davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (WA)

I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX   XXXX, dba XXXX XXXX XXXX XXXX XXXX. 
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account. 
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE. 
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending. 
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done. 
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation. 
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check. 
Please contact the payee before sending another payment. 
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base. 

I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.

The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.

Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED
Consumer complaint received 2018-06-05
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: Shellpoint Partners, LLC (VT)

XXXX XXXX XXXX, I believe on behalf of Shellpoint Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
Shellpoint Mortgage currently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, Shellpoint Mortage Services, or any other mortgage company. In fact, I had not applied for any credit from any company.

I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted Shellpoint, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


Institution Information XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.
Consumer complaint received 2018-07-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Onity Group Inc. (NY)

I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. 

Ocwen 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (TX)

XX/XX/2018 - received a call from XXXX XXXX XXXX in an attempt to collect {$120.00} in a past due medical bill. The agent asked how I would like to take care of the debt today, and I told her that I did not have any money to pay today. She then asked when would I be able to pay the debt, and I said within a month I should be able to pay. She then made the comment of " It is going to take you a month to pay {$120.00}? '' in a very rude and demeaning tone. I then asked the agent if she had {$120.00} I could borrow to pay the debt and she returned with a question " You pay your cell phone bill right ''. I took that question to mean, if I am able to pay my cell phone to keep the collection calls coming in then I should be able to pay the {$120.00} amount that is owed. I asked to speak with her supervisor. The supervisor came on the line and very rudely stating the agent advised her of the situation. I explained to the supervisor how I felt that the agent was making fun of my financial situation and asked the supervisor what business is it of the agents if I pay my cell phone bill. The supervisor explained that financial information is asked to determine if a person can actually pay the debt that is owed. I told the supervisor that I understood but that should've been a statement made prior to asking about my cell phone bill. The supervisor became very rude and dismissive as if my complaint was not worth her time. I then asked to speak to her manager and advised that I did not want to speak to no one other than a Manager. She placed me on hold, and a man by the name of XXXX who addressed himself as the supervisor of the previous supervisor. We discussed the entire situation and I advised that had the agent told me financial information is needed to determine the eligibility of payment question would been taken differently. I began to asked what their processing in these situations were he stated that he would listen to the call and speak with the agent and return my call. I told him I would appreciate that but I would like his manager to return my call. Then he stated " Instead of trying to figure out our process, you should be trying to figure out how you will come up with the money to pay the {$120.00} that you owe. '' and he disconnected the call. 

How can debt collecting agents call people and treat them as if we personally owe THAT agent money. 

They don't understand my current life situation, to call me first thing in the morning and make fun of my financial situation and be so demeaning to someone they don't know. To make people feel as though they have nothing else to live for but to pay them. Do they realize some people can be on the verge of a XXXX XXXX or even XXXX and one call like this can push that person over the edge?
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years. 
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments. 

When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage. 

I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed. 

I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem. 
My effort to reconcile problem wasn't accomplished. No
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I received a phone call XX/XX/18 from XXXX XXXX XXXX  about a debt of a card that I am unaware of and is apparently from XXXX - The man said he was mailing me a packet and would be filing a civil law suit. I have an excellent credit score that I have worked very hard for, i do not have any outstanding debt or a card in collections. I am not sure of any XXXX account he is speaking of. I researched because all credit debt even when not paid goes away after 7 years on your credit report but also has a statue of limitations, which upon investigation is 3 years in NC. I don't know who these people are but it seems illegal to call and scare people telling them they are being sued for an account of something they're unaware of and believe to not be theirs. from 15 years ago. I went and pulled my credit report because I was scared by being told I was being sued and confirmed the accounts that I have and that I have all on time payments and excellent payment history and current. Not sure how to handle. I told the man I would report them to the XXXX XXXX XXXX but figured it would be better to go to consumer finance after investigating and after seeing multiple posts from other people about this and that this is some scam. I can't believe that I am taking time out of my day to deal with people who thrive on scaring people, but my credit and protection of my social security number is very important.
Consumer complaint received 2018-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete the information -
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I sent a certified letter on XXXX XXXX, requesting debt validation or removal of two accounts from my credit report, listed by XXXX XXXX OF LOUISIANA, XXXX XXXX XXXX, XXXX, LA XXXX. The amounts were {$16.00} and {$170.00} I never received a response from XXXX XXXX as today, XX/XX/2018. These two accounts remain on my credit report.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

i have a synchrony bank credit card on XXXX. onXX/XX/2018, i went online to pay my monthly bill as i have done ever since i had this account. i checked the box for minimum payment due of {$38.00}. and found out on tuesday XX/XX/2018, that somehow the website errored and put my payment as total balance due of {$1100.00}. by this error occuring they wiped out my entire checking account. i incurred 5 overdraft fees of {$36.00} each, my car payment was returned, my gas bill was returned, my cable bill and another one. i contacted XXXX immediately and was advised to contact synchrony bank, which i did. i demanded they reverse the {$1100.00} charge immediately and was told " unfortunately due to security reasons " they can't do that. they also told me they refused to pay the overdraft fees unless i had my bank fax them " proof ''. i had to go to my bank and get copies of this and faxed it to them. i was told it would take 5 days to send me a check for the {$1100.00} and they would 'try '' to expedite it. i am on social security and this huge error on their part has left me without funds. and incurring late charges now on the bills that the bank returned for insufficient funds.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my checking account, without providing a reason, on XX/XX/2018. I had {$290.00} in the account and they said they mailed me a check on XX/XX/2018 for the amount noted above. It is XXXX XXXX, 15 days later, and I have not received the check. I called them and asked that they cancel that check ( obviously lost in mail ) and issue a new check, or let me go to a branch of their bank and get my funds. They refused to let me go to a branch, and further told me if the check were cancelled I would have to wait 90 days to get another check sent out. This is ridiculous and I'm sure any consumer would agree with me. This is MY MONEY and I want it NOW! All they have to do is cancel the check they SAY they mailed, and call their local branch and give me my money. My next step will be to confer with an attorney and take them to court.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NV)

We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (DE)

I have the XXXX Store Card since XX/XX/2015 ( approximately ). I have recently discovered that each month I have incurred a variable fee ( in relation to account balance ) from " XXXX XXXX XXXX. '' Evidently this is a service that can be added to the account so that in the event of job loss, or other significant financial event, the account will be protected from going into default. 

I did not request or authorize this service to be added to my account. 

I have reached out to this company at XXXX on numerous occasions. I have been told that I authorized this service when I opened my account. This is absolutely incorrect. I have asked repeatedly that the company provide documentation to substantiate this claim - they have not been willing or able to provide any proof.