davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I receive calls and my family member on a daily basis for years now. The phone numbers use are many and sometimes they leave threating deceptive messages Yesterdays message on XX/XX/19 @ XXXX My name is XXXX XXXX I a.m. reaching out to you today as a courtesy and regards to documentation that was placed with me ______ your name and Social Security number I've been asked to review this matter and I wanted to give you a chance to provide a statement on your behalf prior to my recommendation being made it is imperative that I speak with you to discuss this matter further I can be reached directly at XXXX ___ I'm calling referred to file number XXXX XXXX The debts are over 4 years old and they continue to harass me.
Consumer complaint received 2019-02-24
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: Resurgent Capital Services L.P. (MD)

Resurgent Capital Services has again given another generic response. The are providing their statement of balance with no attached proof, documentation, nothing of original or accurate with this account they are reporting on my credit report inaccurate. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They havent provided anything that FCRA requires per Section 611 ( 5 ) ( a ) of FCRA ; Section 609 ( a ) ( l ) ( a ) & Section 611 ( a ) ( l ) ( a ) of the LAWS that protect me.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (MS)

Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the CMRE agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (AL)

Unsure what this debt is?

Last Reported XX/XX/XXXX Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00} Remarks Placed for collection
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (AL)

I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.
Consumer complaint received 2019-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.
Consumer complaint received 2019-02-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I sold my car, XXXX XXXX XXXX, on XX/XX/XXXX. The dealer sent the check to pay off the loan, which was processed on XX/XX/XXXX based on the confirmation mail from XXXX XXXX XXXX. Since then, XXXX XXXX XXXX  has delayed the lease of the lien, blocking the completion of my car sale over one month. I have contacted them several times, and they have made unrealistic and false excuses. The most recent excuse for this delay was that their request to release the lien was reject by the Virginia DMV, where the title is currently kept. The email communication with the Virginia DMV indicates that they have actually never submitted the request. The car VIN No is XXXX. My account no was XXXX.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I signed up in XXXX for an email {$200.00} debit card promotional offer ( for having a credit card. ) i was told I could do ONE OF the followings, have a {$500.00} direct deposit for 3 months, maintain a {$3000.00} balance OR use the card for 10 different transactions spending {$1.00} or more 3 months in a row to be eligible for the reward. 

I open XX/XX/XXXX and completed my 3 months and started contacting them. Called 2 times in XXXX to be told I would receive it. Got a letter from promotional offering saying I didnt meet the qualifications. Called XX/XX/2019 and they said I had to go talk to a banker in the store. Went in and she updated my tax info and said Ill get it within 4 business days. Called again a week after that and was told they would submit a credit to the credit department who sent me a letter saying I did not meet the requirements. They lied to me about the promotional and they are a joke. Ive spent hours on the phone with them trying to get my promised credit and wasted time. I have even talked to a surpervisor during one of my calls for her to tell me she cant do anything and I need to be transferred to a different banker- who couldnt do anything because it was the online tech support department! Horrible customer service.
Consumer complaint received 2019-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I called today XX/XX/2019 in reference to a dispute file # XXXX that was dated XX/XX/2019. After talking with a rep that didn't understand what I was requesting I asked for a supervisor. After the supervisor XXXX came on the phone I explained that I am requesting a Method of Verification letter referencing the file number stated above to be sent to me as per my right under the FCRA. He stated that there was nothing they could send out. I continued to explain that I have a right to that information and he stood firm in there was nothing to send me. Their ignorance of the law or just outright unwillingness is unprofessional, unacceptable and a violation of my rights.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-02-26
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. (GA)

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( Experian & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( Experian & XXXX  ) Identity Theft Account : XXXX XXXX XXXX  ( Experian & XXXX ) Inquiries : XXXX XXXX XXXX ( 2 Times )XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (CA)

I received a letter from Recovery Solutions Group , LLC on the second week of XXXX trying to collect a debt addressed to XXXX and XXXX ( letter enclosed ) for the amount of {$4700.00} for the services rendered by XXXX XXXX XXXX XXXX for the Company ( XXXX XXXX, LLC ) entity # XXXX registration date XX/XX/XXXX and is still active. XXXX XXXX is the agent and president, jurisdiction is California and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX.This business is a single location in southern California . I ignored the letter thinking it must be a mistake. XX/XX/XXXX I received a phone call From XXXX XXXX ( Legal Coordinator ) for Recovery Solutions and she left a message regarding a debt and file # XXXX so I called her back and inquired about the call. She said I owe her client XXXX the above amount because I worked for XXXX XXXX XXXX entity # XXXX. I explained to her that there must be a mixed up and mistake since XXXX went out of business in XXXX and California Secretary of State suspended its permit and I have been retired since then. She asked if there is a relationship between companies and I said no, she asked if I know those people and I said no, but she did not believe me and mailed another letter to me and the lawyers ( agent XXXX XXXX XXXX ) who processed XXXX 's business permit back in XXXX. What I'm trying to explain here is the two companies have no connection at all and that they ( Debt collector ) can not go after another company just because they have similar names even though there are proof of documentations to prove it or maybe their investigators did not do their due diligence properly. XXXX is also a single location business and was located in Northern California. Also the transaction in dispute between XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX transpired in XXXX which is very recent and in southern CA. I am enclosing supporting documents to prove that XXXX XXXX XXXX which is already out of business since XXXX has no connection whatsoever to XXXX XXXX, XXXX and that XXXX XXXX is the person they should be pursuing and XXXX XXXX, XXXX not XXXX XXXX XXXX.
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX  XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.
Consumer complaint received 2019-02-28
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: Riverwalk Financial Corporation (IL)

