davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are  bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2018, I sent Portfolio Recovery a cease and desist letter that was signed XX/XX/2018 via certified mail. 

On XX/XX/2018, I sent Portfolio Recovery another letter that was signed on XX/XX/2018 via certified mail because they were still reporting collection activity to all three Credit Bureaus. 

Portfolio Recovery, have not been in compliance and this is a violation of the FCRA and FDCPA. Please see attached evidence
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

A few weeks ago I work up to my checking account being negative {$220.00} due to a XXXX charge of {$360.00}. I called immediately once I found out as I was unaware of this charge and I received no notification. Because of this charge I got hit with 3 NSF fees which was credited back to my account. However I already had pending charges on their prior to being notified of this charge and I was charged an additional 4 NSF fees. I've been on the phone for hours trying to get this resolved. I found out it was from an old checking account I had from XXXX. However i never received any notification that this was going to be charged to my account. I found out the notification was sent to an old address. My concern is that you have records of my new checking account which is attached to my new addesss however you sent the notice to my old address why? If I was properly notified I would have made sure there were funds in the account. Also you had access to charge my new checking account yet u couldn't send the notice to my new address? I feel that you just decided to charge me this after having this account open with you since XXXX so you can make money off of the fees. I have no problem paying for that charge but I'm very upset that I had a total of 7 NSF fees because of this and only 3 of them were waived this is ridiculous. I also received a copy of the notice finally and it has a date on the letter of XX/XX/XXXX and in the letter it says my account will be charged on XX/XX/XXXX. How is this notification? I'm requesting that you review the situation and waive the remaining 4 fees please thank you.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (MD)

I hired a lawyer and sued XXXX XXXX XXXX XXXX for knowingly and falsely providing false information to PDM to provide to creditor reporting agencies. I provided proof that their information was erroneous and I exhausted every possible effort to resolve the matter with the XXXX XXXX XXXX, before suing them and securing this final judgement ( attached ), from the XXXX XXXX XXXX XXXX of XXXX XXXX, TN, against them. The information they issued to credit agencies against me is erroneous and I am requesting that this information/trade line be immediately removed from credit report/file. *Finally, please file this judgement against the XXXX XXXX XXXX.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NJ)

I HAVE BEEN PAYING AMERITECH SINCE XXXX OF 2017 ... THINKING THAT THEY WERE HELPING ME, I THOUGHT THEY WERE PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE BEGINING. I HAVE BEEN PAYING THEM XXXX DOLLARS A MONTH UNTIL I RECEIVED A LETTER FROM FTC ... I HAVE NOT RECEIVED ANY HELP OR SERVICES TOWARDS MY FEDERAL LOAN ... I FEEL SO XXXX  I REALLY THOUGHT THEY WERE HELPING ME PAY MY LOAN ... I DONT KNOW WHAT TO DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING.
Consumer complaint received 2018-07-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (AL)

I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

On XX/XX/2018, I received a denial of credit letter from XXXX XXXX. The reason for the denial was listed as : '' we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' Equifax was the credit bureau listed. I then pulled a copy of my report which showed, " Fraud Victim " Extended Alert '' & File Blocked For Promotional PurposesAlert Contacts 1 Records Found. '' Next I called Equifax to get this removed, answered dozens of questions, and was told it would be removed shortly. On XX/XX/2018, Equifax emailed me that my " dispute had been completed. '' When I clicked the link and entered my information, it says it doesn't match and they can not display my results. I have called seven ( 7 ) times to various phone numbers for Equifax, and been hung on four ( 4 ) times! I finally spoke to " XXXX '' ( spoke with a nearly unintelligible foreign accent ) ( XXXX ) who told me the fraud alert was removed last XXXX, which I know is a lie, since it showed up on the report I pulled on XX/XX/2018. I told him that since this involves a denial of credit the FCRA requires them to provide me a free copy of my report and to resubmit my credit file to anyone who has requested it in the past 6 months, but he refused to comply! 

