davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. 

Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was diagnosed with a XXXX that rendered me unable to work and was placed on retirement status ( Federal XXXX Pension ). I informed Capital One Union Plus of this information. I even received a XXXX grant from the Capital One Union Plus Credit card during the period that I was waiting for my retirement benefits to process. Capital one said they understood and would wait until my annuity began before taking any action on the account. The federal government took over a year to process my pension. Capital one did not wait and closed my account. Several times as noted in my XXXX phone log, between XX/XX/XXXX - XX/XX/XXXX I have called Capital one to pay the account as my pension was finally processed. They declined accepting the money to pay the account and then sent the account to collections ( XXXX ) instead on XX/XX/XXXX. Both Capital one and this collection agency are reporting negatively on all XXXX of my credit reports. None of this would have happened if Capital One would have accepted the payment at the time it was offered before the account was sent to collections. I feel like these are devious and unscrupulous games geared toward harming and/or discriminating against the XXXX.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (CA)

I bought a house XX/XX/XXXX using BBVA compass for the mortgage. Since that time I have been utterly amazed at how difficult they make it to make additional principle payments. I had my XXXX mortgage through XXXX and it was as easy as you would expect, I was able to adjust my monthly auto-pay to whatever amount I want and make additional principle payments as I desired. BBVA has policies that only allow the auto payments to be the base payment/amount owed, thus limiting the amount of principle paid. When I tried to make a XXXX from my outside account, it showed up as " unapplied payment '' when I called to ask about it I was told it would switch to " principle payment '' after the next cycle, it did n't. Now I have talked with them and the only way to pay additional principle ( that is even mildly convenient ) is to cancel auto-pay and mail them checks. They told me that if I set up a checking account through them it would be easy to make payments. What they did n't tell me in that conversation was that setting up a checking account would come with it 's own headaches. So, just to simplify the issue, I think the practices/policies of BBVA compass for mortgages auto-pay are designed to dissuade costumers from making additional principle payments and I view this as an unethical policy.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I sent dispute letters to Experian on XX/XX/year>. I received feedback on XX/XX/year> stating that they would not initiate the dispute as safeguard from fraud. I sent a copy of my drivers license, statement for proof of address, and my social security card providing the proof. I have a copy of the email that Experian sent to me as a stall letter. Experian 's refusal to reinvestigate after I challenged its accuracy of my consumer report is a violation of the fcra and I am willing to challenge them to the furthest extent. I have attachments for proof
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fidelity Properties Inc. (OH)

FIDELITY PROPERTIES Account # XXXX I have XXXX unverified accounts from FIDELITY PROPERTIES. I had previously disputed this account. I have never done business withFIDELITY PROPERTIES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FIDELITY PROPERTIES and I believe it is a XXXX violation. I request thatFIDELITY PROPERTIES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FIDELITY PROPERTIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers # XXXX
Consumer complaint received 2016-01-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (FL)

The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.
Consumer complaint received 2016-05-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX '', but now " Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account, the company did not or would not publish the balance or payment schedule. Now two months later, they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid, it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The " contract '' that says we agreed is not what we were told or given at the onset, the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State, immune from federal regulation and claims ( you will be limited in what claims, if any, you may be able to assert ), we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds, but this is excessive and was not disclosed at the onset.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I WAS APPROVED FOR A TRIAL MODIFICATION. I COMPLETED THE TRIAL PAYMENTS REQUIRED. I RECEIVED THE PERMANENT LOAN MODIFICATION. I SENT THE PERMANENT MODIFICATION BACK WITH A COPY OF THE QUITCLAIM DEED FOR THE CO-BORROWER. HOWEVER SPS HAD NO INTEREST IN ACCEPTING MY PAYMENTS AND INSTEAD INITIATED THE FORECLOSURE PROCESS AGAIN. I COMPLIED WITH ALL THE PAYMENTS. I MADE MY PAYMENTS ON TIME AND IN FULL. THEN SPS CAME BACK WITH AN APPROVAL, A REPAYMENT PLAN THAT IS NOT WITHIN MY MEANS.NOW THEY ARE FORECLOSING ON ME WITHOUT GIVING ME ANY OPTION TO AVOID FORECLOSURE. I COMPLIED WITH ALL OF THE TRIAL PAYMENTS. I SENT BACK THE SIGNED PERMANENT LOAN MODIFICATION DOCUMENTS. I MADE SPS AWARE THIS ENTIRE TIME THAT ONLY I THE PRIMARY BORROWER WOULD BE SIGNING THE PERMANENT LOAN MODIFICATION DOCUMENTS AND WAS TOLD THIS WOULD BE OKAY AS LONG AS I PROVIDE THE QUITCLAIM DEED, WHICH I DID. SPS RENIGED ON THE SIGNED AGREEMENT.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).
Consumer complaint received 2015-11-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Williams & Fudge, Inc (MD)

