davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
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. (MA)

On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, Equifax, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
Consumer complaint received 2018-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

I am still gathering the documents that I need. At the present time I do not see a problem getting those documents. XXXX XXXX has taken money out of my bank account without my permission. I made a payment online and the company then took out the complete installment that was due., I had informed them I was attempting to make payments and there was no disclosure indicating that they would be withdrawing the complete amount. I was very stressed and could not sleep for days. Speedy cash has not resolved my concern. I need to know how the company will compensate me for their mistake. I feel so uncomfortable attempting to pay that debt. Scared. Very deceptive business practice. My name is XXXX XXXX XXXX.My date of birth is XX/XX/XXXX, my social security number is XXXX. I do not have the loan number. Please do not publish my personal information. you may publish everything but my personal information.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello : I want to submit a complain against Transunion, because they don`t care about those 3 inquiries that they put on my account without my concent. They got off their sistems and put this information in my credit report. The Seccion 610 of fair credit reporting act states that anything deleted from your credit report and is reincerted need to get a 5 day notification after this item is reinserted. Also I had contact the companies, sent them a c. Letter and never get answered.I call the boreou and they told me that they will not do nothing without the letters, they don`t care at all. I don1t gave any account with them and I don`t have any debit with them. 


XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please, I need your help to get it out of my transunion report, because it is a fraudulent act against me.
Consumer complaint received 2018-05-26
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails equifax refused to block XXXX XXXX XXXX account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
Consumer complaint received 2016-08-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION (IA)

I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2017 I placed an order online with XXXX for a XXXX pair of boots. The boots were sent to our new address but we never received any billing even though we gave XXXX the information during the order. We are applying for a mortgage and were told that this account had a dramatic effect on my score. In 39 years I have never had any bad debt or issues with paying on time. In fact we have always been tier 1 with no issues. I did contact XXXX multiple times and was told I cant talk to anyone in the department handling the issue and would have to wait until they get to it. The account was paid in full and XXXX removed all late fees associated with the bill. My score seems to have been drastically reduced by this issue and now as we are applying for a mortgage has an affect on our ability to get the best rate. I need to have the scores redone to show this issue was resolved and have my score amended. What can be done to have this issue resolved so as not to affect my mortgage. I cant understand how a XXXX invoice can have that large of an affect on tens of thousands we pay on time yearly. I thanks you for your help in this matter.
Consumer complaint received 2018-05-26
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. (IL)

I paid off accounts on my credit, the balances still showed on my trans union credit file, I filed a dispute, it went thru the process 30 days, I received an email telling me my updated credit file was available, when I looked on my trans union account, 2 accounts were still showing one for XXXX XXXX XXXX for {$29000.00} and one for XXXX XXXX XXXX for {$8900.00}. I called trans union and was told they could only file another dispute, I told them no they should have gotten it correct the first time, im waiting to get some financial things done on my account and now still have to wait, they seem reluctant to help, with what they should have gotten correct the first time.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CT)

A rep by the name of XXXX advised me there is a credit balance in the amount of XXXX on my account with Continental Finance LLC, I do not have account number available to me as account is closed. A payment in the amount of XXXX was mailed on XX/XX/XXXX which covers the statement balance of XXXX. Today, XX/XX/XXXX, XXXX advised me I am due a credit in this amount, fees were credited back prior which covers the balance. If this information is correct, I am owed a check in this amount.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (GA)

I received a marketing letter from Colonial Finance and I decided to set an appointment to apply for a loan for {$1000.00} to pay off some citations and car repair from an accident. After applying they said I was approved but would have to pay back {$1800.00}, over {$800.00} in interest!! Highway robbery! Colonial Finance has HORRIBLE and unethical collection practices where multiple representatives used the reference list I had provided when I applied for the loan against me. Colonial Finance harassed me, my manager, my parents, family and friends TWICE DAILY on both cell phone and their work numbers leaving a message each time! Everyone was mad at me for giving Colonial Finance their number because they were harassing them and most are on the XXXX list but Colonial Finance said they did not care and continued to call. I decided to contact XXXX and enroll in a program where they would help me with paying off Colonial and stop the harassment calls. My counselor recommended sending a Cease and Desist letter to stop Colonial Finance 's harassment and so I sent them XXXX. ( see attached ) XXXX sent Colonial Finance payment but they would not negotiate a payment that would be affordable. I was hoping for {$50.00} a month but they do not accept partial payments so I had to do $ XXXX/month, so upon receipt of my payment Colonial responded by filing a lawsuit against me plus court cost. I called my XXXX XXXX for help and so she called this XXXX XXXX who filed the lawsuit to see if she could drop it because it was not necessary ( see attached XXXX and XXXX said there was nothing that they could do. Why not? It is unnecessary and they were getting their payment.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NE)