So, as it stands, I can't access my credit file and neither can my creditors, and Equifax won't do anything to help!
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. 

Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. 

I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. 

The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. 

I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. 

Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. 

Any assistance would be appreciated as I am not able to get any where.
Consumer complaint received 2018-07-09
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: AFNI INC. (AL)

AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. 

Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been receiving calls from a lawyer for Bank of America. He is stating that I had an old checking account with a {$610.00} balance leftover from 2010 that BofA is trying to collect on and take me to court. This is not mine, and even if it was it is way past the Texas Statute of Limitations of 4 years for debt collections. I have had multiple calls and my wife as well, saying we were going to get served court documents.
Consumer complaint received 2018-07-09
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. (TX)

have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX  is missing on time payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX  has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX   has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both account one of XXXX and the other XXXX they are both charged off the balance should be XXXX. 
They refuse to do an independent investigation as per my previous CFPB complaint XXXX regarding two inaccurate XXXXXXXX XXXX accounts they are reporting. I have tried several times to have them address this but they continue to give me the run around. I want this inaccurate information deleted from my account.
Consumer complaint received 2018-07-09
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: CL Holdings LLC (NV)

XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

THIS IS GETTING VERY AGGRAVATING, SINCE THIS IS THE 4TH TIME I HAVE TRIED TO GET THIS PROBLEM RESOLVED!!! Equifax is continually reporting payments being made on a CLOSED XXXX XXXX account! Please look at my history of complaints and I am STILL waiting on Equifax to resolve my previous complaints. Equifax just reported my XXXX mortgage payment, along with my XXXX mortgage payments, to the CLOSED ACCOUNT ONCE AGAIN!!! Is there anyone or any agency that governs Equifax or are they just free to do whatever they choose and XXXX around with people 's credit which affects their score??? Better yet, is there anyone who really cares??? I have suffered financially due to their ERROR, as I have not been able to obtain funding for my business!!! What can be done other than sending complaint, after complaint, after complaint and nothing is HAPPENING???? I am not satisfied with any service I have received!
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I have several complaints. The first being I was told I could forebear my loans during my husbands XXXX. When the loans came due they DOUBLED In price. I now owe more than {$98000.00} and only took out {$42000.00}. 

Second, I have been paying for years in an approved program to have my loans forgiven ( as both my husband and I work in public service ) to talk to them recently and be told I wasn't in the RIGHT program for forgiveness!! 

We pay almost {$1000.00} a month in payments and our loan is growing still. We have a XXXX XXXX XXXX about to go to college and still are paying on ours-and have been for 10 years.
Consumer complaint received 2018-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

My issue is with XXXX I disputed Three items on my credit report. Yet they have not responded with the results. XXXX will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to XXXX was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to XXXX. I have yet since XX/XX/2018 to recieve a response from XXXX with my follow up letters and info on my credit report.
Consumer complaint received 2018-06-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP (NY)

Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.

Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.

( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.

Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

I have a current mortgage loan with XXXX XXXX XXXX, loan is serviced by Loancare for a Co-op in NY. I am currently in contract for the sale of my co-op & also in a purchase contract for the purchase of a new home. Currently both files are cleared to close except for we are waiting on Loancare ( my current lender on co-op ) to produce the collateral documents needed for closing. The purchase of my new home is contingent on the sale of my co-op. I have been at Loancare 's mercy going on two months now awaiting either the closing documents needed to move forward with the sale of my co-op or for them to concede to not having the documents & provide me with an affidavit stating the documents are lost, in order for my Co-op to reissue the original collateral documents. My buyers ( for my co-op ) have already extended their rate with their bank twice ( having paid fees to do so ) & my seller for my home is threatening to pull out of deal since I have been unable to close. Between these two deals there is over {>= $1,000,000} at risk & I have no place to turn other than threaten to sue them if these deals are lost. I don't know what else to do.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MO)

Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.