davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The tax escrow that is charged to me every month in including an entire year of two of my tax bills each month - - -instead of 1/12 of those taxes that will be needed in my escrow account. 

I have spoken to customer service, the tax adjustment group, and the escrow analysis group on XX/XX/XXXX, XX/XX/XXXX and now on XX/XX/XXXX. Each time I am assured that the problem will be fixed - but it has not been. 

The bank - - -Citizens One, has now begun to call me and threaten forclosures.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I called Experian again today to get a student loan balance taken off of my Experian Credit report. I have provided them, twice, letters showing paid in full balances for my XXXX student loans. The Experian representative was very rude, would not correct my account, let me directly send in the letters again, speak to a supervisor, and finally she hung up on me. This is unacceptable customer service
Consumer complaint received 2017-11-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (MS)

OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.
Consumer complaint received 2017-11-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

I had a XXXX account that was paid off in XXXX and closed and a XXXX account I paid off in full in XXXX. In the year XXXX I began receiving phone calls from PORTFOLIO RECOVERY saying I owed this money and they wanted a payment or bank info THAT DAY. I refused. I asked them to send me the information they had and they REFUSED. They would n't even verify my SS # or birth date over the phone. There is NOTHING on my credit report for XXXX XXXX and the XXXX XXXX account says balance is XXXX and account closed. These people have completely destroyed my credit. I REFUSE to send ANYONE money just because they call me and tell me I owe them and they want a payment today. I have tried talking to them, explaining the situation, and they tell me they want me to send them proof that I paid these off? This is at LEAST XXXX XXXX XXXX. I did n't save anything. Once I paid off my cards, closed my accounts I through it all away thinking I would NEVER need it again. I 'm at my wits end. I sent them a letter, but they are relentless and going online I have found hundreds and hundreds of people going through the same thing as I. I can not rent an apartment, buy a new car, or do ANYTHING I need credit for. I do n't know what else to do. I DO NOT OWE THIS MONEY and I believe they badger people like me to pay AGAIN knowing we can not do anything without credit. Please help me.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Specialty Service Inc (CA)

Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (GA)

My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

This CRA did not forward all my documents to the original creditor and ignored my efforts to get proof how they complied with The FCRA 15 USC 1681 623a7 and Utah law 70c-c72016, If this was complied with I would have known in advance these mistakes.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I cosigned on a vehicle for my son. Originally the dealer put the loan in my name with my son as to co-buyer. After I discovered this I had the dealer redo the loan and put my son as the buyer and myself as the co-buyer. 
The dealership did not file the corrected loan paperwork with Toyota Finance.
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc
Consumer complaint received 2018-06-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

I mailed a certified letter on XX/XX/XXXX to XXXX for them to provide validation for accounts that are appearing on my credit report. I received a letter from XXXX on XX/XX/XXXX that included a copy of my credit report and no proof that the account belongs to me. This is my second attempt and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the accounts listed below : XXXX XXXX XXXX Navient XXXX 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 to all accounts posted on my credit report. If the accounts are unverifiable they must be removed.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give Equifax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

