davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (FL)

Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. 
The contract should be deemed null and void. 
1. 
On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 
2. 
XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. 
The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. 

For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. 
We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Due to personal circumstances, I missed XXXX payment on my credit card in XXXX of XXXX, resulting in a late fee, which then resulted in an over-the-limit fee. Thereafter I continued making minimum payments for an additional 6 months. However, these payments did n't affect the balance on the card due to being continually charged an over-the-limit fee. I tried speaking to the credit card company, but not only did the person I spoke to have very broken english, they also refused my requests to cancel or freeze the account to stop the continued rising of the bill, regardless of payments being made. 
The only way to stop this from happening to the best of my knowledge at the time, was to stop making payments. Which I stopped making in XXXX of XXXX. I was then put into default. 

I originally signed up with XXXX as the credit card provider in late XXXX, then the creditor was sold to Capitol One, and terms drastically changed and so did customer service. My card was reported stolen in XXXX of XXXX, so XXXX different accounts are represented via my credit report, however they are the same account. I also had 70 months of continuous on time payments with this credit card, with XXXX 30 day late, then another XXXX payments after. 

With the company changing hands, I believe the fair service went with it. Due to this I was at a loss as to how to handle this situation with this company, and only today becoming aware about the ability to file this claim. 

I 'm also initiating this because of a judgment issued to me in what I believe is XXXX XXXX, shown via an online credit reporting website. I was never notified of this action or pending court date. I only became aware of this situation after I was given a letter by a seasonal employer, XXXX, which stated they would start to garnish my wages. I am no longer employed with this company, as this was seasonal work, and no garnishments were made. I then went to both credit reporting websites ; XXXX XXXX, and XXXX, in an attempt to find out what is happening. Both sites show that there was a default judgment in the amount of {$1600.00}. My credit limit was {$1300.00}.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (GA)

AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc. (IL)

Northwest Colletors is reporting a non paid red light ticket XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 
I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (FL)

I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

The account ( s ) listed herein are inaccurately reporting on my Consumer Credit Report. XXXX and XXXX. I request that the items be re-investigated and removed from my credit report.Please remove all items that the creditor who has reported them can not verify. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. I additionally request that Experian go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater.
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NJ)

Ally auto merged with Ally banking, but I was never informed. Never called or received a letter or email. I tried to log onto my Ally Auto account so I could pay my loan off in full and it wanted verification, but the phone number listed was incorrect. 
- XXXX first call : 4 calls- spoke with XXXX who said someone would call me back in 3-4 business days. 
XXXX - 5 calls : spoke with a rep who changed my username to get me to log on and it still was not working and then finally spoke with XXXX from XXXX. Was able to log me on. He said he would fix the username so it was the original username associated with my account and said give us 2 business days well call back once weve confirmed your auto loan is linked. 
XX/XX/XXXX - called back with ref # to check on status and they told me to give it a few more days. 
XX/XX/XXXX - called again XX/XX/XXXX - received missed call from XXXX - called back with ref # and STILL can not log on. Was given a new ref # and was told someone would call me back in 2 business days, here we are XXXX business days later and still nothing. 

I AM JUST TRYING TO LOG ONTO MY ONLINE PORTAL SO I CAN PAY OFF MY AUTO LOAN. I have the right to my own information and its absolutely ridiculous that almost 2 months later Im being given the runaround, because this company wants the interest and I could have paid off my auto loan in full 6 weeks ago, but after 6 weeks of back and forth and DOZENS of phone calls its absolutely shameful and ridiculous that these people are not helping me. I will NEVER bank with Ally ever again if this does not get resolved immediately.
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION (MD)

We have a Health Savings Account ( HSA ) with UMB Bank. In XXXX 2015 we tried to contribute to the account by electronic transfer. The UMB website froze during the process, so we started the transfer again. The bank then processed XXXX transfers resulting in an excess contribution. We contacted the bank about the excess contribution and they said we had to mail or fax a form for the refund and a {$15.00} fee would be charged and a refund would sent by check. We submitted the form and about a week later the account was debited for the over contributed amount plus interest and the fee was deducted from the account. We waited 10 days and did no receive a check. We contacted the bank and were told that a check had not yet been issued and contact them again at the end of the month if we did not receive the check because they were busy and can take up to thirty days to refund the money. Meanwhile no interest is being paid to us on the amount. They were not too busy to debit the account and charge a fee! A business practice to remove money from an account and the hold it for up to 30 days without interest seems unfair and poor treatment of their customers.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail.
Consumer complaint received 2015-07-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 1st Franklin Financial Corporation (GA)

Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MA)

I was refinancing a mortgage with Ditech ( formerly Green Tree ). I requested a copy of the closing documents be made available to me at least XXXX hours prior to closing. Ditech refused to provide me with these documents. Because Ditech refused to provide these documents to me prior to closing, it took over XXXX hours to complete the closing because I checked the documents and compared them to my files. I had the time and XXXX to take the time during closing to do this. However, many people may not be able to do this. 

It seems to me Ditech 's refusal to provide me with these documents prior to closing is illegal. I have given them this feedback already. However, if this is their standard operating practice, they should be held accountable by enforcement agencies for breaking the law.
Consumer complaint received 2016-01-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (PA)

Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

Im writing this letter to delete the following information on my file. The items that I will need deleted are listed in the report. I am a victim of identity theft and therefore I did not make the charge. I ask for these items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the following items as soon as possible.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My savings account with capital one has been on hold for XXXX months now and all I keep getting is the sorry excuse of they cant find the investigator and I never get a call from them about my account. I am trying to get the funds that are left and just stop doing business with capital one
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITIZENS BANK XXXX and CITIZENS BANK XXXX