davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC (MD)

The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Weltman, Weinberg & Reis Co., L.P.A. (NC)

Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I have purchased a 2009 XXXX in XXXX 2011 for XXXX financed it with Santander Consumer. Since paying on this car I have paid XXXX dollars and still XXXX, XXXX they are continually adding late fees, as well as a XXXX fee for every time you make a payment on-line. They have put close to nothing towards the principle of this car, it has al gone to Interest. I feel this is a predatory lender, this car should be down to at least half of that XXXX with all of the payments I have made to this point. they continue to add fees and take the full payment and put towards interest.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

XXXX OF XXXX I am writing to file a complaint against EQUIFAX because of their predatory CREDIT REPORTING practices reporting negative without providing any response from XXXX XXXX Equifax never investigated b. Non responsive c. indistinguishable letter stat that investigation completed and no change XXXX Never provided any response form creditor I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2015-04-15
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Byrider Franchising, LLC (IL)

I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again. 
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse.
Consumer complaint received 2015-04-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc. (IA)

The Asset Recovery Associates is trying to claim a debit of {$3.00} they claimed I open with a XXXX in the state of Virginia in XX/XX/XXXX. I explained to this company that was in XXXX at that time and have been there until XXXX XXXX XXXX when I return to the XXXX. In XX/XX/XXXX I did make a police report in XXXX for possible identity theft. I also will be filling another one. I contacted this company, which has been brought by XXXX and they related there was not outstanding account with them with my name or SSN. I sent this company a cease and desist letter to stop threatening and harassing me.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased an American Express Bluebird card at the local XXXX. I loaded it with {$500.00} cash. 
After reviewing the disclosure document enclosed with the temporary card, I requested a refund of my money. I never used, activied or signed the card. I called XXXX days after the purchase. 
I was told when I called to check status of refund, the refund was processed on the XXXX of XXXX. I requested the refund on the XXXX. Fine, it was processed late, but I waited, going to the post office and calling the XXXX day, when the check was not received. I was put on hold and left on hold not once but twice, lied to by he first clerk who actually told me they do not process refunds, which I replied that the disclosure states quite clearly that you DO. He then put me on hold, in the ruse to get a manager, and never came back. I have been going back and forth with this since, I still have not received my refund, and the delay caused me financial setback, and stress, XXXX, pain and lack of sleep. I am at my witts end with this I can not tell you how this has caused me so much XXXX and distrust. I can not comprehend what is going on and why. Please help me get me cash refunded and the financial loss I suffered as well.
Consumer complaint received 2015-04-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (CA)

This company is trying to collect a debt that as sent over to them from XXXX XXXX and I 'm currently disputing all charges with XXXX at this time. XXXX cotniually violates credit card rules and regulations and here is a clear example of them sending this to a debt collector when we are in the dispute process
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NJ)

I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.
Consumer complaint received 2015-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Accounts Management Services (IA)

I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (CA)

Sierra Pacific Mortgage refuses to adjust our loan payment to reflect actual taxes assessed. We have faxed their Escrow Department XXXX now with Tax information and they continue to ignore their mistake. 
They are projecting XXXX tax payments of {$2500.00}. The actual XXXX tax payment is {$1400.00}. 
This over payment is extremely burdensome on my family.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (ME)

I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (IN)

XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My consumer report contains accounts linked to identity theft, which I never authorized with a written or wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused substantial emotional and financial strain, misrepresenting my credit history and obligations. If not adequately addressed, I am prepared to pursue legal recourse to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.