davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (VA)

On XXXX, my wife and I received our mortgage payoff information from XXXX XXXX XXXX XXXX. The payoff instructions indicated final payment must be wired, or mailed cashiers check. I chose the former, being ( I assumed ) faster and safer. On XXXX, I went to the Krogers store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, as they were the nearest Western Union center. I provided the woman at customer service all the wiring information given to me. My payoff amount, {$590.00}, and the wiring fee, {$16.00}, came to a total of {$600.00}, which I paid with my XXXX XXXX XXXX debit card. When I arrived home, I went to Western Union tracking online, and entered the receipt 's tacking number XXXX, and saw that it was listed as " Received. '' Since it was Friday, I waited until Monday XXXX to call XXXX XXXX. I was told by the XXXX XXXX rep that they had not received payment, but it could take " a couple days. '' Wednesday XXXX, I called XXXX XXXX again. Payment not received. I was asked to scan my WU receipt, and email it to their research incoming dept. I did so when I returned home at XXXX XXXX. Very concerned, I called XXXX XXXX again XXXX. Payment still not received. The XXXX XXXX rep was very helpful in getting my final mortgage payment completed ( via our escrow ), and contacted WU while I was on the phone with her. After a lengthy process, she was able to connect to a WU representative. She gave the WU rep the XXXX XXXX wiring info he requested, and all of my wiring information. The WU rep assured me my money would be refunded, but " please allow XXXX hours. '' I was assured I would be contacted. I also filed a claim online with WU when I got home, supplying all information, and referencing the confirmation number the WU rep gave me. Being Friday afternoon, I patiently waited until late Tuesday afternoon, XXXX, before calling WU. I was told it was " still being investigated, '' and I " might want to have the sending WU branch trace it. '' I received an email from WU as a result of my filing online, essentially saying it was " up to the receiver '' to issue a refund. Basically, I was being given a massive runaround. The problem was with the woman at the XXXX WU apparently guessing at the receiver, and sending it to the wrong place! The XXXX WU told me I would " have to take it up with Western Union. '' Again, a runaround. I find it nearly impossible to believe that, in this digital age, a company as huge as Western Union ( {$5.00} billion revenue in 2017 ) can not manage to ascertain WHERE my money was sent, WHO received it, and REFUND my money to me promptly! I am patient, but my patience is not without limits. I hope that you office will offer me assistance, for which I offer my gratitude in advance.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unfair practices of Capital One Auto Finance. This company takes advantage of people with lower credit score giving them very unfavorable loans. Loans offered by this bank for people with lower credit score are daily interest loan versus ATR fixed which basically is annual interest rate loan given by other banks. Having daily interest loan big part of payment goes to interest not to principal balance. It is based on daily interest not on annual which increase amount of money pay to the bank of monthly payments. My loan which was 10 percent has absurd monthly payments over 640 dollars. I was able after some lengthy discussion with Capital One to lower to 7.5 percent and still excessive payments of XXXX dollars. Because of daily interest amount of payment is very high. For annual interest loan that payment will be much lower and more affordable. Due to taking advantage of people with low or poor credit score by giving unfair loans this bank creates very difficult situation making payments impossible.where the big chunk of salary goes to car payment. Failing or being late on those payments puts customers in even more difficult situation and leads to lowering credit score. I talked to Capital One in extend about unfairness of loan this type and furthermore better terms of loan but they declined to do so threatening with car repossession knowing that this way they can money by selling car. They don't care that their type unfair loan puts everyone in struggle with excessive payments as well in case the car is reposes leaving someone without means to go to work or store or pick kids from school. I hope someone will go after this bank and force them to change practices and stop taking advantage of people.
Consumer complaint received 2018-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (LA)

In XXXX of this year, I spoke with a representative of XXXX XXXX XXXX XXXX XXXX by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.
Consumer complaint received 2018-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (TX)

Collins Asset Group , LLC never sent me notification of this alleged debt until after I reached out to them in the form of a dispute. I saw a negative entry by this company on my credit reports in XX/XX/2018. This company claims I owe {$10000.00} to XXXX XXXX XXXX ( TX ). I wrote them a letter of dispute and also notified XXXX and XXXX of the erroneous mistake. Collins Asset Group did not remove the negative mark on my credit reports and in fact, told the credit bureaus this was a valid debt. I then reached out to the alleged original creditor and spoke to the owner of XXXX XXXX XXXX, Mr. XXXX XXXX XXXX. He told me that he has no knowledge of Collins Asset Group and he never hired them to pursue me because, I do not owe him any money. I received a letter dated XX/XX/2018 from this company and I decided to pay a visit to XXXX XXXX XXXX and to show them the letter as proof this company claims I owed them money on XX/XX/2018. Mr. XXXX immediately said this is not accurate and proceeded to call the phone number from the letter ( XXXX ) XXXX. A female named XXXX refused to talk to Mr. XXXX calling him a third party and that she needed my permission to speak with him. When I took the phone to give her permission to speak to the owner they claimed is the original creditor, she then refused to talk to me as well. I asked for a manager and was told none was available and that I need to once again, put my dispute I writing. Mr. XXXX, just a frustrated as I was offered to help by writing the enclosed letter and asked me to attach his business card for verification. Im in need of assistance and would like this company to stop pursuing me and remove this negative mark from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions bank is breaking the law. My house was damaged by hurricane IRMA in XXXX. 

Since Florida has been declared a federal disaster area, which means, by law I can get a forbearance payment on my FHA mortgage. 

When I contacted regions in XX/XX/XXXX about my repair cost due to hurricane IRMA preventing me to be able to pay on time they offered a repayment plan not a forbearance plan.

The repayment plan is that I only skip one month of payments and then pay extra payments every month for 4 months until the loan is current. Thats not a practical solution. And I requested a different strategy and was denied.

And not only that they never mentioned to me that not making the one month payment would be reported to credit agencies and a missed delinquent payment.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions Specialist, Inc. (TX)

This company is reporting to my credit report twice for the same debt. ( see attached ). This is a violation of FCRA and the Texas Finance Code 392.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-09-23
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: EQUIFAX, INC. (TX)

I had identity theft problem with my account and for some reason when I move I never did receive the credit card I applied for and now looking at my report I have inquiries that I did not authorize and I have no knowledge of so I reported that to the credit bureau and they refused to move remove the inquiry after I told him that it was identity theft they have all the paperwork on file to show proof but they still refuse to remove the inquiries
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (GA)

I contacted XXXX on two separate occassion asking them to validate a debt that they claimed belonged to me. This last letter I sent out to them was sent out around XX/XX/XXXX I sent out yet another letter to the credit reporting agency and a letter to XXXX  XXXX XXXX asking them to validate the debt. What they sent to me is a bill on their letter head with my name XXXX XXXX as being the patient along with the dates of service and the amount due. But the actual bill was addressed to XXXX XXXX. They said that they believe that the bill is valid yet they did not send me anything from the company itself. If they are legally able to collect on this debt then they should be able to validate the date with more than an amount and a bill with two different name on it I have been the victim of fraud and I am very careful as to anything on my credit report that seems suspicious
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on  XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc. (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.