davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX  and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. 

I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I have been dealing with student loans since XXXX. I did not realize that taking on a debt so young and uninformed could be so damaging. I have taken loans with three universities. Each one graciously gave me the ok. to apply for money ( way more than needed ) and I would not be able to pay back. I recently watched a press conference held in Washington state in XXXX of XXXX. I learned very interesting information that affected me directly. While I was in school, all of my loans were placed in forbearance. I was never given the opportunity to participate in deferment. I understand that XXXX XXXX and XXXX engaged in deceptive practices and charged interest on top of interest. When I received statements, it was only, this is what you owe. There was never any clear breakdown and how interest was charged. Each time the loan was sold, the amount increased substantially. Currently, the loans are with XXXX. I had written the agency a certified letter requesting all original documents and a breakdown as to how much is owed and proof the amount is what is owed through audit certification of debt entry. This was done on XXXX XXXX, XXXX. They have not responded. Each time I call to inquire about it, I am placed in the endless que until I give up. In the meantime, I am making payments. I was asked to recertify. When I did recertify, I received a letter stating they were not able to grant the same plan and that I would receive a letter telling me what I had to do. The next letter I received, I was told that I did not respond and now have to pay almost 5 times as much. I inquired today XXXX/XXXX/XXXX. I was told my family size changed. I stated that was done in error but I was never officially told. I was told because all correspondence is done electronically. When I searched the electronic messages it was not there. However, I am still required to pay the overly inflated new amount. I am very frustrated and need a resolution. I am making attempts to pay. However, I need to know that the amount owed is completely accurate especially since it has changed servicers several times. Please help.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC (FL)

In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. 
As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year  work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. 

The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). 

My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? 

This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. 

What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has misinformation on my Credit Report. XXXX XXXX Bank Should show I owe them nothing instead of {$570.00}. After I closed the Account at XXXX XXXX XXXX  they kept adding charges to an already Closed account. XXXX XXXX was also closed with nothing owed And they kept charging the account after it was already closed. 

I want TransUnion to correct these XXXX accounts on my Credit Report to show I closed both these accounts with nothing owed.
Consumer complaint received 2017-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.
Consumer complaint received 2017-10-17
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. (NY)

I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accounts were added to my credit file that does not belong to me. Accounts are listed below : 1. XXXX XXXX XXXX {$10000.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$1800.00} 4.  XXXX XXXX {$1400.00}
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Security National Automotive Acceptance (LA)

On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?
Consumer complaint received 2017-10-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a savings account with Bank of America for several years now. It was the kind where you have to maintain a {$2500.00} dollars in it but, while away on vacation, my account went below that limit. 

In the past, I have had very good response from BoA and so I decided to call the company asking to, please, withdraw the fee as a courtesy since it was the first time in many years that this had happened. During the call I found out that, in fact, I was charged for two months EVEN THOUGH in my account web page ( which I have copied and attached ) I could only identify one month below the limit. At the end of that call, the representative said she could excuse one of the two {$12.00} maintenance fees imposed. 

For the whole year, this savings account has earned me XXXX cents in interests. By charging {$12.00} to keep the account, the bank is, in reality, going against the very definition of the word " savings ''. Furthermore, by not delineating clearly the balance levels in the account web page it is making it difficult for the account holders to defend themselves against the imposition of these maintenance fees. 

I have called the bank a second time but it has reaffirmed its decision not to withdraw ALL the maintenance fees and thus my plead to the CFPB to intervene on my behalf.
Consumer complaint received 2017-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.
Consumer complaint received 2017-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Consumer complaint received 2017-10-15
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: Experian Information Solutions Inc. (FL)

There is an unauthorized inquiry on my credit report made by XXXX Bank on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.