davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

This company XXXX XXXX mailed me a letter on XX/XX/XXXX. This letter stated I owed money to a certain credit card company. When I recieved their letter, I instantly reached out to them on XX/XX/XXXX at XXXX to find out what this debt was in regards to. They told me this debt was a credit card that was opened on XX/XX/XXXX. They told me the card was closed XX/XX/XXXX for non payment and charged off. I reached out to the credit card company and they sent me a letter on XX/XX/XXXX that stated they have reported my account accurately with the credit reporting agencies and that my accounts on file with them were closed, paid in full, and in good standings. I called XXXX XXXX and told them what I was told with the reps name and contact info. XXXX XXXX had no explenation for me and couldnt assist me. I called back on XX/XX/XXXX at XXXX and had to leave a voicemail with no returned call. So In return I sent them a certified letter which was signed and recieved by them asking them to provide me proof within 30 days that this was my debt and what exactly it was for, how they calculated what they say I owe, provide me with a copy of the judgment, show me they are licensed to collect in the state I live in, and provide me with their license number. All future communication with me must be sent via mail. They never responded to me or tried to reach out to me. Four years later they serve me with a notice to revive judgement. How can a company keep reentering judgements agaist someone when they cant even provide the requested documentation to show proof of the debt. Why as a consumer would I pay for a debt that I know isnt mine!? When I XXXX this company their is nothing but corrupt comments about how terrible they are and how they practice illegally and that they have been sued by other consumers fro fraudulent actions on their behalf. I will be hiring a lawyer to help protect me against these crooks!
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Bureau, Inc. (FL)

XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report.

I lived at XXXX XXXX  back in XX/XX/XXXX. When I got ready to move I spoke with XXXX  the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent.

This was verbal agreement that XXXX the apartment manager gave me.

After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX  who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place.

I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment.

Before I agreed to pay the collection, I phoned Merchants Credit Bureau, I believe I spoke with XXXX XXXX I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years.

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me.

Please review this matter, I look forward to hearing from someone hopefully with good news.
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been steadily paying my subsidized and unsubsidized federal student loans through multiple different debt collectors since XXXX. Now this month they have all been consolidated or owned by Navient, and there's a Private loan I do not recognize that says I owe around 6k. I graduated high school in XX/XX/XXXX and applied through Fafsa in XX/XX/XXXX, got my two checks around then, one was for tuition, the other was for books and supplies. The first was in the amount of about 1300 , the second check was an even XXXX XXXX This private loan information says I received a different check also in the amount of XXXX $ in XX/XX/XXXX. I do not recognize this loan, and have already tried contacting Navient twice through email, and twice by phone. Please advise on what to do. I was so close to paying off all my student loans, then they were all bought by Navient, now all of a sudden I owe XXXX!!! Something is wrong here. I believe through the practice of selling and buying our loans to multiple companies, a duplicate loan was somehow created. Also, the school is question in XXXX University XXXX, I could not find it on the list of schools.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (KY)

On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (AK)

I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information. 
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided. 
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established. 

If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices. 

I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.
Consumer complaint received 2018-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I disputed the XXXX collection account as not being mine. Both Equifax and XXXX has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanStar Home Lending (LA)

I applied for a FHA purchase loan through XXXX XXXX XXXX in XXXX, LA and XXXX XXXX was my assigned loan officer on XX/XX/XXXX. I was referred to XXXX through XXXX XXXX, that, also, worked there. Since I already live in the home, I gave XXXX all of my income documentation and we locked the interest rate on the same day. I was told I had an automated approval and everything was good. I accepted the electronic consent and waited for the disclosures. Apparently, the local office in XXXX was closed down on XX/XX/XXXX due to a massive layoff of Loanstar employees. I was reassured the loan would be processed from a corporate location. I called XXXX XXXX and XXXX XXXX on XX/XX/XXXX because I still had not received a loan estimate. XXXX called the HR Manager to let them know of the issue. XXXX XXXX, regional manager, called her back to get more information on the loan on XX/XX/XXXX. On XX/XX/XXXX,  XXXX XXXX, operations manager, and XXXX XXXX, regional manager, called XXXX XXXX back to inform her that since the loan estimate was not sent in the required 3 day period, the file was not in compliance. XXXX had calleXXXX XXXX XXXX XXXX   compliance division and they informed her the file would HAVE to be withdrawn since it isn't in compliance. Also, they stated I could reapply in 30 days to continue with my purchase loan. As of today, XX/XX/XXXX, I have not received a notice of withdrawal or any communication from XXXXXXXX XXXX XXXX. I HAVE NOT withdrawn my loan through the company and didn't have any intentions to do so.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Credit & Finance, Inc. (PA)

