davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This goes to TRANSUNION and XXXX my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you XXXX and XXXX office a letter saying inparticular XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX I was an authorized user only in XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you XXXX, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX BANK not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both TRANSUNION and XXXX are in direct violation of conspiring to embezzlement with XXXX BANK by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling TRANSUNION and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX BANK was removed you allowed them to go bank on costing me over XXXX points in one week combined with XXXX crediting companies. I Am building a huge case against XXXX BANK for several other issues, if TRANSUNION wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to XXXX in which they were sent the 30 day compliance letter over 50 days ago. I suggest TRANSUNION and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX BANK CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost TRANSUNION and XXXX millions of dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX BANK is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
Consumer complaint received 2016-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (KS)

My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.
Consumer complaint received 2016-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP (IL)

I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MS)

I applied for a loan modification in XX/XX/XXXX which was denied and I kept trying for the loan modification until XX/XX/XXXX they made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the XXXX XXXX XXXX did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Thaxton Investment Corporation (SC)

The Company filed suit in magistrates court, they never showed up for court on XXXX different times and i won a summary judgement in my favor, however this lender still reports to at least XXXX and XXXX. The judgement was entered XXXX XXXX, yet this company has reported to the credit agency as recent as XXXX XXXX. of this year XXXX!!! And they have notice from the court that they lost the case, i know this because the court clerk put a post note along with my notice that she sent them one.. They are willfully thumbing thier nose at me and the law!!!! In this case the Court.. They are slandering me and i have already been denied credit thanks to thier reports to XXXX and XXXX, ,Can you help me please???? Can you help in recoving damages from them??? Thank You!!!!! I never app ; ied for a loan with them!!!!!!!!!!!!
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLA Collection Company, Inc. (IL)

OK ... .I have already filed a complaint with you guys regarding this company. I just saw an updated copy of my credit bureau report from Equifax, they had concluded their investigation, and they said that the account belongs to me. Ummmm, NO IT DOES N'T, because I DID NOT do this for one, and two, these people are impossible to talk to, I have communicated with them, and they were very rude. I refuse to contact them again!!!!!
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident. 

Thank you,
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.
Consumer complaint received 2017-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Consumer complaint received 2017-04-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Technology Incorporated (OH)

For several years now I have been recieving collection calls and a collection letter looking for a "  XXXX   XXXX   XXXX  '' regarding his defaulted student loans. The first collection letter which was mailed to my home address was from the loan guarantor  XXXX   XXXX   XXXX . I did n't open the letter because it was n't addressed to me. I did call them, and told them of the mistake. Short time later I started to recieve collection calls from various companies like  XXXX   XXXX ,  XXXX   XXXX  and others looking for the above individual. I again contacted  XXXX   XXXX  and  US D epartment of Education as to why I was recieving calls. On   XXXX   XXXX  , I recieved a call on my cell phone from a company called  Collection Techology Inc l ooking to a  XXXX   XXXX   XXXX . I explained they had the wrong number and asked why they were calling on my cell phone. She told me it was the number on file and wanted to verify my DOB and SS number. I gave her my date of birth and she claimed it matched, and then proceeded to request the last  four  of my social. I refused and told her she needed to provide the last  four of what they had on file, which she did. She actually gave out the last four o f his social. Needless to say the conversion became extremely heated. I sent an email to their general counsel expressing my anger over recieving an auto dailed call to my cell phone and the violations of the FDCPA. A couple of weeks later, I recieved a response from a  XXXX   XXXX . The attached letter was full of errors. First they claim to be looking for me and not the other individual. I called the number back from another phone number and when I gave them my full name they stated they did not have such a file. I gave them the cell phone number they had called and they then confirmed they were in fact looking for a  XXXX   XXXX   XXXX . The letter implied the my cell phone number was supplied to them by the original creditor and they would correct the suppliers bad information. I again called both  XXXX   XXXX  an d US DoEd, and neither my cell phone nor landline are associated with the account. The let ter goes on the deny the use of an autodialed call and denies giving out the last  four of so cial violated the FDCPA. I sent another email back to both their general counsel and the original senders email and to date have heard nothing.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Data Check of America LLC (CA)

I have received several calls from Data Check of America and from a law office ( XXXX XXXX, I believe ) regarding a check I apparently wrote to California XXXX University, XXXX XXXX in XXXX. The total amount they say I owe, including their fee, is {$170.00}, approximately. They are threatening to take legal action if I do not pay. 

I have called XXXX XXXX XXXX at XXXX XXXX on the matter and they told me that they are not pursuing any debt from me, that they can not pursue any debt more than XXXX XXXX XXXX, and that they would not take anyone to court over a debt so small. XXXX XXXX does not refer debts to Data Check. They are currently using Credit consulting Services. In the past they went through XXXX XXXX until that company disbanded and apparently disappeared. XXXX XXXX has received ten similar phone calls and believes there may be more unreported. 

I have no supporting documentation, despite the fact that Data Check says they have sent me several letters over the years. In a phone call today, XXXX/XXXX/XXXX, They gave me a last chance to resolve the debt before starting paperwork to take me to court. In a previous call they wanted me to set a court date. When I asked them today to tell Data Check to send me some documentation, they told me they were " not going to play this game anymore. See you in court. '' The phone calls have not been abusive, but threatening ( I would consider talk of legal action " threatening ).
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (SC)

contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.