davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CA)

My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We closed a Home Equity Loan with Wells Fargo in XX/XX/2016. The loan has a fixed rate and a fixed payment for each month. Since we began making payments on this loan, we 've been paying more than the minimum due, and have requested that the overage be applied to the principal balance on the loan. Every month, the payments are not applied as requested, and Wells has instead used the overage to reduce the following month 's payment, which is not what we 've requested. As a result, the principal balance is not paying down as we intend, and Wells is charging us more interest than they should since they 're not reducing our principal balance. I call Wells Fargo every month about this issue, and they continuously instruct me to call my payment in and let them know that we want the overage applied to principal, which is exactly what I do every month. In spite of this, Wells continues to mis-apply our payments and over charge the interest on the loan. I have escalated this issue to their " executive area '' and just received the response that they 've analyzed my account ( for the third time ) and believe that they have applied the payment correctly. They then instructed me to call my payment in each month and tell them that we want the overage applied to principal - which is still what I 've done every month! I asked Wells to look at my payment history, take all of the overages paid to date and apply those against the principal as I 've been requesting every month. I also asked to have the interest re-calculated based on the lower, and corrected, principal balance. They have refused and said that they applied the payments correctly. I 'm attaching two analyses that I 've requested, one in XXXX and one in XXXX, that show all of the payments along with numerous reversals and mis-applications. There 's even a paragraph in the cover letter that states that they 've applied the overage against the following payment, rather than to principal, which is completely against our instructions. This is extremely frustrating in that I spend hours on the phone each month to first make the payment and instruct them how to apply it, and then as follow up to try to get them to correct it which they do n't. If they handle all of their Home Equity loans in the same manner, they may be charging consumers millions in extra interest every month, despite their wishes. Almost every time I 've called Wells to complain and have the correction made, the individual on the line has said that these accounts are causing problems and that they 're trying to correct their systems to handle the payments correctly. I feel as though this program is a sham as Wells is not allowing me to pay down my principal, despite the fact that the loan agreement clearly states that I can do so without penalty, and they are also charging me a greater amount of interest than they should because the balance is not being paid down.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Recoveries, Inc. (AZ)

I am being collected from XXXX different companies for the same exact debt. I have tried several attempts via mail and over the phone to resolve this and the debt collection company National Recoveries are lacking in a lot of areas. They refuse to listen to anything I have to say and keep trying to tell me its a different debt but can not prove it. I asked for proof of the debt and they sent me bogus papers that have NOTHING to do with the debt they are collecting on. I have printed up all of my documents to prove that the amount they are asking me for is currently through XXXX and I am in good standing with XXXX. I had a subsidized and un-subsidized loan somehow end up in a consolidation loan with XXXX/ XXXX , this was not in anyway known from me, since the information they provided to me is not mine other than my social number and the name. None of the addresses or phone numbers matched, besides the point, I worked out a plan with Navient years ago and now National Recoveries is claiming I owe them either the subsidized or un-subsidized portion which they still wont tell me which one. They lack in proving what exactly the total amount is that I owe them for, not how much, but for. I want them to disregard the debt and look at the documentation I have from XXXX, showing XXXX is in fact collecting on both of these debts. I am a XXXX and have 2 more years to go, if they even tried to get one cent from me, they 'd be wasting their time. Its a crime to attempt to collect the same debt and they need to be prosecuted for their actions. They are also alleging that an amount of {$2600.00} was taken then refunded back to me from US Dept of Treasury, this is FALSE, I have proof, documents that my identity was stolen 3 times in past 5 years, the amount mentioned above, is from the person who stole my identity, that was refunded back to that person, not me. Where they get their information from is terrible. I have police reports and letters from IRS proving I have been victim of identity theft several times.
Consumer complaint received 2022-11-10
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. (NM)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Late fee — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had fraudulent charges on my credit card. 
Capital One has had employees tell me different things which included the ability to re open the dispute and that the date coorespondence needed to be received by was not important. 
I provided information to them within 60 days of the charges and disputes but because I opened the disputes up in XXXX, I am not eligible for protection. The policy has changed from Employee to Employee and nothing is clearly a policy but discretionary. In turn, False advertising. 
As of Today, I now have been told differently and denied assistance by Capital One as they are not helping whatsoever with the fraudulent charges. Their employees are all saying different things and the consistency of information, policies or Fraud liability help does not appear to be as advertised. 
Their reasoning is solely based on me not delivering further information within 14 days when again, representatives at previous conversations explicitely stated the dates are irrelevant as long as it is within the 120 day period. 

I spoke to Visa and Visa says the policy is Capital One 's individually but Capital One does not have any sort of policy in writing and has not trained their employees to communicate accurate information.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My info was stolen at XXXX airport, wallet was recovered multiple days later from the airport security with information in my wallet in a different order than per usual. Over the years clearly it's been misused and I'm seeing this while trying to buy a home. Additional Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with too many inquires from over XXXX companies to fit.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AL)

My home burned down. I called for the pay off amount, spoke with someone, and sent that amount to rocket mortgage from XXXX XXXX. Someone called and stated that my home insurance needed to be updated. I explained to them that the house had burned down and that I'd already sent in the mortgage payoff amount. I got an email from them that it was sent to claims processing and a claim rep would be in touch with me soon (? ). I requested a telephone call with the representative they set me up with but we kept missing each other and were conversing via email. I had some questions and was directed to reach out to a different number. I did and the process and what was happening was explained to me. The claims representative had previously sent me a check for XXXX. They explained that that was to help me rebuild my house and that as progress continued I would need to send additional documentation. Also, that I needed to continue to make monthly payments because the check had been sent to my restricted escrow account. I thought I was good and had a handle on understanding the process. I then get an email from them that my insurance has expired and I need to upload an update so they won't add their hazard insurance. What are they insuring???!!! As a mortgage company they have been exceptional, and even in trying to assist me in getting funds to rebuild my house they are really helpful. Communication is terrible though. Maybe if I write this down someone will notate my account appropriately and contact me about what next steps going forward are and make sure that all departments are moving in the same direction. I've called and spoken with several people but still there seems to be a disconnect.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NV)

The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ALCHRO INC. (FL)

I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Weinman Acquisition Group (TX)

This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: West Bay Acquisitions, LLC (FL)

I checked my credit report and in collections there is a company ive never heard of called West Bay Acuqisition which I looked up and they said its a scam collection. It says it was XXXX XXXX 2015 which I do not recall any charges for XXXX dollars. I want this off of my credit report or something that shows me that I did make a purchase.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: FastBucks (WI)

on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.