davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (OH)

Received first correspondence from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received. 

Received second correspondence from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019  stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. ()

I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX   XXXX # XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX/XXXX XXXX # XXXX Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

On behalf of XXXX XXXX  XXXX, this company has been harassing me for the last two years, claiming that I owe them money that I do not. They are stating that the money is due to a broken lease and eviction charges. My lease was monthly and nothing was broken. I gave the apartment complex 60 days notice, the woman who I gave it to took my letter and I dont know what she did with it. They never sent me any eviction notices, and if they did I had already left the apartment. They kept my security deposit which I believe I am still owed by them. This is very negatively impacting my credit score and now I am unable to buy or rent another home.
Consumer complaint received 2020-01-23
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: Finance System of Richmond, Inc. (VA)

There is a collection account that appeared on my credit report from Finance System. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered.

I contacted the collection company via a phone, Finance System, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to XXXX.

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by Finance System.

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2018 I contacted Bank of America to pay the balance on my credit card and close the credit card account. The reason I gave BOA for closing the account was that I no longer used the card. XX/XX/2018 a charge occured on the card for an annual magazine subscription. XX/XX/2018, BOA shows a 30 day late payment on the account. XX/XX/2018 BOA, shows a 60 day late payment on the account for all 3 credit reports for both myself and my wife. 

I have kindly asked BOA to remove the late payments from all of my credit reports and my wife 's credit reports. I paid the disputed charges ( {$77.00} ) plus interest despite the fact that the account should not have been active or open for such charge. 

My family is facing financial penalty and hardship due to a BOA error concerning {$77.00}. I believe BOA has made some effort to resolve the issue but upon speaking with XXXX this morning it is obvious they have not reached out to all parties. 

Any assistance your agency can provide would be welcomed.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

I broke a lease on my apartment on XX/XX/XXXX. I had a job that was 70 miles away so I had to move closer. I gave the apartment manager a 60 day written notice and moved out officially on XX/XX/XXXX. The lease stated that I had to pay until they got a new renter or until the lease was up. They got a renter by XX/XX/XXXX meaning I would owe them for 1 month. I gave them a forwarding address, that they claimed I did not. However, I have had the same phone number since XXXX, so they could've called me for it. To continue, the renter wanted the apartment remodeled, so they chose to charge me for that time as well. So they charged me for 2 months plus they added pest control charges of {$350.00}. I didn't even get a bill in the mail from XXXX XXXX XXXX in XXXX XXXX, Florida. They sent it to NCC Business Services on XX/XX/XXXX who directly put it on my credit without even attempting to bill me. I told them when I called that I didn't owe for 2 months or for pest control. The manager of XXXX XXXX said she would take the pest control charges off but that I had to pay for the time that they were remodeling because my lease wasn't up. I contacted NCC and they forwarded my complaint to XXXX XXXX. When I called a few months later, NCC stated that XXXX XXXX said that they would drop the bill to {$1200.00} and that if I paid the bill, they would mark it as paid in full on my credit. I asked for that in writing and I never got it.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

Called XXXX XXXX XXXX XXXX XXXX ( account XXXX ) &  paid the {$130.00} on XX/XX/19 confirmation # XXXX. Emailed payoff proof to Penn Credit Collections Agency on XX/XX/XXXX. XXXX XXXX XXXX has notified Penn Credit on XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX that the payment was satisfied XXXX XXXX XXXX closed the case. My issue is that I am working with XXXX and opened a dispute/investigation so that XXXX can contact Penn Credit. According to XXXX, Penn Credit refuses to verify that debt has been satisfied from XXXX XXXX XXXX in order to remove my negative payment from the credit bureau. Waited another 2 weeks opened up another investigation/dispute with XXXX to contact Penn Credit and still they refuse to acknowledge that payment has been made, hence XXXX can not remove my negative from my credit. Penn Credit however did acknowledge through CFBP that they received verification from XXXX XXXX XXXX utilities that payment was satisfied and that they would closed the case which doesn't seem so. This is dishonest and disturbing, ethically wrong.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have having trouble making payments for my XXXX  XXXX credit card. I setup two one time payments to pay the balance on my XXXX XXXX card and the one time payment failed twice. There was no reason provided. I was incurred late fees and interest fees. I do not believe it is fair for me to be penalized for a system issue on Bank of America 's end.
Consumer complaint received 2019-05-30
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. (OH)

