davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (IL)

I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. 

After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. 

Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. 

This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. 

I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. 

I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. 

I need true hardship help. 

A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

Healthcare Collections-I , LLC is currently reporting on my XXXX credit report an account that is not valid. Attempts to dispute the count with XXXX and directly with the company have resulted in negative results and the account remaining on my credit report.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

I have been a great customer with Wells Fargo Home Mortgage since 2002 and we had a family tragedy which cost us XXXX in expenses and counseling. Wells Fargo mistakenly pays my property taxes and then apologizes over and over but has taken my payment to {$820.00} a month for 8 years now!!! I pay my own taxes and they know it. During this tragedy we were not able to follow all the ridiculous notices that they did it again and subsequently was paying the same amount but they had raised the monthly payment to make up for their error and when my payments came in they were not applied to my monthly mortgage they were eaten up by fees and additional charges. This made it appear I was not paying and now they have foreclosed on my house with a lot of equity. I mean what evil people would do this during our nightmare. My wife, a XXXX of 22 years had to resign her job because of grief and we are struggling with kids in college etc. They offer to help but switch me all over and never respond to calls. We reported to another agency and suddenly they wanted to help but have been dragging their feet and continue to bombard us with foreclosure documents and filings. They always claim I did n't send something and wait days before responding to stall so they can steal our home. I need this to stop ... .it continues to make my wife even more sick I am supposedly working with a XXXX XXXX who 's answering machine always has the wrong date and never responds by email and by phone week later
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I made 99 payments to the Santander Company of {$290.00} a month. The sale price for the car was XXXX. Paid {$29000.00} at which Santander said 55 % went towards interest. 
In approximately XX/XX/2011 they repossessed the car a XXXX. Received no communication until now. Have no idea how much they sold the car for. Recently we checked my credit and they charged it off and they say I owe them {$6000.00}. How can that be when I paid them {$29000.00}? I need for them to at least take the negative comments off of my credit reports. I believe that paying over 55 % interest is illegal. I would advise anyone not to get a loan with Santander. They say they will clear my credit if I settle with them for {$2100.00}. Can you believe this?
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

RE : XXXX Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Of Education ( ALL ACCOUNTS ) ; Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement XXXX XXXX Bill Proof of identity Drivers License, Bank Statement XXXX XXXX XXXX, Trafficking documentation Self Attestation included
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JTM Capital Management, LLC (PA)

At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, whom we do not and never have held a mortgage with, erroneously paid our XX/XX/XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XX/XX/XXXX, a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. 

Initially, our mortgage ( a FHA loan ) was with Bank of America. The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, Bank of America made our property taxes to XXXX County without issue. However, when Bank of America made our XX/XX/XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX. Bank of America failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the check form. 

When we received the refunds checks, we contacted Bank of America for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. Bank of America sold our mortgage to XXXX in XX/XX/XXXX. Our mortgage went to XXXX 's books with an escrow balance. XXXX issued us an escrow refund check, however, no explanation have been obtained from them. 

On multiple occasions, we 've contacted Bank of America and XXXX to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (MI)

In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 
809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Date : XX/XX/year> To : Whom it may concern, Subject : Request to Update Current Address and Remove Outdated Addresses Dear Sir/Madam, I am writing to formally request the update of my current address and the removal of all outdated or inaccurate addresses from my credit report. As mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, your agency is required to maintain accurate and up-to-date information on my credit profile. 

Current Address ( to be updated on my report ) : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX Outdated or Incorrect Addresses ( to be removed ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have enclosed a copy of my government-issued identification as confirmation of my current address. 

Please update your records accordingly and confirm the removal of outdated addresses from my credit file. I would appreciate receiving written confirmation of these changes within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your timely response and confirmation of these updates. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MA)

I applied for a banana republic credit card when I went to XXXX to buy some clothes several months ago. As I and my colleges remember, I apply for the credit card just because we can get a discount ( like 15 % discount ). We did n't really make payment through the credit card because we made payment by using other cards, not to mention the banana republic card has not been issued on spot. 

Surprisingly, after several months, the staff of Synchrony Bank called me for several times and also send me emails to remind me that I have to make a payment for their credit card. At first, I did n't pay attention to these emails and calls, and I suppose they just made a mistake and it has nothing to do with me since I have neither received the banana credit card nor use the credit card to make a payment. Then, I received email again, and out of caution, I call them back to figure out what has happened. The staff told me that I have to pay for XXXX dollars or so. Actually, I did n't hear them very clearly, but to avoid any possible trouble ( It 's the first time I come to America and I really do n't want to be involved in any trouble ), I just made a payment on Synchrony Bank 's website using my XXXX card. Also, the staff told me that all I need to do is to pay for XXXX dollars, and they will not call me again. 

