davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit, Inc (CA)

I had a lease with VW Credit started in XXXX. XX/XX/XXXX I decided to sell the car to XXXX XXXX. They did all the paperwork early XXXX My payment that was due on XX/XX/XXXX still came out of my account, although for days I did multiple attempts to reach VW Credit with no luck. At the end of XXXX I finally got somebody on the phone and they said that the XXXX payment will be refunded and I just need to cancel the auto-pay so I did. Today I received a notice from XXXX saying that my XXXX payment is past due and I owe an upcoming payment as well. Although the person on the phone I told me that that was not the case and they had already received the paperwork from XXXX XXXX. 

Again, I tried to message VW Credit again with no luck. My fear is this would affect my credit. Is it possible to reach out to them to cancel the payments and give me my money back for XXXX? Reaching out to them has no luck at all and they even acknowledged all paperwork was received. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC (AZ)

I searched online for a loan a month prior to needing the loan I used an account that I do not have my full paycheck deposited into as I was entering the information online. when it came time to get the loan I went in and reapplied in person I was asked if I wanted to add an account to my contract I said no he then told me they have account information from a online application a month prior I again said no as that isn't even the account I would use when my bill became due they text and it was not what was discussed as I only wanted to make 1 payment a month not 2 the lady was real nice and changed my due date is what she told me I9 made a double payment on the due date we had discussed the following month I again got a text stating my bill was due I again called in and advised I can only do 1 payment a month the man was not as nice I told him I will make a double payment on my second check a few days later I got a over draft from my bank as he put a payment through on a account they should not of had on file and I did not give permission to run I talked to the district manager who has since insured me that the account is now removed but says the only way to recover my nsf fees is walk into the location of the people that she also told me she will reprimand this is causing severe XXXX and my account is getting more and more negative but she wont let me email it to her this is not right when they didn't even have permission in the first place and I called and said no and they just ran it
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

Every day I get a call from XXXX / XXXX saying they are from Macy 's, after I inform them I do not have a Macy 's credit card they then ask for social security number which I refuse to give them. I talked to Macy 's and they have not made any calls to me. I would like for these calls to stop.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

We have been set up to fail on this mortgage from the get go! I have been working with XXXX XXXX at Rushmore Loan Management to save my house and the only solutions I have gotten are loan mod trial payments that are increasing my payments instead of reducing them. A year ago I lost a $ XXXX job. I was out of work for 2 months with no income and only my wife 's {$55000.00} income. I asked for help and was told to do a short sale as Rushmore deemed I couldn't afford the house. I then got a job with a salary of {$55000.00} to match my wife 's. We get approved for a loan mod trial payment that is about the same amount as my current payment!!! ( The one that is already too high! ). Well they set up the mod trial payments to begin immediately a week after requiring me to come up with {$2000.00} down payment so immediately we are gon na run behind because they didn't calculate the extra month and give us enough time between payments. C'mon really???? That is just setting us up to fail! We did, we were never able to stay current because we started out delinquent on it. So I go get another job that pays more - {$60000.00} back at my old employer XXXX and I again petition for some relief on our payments and we get approved again. Again I had to come up with another {$2000.00} down payment and again was given only 7 days to make the 1st trial payment of get this {$2000.00}!!!!!! Again we started out delinquent on the trial plan - well now we just received the 10 day letter that the plan is being canceled because we fell behind! You started us behind and again we were set up to fail! OK we lost {$28000.00} income and now our mortgage payment gets raised another ball park $ XXXX. We are asking for a lower payment not a higher payment!!! Then I get told at least it will bring you current!! So we can default on the higher payment again. The idea is to fix it right the first time. I also was told if I can manage to pay it for 1 year on time we would be eligible for a refi. No one is gon na refi us with our credit like it is! 

We offered to pay $ XXXX for the house and was told not enough. That is 25 % of our net monthly take home pay. It would be on time every month. My wife does XXXX XXXX at XXXX ( she is an XXXX ) and they offer numerous alternative mods where they balloon balances on the back end to hit an affordable payment. They also set payment structures temporarily for say 60 months at reduced payments to help people get back on their feet and save their house. We have been offered no interest rate reduction, no term extension, no payment reduction. No nothing except pay more and the payment goes up, up, and up. It is almost as if Rushmore wants us to fail so they foreclose on our home of 11 years. 

