davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (TX)

Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.
Consumer complaint received 2017-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC (CA)

i had a pay day loan with a company called XXXX XXXX. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( API Recovery Solutions ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
Consumer complaint received 2017-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I forgot the account existed.  X/X/2017     XXXX   XXXX  fr om Capital One c alled & told me that my account with them had been dormant for years. She led me to believe that I had a couple thousand dollars in account. She asked for Pin #, Password etc. I told her I did not have. I have forgotten all that information. I forgot I had the account!! She asked me many question to identify myself and I answered them all. She requested I send her thru fax # a copy of my SS card, a letter requesting a reset to access account, drivers license and utility bill. This was in order to reset account and provide me with a link to access account and for me to reset username, pin and password. They never replied.! I have reached out to the 3 times. Same story happens. This last time I spoke with one of their managers and he told me to go to a branch and identify myself and then they would reach out to them. However Capital One does not have branches in my area. I feel they are giving the run around. I want my money. I was overseas for a long time and have lost a lot documents. I need help. I will work with all to prove my identity, but I want a conclusion and want to be able to access my account.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management (FL)

I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
Consumer complaint received 2017-04-27
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. (MI)

I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Good afternoon, I am writing because I have attempted to get mortgage modification from bank of america for the last 2 years. I have been denied services however I never knew why. Once speaking to BOA, the company indicated that they are suspecting mortgage fraud and will not proceed with loan modification on property because of this fraud alert on the account. They also will not disclose what I can do to remove this alert from the account to modify th loan. I am asking for you assistance to help me resolve this issue so I can proceed with loan modification to avoid losing my property.   I am willing to provide whatever documents that are needed to resolve this issue however Bank of America is not disclosing documents that are needed to resolve this issue. Please assist me in getting this issue resolved so I can save my home.   My ex-wife had a power of attorney back in  XXXX  when I was  XXXX  and was attempting to get modification on property as she was residing in the property at that time and was not paying the mortgage. We are no longer married and I have since moved on and has assigned and submitted another power of attorney (  XXXX  ) and have submitted a third party authorization in  XXXX  which voided the POA that was assigned to my ex wife. All these were submitted to BOA with my signature and witness by notary. With that being said, Bank of America is indicating this is fraud however it just some life changes. The curren t POA is m y current significant other and has been living in property with me since  XXXX   XXXX  and has been assisting me financially and with submitting appropriated documents to get home modified.   This problem came up again in  XXXX  and since the new  POA was not enough I signed an Revocation on POA for ex wife ( see attachment )
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (AZ)

I went into  Title Max  ; dealt with  General Manager ,  XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all.    Two w eeks later when I printed and read the documents the interest rate was over the top.   When payments were due  XXXX  kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on   XXXX   XXXX   XXXX    . Its now   XXXX   XXXX   XXXX   and I still never received the free and clear title that was to be expedited on   XXXX   XXXX   XXXX    .  Title Max bl amed it on  XXXX  and it was  Title Max 's fau lt.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (MD)

Purchased a {$400.00} gift card from the company  XXXX   XXXX ,  XXXX  a week or so later it was stolen from my car ( which is listed in the police report ). I informed the company about it and was told they suspended the card. So im fine at this point, until a few days later i see transactions starting to appear on the card. So i contact them again explaining that they didnt suspend my card like they said. So at this point im highly upset because i was lied to. They suspended it after the person used all my money. It took them weeks to email me a dispute form. so They sent me a dispute form, i filled it out and was told to email it back to them, which i did.     I was told it would take 30+ days to investigate. So i was fine with that. Months later i never heard from the company again and when i filled a complaint with the BBB. The company made it seem as if i was lying about everything because i was told there is no way to email a dispute form back to them, only mail & fax. So i showed a proof email of the company telling me to email it back. They still continued to lie. They 've been lying claiming they 've sent me a refund since the  XXXX  of  XXXX .   They never properly investigated my dispute, which is highly illegal when running a business. Not including the Fraudulent misrepresentation claim i can file. They 're trying to lie and cover up my complaint to avoid a Lawsuit. 9 months of dealing with this companies nonsense. I 've been trying to be nice and avoid settling this out of court but it 's inevitable. I 've faxed over every email i have between me and this company to my Attorney  XXXX   XXXX   XXXX . But I 'm giving them The until The  XXXX  Of  XXXX   XXXX  before i continue the process of moving forward with the Lawsuit
Consumer complaint received 2017-04-26
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. (CA)

I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MD)

in   XXXX   XXXX   XXXX   I made my payment early and extra on my principle and when I did that my whole payment went a suspense account, I called to get it resolved and was told that it was. My   XXXX   statement came and still was not correct I was then charged a late fee on top of my regular payment which I was told it was going to fixed. I was then told to make the late fee payment so that they could apply the  XXXX  payment and once I did that they would reverse it out and apply it to  XXXX  payment. I have called and called spend over  40 ho urs on the phone with the company who say that they are fixing the mistake and I am told it was fixed and it was in fact not. I have been making my payments on the   XXXX   or   XXXX   of each month for the following month and I am being charged late fee and penalized for their mistakes. They are calling me today telling me that I now owe over {$400.00} in late fees and that I still owe   XXXX   payment when it was paid on   XXXX   XXXX   XXXX  . Seterus customer service reps have threatened me with reporting this as bad credit. This is not my mistake this is theirs. I want it fixed.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (TX)

I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    ( 7 ) Va rious Dates  XXXX   XXXX   XXXX   ( 2 )   Various Dates   XXXX    ( 2 ) Various Dates So you explain to me that this inquiries are factual in which th ey are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.
Consumer complaint received 2017-04-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (TN)

This seeks to resolve a longstanding issue related to escrow practices that put my mortgage in jeopardy as addressed in previous complaint #  XXXX .  XXXX  's  XXXX   XXXX  's response only restates its policies, but fails to provide the information I need to bring this account into current standing. I also continue to hold that  XXXX  's business model does not provide for the informed risk assessment necessary to have made the decision to place an escrow ( and fees ) on this account to begin with. I, having a clear majority of the property equity had the greater incentive to make a separate arrangement on the back tax amount at the time. Instead,  XXXX  sabotaged the note. That said, before I submit another payment on the belief my monthly payment will return to the normal amount of approximately {$500.00} per month including the monthly escrow payment, I need to make a very specific arrangement that again,  XXXX  's business model does everything it can to prevent or avoid. In short, the only approach  XXXX  's call centers offer is to  ( 1 ) lay er even more fees onto the account without even explain the fees that are about to be applied and without ever reaching the {$500.00} normal payment amount or  ( 2 ) to r oll all of that into a refinance through which  XXXX  would take even more fees. These are conflicts of interest that do not serve the lender Morgan Stanley and do not serve to reach the goal of returning to regular monthly payments and begin making progress against the principal again. To accomplish that I need the following information from  XXXX  :  1.  What is the total amount of payments  XXXX  has received since the escrow was placed on the account?  2. W hat would have been the total amount of payments due at the normal monthly payment amount of approximately {$370.00} after the escrow was applied and {$500.00} per month since hazard insurance was added? ( If the regular monthly payments would have been significantly higher than {$370.00} and {$500.00}, please explain why. )  3.  What is the difference between  # 1 and # 2  above, and how does that figure break down between unpaid escrow balance s ( if a ny ) and fees that have been layered into the account without ever being explained to me? Again, I seek to make an arrangement to satisfy the above to bring the monthly payment down to the regular amount of approximately {$500.00} without layering any more fees into the account.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (SC)

Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.