davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

This complaint originates when XXXX, now owned by Peoples United Bank, made an error and assured me that a {$65000.00} check that I deposited was good and had cleared successfully. Then, two weeks later they informed me that the check was a counterfeit check and that they had made a mistake and that I now was personally liable for {$65000.00}. Instead of taking responsibility for their error, they hired lawyers to take me to court, and they prevailed, as I could not afford legal representation. The {$65000.00} judgement was now {$100000.00} including their legal fees and so UNDER DURESS I was forced to sign a Home Equity Line of Credit. 

Then after paying each month on time for years, I became ill, largely due to the stress of having to pay wrongfully, and was in the hospital for 2 months and am now XXXX, a XXXX, Veteran, and experiencing a hardship, with medical bills, real estate taxes in arrears, etc, With the help of the VA, I was negotiating a reduction of the alleged real estate taxes due to the local Town, especially the part that included the usurious 26 % of interest and collection fees. I wanted the monthly payments that I was dutifully making to the Towns, to be applied to the full payment of the principal amount first, followed by a substantially reduced 26 % usurious fee. 

Then without my knowledge, nor agreement, Peoples United Bank came in and paid off the Town including all the usurious fees that I was attempting to reduce. Now instead of paying $ XXXX for the Line of credit, Peoples United Bank wants me to pay $ XXXX for all the bogus fees, which I am unable to do, and now they are threatening foreclosure. 

In conclusion, Peoples United Bank has a moral, financial, and lawful responsibility for the : 1. Original {$65000.00} bank error, and 2. Interference with and failure to consult with me prior to paying off the alleged real estate taxes due, when there were ongoing negotiations with the Towns with the help of the VA. 

Rather than threaten foreclosure, it is time that they write off most of the alleged monies due to them as a result of their errors, and let me go back to catching up with all the regular bills and restoring personal health. This is the right thing to do. Then, over time, they will be paid off a reduced amount that I can manage, and we can both be free.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (KY)

I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (FL)

Basically Paypal with American Banks are ruining PayPals good name all over the world. What's going on is American Banks are using PayPal licensed to use name but different banks. The banks knows fraud is going on and don't offer us any progress on claims with a vicious money return fight. The Big Tech companies join together to rob customer with installed bots that take your money and the company sees no data, and asks customer for the date they can't seem And then you can't take screenshots of what you are talking about forcing you to write everything down then they program the apps to fail so you keep have to call them back
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ME)

Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc. (TX)

I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. 

Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. 


Thank you for being a voice of the consumer XXXX
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

According to the site Equifax set up to check if your information was exposed my was. They then offer a link to provide free monitoring and protection. When you click on the link they give you a date on which you will be allowed to apply for the protection. The date they offered me was XXXX, unfortunately on that date I will be on vacation in the middle of XXXX XXXXXXXX XXXX and do n't really have easy access to a computer, I also do n't want to deal with this on my vacation. When I call their " support '' number all you get is a referral to help page, which does not let you get to someone to switch the date. I asked to speak to a supervisor and was told they did not have one at call center. I feel that at a very minimum they should offer multiple dates more than one or two weeks apart for signup. Ideally since this is probably just going to be an application for coverage and protection, the form should be accepted anytime. In fact years ago when XXXX XXXX in XXXX XXXX was hacked they AUTOMATICALLY enrolled all exposed customers with this same protection for a period of a couple of years. Please see what you can do to make the process for enrollment more flexible or even better yet automatic.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (DC)

Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have been trying for months to resolve the issue of my loans. I can not get any help as or answers about help. I am not working and they only offer me two option one is to postpone the other is to pay over 1500 and this is a so called interest only How can I afford that if I am not working? So when I do work, which my hope is in education, the pay still would n't give me enough to cover the big payment! I need help! I keep getting different people and the department that is called advocacy department never answers? I have XXXX different interest rates XXXX different payment, there is no option to consolidate? WhT do I do
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (KY)

I have a car loan I paid on time for a full year and a half, I had to go on fmla from work for 3 months because my daughter was hospitalized resulting in me not getting paid for 3 months. The loan agency would not help in anyway for making lower payments but they let me making minimum payments every week of XXXX which is hard to do when you 're not getting paid but I managed. I went back to work and started catching up on the payments but I 'm currently still passed due because I 'm trying to catch up on the car payment and rent as well. I explained this all to the original lady that I was working with and the agreement was as long as I 'm making active payments they would not take the car. I 'm now having 3 different people contacting me via email and phone all at the same on regards to this account. They are not relying messages to each other. Today while I was on the phone with one collector I had the other person email me that he put my car up for repossession when the lady I was on the phone with reassured me that I was fine. I made a payment on the 4th of XXXX and today I had one email me that they need another payment immediately because they can no longer continue this way. It has n't even been 3 days since I made one payment and I had already scheduled a payment on the 4th as well for XXXX for the 15th which would then put my passed due payment at XXXX which is less then the monthly car note which is XXXX. Every week I get a message that I 'm on the verge of a repossession when I 'm making payments and staying in contact with them. I work XXXX to XXXX XXXX which is the time they try to contact me and I can not contact them back which I 've told them but if I do n't contact them right away they state they are putting my car for repossession.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

VALIDATION AND CEASE AND DESIST National credit system XXXX Naturally XXXX XXXX. 
XXXX, Georgia, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dear national credit systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors 3 I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TN)

I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

This collection agency is re-aging old debt and reporting incorrect date of first delinquency. 
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (NY)

I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

This company has illegally obtained my personal information from XXXX XXXX XXXX  without consent of the consumer in order to sell personal private information. They are harassing me to pay a debt that I do not have under contract this is violation of 15 USC 1692 Harrassment and abuse. I have dispute this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. 
Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company TransUnion and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Consumer complaint received 2016-06-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MacDowell & Associates, Ltd. (GA)

My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.