davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NY)

There were 2 calls ... 
Call 1.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with.. 

Call 2.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with..
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial (DC)

On XXXX XX/XX/2019, I contacted Spotloan on their main number XXXX XXXX XXXX XXXX to schedule a payoff of a loan I had taken for XXXX XX/XX/2019. Before I hung up the phone, I asked the agent if they would be taking the monies from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2019, I received a notice from XXXX XXXX XXXX XXXX that Spotloan had tried to take the money from this account, and that they are charging me {$29.00} for non-sufficient funds. I contacted Spotloan on XXXX XX/XX/2019 to find out why. They told me that they would call me back, and never received a phone call. I called Spotloan on XXXX XX/XX/2019 to figure out what happened. First the agent tells me that my phone isn't receiving incoming calls, but I never received a call, and I have no need to block them. Then the agent got my information to verify. They put me on hold to review the account. After a couples of minutes, the agent came back on to say that they reviewed the call and they wouldn't help me because I didn't specify the difference in banks. The agent told me that the bank on file and the bank I wanted the money to come from were the same because they were both credit unions. The agent stated that since I didn't specify the bank that they will not help.
Consumer complaint received 2019-11-05
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (CA)

Williams and Fudge employee XXXX XXXX  has called multiple third parties asking if they know me but stated that he does not know me personally. He has called an aunt and a co worker with whom I do not speak to on a regular basis. The debt he is asking about is a false debt, not owed and is an incorrect amount. I am already paying that student loan debt through XXXX. XXXX needs to stop all contact to any third party that he feels is connected to me.
Consumer complaint received 2019-11-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Presently asking to have the support with the monies in escrow immediately released to present roofing company that performed the work and must be paid and must help me to complete my closing XXXX XXXX to provide a noc termination. My closing is late and monies held against my many requests to release these monies to pay roofing company that has completed the project. Monies are to be released immediately and w my  request to have a copy of this protected escrow agreement is to be respected too. 
I have no copy of the agreement and have asked this many times and asked to be released to the contractor {$19000.00} + {$9000.00} to XXXX XXXX immediately Have been asking to have this completed more than 2 months. This is monies that is insurance monies and the work has been completed and we have been previously asking to have this pretty much 2 months beginning XX/XX/2019. 
The {$6500.00} is to be credited to my payoff to close my loan XX/XX/2019. 
The bank has been holding on to at least {$40000.00} close to 2 years in a protected account and I have asked to have the agreement on the account protected escrow and where has the interest been on this monies. The people at Rushmore Loss Draft keep on pushing me from person to person without any cooperation and have been many times requested to release the payment in to the roofer and to put monies that are above this in my payoff {$6500.00}. This was to be completed XX/XX/2019. 
This is now late and my payoff {$120000.00} was to be completed then. They are holding on to my monies and putting more monies on me and I have asked the to work with me and now my home is in a vulnerable position and they are sending this in to have a court date of my home to be sold on XX/XX/2019. 
Please help this is very serious.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXasked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this matter,
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OH)

Black Hawk Network has lost {$800.00} of my money. 

I purchased four {$200.00} [ {$800.00} total ] MasterCard gift cards from Black Hawk Network in XX/XX/XXXX. 
On XX/XX/XXXX I attempted to make a purchase at a grocery store using each of the 4 Black Hawk Network gift cards. 
All 4 purchases were declined with a " Not Authorized '' message displayed on POS terminal.

I immediately checked the balance of each Black Hawk Network gift card using the phone number & website on the back of the cards.

All 4 cards ' balances were XXXX dollars. 
The merchant confirmed that the purchases were declined and no money was charged to the Black Hawk Network gift cards. 
I waited 2 days for the funds to be automatically returned to the cards. The funds were not returned. 
On XX/XX/XXXX I called Black Hawk Network to ask for assistance. They instructed me to file a dispute and told me that I will receive a dispute form by email. 
On XX/XX/XXXX I received the dispute forms after calling Black Hawk Network again to request the dispute forms. 
On XX/XX/XXXX I submitted 4 dispute forms ( 1 for each card ), photographs of all cards, and an explanation of the declined transaction & disappearing money problem to Black Hawk Network by email. 
On XX/XX/XXXX Black Hawk Network verified by phone that no additional information was needed from me to process the dispute. 
On XX/XX/XXXX Black Hawk Network advised me that their investigation will take 90 days and that they may not return the {$800.00} they lost to me. 

