davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

This company has violated my basic consumer rights. I have requested them to validate this account and all requested documents be sent to my correct and current address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and other addresses used is false and not accurate. under 15 U.S.C 1692g and 15 U.S.C 1692c. You are to seize any and all reporting activities to any consumer reporting agencies until this account can be XXXX XXXX  validated. I am requesting all documents, including purchase agreement between this company, and the original creditor authorizing the ability to collect on this account, the entire payment history from since this account was established, a full breakdown on how this amount was calculated included in balance and interest fees, proof that you are license to collect and practice in my state of Virginia, original contract, payoff disclosure, agreement, bearing my signature. Also pursuant to FCRA any information reporting on a consumer report must be XXXX XXXX accurate, XXXX XXXX verifiable, and XXXX XXXX complete this account does not meet FCRA requirements for reporting they have yet to fully validate or provide all requested documents for validation, but continue to report this account on my consumer report. By sending just a statement does not satisfy the validation request I am requesting specific documents, and all documents must be received in order to fully validate this account.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WV)

I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (VA)

M & T BANK DID NOT CONDUCT A THOROUGH INVESTIGATION AFTER I NOTIFIED THE BANK OF UNAUTHORIZED DEBIT CARD TRANSACTIONS FROM CHECKING ACCOUNT. 

M & T Bank violated the Code of Federal Regulations 12 CFR 1005.11.

1. M & T Bank did not conduct a thorough investigation of M & T case # : XXXX is violating Federal Regulations 12 CFR 1005.11 ( c ) ( 1 ) a. M & T Bank staff never contacted me during the investigation. It is impossible to conduct a thorough investigation without the input of the claimant.

b. The bank staff never requested additional information during the investigation. The request for additional information took place after M & T Bank denied the claim.

c. A thorough investigation would have yielded answers to concerns such as the pattern of the debit cards use, such as timing, location, and dollar amounts of transactions ; location of the transactions relative to the residence ; location when the error occurred. 
2. No written explanation as mandated in 12 CFR 1005.11 ( d ) ( 1 ) a. The Code of Federal Regulations states, The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings. 
i. See documentation labeled : Evidence # 1 Letter from M & T Bank denying the claim.

ii. See documentation labeled : Evidence # 2 Report prepared by XXXX XXXX, M & T Bank Customer Advocacy. 
3. M & T Bank provided No documentary evidence as requested per 12 CFR 1005.11 ( d ) ( 1 ) a. M & T Bank denied my right to review the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents. 
i. XX/XX/2023, I Requested the documents that the institution relied on in making its determination from M & T Bank Specialist, XXXX XXXX per 12 CFR 1005.11 ( d ) ( 1 ). 
ii. XXXX XXXX indicated there were no documents in the file because there was no investigation. 
Attachments : Evidence # XXXX Letter from M & T Bank denying claim # XXXX Evidence # 2 Report : XXXX XXXX, M & T Bank Customer Advocacy
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (OR)

In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.
Consumer complaint received 2016-10-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Someone sent me {$1900.00} via the app Venmo on XX/XX/XXXX. Venmo requested additional documentation from both of us. I submitted mine immediately and they requested it again. I resubmitted it. They sent a message stating that if they did not receive both of our documents that they would cancel the transaction and refund her money to her. The sender is XXXX and had difficulty sending in ALL things, so I asked them to cancel out the transaction and return her money to her. They would not. It has now been almost 3 weeks and they still will not return her money to her. She has since submitted all documents and they state the license is blurry ( i looked at her email, it was not blurry at all ). They are refusing to cancel the transaction and give her back HER money. They should NEVER have drafted the funds in the first place if the account setup was not complete, instead of taking her money and not allowing either of us to have it. Now they are holding it hostage and this is unacceptable.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, EXPERIAN, XXXX
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I have a mortgage with Nations Direct. I lost my main job and it caused my income to drop. I immediately contacted Nations Direct to talk about lost mitigation or maybe a loan modification. I was denied any help. They just kept giving me the run around. They had me to send the same papers over and over again stating they never received them when I got confirmation each time that they did go through.
This Creditor is acting like they want me to lose my home and not offering me any type of loss mitigation
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have ask this company for the original contract with the digital or written signature I have ask this company for copies of all the statements showing purchase. They only provide me one statement. 

