davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> World Finance Corporation XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Dear World Finance Corporation, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have already attempted to have XXXX XXXX XXXX XXXX XXXX ( " MCM  '' ) issue a statement to the three credit reporting agencies regarding a debt it is trying to collect in my name for an address in a state that I have never resided in. I believe that the debt MCM is trying to collect is based on inaccurate and/or unverifiable information, and as such a statement should be issued to the three credit reporting agencies outlining the same. 

On XX/XX/XXXX, I received a collection notice from MCM   instructing me that I needed to pay a debt owed to MCM in the amount of {$2700.00}. Since then I have been sending to MCM correspondence disputing the veracity and credibility of the debt held by MCM. 

On XX/XX/XXXX, I was informed by MCM that after it conducted an investigation into my claim I would be held liable for debt payment to MCM. Even though I can provide evidence to refute any findings of an internal MCM investigation I am still being harassed by MCM on the basis of a debt that is based on inaccurate and/or unverifiable information. 

I feel as though I am being unfairly harassed by MCM.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
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I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
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Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
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Kindly assist me in doing this and advise me as to what I should do next.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/XXXX, I was approved on line for opening a checking account and brokerage account by Charles Schwab Bank. I setup a password and user ID and was able to log on to the account and select funding options. I decided to use direct deposit to fund my account. I also used online chat to verify the account was open and could be funded by direct deposit. No where was I provided any INFORMATION about the account not being fully approved. On XX/XX/XXXX, I reached out to my employer and setup direct deposit. My first deposit to fund my newly opened checking account was going to be on XX/XX/XXXX. Today I logged on to Charles Schwab to confirm if my direct deposit was received. When attempting to log on to the account, I was unsuccessful and received a message stating " this account is now closed ''. This message validates the account was approved and opened. I did not receive any information by email or paper mail informing me the account was closed. I called their customer service and was informed the account was not approved based on information obtained from my XXXX Credit Report. This is something they should have known at the time of approving and opening the account one week prior. My direct deposit will now be returned to my employer and a paper check will be mailed to me. It may take up to 10 days. Not only is this the primary inconvenience, I also closed my other checking account the day after opening the Charles Schwab checking account. There must be some form of legal action I can take against this pathetic bank/brokerage company. No big deal if I 'm not the client Charles Schwab is looking for, just let me know at the time I apply. Do not open my account and change your decision a week later leaving me with no money and a returned direct deposit. This is going to be difficult to explain to my employer about the direct deposit being returned.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

My vehicle is financed through Credit Acceptance. To avoid repossession of the vehicle, I agreed to an installment plan on my account. The current installment plan is for the amount of {$560.00}. The total amount is {$700.00}. I was informed that late fees & interest will still apply. However, the payments are not being accurately reported. Instead of the payments being recorded as agreed, they are being reported as missed.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

Since XXXX i have been battling with 3 companies which i believe to be the same reporting bureaus. They are reporting closed paid off accounts information to the 3 major reporting agencies. 1. Syndicated Office System 2. XXXX XXXX XXXX 3. Central Financial Control All three parties are reporting multiple accounts which they are also reporting them as duplicate on my credit report showing {$550.00} 3 same account # also {$150.00} 3 same account # also {$750.00} 3 same account #. And they also added the totals and created an account adding all the totals together. I tryed contacting the three parties to please remove accounts or provide information and received nothing and it is still showing on my credit report.
Consumer complaint received 2017-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
Consumer complaint received 2017-07-06
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. (KS)

On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I have asked the company to removed this information from my credit report, but yet it has not been done, it is still showing up and my credit report as collection paid, closed I have disputed it with XXXX and also with the company .all I am asking for is to have it removed permanently from all of my credit files. XXXX 2016, {$570.00}. what I do n't understand is why should I keeping on disputing this from the first time I asked them to removed this debt I should have taken care of.
Consumer complaint received 2017-07-06
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: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX I was in XXXX. Tried to use my debit/credit card from Citizens Bank. The card did not work either as debit or credit card. ( Plenty money in the account ). Today, XXXX XXXX I went to XXXX and tried to use my card as debit and credit. Did not work. There is a Citizens Bank in XXXX XXXX XXXX. I went over to the bank and at first they had no idea why my card would n't work. Then the young lady who seemed to be a manger tried to sneak out without answering my question ; what 's wrong with my card! She said oh you got your PIN number wrong 7 times in a year so the card was shut down! No notification from the bank that they shut down my card. The teller and the manager did n't care, that is Citizen Banks policy. This is wrong on so many levels. They need to notify their customers when this happens!!!!!!!!!!!!
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (FL)

