davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I returned my leased XXXX XXXX XXXX before the end of my lease period, on XXXX/XXXX/XXXX, received a lease termination statement from the dealer, and a subsequent end of lease liability statement from Infiniti Financial Services showing {$0.00} net liability. On XXXX/XXXX/XXXX, Infiniti Financial Services sent me a new end of lease liability statement indicating that I owe them {$430.00} property taxes. On XXXX/XXXX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX for the same {$430.00}. XXXX has also called and left messages on my home phone. I called Infiniti Financial Services on XXXX/XXXX/XXXX and was told that the tax is for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, and that I owe this tax because the license plates were not turned in and " it is the customer 's responsibility to do so ''. The rep also indicated that someone, though she could n't tell me who, submitted a " lost plate '' affidavit to the state of Connecticut in XXXX of XXXX. I left the car at the dealer, with the plates attached, on XXXX/XXXX/XXXX. I did not receive any instruction indicating that I was responsible for returning the plates, nor did I file the lost plate affidavit, since I had no idea they were lost. I am a senior XXXX XXXX and paid this {$430.00} amount on XXXX/XXXX/XXXX since I can not have this blot on my credit history, however this is ridiculous. I returned the car almost a year ago, paid everything I owed and left the car with the dealer in good faith. I am now being harrassed by a collection agency, not only for something I do n't owe, but a purported debt that was n't even billed to me until 3 days before it was turned over to this collection agency.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX EXPERIAN XXXX XXXX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. 
Income can not be reported to a credit report.

Income can not be reported to my credit report. 
Please delete immediately. 
This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TX)

Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on it.
Consumer complaint received 2016-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP (WI)

I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure. 
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''. 
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Admin Recovery, LLC (GA)

Debt collector, Admin Recovery, contacted an unrelated, third party about a debt I owed to a company. This person was not listed as party to the debt so I 'm not sure how Admin Recovery even got their contact information. When Admin Recovery called the person, it was not for the purpose of verifying my contact information. They told this third party my information and what the debt was related to, including the company name even though they were not asked what the call was regarding and did not verify who the third party was before discussing the debt and/or company with the third party. They were also told that the person they were looking for ( me ) could not be reached at the number they were calling, however, they proceeded to discuss my information with the person on the phone anyway. 

Admin Recovery was told by the third party that the third party was not related to the account in question, had never been related to the account in question, had no knowledge of the account in question and that they should be calling the person who was responsible and listed on the account in question. 

When I confronted XXXX different reps, XXXX and XXXX XXXX, from Admin Recovery about their company contacting a third party regarding about me, they denied doing so and said that I was lying and making things up. Little do they know I have a screen shot showing where they called the person 's phone along with the date and time of the call.
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections (ID)

Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JMS Associates, Inc. (TX)

XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I have been with Wells Fargo for over XXXX  years, I believe. On XXXX, XXXX, I saw on my phone app that there was about $ XXXX missing from my savings account. I checked my checking account and saw a pending transaction for {$7900.00} that was sent to a XXXX XXXX XXXX XXXX, but only the last XXXX digits of the account could be seen. It also said the funds were being paid through XXXX XXXX. My savings account was missing the almost $ XXXX because my checking account was I fully spent out and the remainder of the funds were taken through overdraft protection from my savings account. have never used XXXX XXXX and I didn't make that transaction. I also don't overdraft my account and would have transferred the funds from my savings to checking to cover a large payment if I had done it. I immediately called Wells Fargo ( it was evening ). They took my information and told me to call back in the morning as XXXX dept. was closed. I called in the morning and they took my information and arranged an appointment for me to go to a branch and close my account and open a new one, which I did. On XX/XX/XXXX, I called the fraud dept. to get an update. They told me they denied my claim because they couldn't prove fraud ; also because I have never shared my login information, they believed I made the transaction. Unbelievable to me - I don't even know where the funds are within the credit union to which my funds were sent electronically by my bank and they won't help me get my own money back.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I been with chase since XXXX, In XXXX notice is money missing, i wasnt able to enter to my account on line, i will called them let me know, i will check my statements on line and my balance will be accommodate, still knew it was money missing, and XXXX i decide to take a break from work and check on my accounts, i called bank several times to send me statements it took them about 7or 8 months to send it, my statementes were all mix and imcomplete, and when i decide to check on my statements i was not able to read or focus [ contamination ], it some charges from a company XXXX XXXX XXXX  web payments {$5700.00}, plus statements are very wrong to many charges from XXXX, XXXX, and many diferents charge it another few thousands, someone enter to my my account ilegally, plus i have contact the bank, to investigate, not resolving anyting closing the case with out investigation,
Consumer complaint received 2024-09-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IN)

I filed a dispute on XX/XX/XXXX and it was over a XXXX dollarswith vanilla gift cards. 
They told me while they investigating they will lock my card so I cant use it. I still have XXXX on this card and they wont let me use the card.

It should not take this long for a dispute. Im in desperate need of money and they are holding on to it and wont let me have my money.

Can you please help.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Resolution, Incorporated (IA)

I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: EASTERN BANKSHARES INC (MA)

XX/XX/XXXX : I exchanged XXXX Icelandic krona for {$380.00} XXXX dollars at a rate of XXXX dollars per krona at the XXXX XXXX XXXX Eastern Bank. At home I immediately checked the exchange rate for that day and found these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exchange-rates.com : XXXX XX/XX/XXXX : Met with XXXX XXXX at the bank and showed the above rates and asked for an explanation and possible correction. He filed a Research Request. 

XX/XX/XXXX : Spoke with XXXX XXXX by phone. He said that he was told that there was nothing they could do about it.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

In [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], my account with AFFIRM INC was reported as late, which I believe is inaccurate. I made payments on time for both months in question, but the company 's records incorrectly show late payments. I have reviewed my payment history and confirmed that my payments were made within the grace period or by the agreed-upon due dates. 

I contacted the company after noticing the error, requesting a review of my account and a correction to reflect " Paid on Time '' status for those months. To date, the company has not corrected the reporting. 

I am submitting this dispute to have my account updated to accurately reflect the on-time payments for the months in question.
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Designed Receivable Solutions, Inc. (CA)

I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal?
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tormey Bewley Corporation (AZ)

Collection efforts after debt was discharged in CH-XXXX bankruptcy. Creditor sent debt to XXXX Collection on XXXX. Continued collection efforts, placed deragatory information on me credit report On XX/XX/XXXX and again on XX/XX/XXXX. Information was in VIOLATION of AUTOMATIC STAY US Bankruptcy code. Deragatory remarks must be removed from CRA 's immediately due to being AFTER the Discharge of the debt.