davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. 

I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. 

Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. 

Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

I first applied for a modification when I became ill with XXXX loss of income my mortgage payments went up my income for XXXX at the time were {$1400.00} amonth my mortgage payments went up after modification to {$1200.00} at that time I reached out to us bank mortgage because the reason ffor me applying for a modification on XX/XX/XXXX was cause I couldn't afford my first mortgage payments when I bought myy home in XXXX  it was {$150000.00} which is now worth $ XXXX long story short I was toold to reapply well I did again and I wanted to sale my home since I couldn't afford it bbby being XXXX and very ill my health steady declining in XXXX XXXX I received a notice from us bank home mortgage saying that my loss modification pack was facially complete on XXXX XXXX on the XXXX an appraisal was done for a property valuation an completed on XXXX XXXX I received the results for that for my reference it was for my review they said but it was really to steal my home after they found out what it was worth an its worth that because of the area and money I have invested in it which is alittle over {$110000.00} in equity I feel so scared upset worried to the point I also have XXXX  XXXX just was hospitalized for from the stress of filing a claim with my home issuance company for windstorm damages and paying a {$2000.00} deductible and {$2100.00} in mold removal that was making me sicker due to us bank and the insurance company taking their time then plumbing issues had to come out of pocket for that sewer issues and to come to find out after repairs were completed on XXXX XXXX someone shows up to my home the day before XXXX giving me a notice to vacate my home by XXXX XXXX no proper notices phone calls or emails had me waiting on the next step in the loss mitigation talk to my relationship manager at us bank home mortgage they hadn't to her anything either last I heard from XXXX ext # XXXX they were all going into a meeting 2weeks ago to figure out how did the foreclosure happened while I was in los mitigation that they had to pull records emails phone calls etc now I can't reach her can You please help me im being harassed by someone on my property everyday saying their from us bank and now a letter saying there of eviction within the next 4 days the is urgent help me its winter cold outside I have no more money left nowhere to go no family to live with im devastated terrified don't know what to do next. I feel us bank stole my property and I am losing everything while they make double on money on my home. thank you for your time
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (NV)

On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.
Consumer complaint received 2017-11-06
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: Santander Consumer USA Holdings Inc. (GA)

I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (IL)

i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.
Consumer complaint received 2017-11-06
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. (MS)

The XXXX XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX , TransUnion , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.
Consumer complaint received 2017-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (RI)

My loan balance grows each time I log into the website and check the balance. I do n't understand why the loan balance grows if the interest due is paid with each monthly payment. If the loan balance is growing then my student loan is a negative amortization loan which does n't make sense as these are fixed rate loans and I have a set 10 year term. In addition, each month since I entered repayment I have paid extra toward the principal. I always select the option " I want to make my next scheduled payment ''. I never elect for the overpayment to advance my due date since I always want the overpayments to go directly to my principal balance. Navient always skips my payments on the loans that I overpay. For example, if I have 4 loans and overpay 1 I only receive payment notices on the remaining 3 loans. Navient is not following my direction and instead isapplying my overpayments so it advances my due dates. I would like the following to happen if possible : Can my loan balances be audited to find out why my loan balances keep growing and to find out why Navient is applying my overpayments to my future payments rather than my principal balance?
Consumer complaint received 2017-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( equifax, XXXX AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I closed this account YEARS ago and continued to get XXXX balance statements. Finally last month I received a statement that had a small charge that had been reversed. I decided to call and find out why this account was evidently still open, even though I closed it YEARS ago. They said it was still open, I just received another statement. Saying my balance was XXXX. Minimum payment listed and everything. I am concerned that this company is refusing to close my account. Much like XXXX XXXX, they want a certain number of customers and accounts to look good on there business prospective. The name on the card is XXXX XXXX. My name before I married several years ago.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXXXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XXXX XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

In my review of my credit report on XX/XX/2018 XXXX XXXX is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Received notice from Convergent stating I owe a debt in the amount of {$520.00} I have mailed a letter to the company XX/XX/2018 stating this debt was due to identity theft and does not belong to me. I have received repeated attempts to collect this debt after sending letter asking agency to stop.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I have a collections on my report from IC SYSTEMS. This collection has been paid in full and IC SYSTEMS SAID they would contact the bureaus XXXX and XXXX and have it deleted. It has not been deleted. I know it does not take 30-60 days to submit this request. Because it didnt take that long to put it on my report. I want this remove immediately. It is messing up my credit file.
Consumer complaint received 2017-11-06
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: TENET HEALTHCARE CORPORATION (TX)

I have attempted numerous times and have disputed information pertaining to my XXXX and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.