davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00}
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (IL)

The RCS Inc. transfer our loan to XXXX a XXXX on XX/XX/2016, they received a payment for XX/XX/XXXX on XX/XX/2016 but they never transferred that payment to XXXX. Now XXXX says that we are XXXX month of payment behind. Yesterday we received mortgage interest statement for 2016 and it shows one month payment only, but they got XXXX payments : XX/XX/XXXX and XX/XX/2016. They never transferred payment for XX/XX/XXXX to XXXX it looks like some of them put the money in to their pocket, the amount of {$3200.00} it 's gone.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC (NY)

United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.
Consumer complaint received 2016-12-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.
Consumer complaint received 2016-11-04
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SERVICE 1ST MORTGAGE, INC. (GA)

Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (AL)

The car was purchased in XXXX XXXX  from XXXX XXXX XXXX in XXXX. In XXXX i was no longer able to affordthe payments, i contacting them to turn over the vehicle. They came and got the vehicle and a few years later i recevied paper work that the vehicle had been sold in auction and they was request an additional amount of money for the balance. It has been about 14 or 15 years since i turned the car over and i am still reveiving lawsuits and threats or garnishment for an amount that i honestly dont think i owe. I work a XXXX job barely bringing in a {$100.00} weekly and they recently sent garnishment paper to ly job for 25 % of my weekly income
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.
Consumer complaint received 2015-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OR)

My wife and I contracted with a real estate agent for a short sale of our home. We notified all lenders, yet the XXXX lender required repeats on many of our documents, claiming they were unreadable or expired. Finally we were told all of our documents had been referred to the committee. After a months wait we were told they did n't have our real estate agent 's email correctly and our file was now paused. Documents were unreadable or expired. We are in our XXXX extension -- expiring at XX/XX/XXXX -- with a viable buyer because of this process.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a secured credit card with Capitol One, I had activity charged to my account in the amount of over XXXX dollars, and they closed acct, and issued new card, however the amount removed from bill ... they also did not re-install available credit amount that exceeds XXXX dollars
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.
Consumer complaint received 2016-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

XXXX XXXX, from U.S.Bank Consumer Banking Default Management did n't t fully resolve my issue in reference to someone using my personal information to open up XXXX checking accounts with U.S. Bank. Review Consumer Financial Protection Bureau Case # XXXX. I want to know is my name, date of birth and social security number clear for me to open a savings and checking account with U.S. Bank. I want to open an account with U.S. Bank, but I need to know has the XXXX fraudulent checking accounts been deleted from under my name, so I can open up a checking account with U.S. Bank.
Consumer complaint received 2015-08-20
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.
Consumer complaint received 2015-09-07
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.
Consumer complaint received 2016-07-17
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.
Consumer complaint received 2016-02-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (IL)

People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?