davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

I have never concerned myself really about my credit because of how young I am. But recently I concerned myself with establishing my credit in order to purchase a car. I was very shocked to see that someone used my information not once but Four times. The XXXX issues I will be addressing with the same collector. 

DIVERSIFIED CONSULTNTS # XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1600.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1600.00} Original Creditor : XXXX ( XXXX ) Past Due : & gt ; {$1600.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$83.00} Original Creditor : XXXX XXXX XXXX Past Due : & gt ; {$100.00} & lt ; I have never done business with either of these companies. 
I have already reported identity theft with IdentityTheft.gov and the Your reference number is XXXX. 

I will also submit a copy of my Taxes for XXXX to show location during said time. 
I have not had the opportunity to establish a great credit score and now it seen it will be a while before I get the chance to do so because of this identity theft situation.
Consumer complaint received 2016-10-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (TX)

This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been a good customer of Capital One credit cards for four years. I also bought and paid for XXXX cars through Capital One bank. I have never once been so much as late on one payment. Recently, they asked me to switch to a new credit card called the Quicksilver. I switched, and the day I activated the new card they froze it and stated that they had concerns with my identity. I verified my account to them and they still would not tell me what they wanted. When I called customer service, they indicated that they would be sending me an email that explained things but would not tell me again what the problem was. I asked for a supervisor, they gave me one, who again would not tell me what the issue was or what the problem was. Again zero resolution and the service agent just kept talking over the top of me and telling me " what Capital One was going to do. '' So I said I wanted another supervisor, and he told me I would have to have one call me back in 72 hours, so I told him I wanted a supervisor and I would wait for one. This bank offers its customers the worst treatment of all time. They treated me like a criminal. What is worse is they indicated that although they have concerns about who I am they will still send me a bill, which I can then pay out of my bank account. So I told him I wanted to pay off the card, bring it to a XXXX balance, and then keep it open but never use it again. They said they would not process the charges. At this point I need your agency 's help to resolve this issue and no longer desire to speak to Capital One without your help.
Consumer complaint received 2015-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I setup autopays with Capital One. My monthly minimum payment was usually at XXXX per month. I checked my account today and they had a payment in the amount of XXXX pending to be withdrawn from my account. I called them immediately and asked why such a large payment? After sitting on hold for 5 minutes they came back and stated that I requested a payment on top of my autopay. Well of course I did n't do that and if I was stupid enough to do that then would n't there be multiple transactions? I informed them that the funds would not be available, that they would have to stop that transaction. I was of course informed that they could not and that if I stopped the payment through my bank I would be charged a late fee but if I could pay XXXX right now then there would n't be. They said that was my minimum payment so again why XXXX? I informed them that I would not pay them XXXX right now and that I am going to stop the payment, in which I did my bank informed the payment is n't even pending yet but charged me XXXX to make sure the XXXX does n't get processed. Capital One automatically restricted my card use. I have no problem paying my minimum payment but I feel that the XXXX was being withdrawn unlawfully and then they tried to strong arm me by giving me a late fee, raising my interest and restricting my card. I will not pay this card until all charges are refunded and a honest reason of why they tried to charge me XXXX is given
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. 
I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. 
Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: KEYCORP (OH)

I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IL)

I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington bank has again double debited my checking account!! This time it 's XXXX transactions totaling {$140.00} I have printed copies of the bank statement real time before they change it in the morning, like they did before, they are able to manipulate balance, erase deposits, shift numbers around so that it would be near impossible to figure out except for a brief period where the double debits show, I submitted printed copies of my bank statement showing transactions debited twice with balance once in pending and once in completed. They will change the numbers around ( meaning removing the pending transactions in the morning ) but will not change double debited balance!
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: POPULAR BANK (NY)

, Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (PA)

I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

I 've been calling them for over a week to get information on my application status. They 're customer service department is rude and unprofessional. I had to have my issues taken all the way to the top level of customer service and no real effort to try to keep a dissatisfied customer happy was made. I was highly referred to Citibank by a longtime customer. I have n't asked for any type of monetary compensation for the hours I 've spent on the phone with them, nor am I looking for any. I 've asked for my account to be closed in a timely manner and my deposit to be refunded in a timely manner or my card to be overnighted. They were unwilling to fill either request.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems Inc. is attempting to collect a debt for XXXX XXXX. I have never rented a car. I have asked for documentation that I rented the car. They have been unable to produce any proof it was me. 

No Proof = No Money
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (MN)

I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I received a letter from my bank, Bank of America stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MN)

I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.
Consumer complaint received 2017-01-05
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NV)

My bank is Wells Fargo, and there always seems to be a problem going on in my account.Some of the bank accounts were opening separate accounts, and moving money from XXXX account to the other.That a reason why my funds are low. I do n't want to move my money from XXXX account to the other.I want to solve this issue right away. I want a suggestion to see if there is a good online bank has great customer service, that is recommend to move my funds there.I would appreciate a response.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.