davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (FL)

In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern .... 

In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead. 

I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up. 

Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution. 

I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.
Consumer complaint received 2019-07-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (SC)

Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Exeter continues to say go to dealership but in order to report or collect a debt they must have a legal signed documentation with my name on it. Ive requested that from them but never received.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX   XXXX XXXX  XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (VA)

XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Consumer complaint received 2019-07-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: James E. Albertelli, P.A., a Florida professional association (FL)

DEB COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : BANKRUPTCY CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Abertelli Law Office file XXXX XXXX XXXX # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Offices Demand letter and pay off quotes of debt, dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming in the name of XXXX XXXX XXXX XXXX. 
Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor XXXX XXXX XXXX that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt. 
4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust. 
5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6.  Proof that the statute of Limitation has not expired. 
7. Complete payment history on this account along with an accounting of all additional charges being assessed. 
8. Commission for debt collector if collection efforts are successful. 
9. Any Judgments obtained by any creditor regarding this account. 
10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent. 

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX cc : BANKRUPTCY COURT Consumer Protection Bureau
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Credit Service, Inc. (OR) (OR)

I received a garnishment at my place of employment. 
I contacted XXXX XXXX XXXX located in XXXX Oregon on XX/XX/2019 and inquired about this garnishment and wanting to know who it was for, dates of service etc. All she could tell me was that it was for XXXX XXXX XXXX for the amount of {$800.00} for my daughter and that it was old and then she hung up. 
I then contacted XXXX XXXX XXXX and gave them me and my daughters name and social security numbers. They could not find any debt under any name or social security. So they advised me to contact XXXX XXXX. 
I then contacted XXXX XXXX and gave them all the same information as I did the previous phone call. They could not find any outstanding debts that where owed. 
I have not lived in XXXX Oregon for 15 years and have remarried. 
No one can give me a date of service, a dr 's name, a location, or what the visit was for. 
My children have never been without insurance. I have never had an outstanding debt for medical. 
This is an invalid debt and I do not owe this debt.
Consumer complaint received 2019-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MN)

i dont have a account yet will set one up but i have a home that a quite title is filed on and my father passed leaving me the home and clear of any payments due he has passed away and the lending insurance claims that they are a bank and that they lent him money that he owed a debt of equity when its on irs and tax acessor file that he only owes tax on the home so i will be setting a tort claim to all cloud or claimers to home for tresspassing on private land i ask for themas  a bank who dose not lend money but credit so where is the monehy coming from if he did not produce it but the promise to pay has paid everyone twice
Consumer complaint received 2019-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since. 
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented. 
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!
Consumer complaint received 2019-01-25
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: AMERICAN EXPRESS COMPANY (CA)

I tried to redeem my American Express Membership Rewards points today,XX/XX/2019, but the system didnt allow me to do so. I called the customer service to inquire about this issue and after 30 minutes of being put on hold and transferred to different departments, I was finally told that my account is currently under review and that I cant redeem my points until this process ( Which doesn't have a timeline ) is completed. 

When I questioned the representative about what triggered this review, she said : it is because of the XXXX Membership Rewards points Referral bonus you received on XX/XX/2019. 

It is very deceitful that American Express encourages us to refer our friends and family, they advertise this on their website and send us promotional emails to invite people to apply to American Express Cards in return of a Referral Bonus and when we do, they freeze our membership rewards accounts. From what I read online about other customers experiences, this seems to be a very common complaint about American Express.
Consumer complaint received 2019-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (FL)

These are all RIA transactions XX/XX/2019 {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2019 {$1400.00} XXXX XXXX XXXX, XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1500.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX I had develop a relationship with a XXXX XXXX XXXX who claimed to a a surgeon working for the XXXX   Government. He was stationed in a camp in XXXX for 5 years and he was now breaking his contract upon renewal to come back to NY. He stated he was a US citizen born and raised in NY. He stated that the government paid for his accommodations and travel. When he made the plans to come home they gave him a plane ticket and sent him on his way. He never asked for any money and in fact made me the Beneficiary of a {$800000.00} payment he had coming in.There was  a transfer fee of {$5000.00} which I refused to pay. When these RIA transfer were made I was promised by XXXX XXXX XXXX he would send me {$250000.00} upon arrival to NY. When he arrived at the airport there started to be all these fees for a yellow card, a green card, a validation stamp, then since there was so terrorism going on he needed money for a security card to travel and at the end there was a fee for a anti-terrorist card. At this point I felt it was out of control. After the RIA transactions they started using US citizens as transfer " mules '' to collect the coming which I have reported to my bank in order to get my money back. I plan to report these individuals to their US banks to at least check out their transactions. 
It is my hope through your investigation I might be able to regain my money, some of the money spent on these RIA accounts. I do not blame the stores for any of the actions. I hoped the US government ( your Consumer Financial Protection Bureau ) would be able to help in some way. Please advise of any recovery or recourse.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 - 30 DAYS LATE 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 2019-07-21
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: EQUIFAX, INC. (CA)