Recently, the Synchrony Bank 's staff called me again to ask for a payment ( XXXX dollars or so ), and I 'm really unhappy and fear that they just keep an eye on me and try to extract as more money as possible. I ask them why they call me again since I have n't received the card, I never used the card, and I have paid to them several months ago ( as I have said above ). Again, to my surprise, the staff told me that I have to pay them XXXX $ per month, and I even did n't know this rule! Also, they have never told me that I have to pay for XXXX $ per month. Otherwise, I would never apply for their credit card when I go to outlets! It 's totally unreasonable and unfair. So, I think the banana republic credit card and the Synchrony Bank 's behavior is something like financial fraud. In this case, I decide to file a financial complaint online. I will try to demonstrate that I have paid them XXXX dollars out of no reason, and I will not pay XXXX $ to them again because they really deceived me on this issue. Furthermore, I am not sure if any other residents in America have been involved in the troubles triggered by the Banana Republic credit card and the Synchrony Bank. So, please help me and make it clear why they can unreasonably charge for XXXX $ per month just for the annual fee or something like that. If possibly, I also want them to give back XXXX dollars to me. 

I am a newcomer in XXXX, and my XXXX is poor. If you have trouble reading this complaint letter, please understand me and give me some support. Thank you very much!
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (GA)

My XXXX credit report shows an unauthorized credit inquiry from PNC Bank on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/2017 a Cease and Desist was faxed to Portfolio Recovery Associates at their corporate office. They did receive it and within a 10 day period started calling and stating they did not receive it, This was not the truth. One Saturday around XXXX PM I received a call from a lady reading from script about attempt to collect a debt I told her your under a Cease and Desist. She hung up I decided to call back and make an arrangement to clear the debt and show good faith I spoke to a gentleman named XXXX and settled to accounts. I did XXXX posted dated ACH debits for XX/XX/XXXX and XX/XX/XXXX for XXXX. I did XXXX for XX/XX/XXXX and XXXX The XX/XX/XXXX has paid just waiting on XX/XX/XXXX to clear bank. I made it very clear to XXXX that this will not be reported to any credit reporting agency he assurd me we had until XX/XX/2017 to pay this with no negative reporting Toady I was informed by XXXX they reported it XX/XX/XXXX and my score dropped XXXX points. This is deceptive trade practices. I noticed this company has several complaints and lawsuits pending I need your help to resolve this issue.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had called Capital One and stated I was a victim of identity theft. I even p provided a police report showing that I had reported this to the police. 
There were three accounts using my name. Capital One said they found one of the accounts to be fraudulent but were not going to resolve the other two and that they would remain in my name. They also told me that the one account they were calling fraudulent would be removed from my credit but it still remains there.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (KS)

I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

- On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ). 
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXXX $ ( the price of the car ), with a 5 % APR over 60 months ( and no down payment ). 
- The XXXX salesman told us that they would run my credit score to see if they could beat my XXXX offer. So they ran my credit score and they checked with their financial service to see what offer they could give me. They came back with the offer of a XXXX $ loan, with a 9,9 % APR over 60 months, after a down payment of XXXX . 
- Therefore, we aggreed to sign a contract with their offer ( in case XXXX did n't give us the loan ) and we gave them a XXXX $ check for the down payment. When we were signing the contract, they even said this contract is just in case you do n't give us the check of the loan you expect from XXXX. 
- A week later, XXXX called us to tell us that they changed their mind and that they would not give us the loan. We tried for three weeks to get this loan with UME, adding my wife on the loan and providing additional paperworks, but XXXX refused. 
- So we called Toyota and told them that we will honor the contract they established - with their financial service - based on my credit score, and that we will send them the first payment on XX/XX/XXXX, as specified on the contract. 
- This is when Toyota told us that the contract that we signed was optional and that we needed to come back to their office in order to sign a new contract, with a higher APR. 
- We read the contract many time and we even talked about it with a lawyer friend, but it is specified nowhere that the contract is optional. Plus, the offer ( and the APR ) they offered us in the first place was already based on my credit score and profile. It was approved, on XX/XX/XXXX, by their financial service before we signed it. 
- Toyota called us again. When we said that we could not see anywhere that the contract was optional and when we asked them to provide us legal proof that we had to sign a new contract, the Toyota salesman said we have been fair to you so now you have to be fair to us and come sign a new contract. When we insisted on seeing a legal reason to do so, he said that he would transfer us to his superior ( which he did n't ) and threatened us to repossess the car before hanging up.