Daily multiple harrasemnt by phone for a debt that is not owed. Have sent proof multiple times to Seterus Inc. they refuse to correct their accounting errors. They have sent people to my home multiple times have illegaly entered my home, I have been threatened with physical harm by these people. I have served Seterus twice with cease and desist letters they refuse to comply, They have violated FTC rules and regulations have misshandled funds have illegaly held funds causing late payments and pyramiding late charges, they send monthly threats for two years to place me in forclosure, One of their inspectors was caught in my garage when I confronted him he brandished a XXXX XXXX XXXX forcing me to flee inside in fear of my life. 
They have made it so my family does not feel safe in their own home. Have trespassed multiple times on my property after being served in writing that they are not allowed on my property. I do not even know how they ended up with my mortgage.
Consumer complaint received 2018-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One tells me I owe {$380.00} as of XX/XX/2018. I have spoken to dozens of people asking them to explain how I owe this amount as I dispute it. No one can or will explain how I owe this amount. It is not legal for a company to make a demand for money without being able to explain their demand. They will not itemize for me the amount or show me or tell me based on anything how they have come up with that amount. I dispute entirely that I owe this amount. I am asserting they have made a bookkeeping mistake. It is my right to know what I am paying and why but Capital One says they can't explain it. That everything is computerized. And I am saying the computer made a mistake since I do not owe what they are asking. After I say that they won't help me. They can't just bill me something and get blind trust from me. I am a thinking person asking questions. Asking for an intelligent explanation of how I owe the XXXX. Telling me that it is all computerized and that they can't explain it is no answer..and I dare say if that is how businesses are run ... businesses could say anything they want and people would have to pay " because the computer says so ''. I need to know what I am paying for..how and why. Not just " it is all computerized ''. They can have someone go over my account and find exactly how the computer came up with the figure and then explain it to me. that's what I need. I don't have money that grows on trees and before I pay a bill I have to understand it based on facts and figures. Not based on " the computer says so ''.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MD)

Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.

The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. 

At the request a former collection agency I reported the identity theft to XXXX XXXX police. 

I currently have a valid XXXX account that I have had for the past 18 years.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. 

I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. 

They are still reporting it.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX a purchase was made on my Sears Store credit card. At this time there was a special interest free promotion for two years in which we participated. During these two years we continued to make our regular monthly payments of interest + capital and it was our understanding that these monthly payments were being applied to the overall credit balance including items which were part of this promotional offer. We identified today that this was not the case and therefore in XX/XX/XXXX an interest charge was applied to the account of {$800.00} against an original purchase cost of {$1100.00} which is in effect interest of 73 % over the two years. 

We were told today that on the online statement that it was possible to see that our monthly payments were not being applied to the promotional offer items but this was not identified during the entire 24 month process. At no time were we informed of this or the impact of these charges not being applied. When we agreed to participate in the offer we were also not informed that we would need to do anything other than to continue to make monthly payments. 

We are in no doubt that we along with likely a large number of others will have been caught in this deception and will have interest rates applied which look like figures applied in an extortion racket. 

When we spoke the the Account Supervisor ( the most senior person who would speak to us ) we were told that there was zero they could do and that this was our fault for not realizing that our monthly payments were not being applied to the promotional balance.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (CA)

Keep trying to collect a debt on a car they took back for being one payment late. I had catering items int he car worth more then the car would not give back in fact held for additional payment after we worked out an agreement they reneged on it
Consumer complaint received 2018-03-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of  representations and warranties. 

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; SPS continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc. Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account. 

I attempted to request a temporary access and I was a 20 number temporary username. 

These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.
Consumer complaint received 2018-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

On XX/XX/2018, I visited to XXXX XXXX in XXXX XXXX MD to check out a vehicle I wanted and get a purchase order from them. I went in already having financing from my credit union. While at the dealership the salesperson had me to do a " hold contract '' ( which required an application with my social security number ) to hold the vehicle for me granted that I made a down payment that day then once I came back with the check from the credit union they would void the " hold contract ''. I only authorized XXXX XXXX to run my credit for the sole purpose of the " hold contract ''. But since then, I've been getting credit notifications about multiple hard inquiries being made on my credit report that I haven't authorized. Those hard inquiries include : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX all of which I didn't not authorize.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AL)

XXXX XXXX XXXX - servicer of credit card with XXXX XXXX XXXX XXXX XXXX decreased my credit limit by {$500.00} based on a credit score pull. this was done without my permission.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

This company is trying to collect {$850.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.