I received information from another company I do business with that they were lowering a few account limits to include one company which closed my account because I had a new derogatory mark on my report placed there by XXXX XXXX XXXX which is located in XXXX, Tx I didn't even know who this company was. So I waited a while and never received anything from them after a week I looked my report up through XXXX XXXX and got reminded during that time I have a collection against me from this company so I looked up the company and tried to call to which my phone call never went through the next morning I emailed them asking for validation of this debt they claim I owe them to date I still have never received anything which was requested more than a month ago so tonight I went and looked them up via the internet to find information stating they are a part of some scheme and has been closed by the FBI being worried by this information I now know I was correct with not recognizing this company I read as much information as possible to include finding out they aren't even registered with the state of Illinois by not being currently registered with the Secretary of State to conduct business within the state I live in ... So why can a company who practices illegally ( morally and physically ) put a collection against me without proving to me that this debt is mine even after requests I'm so confused and angry about this
Consumer complaint received 2022-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I made a transaction on XXXX using my Chase XXXX account to which I was scammed. I called Chase to make a claim and spoke to a claims supervisor named XXXX ( badge # XXXX ) and she told me that I had no recourse of action. I questioned her about regulation e and she informed me that XXXX doesn't fall under this. The scammer received {$120.00} from me and she didn't even want the information to investigate the details saying that it was not the bank 's responsibility to shut this scam down. Please help!
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have been paying my mortgage lender Quicken Loans on the same date since the inception of my loan via automatic withdrawal Suddenly two months ago XXXX my bill for my loan reflects that I owe two payments and I am one full payment behind. The loan service representative assured me I do not owe two payments. She then stated that quicken loans changed the date that they process the bill and therefore your bill will always appear as over due. This is unacceptable to me as Ivhave never payed payments out of the grace period. And although the bill do not show that later payment fees are due. But it states I owe two payments. After seeing how the banks and lenders previously took everyones homes during the mortgage crisis about 10 years ago ... I am concerned about predatoryvaggessive collection set up whereby it would reflect if someone such as myself fell behind in one paymentbit would show I was behind And owing 3 payments. You should look in to this. Is it legal to change the condition of a loan such as the payment processing date so people are two months behind in payments? I am going to contact legislators to inform them of my serious concerns. Please respond.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (LA)

My complaint is regarding the rewards program with XXXX 's XXXX Master Card issued by Synchrony Bank. I have been a customer for approximately 15 years and my rewards check has always been issued on XX/XX/XXXX each year. This year a couple of weeks prior to this, I received a letter stating that : " For your convenience, starting in XXXX, the XXXX XXXX XXXX Mastercard Cash Back Rewards you earned in XXXX will be automatically loaded onto your XXXX XXXX XXXX membership. We will no longer issue you a check. Look for the blue envelope with your Rewards Notification Letter to confirm when your Cash Back Rewards are loaded. Once loaded, you can redeem them at any U.S. or Puerto Rico XXXX XXXX XXXX. '' I waited for the " blue envelope '' delivered in my mail on XX/XX/XXXX. I went to my local XXXX XXXX XXXX and attempted to redeem my points and was told by the customer service agent at the store that the points amount had not been loaded onto my card yet. They called customer service at Synchrony Bank and we were told it could take up to 10 days for the amount to be loaded onto my card and to check back on the XXXX or XXXX. 

I returned to the store on the XXXX to find that the points amount had still not been loaded so we called customer service at Synchrony Bank again and was then told that there was a " glitch '' in the system and some customers funds had not been loaded and I should check back with them in about 14 days from the date of issue of my letter. 

I called again on the XXXX, exactly 14 days after the date of the letter and now they tell me to just keep checking because they don't know when the " glitch '' will be fixed. 

I phoned again today XX/XX/XXXX and was told that the funds are still not loaded to my card and again they tell me to just keep checking. Not that it should matter how big or small, but my reward amount is over {$1400.00}. I asked them if they would be paying me interest ( 25 % ) on my money that they can't seem to release, because this is what they would be charging me on an unpaid balance. I also asked them if they could simply send me the check in the mail as in years past, but they said no they could not do that. 

Surely I am not the only customer this is happening to and I don't care how they resolve it, I just want a resolution soon. Can you please help me?
Consumer complaint received 2019-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I have spoken to Navient customer service several times regarding my loans fees and it's current status. In early XXXX 's we were " tricked '' ( Salliemae at the time ) into forbearance to have " extra '' money for the holidays or because we were late on a payment. In XXXX we missed a payment and I have now noticed that we have been charged 30 {$20.00} late payments and unless I pay {$1900.00} I will continue these late fees even though we are on auto debit. We often receive letters and calls where they threaten us legal action if I don't pay this ever changing amount due ( we are on autopay so It's difficult to pay extra ) My biggest concern is that when I speak with them they have no interest in assisting our situation. To be transparent I am looking for a reasonable forgiveness due to the following loan details : First loan payment- XX/XX/XXXX Original Principle- XXXX Current Principle- XXXX Total balance- XXXX Total paid to date- XXXX Expected pay off- XXXX ( XXXX payments at {$340.00} ) Interest rate 8.5 % I have tried to come to an understanding with them regarding our position and most of the time the person from customer service does not understand me, is very hard to understand, and only reads from a list of responses.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2023 midland credit management Delivered a lawsuit to my mailing address. 
The lawsuit states that I owe them in the amount of {$1500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume no of the alleged debt, therefore any debt in fact exists. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The debt collector has provided proof that that I was never under contract with them and they purchased the debt from the original credit. My signature is not listed on any paperwork or letterhead from myself to midland credit management stating I was pay them for services provided to me. 

See attached photos showing signatures from The original creditor and Midland credit management. No where is my signature included agreeing to pay any amount
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2.00}