davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.
Consumer complaint received 2015-11-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I opened several CD 's of varying lengths with USAA Federal Savings Bank. 
I was told that if I had to close them early, I would have a penalty. I asked how much the penalty was and was told that it depended on the length of the term of the CD. 
But in no case would the penalty exceed the amount of interest accrued on the CD. 
I called today to close the CDs, and was told that the penalty would be over {$5000.00} on an account opened less than five months ago. I told them this is not what I was told but they refused to waive the fee even though they acknowledged the representative gave me incorrect information. 

Ive been a customer of USAA for over 33 years, I would not have placed the amount in an account for a long term had I known that the penalty would include principle. 

I can understand charging a penalty for the interest accrued but not for the principle balance of the CD. Especially when they admit the representative gave me incorrect information. 



I have spoken to several people at the bank and they acknowledge that the represenative
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
Consumer complaint received 2015-08-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.
Consumer complaint received 2016-07-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank allowed my XXXX year old, by going online to their site, to set up an online banking link to a custodial savings account with no questions asked and no notification of the adult custodian. He was also allowed to switch from paper statements to electronic with his email address as the recipient, so no one would know. He then was able to make XXXX separate ACH withdrawals totaling {$750.00}. The " Bankers '' at our branch were mortified, telling us that if he walked into a branch he would not have been allowed to conduct any business without the custodian on the account. They tried to help us but the only thing they seemed able to do was to refer us to the online banking fraud department. An " investigation '' was done, and not surprisingly, no fraud was found, as the end recipients of the transfers answered the inquiries saying there was no fraud involved. No one beyond the branch personnel seems to understand or take any responsibility for the negligence of the bank in breaking their own rules. Custodial accounts are set up to protect the money from underage individuals without the maturity to manage money. This has been a monumental breach of trust. I ca n't imagine we are the only people this has happened to. I believe the bank should restore the funds to the account, regardless of whether they can get the money back from the end recipients or not.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a payment of {$1500.00} over the phone to my Capital One credit card using a debit card as a form of payment on XXXX/XXXX/15. The payment cleared the debit card on XXXX/XXXX/15. However it never appeared on my Capital One credit card. I called several times about this issue and it 's still not resolved. Sometimes I had to be on hold for XXXX hours (!!! ) Finally they told me that they sent me a letter asking for the routing number and account number of the bank where I would like to get refund. However, I never got this letter. I called again and they took this information from me over the phone. Anyway, it has been more than XXXX weeks and it seems like Capital One is not going to refund my payment. 
Please see a debit card statement with cleared payment attached. 
My other complaint is that Capital One closed this card about a month ago stating that they did n't like the way I use it. I only did few purchases online for about {$2500.00} total and my card was closed. I have not violated any rules and I really do n't understand why they closed it. I used to have another card from them previously which I rarely used and it was also closed for no reason. If they do n't want people to do certain type of purchases - they should inform customers first about that instead of closing cards.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (LA)

My husband and I attempted to make a payment in the amount of {$100.00} on XXXX/XXXX/16. The payment was declined. We spoke with the account manager that evening and explained that we were waiting on a direct deposit to be put through. She advised that we needed to contact her the next day. The company continued to attempt the payment without our consent until it finally went through. No authorization to draft our account was given, with the exception of the attempt on XXXX/XXXX/16. When we notified the loan company of the issue, they became rude stating that we needed to make a payment, and that since we gave them authorization on XXXX, they continued to try to collect the amount authorized. The GM has been attempting to have the call recording pulled, but has not had any luck. We were under the understanding that the payment declined, and that we were to contact the loan company the following day. We were never informed that they would continue to attempt to draft our account until they got an approval. The payment that was drafted caused our checking account to be overdrawn.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credence Resource Management, LLC (FL)

I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.
Consumer complaint received 2020-06-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided XXXX  with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (IL)

Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (TX)

First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd. (VA)

An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.
Consumer complaint received 2016-10-21
Product: Prepaid card — Gift or merchant card
Issue: Advertising, marketing or disclosures — 
Company: Blackhawk Network Holdings Inc. (MI)

My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I applied for assistance in saving my home from foreclosure with BSI Financial. I hired an attorney to help me with my application. My attorney submitted my application on XXXX/XXXX/XXXX. BSI denied my application on XXXX/XXXX/XXXX stating my current contractual payment was below XXXX % of my gross monthly income. However, BSI made an error and used my Contractually due payment from XX/XX/XXXX in the review ( {$2100.00} ). Per HAMP guidelines they are not supposed to be using my Contractually due payment ( from XX/XX/XXXX ) in the review. They are supposed to be using my XXXX contractually due payment, which is {$2500.00}. My attorney was advised I would have to appeal the denial and we did so on XXXX XXXX, XXXX. Since XXXX XXXX, XXXX BSI has refused to respond to my appeal. I am told that per guidelines and RESPA Reg X, my servicer is not supposed to evade review and must reply to my appeal in 30 days. Today it has been 64 days since my appeal and I still have no response from BSI.
Consumer complaint received 2016-05-20
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Acceptance Solutions Group, INC (MO)

I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX  XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (OH)

I recently obtained my credit report in the midst of trying to buy a home. Upon looking at my account I seen several Accounts that are not from me, and that were open fraudulently. These accounts include an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank/target, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX and US Department accounts that are not from me, and that were open fraudulently. These accounts include in account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TD Bank/target, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and US Department of education . I attempted to contact each of these creditors, and they were not willing to work with me in or delete any other accounts on my credit score. This is defamation to my character, and it has prevented me from moving into my dream home with my family.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,