I have an account with XXXX XXXX  XXXX with this company and previously I disputed the item and it cam out my credit report but after 2 month same report appeared in my credit file again. Base in the law if the company does not respond after 30 day it should be clear from my credit reporting but same report appears again after a while again. Also a credit report from XXXX XXXX which is a fraud in my credit report. This account is not mine and has not been removed even when I contacted XXXX XXXX exists
Consumer complaint received 2019-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Collections-I, LLC (AZ)

On XX/XX/XXXX I returned from a vacation to find a collection bill in my mailbox. I was shocked because I did not know about this outstanding bill. When I called the collection agency on XX/XX/XXXX, I found out that the bill was from service that was performed on XX/XX/XXXX. This was an XXXX  that I had for treatment of my XXXX XXXX. My physician had obtained a prior authorization prior to beginning the XXXX in XXXX of XXXX. During the conversation with the collection agency, the representative stated that he could see that I was not billed for the date of service except right after the service was completed in XX/XX/XXXX before it was billed to the insurance. The representative stated he could not see any additional bills being sent to me. As I continued to investigate, I found that the last denial from the insurance company was done on XX/XX/XXXX. The collection agency admitted that they had received the file from XXXX XXXX in XX/XX/XXXX but did not send anything to me until the end of XX/XX/XXXX. 
The issues that I have with this is that I had prior authorization giving us the approval to have the infusions completed. The insurance denial on XX/XX/XXXX showed that the billing department did not include the authorization number and on XX/XX/XXXX the denial stated not deemed medical necessity yet I received prior authorization stating it was approved. The facility failed to bill the insurance with the necessary documentation allowing it to be paid in full. Because the collection agency sat on the bill for the 180-day parking time it took away my ability to appeal the claim with the insurance company and get the bill paid. Additionally, if there were any uncovered costs the facility was to bill it to the pharmaceutical company who would have picked up any uncovered costs but because of the failure to bill the insurance company the pharmaceutical company was unable to pay the uncovered costs as well. 
I am including with this letter the documents showing the approval prior authorization letter, the denial letters from the insurance company, additional EOBs showing different dates of services for the same infusion showing payment and information on XXXX XXXX   from the pharmaceutical company. I do not feel that we should have to pay this bill since it was an error on the facilities part in billing it to the insurance correctly as well as their delay in notifying me prevented me from being able to appeal it and get the services covered by the insurance. Also as soon as I contacted the Collection company they immediately placed it on my credit as a derogatory claim going back to the time that they received the claim in XX/XX/XXXX. 
Any help you can give me to get this claim off my credit and preventing the facility from pursuing this further would be appreciated.
Consumer complaint received 2019-07-21
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. (NY)

I have disputed an account ( XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from Experian that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (ID)

I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. 

On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. 

I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. 

Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. 

I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?
Consumer complaint received 2019-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****,XXXX XXXX****,XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****,XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**,XXXX XXXX XXXX XXXX****,US DEP ED XXXX****,US DEP ED XXXX**** andXXXX XXXX XXXX****
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I've had this credit card for decades. While traveling overseas last year, Capital One froze my card to request copies of my driver 's license, utility bills, and other documents. I spent three weeks getting that sorted because the XXXX call center didn't understand that I only could supply a utility bill for my home address, not my mailing address. I didn't have use of the card until after I was home a month later. 

Since then, my account has been flagged with the same restriction in XXXX, and again now, both times requesting I submit the exact same documents. No one at the company will explain why this keeps happening and they keep expecting me to upload these same documents via a very insecure portal which does not encrypt the data in transit. 

I don't want to cancel this card because it is my oldest and that will negatively impact my credit rating, but the card has basically been rendered unusable, and the company will not provide any explanation for this poor treatment of a long-standing customer. I work in XXXX XXXX, and there is ABSOLUTELY no reason for this nonsense. This is the opposite of good security ; Capital One is forcing consumers to repeatedly send very personal data and has already shown through data breaches that they are incapable of protecting my information.