I received a letter from this company showing XXXX bank name but without the signature from the bank I have a different acct number from XXXX credit and a different open date. 
This company has another acct number, another open date. Something here doesnt make sense. I need more information. 

They also sent me a permanent hardship form I sent to them and they have not reply on this. I know they send this form to get information is antrapment They are wasting their time because Im a XXXX person receiving XXXX
Consumer complaint received 2017-01-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NY)

Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I was informed that I owe a company named LVNV Funding. I requested verification of the debt, I requested information regarding a possible charge off of the alleged debt and I requested to know if the collector was licensed in the State of North Carolina. I didn't get an actual verification of said information, just a printout of a statement that I dispute is mine and/or the amount I allegedly owe.
Consumer complaint received 2023-06-22
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: CAINE & WEINER COMPANY, INC. (NJ)

These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

some fraud transactions were made on my debit card, i called to dispute it the bank is denying my claim saying I didn't provide enough information, but the only information I have is that a purchase was made with my debit card/ the date and the amount. I don't have other information because I didn't make this purchase on or around. 
XXXX purchase for {$130.00} XXXX purchase for {$130.00} XXXX purchase for {$1200.00} XXXX purchase for {$110.00} totaling : {$1600.00}
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Thaxton Investment Corporation (GA)

I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

I received an email on XX/XX/ from Synchrony Bank that stated the following : " Adjust Autopay to avoid paying off planned transactions prematurely [ My first name ], our records show you recently made a promotional financing purchase, and are currently enrolled in Statement Balance Autopay. 

To take advantage of the promotional financing period and pay over time, we recommend updating your Autopay setting from Statement Balance to Minimum Payment Due. 

If you do not change your settings, your next Autopay amount will be your new total balance including the total remaining balance on your recent promotional purchase. 

It's easy to change your Autopay settings '' And then it proceeded to describe how to change the Autopay settings. Apparently all purchases are " promotional financing purchases, '' since I have never actively engaged in any of the Synchrony promotions. Customer service, when asked which of my purchases qualified, simply listed my three most recent purchases. 

This is a shockingly blatant predatory marketing email : encouraging ( all? ) customers to stop paying off their debts in order to lure them into growing accustomed to not doing so, giving them a false sense of security. Then, inevitably, the promotion will expire, and Synchrony will ramp up the interest payments, pouncing on the unsuspecting customers who are not on their toes or are slow to adjust. 

Amazon is preying on the same psychological vulnerability that theXX/XX/XXXX companies did : habit formation. The goal is to get customers XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them but good for profits ( XXXX/debt ). This is disturbing and, if not illegal, obviously should be.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide has not been able to accurately compute what they claim is owed. XXXX XXXX from that company claims it is my responsibility to compute the bill. They provided an XXXX totaling XXXX as validation of a debt, they claim I owe XXXX. They have XXXX information on insurance payments, credits or co-pays. How do I even know I owe them XXXX penny?? Bills must be precise, clear and explained. This validation does not meet any legal standard..or any normal standard.This company also terminated my phone call because they said I just did not want to pay. As for that, I think my calling them XXXX is an effort to resolve this issue. Bottom line, if you want to collect a debt, you MUST be able to clearly show any computations of that debt owed. They could not even explain how they reached this figure..they just refused! Please see the attached documents which clearly show the amount demanded and the so-called verification of that debt. Additionally, if the debt is mine or not is not relevant, it is the amounts billed which are inaccurate and unverifiable, therefore making this debt noncollectable at this time. Merchants Credit Guide must either verify proper computations or delete and close this file.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

I was a victim of identity theft in XXXX. I have sent Equifax proof of my ID theft including FTC ID theft affidavit, notarized, and a police report. Multiple times they just " verify '' the information on the accounts and refuse to block it per the law. The verification is not what I am asking. I am providing documents of my police report, affidavit and proof they have received these documents. I originally received notice of this ID theft due to a collection letter on XX/XX/XXXX, from PCS. They ceased collection once the ID theft documents were provided but Equifax still refuses to block the information as request. We are now going on 2 years of my time fighting this because they refuse to follow the law.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with this XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this request to remove the inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediatelyXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (NC)

We took out a loan with XXXX in XXXX for a term of 180 monthly payments of {$590.00}. SunTrust acquired the loan from XXXX in XXXX and has applied the payments in such a manner that even after making the number of payments we agreed to, they say we still owe approximately $ 8K more. I do n't understand why we would owe more if we paid according to the payment terms.