I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

In late XXXX, I had a problem with an application for an apartment where the landlord could not view my credit history. It was not for lack of credit, but an inability to access it. Something similar happened again around XXXX when I tried applying for credit cards, where my account could not be accessed. Conserned about this, I contacted all 3 credit bureaus and each said that it was due to lack of credit history. The same thing happened again with another application for an apartment in early XXXX, saying my account had some kind of lock on it. The most recent occurrence was when I tried to sign up for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and the website said that my social security number did not match my name.
Consumer complaint received 2017-01-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KEYCORP (ME)

We had an auto loan with First Niagara Bank and without our knowledge, the loan was purchased by Keybank. Our payments were made electronically to First Niagra every month on time. In XXXX of this year, we got a letter in the mail from Keybank stating we were in default. I called Keybank and spoke to a customer service rep and he asked me to email him a history of our payments and proof that we made to XXXX payment to First Niagara. I did just that and we continue to get multiple calls each day. We then went to a local branch to deal with them. We met with XXXX, the manager of the local branch and gave her copies of all the documentation. She stated she would take care of it. It has been close to a month since we met with her and she is now avoiding my calls. We do n't know which way to turn.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: ProCollect, Inc. (OK)

Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the FCRA
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (OR)

I have a credit card with online bill pay through Fidelity. About a month ago, I set up an electronic funds transfer ( EFT ) connecting my XXXX XXXX checking account with my Fidelity account so that I would be able to take funds from XXXX XXXX to pay my Fidelity credit card bill. When I tried to pay my credit card bill balance on XX/XX/XXXX, I received an email from XXXX, the company that processes payments made through Fidelity 's online bill pay, I was told that there were insufficient funds in the XXXX XXXX account ; however, my account had nearly {$9000.00} and the bill was for {$860.00}. There have been no record that Fidelity or XXXX ever tried to withdraw any money out of my XXXX XXXX account. Meanwhile, XXXX continues to send me threatening messages that I owe them money. I spoke with representatives from Fidelity, XXXX and XXXX XXXX simultaneously on the phone and they all blamed each other. On XX/XX/XXXX, I spoke with XXXX with XXXX XXXX who said he 'd call me back in 24 hours. He did not. On XX/XX/XXXX, I spoke with XXXX, who said that a manager would call me back within XXXX hours but was unwilling to resolve my problem. Fidelity has been nothing but unprofessional and unscrupulous throughout the entirety of this transaction.
Consumer complaint received 2015-11-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Principal Group, LLC (AL)

National Principle group calls me out of the the blue and stated I had i r took out a payday loan over the internet in 2010. Asked if I had ever lived at XXXX, and was my email XXXX. They then proceeded to tell me I took out this payday loan and deposited into my XXXX XXXX bank account. I told them I never had a XXXX XXXX account. I politely asked them to send me all the paper they had for my review. I did n't no tell them I have XXXX sisters that are XXXX. ) They told me me I was just causing time and I said no. I just wanted to follow the paper trail because there is always one. XXXX at XXXX x XXXX to me to pay the {$500.00} + dollars today and take care of. I asked her to send me in the mail all of her paperwork for my review. She said I was just stalling. She stated she would send it to my email, but I have n't seen anything.
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Enerson Law, LLC. (WI)

XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due. 
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. 
I called again around XXXX/XXXX/XXXX, and was assured again that all is well. 
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster. 
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over. 
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge. 
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. 
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. 
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. 
They need adult supervision before they cause a lot of damage and a lot of work for other people.