On XX/XX/XXXX I was contacted by XXXX, last name unknown. She started by saying this call is being recorded. She told me that I owed a debt to XXXX XXXX. I told her, yes I do. I told her that I was at work and could she call me after XXXX. She would not get off the phone. Finally she said for me to call her when I get a break. I called her around XXXX, the call went to voice mail. I left a message. On XX/XX/XXXX I receive a call from XXXX, who started the call by saying she is recording this. She preceded ask me what happened, why did I fall behind. I explained to her that the payments we to high for me to handle and I fall behind. She proceeded to say, well I need to know what happened, I know that you are a proud person, and I really need to know what happened. I explained to her that I had XXXX on my XXXX and that my insurance didn't cover {$5000.00} of it. They payments were to high for me to handle and that I was falling behind with all my bills. I told her that I contacted a debt consolidator to help me with my credit. I told her what he wanted me to pay {$450.00} every 2 weeks, and that I couldn't afford that. So I contact my creditors on my own and was making arrangement to pay them off 1 by 1. She said well you never called XXXX XXXX. I told her I was going to call them because I know I owe them. I told her I would like to make arrangements to pay this debt back. She started asking me, questions like what happened, I see you paid so much and you stopped in XX/XX/XXXX. I told had fall behind because the payments were to high but I am willing to work something out to pay this. She said that she needed to know why I let it go. She said that I was to proud to tell her what really happened. I said to her what do you mean. You can tell me what is really going on. She says so you had XXXX  XXXX and the payments were to high. Yes. I said that is what I said. Really XXXX you can tell me what really happened. I said to her, I am sorry, what do you want me to say. I know you are a proud person, just tell me the truth. I said to her are you trying to collect a debt or are you a councilor. She says just tell me the truth. I told her that the call was now ended and I hung up on her. She gave me know account number. She was very rude and to me she wanted me to get angry. She kept saying I know you are frustrated. No. I said to her. I am trying to work something out with you. But she didn't want to hear that nor did she seem to want to work anything out.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

I purchased a home appoximately 9 months ago with less than 20 % as a down payment, so private mortgage insurance ( PMI ) was included on our monthly bill. Our loan was purchased by Chase mortgage, and is invested by XXXX XXXX. We now have the funds to pay off the loan-to-value ratio to less than 80 % which should result in PMI termination per the Homeowners Protection Act ( HPA ). However, Chase Mortgage via XXXX XXXX has imposed " seasoning '' requirements which don't allow PMI to be cancelled during the first 24 months of mortgage unless significant home improvement projects have been undertaken and the new value of the home assessed via BPO. I don't believe this " seasoning '' mandate to be in allignment with the HPA. I have called Chase Mortgage multiple times, and filed a dispute which was sent to an escalation manager. However, I was told that XXXX XXXX is the party that sets the PMI removal regulations and that Chase Mortgage could not assist me in removing PMI unless home improvements were undertaken. Per the HPA, these " seasoning '' requirements seem to be at odds with current legislation.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Consumer complaint received 2018-08-07
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: Experian Information Solutions Inc. (NC)

I noticed that there was an unauthorized hard inquires from XXXX XXXX XXXX on XX/XX/2018 on my Experian credit report that i did not make, i called Experian to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian or XXXX XXXX is working together using my info TO OBTAIN CREDIT.
Consumer complaint received 2018-08-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION (MI)

I talk to the collection company about a month ago and told them I file chapter XXXX bankruptcy and it was discharged on XX/XX/2018.  But they keep harassing me. My law also contact the collect company but they still continue to harass me and threaten me. The original company is check-n-go but it's in collection I don't know the name of the collection company. Here is their telephone number ( XXXX ) XXXX
Consumer complaint received 2018-08-07
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: BARCLAYS BANK DELAWARE (TX)

There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

Back in XXXX / XXXX of 2017, my sibling downloaded a virus without my knowledge and the person who made the virus was stealing all of my information without my knowledge. They used {$3300.00} for XXXX which while I was doing my research since this isnt the only card that it has happened too they use it to get money off of either credit cards or any type of cards without any problems. They had / have all my pictures including me with my ID and other pictures relating to that since I did use it for a job with validation also had my social security number etc. by the time I noticed the charges on my account I disputed through XXXX / XXXX   since I was an authorized user on the card they just removed me off of their without asking my parent. They have still to refund the money that was fraudulently used. My mom has been a card member for almost 10 years and never had a problem and this is what we get in return. 

Thanks, XXXX XXXX