Received a letter in the mail informing me that my account must be paid in full or risk repossession and Account would go to collections informed the company that I could only pay that amount that would put the status into a 60 day late notice rather than be into a 90 day late status told her that was not acceptable so I traded the vehicle in the loan was paid off prior to being a written off debt status or collection was improperly listed on credit report
Consumer complaint received 2017-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER CONSUMER USA charging very high interest rates. Checked pay off for my vehicle last month and it was XXXX and it went up this month to XXXX as the pay off amount. If anything it should be going down not up. I have been trying to refinance though another company, but no luck.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, XXXX, my daughter did a wire transfer from XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX in the amount of XXXX XXXX XXXX to my checking account. The amount was debited by XXXX from her account, and a receipt of the transaction is held by XXXX ( we have a copy ) ; however, the money was never received. We both have initiated multiple attempts to resolve the problem without success on her end with XXXX, and with Wells Fargo international representatives and Bank Manager. Wells Fargo 's latest letter to XXXX states that the money was deposited. The fact that it was not have been verified several times by the manager of Wells Fargo. Apparently, there was a digit missing for the account number, which, according to the XXXX manager, should have negated the transfer in the first place. It has been 5 months of back and forth, with my daughter having lost XXXX XXXX. This is unacceptable, and needs to be resolved. Thank you.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2018 at XXXX I contacted Wells Fargo to revoke authorization of debits for the company XXXX XXXX XXXX because they didnt disclose all of the hidden fees with me. A Wells Fargo representative acted as if he was filing a claim and gave me a made up confirmation number. Well on today when I checked my account the company XXXX XXXX XXXX had debited XXXX once again after I submitted a letter to the company and after speaking with a Customer service at Wells Fargo.i spoke with the bank again today they apologize and submitted a claim for real this time but now Im without my money because of an employee who I trusted at Wells Fargo.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (MT)

I had XXXX XXXX XXXX through XXXX  XXXX XXXX on XX/XX/20. Apparently a XXXX XXXX PA provided some service during the operation. The bill payment was denied because the physician did not submit the claim in time. The bill was resubmitted to the Va and denied again. The doctor turn the bill over to Thunderbird Collection Specialists. They contacted me by phone several times. They were told each time the bill was to be paid by the VA and to contact them After several calls to write and received a copy of the original bill. I then contacted the XXXX XXXXXXXX XXXX XXXX by phone. The community representative call Thunderbird Collection and explained why the bill was not paid, that I as a Va patient had no financial liability, and they were given the path to have that bill re-examined.

After confirming that was done I recontacted Thunderbird to reaffirm that the VA had indeed contacted them. At that time it was indicated to me that it did not matter what the VA said it was my bill an responsibility as the patient for that claim. 
As a VA patient entering or releasing that hospital I did not sign on agree to any such responsibility. 
I have in the past loss my temper with the repeated calls from the collection agency. 
I would like this issue resolved. I have worked had to increase my credit scores and reduce my debt. It is my hope as a XXXX vet to be able to by a home. Please stop these people.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

After hurricane Irma, received a letter from Wells Fargo, offering a 90 days payment relief, no late payments, credit report and the option of moving the relief to the end of the mortgage. Only took 60 days out those 90 days, before the due day I star calling Wells Fargo and let them know will start my regular payments expecting those two payments get move to the end of the loan. The said it can not be possible since they only service the account and need a new application and change of my terms. I was in chock and try many times to reasoning with them, specially after they were able to move those two payments on the home equity line, even try to get the name of those investors, which they never provided, those are cheap lies and they only try to either modify my loan and reset the clock back to XXXX and start collecting huge interest on the loan, or simple foreclosure my house since I start getting many nasty and aggressive letters from them. At this rate will be force to make those payments to avoid foreclosure actions on my House. They are lairs and they only thing the do is taking advantage of peoples miseries, does not matter how long or how well you pay your mortgage.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc. (NV)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BELMONT FINANCE LLC (GA)

On XXXX XXXX, 2020 I sent a certified letter to Belmont Finance LLC in reference to a negative account that they were falsely reporting on my credit report. They received the letter on XX/XX/2020 but did not respond. See attachment for the letter that I sent and documentation that they received the letter. I sent a follow up letter after the 30 days requesting the same information. later in XXXX I received a letter dated XXXX XX/XX/2020 ( definitely over the 30 day response time ) saying that my dispute was frivolous. This was not a proper investigation because I was never was given any of the documentation that I ask for proving that this account belonged to me after two attempt of asking for the information.
Consumer complaint received 2022-09-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My xwife has remodified my loan, and manufactured XXXX XXXX XXXX  stating I was on XXXX XXXX... .I 've never been in the military, and NOBODY seems to care about this