This is a wide-spread disappearing money problem showing the " Not Authorized '' message ( declined transaction ) involving specifically Black Hawk Network MasterCard gift cards at many different merchants. 
Please assist me in requesting Black Hawk Network to send me four {$200.00} replacement cards. Thank you.
Consumer complaint received 2019-11-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (WA)

We were denied a VA loan through Veterans United after making several payments well into the process. The reason given for the denial was the distance between my job and the house. I contend that it was known where I worked and also where I was looking for a home early enough by VU to advise me on a proper course. This is my first attempt at buying a house, and I think in the history of home loans I am not the first to move from one job to one closer to home. I was asked when I received the first pre approval letter, where the house was and stated XXXX WA. The loan Officer had all of my information, such as mailing address and the address of my job, but the question didn't come up until very late in the process. Payments for earnest money ( XXXX  ), home inspection ( XXXX  ), water quality inspection ( XXXX  ) not to mention the cost of trips to the area that were in excess of XXXX. All through the process I shared what houses we were looking at and where they were located. Pictures and addresses were sent to the officers for their opinion. When I was finally asked about the distance, I informed them that it wouldn't be a problem for me, VU had me write a letter explaining how I planned to handle traveling to and from work, I did that and was told it wasn't good enough and that in the letter i stated i would be getting another job. It was confusing, on one hand I'm not supposed to change jobs and then I have to have a job closer. We got to within a VA appraisal of getting the house, almost like a child being born, only to have our Hopes and dreams dashed. Not only do we not have a house, but the owners of the house we wanted refuse to release the earnest money and the only way to get it back is to arbitrate or sue for contact breach. We would have moved closer and found employment if we knew this would be the outcome. I also contacted VU with my concerns and was informed the company is not responsible for the money we put out, but it would not have happened if we were told this from the beginning.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

I found a fraudulent credit inquiry in my XXXX  credit report. 

The inquiry was made on : XX/XX/XXXX By : TD RETAIL CARD SERVICES XXXX XXXX XXXX XXXX, NJ XXXX I have not applied for any credit since XX/XX/XXXX when I applied for a Visa from XXXX XXXX XXXX XXXX I did change address on XX/XX/XXXX, and the information for lease approval may have been fraudulently used to make a credit application.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (GA)

Anew card was issued to someone from Direcr Express to another person, I did not request this, this person removed y money in the acct. and waited till my direct deposit was put on my acct on XXXX. They made 3 withdrawals from an atm, our card is now closed and theirs is too for fraud. Please help me solve this and try to recover our deposits. Im a XXXX mother with an XXXX XXXX. Please thank for your help ... we only receive XXXX a month, and need XXXX, with paying bills. 
Thank you
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AR)

In XXXX of this year we was hit by a tornado and our house was severely damage by a XXXX pound tree falling on it. We contacted insurance and our mortgage company. I wanted to skip a payment cuz we had no clothes or anything and was informed by my mortgage company XXXX XXXX XXXX XXXX XXXX that they offered a disaster relief program and that it was standard to take is since our home was unlivable that they would put our payments on hold until the house was rebuilt. I was reluctant to accept cause I told the agent I wouldnt be able to pay such a large sum back at once when the house was done to which the response was to not worry we would just do a modification to the loan and move payments to the end of the note. The bank has held us up every step of the way and made it very difficult to get money to pay for repairs. After 5 months we are fixing to move home and my program has ended. I tried to start making payments but was told I couldnt and I needed to pay over {$6000.00}. I told them my agent had sent me paperwork to do a modification to the loan. I was told that the application couldnt be sent in because although my program had ended the case wasnt closed and that it would take some time to process. After two weeks it still wasnt closed and they reported to my credit that I was 180 days delinquent so my credit score plummeted. After reporting to credit bureaus they have started processing my application. I feel like Im being railroaded or scammed by the bank and they are intentionally doing things to cause these issues for their benefit.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc. (NC)

The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Only XX/XX/2019 I was given a written offer to settle my charged off credit card account with Capital One for {$1000.00}. This amount was to resolve the matter and be reported as " settled in full '' On XX/XX/2019 the payment was processed and a confirmation email was sent from Capital One on XX/XX/XXXX stating the payment was successfully processed. 

Since this time Capital One has continued to report negative to the credit bureaus as " past due '' and has also continued collection efforts. 

In XX/XX/2019 I requested an investigation take place with the Capital One investigation department and I received a letter dated XXXX XXXX, 2019 stating the investigation has been completed and I still owe the remaining balance. 

I believe this constitutes fraud and " bait and switch '' practices.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I received several emails from synchrony bank stating that a trial deposit was sent to my amazon credit building account I dont have any amazon credit building account and when I tried to call the 866 number it was invalid. When I did get a hold of someone at customer service they said it was sent out by an error.concerned about what else they might send out in error
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (FL)

I do not have a signed contract nor any contract with LENDING CLUB CORPORATION. I have never done business with this company. I am not liable for collection from this debt from LENDING CLUB CORPORATION. I am not responsible for this debt with LENDING CLUB CORPORATION. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I checked my credit report and saw and account from MEDICAL DATA SYSTEMS for {$840.00} for XXXX XXXX. I had no knowledge of this account and have never received any notice in regards to the account or how to dispute the account.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have an approved fraud claim from Synchrony Credit dated XX/XX/2019. This account was originally a Paypal Credit account but after they merged with synchrony and transferred all the data on accounts on XX/XX/2019 they claim to have lost my approved fraud claim and started negatively reporting the account as delinquent in XX/XX/2019. The account has an approved fraud claim and an approved paypal buyer protection claim, both claims have the end result of me not being liable for the purchase. Ive tried to contact paypal/synchrony and they refuse to fix the information. The paypal buyer protection claim was approved on XX/XX/2019 and this information was given to me by an employee named XXXX with employee ID # XXXX on my XX/XX/XXXX phone call with synchrony bank.