davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (PA)

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this assigned debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

On XXXX XXXX, 2018, a letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent ledger as supposed proof of this debt.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (TX)

X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.
Consumer complaint received 2018-01-18
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. (GA)

On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Consumer complaint received 2018-01-18
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Consumer complaint received 2018-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Omni Financial Corp. (NC)

The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.
Consumer complaint received 2018-01-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CHECK INTO CASH INC. (CA)

called at work on the following days. They were informed on XX/XX/XXXX to not call me at work XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX, 2017 I initiated a wire transfer from my bank account to my XXXX ( CoinBase ) account. The amount has yet to be credited to my XXXX account. I 've reached out to XXXX Customer Support, but they failed to update me on when I can expect my account to be credited.
Consumer complaint received 2018-01-18
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: Amsher Collection Services, Inc. (GA)

On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. 

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Since Hurricane Irma the bank has not allowed me to make payments through the internet because they said they gave me three months without paying to help according to them, ( which did not help me in anything but quite the opposite ), but in this month I have to pay the full three months and I call the day XXXX of this month of XXXX, when I collect my pension, to pay everything and they transferred me to another Dept. where they left me waiting for an hour on the phone and they did not answer me. That same day I sent a check for the amount of {$3000.00} and today XX/XX/XXXX they had not received it according to them, I am worried that they will not charge me for late payment. I explained it to the person who attended me today and I answered that there are too many people who call and that is the reason that they did not attend to me. But I do not understand why they turned off payments online and they did not allow me to pay even if I called several times, because I was worried. I will appreciate your help greatly, I am an elderly person and this situation makes me very anxious and sick.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

OnXX/XX/XXXX I contacted my lender, Freedom Mortgage to request that my PMI be removed from my loan since my mortgage balance had dropped below the required 80 %. The original loan amount was {$210000.00} and the balance owed as of XX/XX/XXXX statement was {$160000.00}. I was asked to fax a letter to the lender requesting my PMI be removed. I was told that I would receive instructions on what to do in a few weeks. As of XX/XX/XXXX I had received nothing from the lender so I called. After 3 attempts with different staff I was told that my fax was n't received. I have a fax received confirmation. I was asked to email my request so I did on the same day. Today I received a call from the lender and was told that I had to order an appraisal and pay for that myself. I told them that since my balance owed had dropped below the 80 % the PMI should be removed automatically. She also told me that since I was making accelerated payments this posed a potential issue, I did n't understand this statement. My minimum payment is {$1500.00} and I have been paying {$2500.00} to pay off the loan faster.I was put on a long hold and the staff came back on the line and said she was trying to reach a manager. I asked her to please call me back since I did n't feel me waiting for over 20 minutes was fair. I have heard nothing since the then. 

I have attached a copy of my XX/XX/XXXX loan statement and copies of my fax request, fax receipt confirmation, Email request and email receipt confirmation.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

The Wells Fargo Bank Visa credit card ending in XXXX since XX/XX/XXXX I have requested a new repayment plan. My previous Consumer Financial Consumer Protection case numbers are XXXX, XXXX I sent letter dated XX/XX/XXXX and XX/XX/XXXX. In the year of XX/XX/XXXX I submitted numerous complaints against Wells Fargo Bank regarding the delay in providing a new repayment plan. I can only afford to pay {$80.00} to {$100.00} per month. I received a letter from XXXX XXXX my case number is XXXX
Consumer complaint received 2018-01-18
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: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ; American Honda Financial Services has sent a letter requesting payments for a XXXX XXXX XXXX Account # XXXX. The request to payments arrived from XXXX XXXX XXXX Account # XXXX dated XX/XX/XXXX. 
The debt refers to a XXXX silver color XXXX XXXX vin # XXXX. Plates : XXXX. This vehicle was returned to XXXX XXXX XXXX, CA on XX/XX/XXXX and the status of the vehicle was MINT with the lowest mileage for a vehicle of that year. Disputes were not made in the status of the vehicle. 
American Honda notified me by certified mail the XXXX XXXX XXXX was sold and profit was made out of the vehicle. However, I never received any money back from the difference of the sales. Honda claimed they had applied the difference profit of the sales to any outstanding credit in that vehicle. At the time I handed the vehicle to XXXX XXXX XXXX, the payment was up to date. The monthly payments were paid every month. I later received a letter stating the vehicle was sold and profit was made. I signed a release of interest in that vehicle and was mailed to XXXX XXXX XXXX. At that point there should be no standing debts. However, I see Honda is using a collection services to collect debts that have been closed. 
Attached are the letters and evidences. XXXX XXXX XXXX seems not to have updated the credit to the Credit Bureaus and have kept me as a delinquent customer affecting obviously my credit records and credit scores. 
I would appreciate your assistance in this matter. 
Sincerely. 

XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cash Security, Inc. (OK)

I spoke with XXXX, an employee, on XX/XX/XXXX at XXXX, in regards to my payment. Monday, XX/XX/XXXX, was XXXX XXXX XXXX XXXX, and the banks were not opened to receive my unemployment payment. I explained to XXXX, that I did not get paid on the XXXX because of this, and that I no longer had transportation. She advised me that she would extend out my payment for five days, so that I could send it by mail, and to give me extra time due to negative, below zero temperatures, and that I'd have to walk to mail the payment. On XX/XX/XXXX, I received a voicemail from XXXX, the Vice President of Operations, stating that he had not heard from me since making the agreement. I returned his phone call on XX/XX/XXXX at XXXX. Upon speaking with him, I hold told him that I had spoke with XXXX the previous day, and she'd extended the payment due to weather and the holiday. He said, " I make the decisions around here, and what I say is gospel. You need to get in here to make the payment, or I will file a hearing of assests, issue a bench warrant, and have you thrown in jail. You won't have to worry about being a single mother, if you're sitting in jail. '' This is the second time he has threatened to " throw me in jail '' for not paying him the way he would like to be paid. The last time he threatened me with jail, is because I asked for a payment arrangement, due to losing my job and being a single mother. Again, he also stated, if I were sitting in jail, I wouldn't have to worry about using the single mother excuse.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''
Consumer complaint received 2018-01-18
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. (NV)

In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lota Financial Group, Inc. (MI)

Hello I am not quite sure I have a real complaint. 

I have been trying to get a definite quote from XXXX XXXX ( NMLS ID XXXX ) for refinancing my mortgage. After a lot of wiggling around, I finally got Loan Estimate with a lock on XX/XX/XXXX emailed directly to me ( no signatures, attached ) and I got an email on the same day asking me to e-sign the documents on XXXX XXXX XXXX. When clicking on XXXX XXXX XXXX the loan number ( picture XXXX ) was different than the one on Loan Estimate. So, I did not proceed. 

Today ( XX/XX/XXXX ), XXXX XXXX forwarded me an email from XXXX XXXX ( XXXX ). XXXX claims that the loans are the same, however, he attached a screen shot ( picture clarification ) which seems to show that they are not. Note that this picture shows two different loans : 1 ( float ), 2 ( LE locked ). I think I was emailed 2 but I was asked to sign 1. 

I am not in mortgage business. This could be either blatant attempt at fraud or just clumsy way of accounting. I got other offers which were much more transparent. Can you clarify this ( if Trump did n't fire you yet )? 

Thanks
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.