Every year, our huge building bids out the required insurance. Every year I receive and forward proof of insurance to my mortgage servicing company, known by several different names, including XXXX, NewRez & Shellpoint. They have billed me for lender placed insurance multiple times. Each time I have had to spend a lot of my time getting them to remove their unnecessary lender placed insurance. I have received several different instructions for how to get proof of insurance to them, and there's no easy way to do it. They claim that my account is in arrears, but that's only because they have overcharged my account for lender placed insurance. I have provided proof of insurance multiple times, yet they have not removed the extra charges. I have also provided a record of my payments, which have all been made automatically every month without fail. They intentionally make it very difficult to avoid their extra charges, and when I'm able to get them to remove their extra charges, it takes hours of my time. I can not afford to spend so much time fighting their unethical tactics which, in my opinion, should be illegal. This is my second complaint [ see XXXX ] for the exact same problem. I have no problem making all my payments on time, but I refuse to pay the extra charges for lender placed insurance that were and will always be unnecessary.
Consumer complaint received 2017-07-06
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. (CA)

I have requested XXXX Equifax supply me with documentation of their verification of the Bankruptcy on my credit file. XXXX Credit Bureau and Equifax Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from XXXX and Equifax. As of today XXXX/XXXX/2017, I have received nothing from XXXX or Equifax. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.
Consumer complaint received 2017-07-06
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. (MI)

I attended XXXX college from the XXXX of XXXX through the XXXX of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the XXXX quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all XXXX  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : onXX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Consumer complaint received 2017-07-06
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. (MA)

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (WA)

I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland
Consumer complaint received 2024-09-12
Product: Credit 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 (GA)

XX/XX/year> I signed up for the Capital One Venture Card which has an annual fee of {$95.00} and a sign up bonus offer where I have to spend {$4000.00} in 3 months to get XXXX points. Because I am at my XXXX location, I asked that the card get mailed to my XXXX address. As part of this application process and approval, I was asked to submit my government issued ID online to prove my identity. 

XX/XX/year>XXXX  I finally received my credit card in the mail. There was a lot of back and forth where I was on the phone with Capital One on sending the card to the correct address. This in of itself was very painful. 
My new card is locked and goes into " Restricted '' status because of potential fraudulent activity. I call Capital One, and they tell me I have to submit documentation proving my identity online. I immediately submit the documentation the same day ( US issued Passport, Birth Certificate, Social Security card, Driver 's License, and Proof of Residence which is my XXXX XXXX  statement ). I am told it will take 10 business days for them to review the documentation and get back to me. 
They never called me to follow up like they said they would. I tried the card on XX/XX/XXXX to see if it would work, and it seemed to work fine, but without notice from the company. 

XX/XX/year> My card goes into " Restricted '' status again, and I am asked to call Capital One. I call them and they tell me that I have to submit the exact documentation again to prove my identity. 

XX/XX/year> I call Capital One to get status on my card, and they verify the documents with me over the phone. They conference call XXXX XXXX  on the line to validate my residence and address with them. They proceed to tell me everything is fine and that my identity is validated. I can use my card again. 

XX/XX/year> My card again goes into " Restricted '' status. I call Capital One once again, and they tell me exactly what they've told me the past two time. I have to validate my identity and they are asking me again to submit the exact same documentation I've submitted to them two times already. This will be the 3rd time I am asked to submit my Driver 's License and my Proof of Residence online. 

XX/XX/year> I call Capital One and they tell my I have to wait 10 business days for any updates, and that they will call me. 

They have never called me and I have lost faith in this company. I can not use the card. I have been charged {$95.00} and want my money back, I will not be able to meet the Sign Up Bonus offer on spend at this point because the card is unusable. I would like compensation for my troubles.