I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Experian Information Solutions Inc. (NY)

I viewed my credit report and saw that I have several student loans when I thought I only had XXXX. The student loans are listed under more than one account and I need only XXXX account for the student loan. I wrote the bureaus asking them to delete those loans which I knew nothing of as I only knew of XXXX student loan. I want to get my student loan as XXXX account and not several different accounts as I can not maintain several different loans. 
My Education loan is with Dept of Ed/ XXXX .
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Services is a debt buyer. I tried explaining that the amount owed to the original creditor is incorrect, but they continued to call repeatedly. Due to the repeated phone calls, I requested that the phone calls cease on Friday, XX/XX/2019, and to contact me in writing. The phone calls persist, and I when I answer the phone, the representative hangs up. Further, I have yet to receive anything in writing regarding this matter.
Consumer complaint received 2019-10-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (NY)

I have applied for PSLF program with FedLoan.org since XX/XX/2017. Majority of my payments that were made between XXXX are considered unqualified and are not being counted towards XXXX PSLF payments. Payments that were made between XXXX were more ( $ ) than I would have paid under qualified plan for PSLF. 

I know classmates that are doing PSLF program that have paid {$0.00}, and payments of {$0.00} is considered and counted as qualified payments, while my {$990.00} payments are not qualified payments. 

WHERE IS THE JUSTICE???
Consumer complaint received 2019-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc. (GA)

I was overcharged for my moneylion plus membership for XXXX, XXXX, and XXXX in the amount of {$79.00} each month with {$50.00} put into an Investment Account. 
I have since paid {$19.00} for XXXX, XXXX, XXXX, and XXXX. 
My most recent payment on XX/XX/2019 has been successfully deducted from my Moneylion checking account and it has not been applied to my membership and it says my membership is on hold although they have been successfully paid days ago.

My money, which is in my investment account, {$260.00}, the company refuses to let me withdraw my money and close this Investment account which is what I would like to do. I was also charged an admin fee of {$1.00} on XX/XX/2019. 

I was also advised on a recorded line that the lionshare rewards are supposeed to be deposited into my bank account, but they have put the funds into the investment account that they are not letting me withdraw from in the amounts of {$1.00}, {$1.00}, and {$2.00}. 
Whenerver I attempt to reach them by phone, I receive long hold times and almost never reach anyone. I have been told I would receive a call back and not been called back. this company has the worst service ever.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

synchrony bank keep reporting paid non account as minds how XXXX is j c penny 's to keep giving account if I didn't pay the first they report three account, XXXX they agreed it was fraud see attached letter and the other was paid by letter
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a letter in the mail that my current Walmart Card which is still valid and open will be transferred to Capital One. I am using the same card and account number and my account is not closed. XXXX XXXX is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with Capital One which is the same account and card.
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am a XXXX XXXX and I have tried to Modify my loan with XXXX XXXX XXXX for at least two years. I also XXXX XXXX XXXX for the school system. I have proved everything over and over again to XXXX XXXX XXXX. With finally getting a complete acceptable package for XXXX XXXX XXXX, when we called to check the status, they informed me that my loan was no longer serviced by XXXX. I asked how will I know who has my loan now? They said I would get it in the mail..and I did receive a letter in the mail from the new Servicer SPS on the XXXX of XXXX and two days later a sale date for my home for XX/XX/2019. 

I have never received any other correspondence from Specialized Loan Servicing except two letters. I never received any mail from XXXX XXXX Loans, I found out information from calling to check on my account. 

Please help me save my home. Thank You
Consumer complaint received 2019-10-20
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. (NC)

my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with XXXX XXXX was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a {$23000.00} Credit Card from the Navy Federal Credit Union. I am trying to pay off my credit card balance but every time I pay down on my credit card and pay more than the minimum payment without using it for months my monthly payments increases. I have spoken to bank agent but I could not understand what he was saying about how the credit card fees is applied. All I do know is when someone is paying down there credit card debt and paying more than the minimum payments each month without using the credit card the monthly payments gets lower each month. In my case my monthly payments gets higher each month. Even if I don't use it and pay down my debt. I believe that there is something wrong with situation. Can You Help?