We can pay and want to save our house. Please help us and please stop raising our payment so high it is un-affordable to us.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WV)

I received two Citi custom cash cards in the mail. One with my name and one with the person of the XXXX XXXX on it. I did not apply for this card. I contacted citi and they stoped it immediately and reported it as fraud
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Amazon send a cancellation of debt form last year saying that the debt I owed was discharged at that time the charges off balance was {$1600.00}. They sent me a 1099-C tax form also saying the debt was cancelled. Then I was disputing the way they reported with the credit bureaus they changed it saying that now I owe {$2100.00}, instead of my account being forgiven of the debt, that also made my credit score lowered by over 20 points. I have file 2 disputes with XXXX  and no update.
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

XXXX has been deceptively putting my loan in forbearance status even though I was never late in payment or requested forbearance status. Also, they are generating higher amount bill than it actually is due so that payment carries over to next month and it does not count as qualifying payment toward PSLF. This is a very deceptive and fraud practice. They are not listening to me and not fixing these issues. If they do not count all my qualifying payments for PSLF, I am going to take legal action against them. I hope they listen to you.
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC (MS)

I am a XXXX XXXX and Castle & Cooke Mortgage out of the Mississippi location told my borrower she could do a bond loan through XXXX XXXX XXXX XXXX via one of their programs or if that didn't work she could do a loan through the XXXX XXXX. The borrower well exceeds the income guidelines for both programs as well as exceeds the income guidelines for USDA. I spoke with them and told them she did not qualify. I was told they wouldn't be counting her stipend income or her second job income. I contacted all 3 entities and confirmed what I knew to be correct ... this is fraud. The fact they knew her income was too great for the programs they were telling her they would put her under even after she had provided income documentation seems to be a clear cut bait and switch tactic to me. I explained this to the borrower but at this point they pulled the FHA case number the day we tried to pull it and will not transfer it. They are still telling her they can do one of these loans or find something with no down payment. I inquired with them about the programs they offer and no such program exist based on this customer profile. My XXXX # is XXXX.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Notice for Proof of Claim Account : ENHANCED RECOVERY # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment  of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an  attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be  assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AL)

Company is reporting an unverified account to the cras as a charged off with a payment status of past due {$230.00} which is illegal. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with XXXX and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and XXXX did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX   Remove this now
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. 
Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. 
The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. 
See residency letter from shelter during the period open and charge under my name. 
XXXX shows day open XX/XX/XXXX and XXXX  XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. 
PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I received a call from XXXX claiming an amount own to Chase Bank, no further details on the account and caller claimed to set up a payment plan, but the info to call back give was a different phone number XXXX with no extension or caller name to call back.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MN)

My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015. 

I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage. 

I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.
Consumer complaint received 2018-09-25
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. (NY)

I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that TRANSUNION amd XXXX  allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
TRANSUNION AND XXXX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a text message from XXXX XXXX XXXX this evening indicating suspected credit card fraud. The message stated that the bank was freezing my credit card and that I could call a particular telephone number to reactivate it. I called that number and have been waiting over 30 minutes on hold. TO ADDRESS SUSPECTED CREDIT CARD FRAUD. 

This is a huge deterrent to the timely resolution of fraud issues and, quite frankly, unacceptable customer service. Unfortunately, it's par for the course for XXXX XXXX XXXX. Rather than the exception, 30+ minute wait times are the rule when it comes to contacting them via telephone.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (ID)

I XXXX XXXX a federally protected consumer was sent a collection notice from MRS BPO LLC on XXXX XXXX. MRS BPO LLC has violated federal law when they sent a bill to my home saying that I owed them {$8600.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). 
There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX XXXX XXXX, XXXX being the creditor, with no factual evidence to back it up. Is this identify theft? What grounds do you have to contact me and say I owe you money?
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

Chase Auto reported to ( XXXX, XXXX, XXXX ) the credit reporting agencies a 30 day late for the month of XXXX. My XXXX payment is not 30days late until XX/XX/XXXX. I believe that Chase 's reporting system/model is fraudulent at best. It's misleading to lenders, creditors, potential employers, and me when attempting to gage my credit worthiness. Nevertheless, the payment was made on XX/XX/XXXX. So it'd be impossible for XXXX XXXX  payment to be late.