davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (IL)

I am disputing a debt form XXXX XXXX that was transferred to the debt collection company of Firstsource Advantage LLC. I owed XXXX an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by XXXX. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called XXXX to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have XXXX points. I tried explaining this to Firstsource and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by Firstsource and XXXX when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with XXXX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.
Consumer complaint received 2016-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (OH)

I recently came out of bankruptcy and began making payments on my loan for almost a full year. The loan company, Aspire, keeps adjusting my variable interest rate upwards. I have called and spoken with them about my monthly payments and keeping it affordable, as well as paying them off as soon as I can. I have begun paying my loans a little earlier to help with paying it off sooner. However, my interest rate has steadily increase and make it difficult to lower my principal. I am the mother of a child with a XXXX, and I can not afford for the company to keep raising my interest rate and making it impossible to pay it off. I have never missed any payments nor paid late. My other private loans have remained stable in interest rate, and the company has not given me any satisfactory reason as to why they specifically have continued to raised my interest rate. Furthermore, it seems to me that they are attempting to gouge me. The last time I spoke with them XX/XX/XXXX, I changed my payments so that I would be paying off the loans sooner and they attempted to offer me ways to add more interest to my loans and making it seems like a good deal. I have also asked about refinancing options, but these are more expensive. I hope that this can be resolved by lowering my interest rate and keeping it stable. The most recent raise was to 3.73 %. When I started repayment, my loans were at 3.26 % just 12 months ago. Please help me get this resolved to keep my rate stable.
Consumer complaint received 2017-11-19
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. (FL)

Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.
Consumer complaint received 2017-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (DE)

In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX.  She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer. 

Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice. 

I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account. 

Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time. 

Thank you XXXX XXXX
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliant Capital Solutions, LLC (PA)

Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I fell behind on a car loan with USAA and the bank froze my access to my checking account. I had no idea what the balance was and it led to a number of insufficient funds charges. I saw this article this morning XXXX and after reading this article, I believe this is what USAA did to me.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case. 

If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit. 

Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.
Consumer complaint received 2017-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I dispute transaction ref # XXXX, XXXX and XXXX, and then bank of america provide claim ID # 's XXXX, XXXX, and XXXX. The purchase was from XXXX and the transaction amounts were {$74.00}, XXXX and {$460.00}. The transaction were disputed because the shipment not being received. I tried to go to the company and ask for a refund however, was denied because the shipment said delivered. However, I did not receive the shipment. Upon reviewing the track number no proof of deliver was provide that had my signature or a signature of anyone I authorize to pick up the shipment. I proceed to dispute the amount with Bank Of America and a credit was issued for the amount. On XX/XX/2017 the credits were reversed for no reason or follow up. The merchant has not provide evidence nor have I received evidence showing I received the package. I respectful ask for a credit to be issue and a refund out to the merchant account.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

All three of my student loans are with EdFinancial. 

In XXXX or XXXX of 2023 I applied for the XXXX repayment plan because it is the best plan for me based on my current income. When I calculated my loan payment twice before applying for XXXX and again when I did finalize applying for XXXX, my monthly payments came out to $ XXXX every time. So I knew that my payments, once they restarted in XX/XX/2023, should be about or a bit less than {$200.00}. My income has not changed enough in the past XXXX months to affect my XXXX payment. So there is no reason my XXXX monthly payments should change. 

When my payments restarted in XX/XX/2023, each payment on each individual loan amounted to more than my TOTAL calculated XXXX monthly payment. In XXXX, my payment was again several XXXX dollars above the XXXX payment. Only at the beginning of XXXX did my monthly payment finally correct to XXXX and lower to the correct amount. 

Because I didn't pay XXXX, XXXX, nor XXXX 's payments because they were all incorrect, interest has now accrued on totals that I would have lowered had EdFinancial promptly applied my XXXX application to my EdFinancial account and loans.
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX _ I received and invitation from Bank OF America to consolidate my loans- called the gold option line of credit acct. number - XXXX. The agreement was a XXXX personal loan at 3 % interest. The term was for a 96 month repayment of this loan stating that each time I access the loan the schedule will restart- I immediately paid off my other credit cards within the month of XX/XX/XXXX- I  never attempted to access these funds again for the past 10 years. When I called to ask why I was still paying and my loan was not resolved in XXXX I was told that Bank Of America changed my interest rate in XXXX and notified me in my bill of the change, here is where the fraud begins. 

1. I never agreed to and interest rate change per our original agreement.
2. I did not violate any of the rules set forth in our agreement to initiate a change. 
When I called bank of america about this issue I was told Bank Of America reserve the right to change my rate at any time without my consent, This seems to be very fraudulent since this was not part of our original agreement. 
To date they have failed to produce my original agreement but they were able to access a similar document. See attached. 

I continue to receive calls for and outstanding balance of XXXX in addition I was told that my rat had changed to 18 % Yet my payment received due remained the same. 

I have asked Bank Of TO RESOLVE THE DEBT IMMEDIATELY I HAVE PAID THE FOR 10 YEARS XXXX PAYMENT OR {$83000.00} I continue to be harassed by their collection agency, last years ehis resulted in a XX/XX/XXXX where I was admitted to XXXX XXXX XXXX spending 3 days in the hospital due to stress. my Hospital bills were in excess of {$23000.00}. 

If bank of America can not fix this problem I will be forced to seek legal advise for pain and suffering, and a class action law suite XXXX 

Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Veteran
Consumer complaint received 2016-06-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation (CA)

My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX  responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX  and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (OH)

ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. 
It was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. 
The lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. 
It has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. 
It has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. 
In other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . 
The term void ab initio, which means " to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. 

*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. 
I also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. 

All responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.
Consumer complaint received 2017-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (CA)

On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club. 

By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''. 

I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan. 

I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses. 

Thank You.