davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

XX/XX/2016. My second partial payment was electronically transferred to SLS on XX/XX/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis.
Consumer complaint received 2017-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CO)

Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10  years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. <P/>XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Attached you will find the new public records report with the documentation of the lower square footage as I stated in my complaint, given to me by XXXX XXXX of the XXXX county assessment office in XXXX Pennsylvania. 

If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXX. 

I will also be sending this to the CFPB.
Consumer complaint received 2017-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX
Consumer complaint received 2016-09-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. ()

On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they Transunion and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over XXXX. XXXX states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over XXXX and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc. (CA)

Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! 
Can you please handle this very annoying matter for us. Thank You!
Consumer complaint received 2017-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward XXXX XXXX
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

I was a victim of internet fraud. Instead of depositing a reimbursement for a legitimate outstanding debt the crooks funneled the complete value of the credit card associated with my checking account into my checking account, in XXXX installments, beginning with {$1400.00} that they showed to me as what they had deposited into my account. They screamed as they " realized '' they had overpaid me by {$1000.00}. I agreed to reimburse them the {$1000.00} by XXXX XXXX. Naturally there was a problem with the transfer and I had to do it twice more. They kept showing me the money was still in my checking. Only when all this was done did I check my account and found out what had happened. I immediately phoned Wells Fargo to let them know. 

After filing a claim with lengthy proceedings they bumped me up to a higherup who asked more thorough questions and had me verify that I had not initiated any of the XXXX transfers from the credit card. He sent me an affidavit of online fraud which I filled out and sent in. 

Wells Fargo weaseled out of both claims refusing to acknowledge that this actually was fraud.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.
Consumer complaint received 2017-06-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Check Resolution Inc. (TN)

I was contacted by NCR XXXX XXXX CEO from XXXX GA about a payday loan debt I took out about 2 years ago from XXXX XXXX in XXXX TN for {$25000.00}. 
XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our XXXX XXXX and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the XXXX He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.
Consumer complaint received 2016-11-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CT)

A fraudulent transaction was made on my Paypal account, a money transfer to a XXXX in the amount of XXXX on XX/XX/XXXX, this was attempted/canceled and refunded prior on the same day and it appears the person ( s ) chose to send the funds differently so the transaction can not be disputed as an actual purchase. Sending funds to friends or family is different from a purchase and to the best of my knowledge it can not be disputed. I notified Paypal of this fraudulent transaction and they attempted to send me a link via email to reset password, two emails were sent and not received. It appears there is some error on Paypal 's end which does not allow their emails to go through to my XXXX email address, this has happened before when they attempted to email me concerning a debit card dispute case. I emailed the person, XXXX, at XXXX. However, she did not reply. I do not know this person, it appears someone hacked into my Paypal account or obtained my password somehow, I recently had to change my XXXX password, which is different from Papal, due to someone hacking in or using my password from another location, somewhere in Texas. I do not know if these two incidents are related or not, however, it is very suspicious. Please advise Paypal to reverse the funds from the other party and refund me ASAP.
Consumer complaint received 2016-09-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.
Consumer complaint received 2017-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MN)

I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.
Consumer complaint received 2017-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WI)

I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, XXXX XXXX XXXX
Consumer complaint received 2016-07-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc. (CA)

United Collection Bureau , INC . Trying to play games for illegal debt collection on XXXX account. I never charged anything on my XXXX card for past 1-2 years. now they sending me the bill of {$280.00}. I ask them to send me the receipt with my signature and there is NO Reply from them for last 2-3 weeks. Looks like they have Fake website and email address? or This company does not even exist? Please Investigate are they exist? or this is XXXX Scam?
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!