davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control. 
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an " inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with TD Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think TD Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.
Consumer complaint received 2016-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MA)

I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (WA)

Halsted Financial Services continues to call me at least 5 times a day. When I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I do not owe any outstanding debts and have told them to quit calling me. I have told them I would contact the CFPB and file a complaint. They hung up on me without saying good bye. This needs to STOP. The caller idea says the company is Halsted. But different area codes keep turning up on my caller id from XXXX, XXXX, XXXX, and XXXX area codes. Please ask them to stop harassing me over a debt that I do not owe.Have t
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from Portfolio what a did receive was a letter and copies of statements but no contract with my signature. Portfolio now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My ex husband opened an XXXX XXXX account 12-15 years ago. While married I was on the account as a authorized user. We have been divorced for 12 years. Shortly after the divorce he took me off as a user. I have asked him for years to make sure I was taken off because still to this day his balance on that credit card shows on as my debt on my credit report. I have attempted to call the company and its very difficult to speak to a person because obviously I have no account information because we have been divorced for 12 years and live in different states. I finally spoke to a person and they said I had to submit in writing, which I did. After a few months of not hearing a response I called back and was told I was not any where on the account but if my concern was the reporting to my credit report than the account would have to be paid off in full and my ex husband would have to open another account. This {$10000.00} debt has hindered my credit score and my ability to buy a house for years and I am feeling like I am out of options for getting anything done through XXXX XXXX. Any help on this matter would be appreciated.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC (GA)

PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (FL)

They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency
Consumer complaint received 2016-06-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Bank keeps reporting to the credit agency of an account that they took over from XXXX companies Orchard Bank and HBSC which at one time I had accounts. these are very old over 15yrs old had diputed them off my accounts and never put back on until Capital One Bank now keeps putting this account on my report I have called numerous of times They would respond okay our mistake it would be removed but they would again and again report Please have them remove this account I had XXXX credit companies help me XXXX XXXX and Credit resolutions it would be remove but back on after a few months. I would greatly appreciate any assitence you could give. thanks
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. 
I 'm planning to apply for a mortgage loan and it 's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment fees. 
Thank you for your consideration, and I hope you 'll approve my request. 
Best, XXXX XXXX XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I have had navient and was never properly advised for my best recourse. I also payed and they would state it was late or not paid, which ruined my rating. My attempt to contact is never responded to. I am drowning in debt and navient keeps finding new ways to increase my interest so no matter how much I did pay, I was always owing more.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CO)

I make a payment every month of about {$200.00}. I have n't put charges on this card for about 2 years. But every month i owe more than the month before. I am wasting my money trying to pay this card because of all there fees and charges that I am not even sure what they are for. 
I am a month behind so I get about 5 calls a day they are recordings telling you to hit one for a representative. The recording does n't state who it is from. When you try to talk to them their English is bad and wo n't explain fees. I just do n't answer the phone if it is their number.
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}
Consumer complaint received 2016-06-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Student Aid (USA) Funds (MI)

In regarding the fraudulent accounts that USA Funds have tried to collect. The company refuses to provide validation. The company refuse to take in consideration that this debt is not mines and was open fraudulently. They have no original contract, they have no original documents, no documents that states they own the debt or can collect on the debt. I 've found out that the original creditor they claim they 're collecting for, has never heard of me. This company is practicing fraudulent agendas and have no regards for the law.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (FL)

CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX