davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Today, XXXX I contacted USAA and closed my checking, savings and credit card accounts. When I asked them to close my membership they refused. My membership contains my PII, including social security number, date of birth and home address. I let them know this and after talking to XXXX different people they flat refused and disconnected the call.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC 45 unfair and deceptive trade practices, On XX/XX/ a notice of payment error w/ instructions and remittance coupon was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered mail XXXX XXXX XXXX XXXX XXXX,. In response to my recent correspondence from XXXX XXXX he had my account closed, defamed, discriminated against me and violated my confidentiality and the nature of our interaction. 

the following codes were violated 18 USC 242- Deprivation of rights See Exhibit A notice of billing error for other violations Exhibit B Registered Mail for Security/Payment : Exhibit C replica of Security/Bill of Credit/Payment/Coupon/Remittance :
Consumer complaint received 2015-08-03
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

Navient failed to correctly apply or allocate borrower payments to my account. I signed up repeatedly for autopay and Navient would send me confirmation of enrollment in autopay and then not take out my payment and charge me late fees. Navient refused to give me options to pay by income and forced me to deferr my students loans by paying for this deferment which negatively affected my credit score and interest continued to accrue. As well, they obscured information consumers needed to maintain my lower payments because during school I was told I could have a pay by income option, but did not get that opportunity. Navient also required a full payment weeks after graduation which is not feasible time to secure a job and get a paycheck to make a payment. Navient also lied about requirements to release my cosigners from my loan and it went from XXXX months of one time payments to XXXX years.
Consumer complaint received 2015-05-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NH)

I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Universal Recovery Corporation (CA)

I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCA Collections, Inc. (SC)

I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.
Consumer complaint received 2016-07-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (FL)

I received a bill from this company LVNV Funding regarding a debt, they are contacting and stating to file judgment against me in 30 days and I can not recall having this debt! How old is it? And who are they?? I reviewed my credit report and the debt does not appear on it!
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Mortgage account number XXXX I have contacted Citimortgage by phone, email, and by chat. The loan was paid in full and XXXX XXXX sent an automated payment afterwards. Citimortgage is stating that it was not received and XXXX XXXX is stating you received it. I am elderly ( XXXX ) and on a fixed income and. Payment was made on XXXX/XXXX/2016 and would like these funds immediately. Enclosed is a copy of the XXXX XXXX XXXX. 

XXXX/XXXX/16 Collapse Transaction XXXX with description : BILL PAY CITIMORTGAGE XXXX ON XXXX BILL PAY CITIMORTGAGE RECURRINGXXXX ON XXXX {$540.00} Sincerely yours, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OR)

I have been through mediation meetings and have done all the required steps that Seterus has asked of me regarding my deceased husbands mortgage/loan that I inherited after his death in XXXX, but they still have everything under his name and social security. I have been trying for two weeks to find out when they supposedly mailed my permanent modification documents for my review and signature but they can not say when. Even my XXXX counselor tried calling on my behalf and they would not talk to her. I get only machines and everything is still under my dead husbands rates ect. 
I made my XXXX trial payments on time and they even addressed it to him. I am getting nervous since XXXX XXXX. is coming quick. I do not even know if my payment will have to be on the XXXX of the month like his was and what percentage rate I will be at now. He has been since XXXX at a 7.12 % which I always said was ridiculous and should have been lowered along time ago. My filing a Small Estate Affidavit with the Courts should have resolved all the issues of addressing to him and not me, but it has not!!!!
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (GA)

I mailed in a certified debt validation letter to the credit bureaus in reference to the collection company called XXXX XXXX on XX/XX/2018. By law a collection agency must mail in proof that legally shows a consumer is responsibly for the debt. Mailing a bill is not proof that I am responsibly for the debt. XXXX XXXX failed to provide accurate information within 30 days from the date of the dispute letter, and is direct violation of my FDCPA, and my FCRA rights, and has to by law delete this information from my credit file.
Consumer complaint received 2018-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.
Consumer complaint received 2015-11-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (CA)

I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated.
Consumer complaint received 2015-10-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management (MI)

XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter.
Consumer complaint received 2016-10-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company (CA)

Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}