davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.
Consumer complaint received 2015-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I've asked the FSA to reflect the correct amount owed on my consolidated student loans. Their site currently reflects a doubling of the amount owed because even thought I consolidated my loans, FSA nor my current servicer Mohela refuse to do anything about it. Mohela reflects the correct amount and was told by the FSA that they are the ones that are to tell the FSA the amount due. I'm getting no where.
Consumer complaint received 2016-09-10
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I emailed you saturday, It was cryptic which decrepit DIVERSIFIED CONSULTANTS HEADQUARTERS IN XXXX AND OFFICES IN XXXX. I TOLD THESE XXXX, FROM ( XXXX ) 4 TIMES TO STOP CALLING ME, HARASSING ME WITH THEIR STUCK ON XXXX ( HANG-UP ) AFTER 1 RING. SPOOFING THEIR XXXX NUMBER FOR A PHONY XXXX XXXX COUNTY NUMBER. DO COMPETENT PROFESSIONALS ACT THIS CHILDISH AND XXXX?! # This fraud deceit malice XXXX is paid for by XXXX. I do n't owe XXXX anything. I will never pay these XXXX thieves.
Consumer complaint received 2016-08-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (AL)

I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?
Consumer complaint received 2015-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation (VA)

I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.
Consumer complaint received 2015-12-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. 

Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. 

On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. 

My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP (NC)

the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-07-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent a western union ebill ( WU Pay ) for the amount of {$260.00} to Western Union which was withdrawn from my account on XXXX/XXXX/15. The should have been available in 1- 3 days. After 3 days, I did n't receive a email confirmation of the funds being available in my western union account. I called XXXX XXXX, XXXX XXXX and XXXX XXXX and was told my funds were not available because my bank did not release the funds. Each day I called I was told they were escalating my issue to the WU department and will be notified in 24 hours ( I never was notified ) .On XXXX XXXX, a representative of my credit union on I conference called Western Union. My credit union representative spoke with a Western Union representative and confirmed the funds were released on XXXX/XXXX/15. The Western Union representative stated he will escalate the issue. However, i have not received a refund of my money. I 'm concerned that Western Union is using this " lost funds '' tactic to keep funds that are somehow lost in cyberspace. How many people has this happened to?
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

FYI, On XXXX XXXX, XXXX XXXX XXXX called his XXXX account to check the balance. He discovered that his account balance was {$12000.00} in the negative. He contacted his father to see if he had any knowledge of why his account would be negative. 

On this same date, XXXX XXXX XXXX went to a local XXXX Bank, XXXX XXXX, Texas branch to discuss the account. At this time, it was revealed to him by the local branch that there were XXXX online transfers from his XXXX to his USAA Federal Savings Bank. 

XXXX XXXX XXXX advised the bank that he never authorized the transfers. On this same date, he was advised that there was a USAA local branch in XXXX XXXX, Texas that he could visit to discuss the transactions. 

On this same date, it was revealed to XXXX XXXX XXXX that his accounts was fraudulently taken over. Additionally, he was notified that someone somehow gained access to his account, requested a debit card, changed all security notifications to a number. 

Last information on the account is that all of the charges are over {$25000.00}. 

USAA Fraud Department XXXX x XXXX ; Case # XXXX USAA has informed us that the violator requested a debit card from USAA and that the debit card first XXXX digits are : XXXX the last XXXX digits are : XXXX The debit card was sent to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX violator 's Cellphone # XXXX USAA has since informed XXXX XXXX XXXX that they have made a business decision to terminate his membership and has determined that all funds owed are his responsibility.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : aCCONTS NAME : XXXX Accounts number XXXX [ enter late payment date XXXX XXXX [ enter late payment date XX/XX/XXXX [ enter late payment date XXXX XXXX equifax It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely,
Consumer complaint received 2015-11-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (SC)

My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud?
Consumer complaint received 2016-09-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

CREDENCE EXCELLENCE BEYOND BELIEF PROCESSED MY PAYMENT TWICE AND I HAVE BEEN TRYING TO GET THE REFUND FOR OVER A MONTH. I KEEP GETTING THE RUN AROUND AND HAVE PROVIDED PROOF AND STILL NO REFUND. THEY COULD BE PROCESSING DOUBLE PAYMENTS FOR A LOT OF ACCOUNTS. WHO KNOWS.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (IL)

I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.
Consumer complaint received 2020-06-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a voicemail from a XXXX number on XX/XX/2020 and that her name is XXXX XXXX and she explained that she is calling about a case that is being filed to my county office. She said by law she was making me aware that case # was being filed with the county and becomes a matter of public record & there is an order for my location. Since she could not reach me by phone she has been instructed to call my employer & speak to my supervisor since this will be the best place of locating me. She said I have the legal right to contact the proceedings office that is handling my case but I have to speak with them before my case gets filed because once my case is discharged from there office my legal rights are forfeited. The phone # to their office is XXXX. I have to speak to someone in their legal department and this is considered a legal notification to locate me. So I called XXXX and they asked me my name and case #, social security # and proceeded to tell me that I have an outstanding debt with Ace Cash Express and that they going to start proceedings against me and asked where I work and if I have a lawyer to put on file. I told them I never heard of a company doing this before and I will not comply with them. My boss texted me that morning and said that they called her asking if I work there, what is my home address and phone #. They also told her the case # and that they were going to send a sheriff to locate me and that I am in contempt and have allegations against me. I was extremely applaud by this manner. Even after they knew where I lived and I had never received any letters or anything from this company. I should not be threatened that I have allegations against me or that a sheriff will come for me over a debt. I am extremely upset they told my boss all this information and again told her there is allegations against me over a debt as well. She did not comply with them either.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I 'm having an issue with Equifax reporting items which the date of last activity is past the statue and items that there is no verification to support the information being reported. Several times I have request assistance and am not getting anywhere please assist. 
Credit Protection - Not my account I do not owe XXXX anything, I have a current account which is paid on time and XXXX # XXXX - Unverifiable and XXXX # XXXX - Unverifiable and XXXX # XXXX - Outdated and no verification to support