdrawal by check and it was to be sent to me with my name as the payee. I have not received the check. The check was made on XX/XX/XXXX in the amount of {$100.00}. Transaction ID XXXX. 

On XX/XX/XXXX, I spoke with XXXX at American Express. XXXX. I requested a stop payment of the check. XXXX told me that an investigation would need to occur that would take 10 days. I told her that I wanted to file a dispute and was told that an investigation needed to occur. I told XXXX that an investigation was not necessary as the check was made out to me, sent to my address, and that I did not receive it. Absolutely, nothing but it will at least take 10 days for the investigation and another 10 days to appear in my account. 

I can not get through to these people, that this is not how it should work. It is purely unethical how they hold onto funds. 

This company is purely unethical. Because their agreement states that they can hold funds for 7 days+, they do. 

Another example of unethical business is XX/XX/XXXX I made a return to XXXX XXXX in the amount of {$180.00}. The transaction appeared on my XXXX statement XX/XX/XXXX ; however the funds were not available on XX/XX/XXXX. I called and asked and they told me that they needed to do an investigation. I requested what the investigation was as I was concerned that perhaps my information had been hacked. Then I was told that my cardholder agreement states that they can hold onto the return funds and they did for 10 days. Although it " appears on my card '' as a transaction of XX/XX/XXXX, it was actually 10 days letter before the funds were available. 

This company is sitting on consumer 's money for their profit. The money is making interest for American Express not the consumer. Very unethical.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (LA)

Please assist, this has really been a problem that has been out of hand and I have also went through you in XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to Diversified Consultants ( mispelled on XXXX ) and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on my credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MD)

On XXXX XXXX, 2017, I sent a letter to Receivables Performance Management ( RPM ) collection agency, requesting they ( RPM ) VALIDATE, not VERIFY a debt that they ( RPM ) is trying to collect from me. I specifically stated " Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I requested RPM to send me, in addition to a signed a signed agreement, the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM sent me a billing statement which does not, BY LAW, meet the requirements to validate a debt. RPM has reported delinquent information to the credit bureaus. I am requesting the delinquent information to be deleted from my credit reports immediately.