davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I do not believe I owed what the creditor says I owed. To my best of knowledge, I had never received anyone who contacted me about an unpaid balance. I do not recall this debt, and as a result this debt may have been fraudulently conceived. I respectfully ask that you provide me with the following documents to verify that I in fact, owe this debt. 
1. A written contract between the original Creditor and myself, that was signed by me. 
2. All monthly billing statements that show the location of purchases or balance transfers and the amount of each, that lead to the calculation of the balance you claim I owe.. 
3. Proof that you have the legal ability to collect debt in my state of Florida. 
4 Proof that you own this debt. 
5. Copies of any payments that were alleged to be made by me, or someone i authorized. 
6. Copies of receipts which shows my signature, or the signature of an alleged authorized user. 


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * You can not add interest or fees except those allowed by the original contract or state law. 
*You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; I asked for the company to verified the debt they sent back a letter that says XXXX XXXX XXXX that is not my name my name is XXXX XXXX XXXX XXXX 

I thank you in advance as I try to take the appropriate steps to separate my good name from possible fraudulent debts. 

Thank, XXXX XXXX XXXX
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Am Filing this complaint because Trans-union has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You.
Consumer complaint received 2015-05-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact. 

A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!! 

So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (GA)

I have disputed Net Credit regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (DC)

I cosigned a loan for a student at XXXX University in XXXX, MA, issued by Sallie Mae. The borrower cut all communication from me right after the loan was transferred to the school, and refused to have my name taken off as the cosigner. Now the borrower is delaying payments, and is forcing me to pay off the payments assigned to the loan or have my credit score diminish. Right after this happened, I contacted Sallie Mae and asked for an application to have my case heard and considered for a cosigner release. They told me that only the borrower can have the account considered for cosigner release, which is something I was not told about or agreed to when cosigning the loan. I was told that I have equal responsibility over the loan, yet when it comes to any action towards the loan - whether it 's actually have my cosign released or having my cosigner release form even considered - is something only the borrower can forgo. This has put my financial situation at high risk, and at the whim of the borrower - and something that Sallie Mae would n't even consider for cosigner release since only the borrower can do that. I was then advised by the escalation team that since I do have equal responsibility of the loan, I can request XXXX University to return the loan in full and then my cosign would be terminated. The escalation team told me that this is a practice they have done before and are willing to do for me since this is a relevantly new loan. When I contacted XXXX, I was told they would do this for me and that I should send an official demand letter stating my case and they would talk to Sallie Mae to make sure this was acceptable, and if it was, then they would exercise my right to have the loan returned. After a long delay, they responded to me after two weeks - at this point I have already been asked to pay off interest payments on the loan - and told me that they do not have any obligations to the cosigner and that they would not return the loan. Now my credit score or my financial account is in jeopardy and at the whim of the borrower, even though I was only following the advice Sallie Mae had given me, and only had given to me when I made it clear that unequal treatment over actions taken on the loan is not something I agreed to.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (NJ)

A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (NH)

Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).
Consumer complaint received 2015-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (MO)

I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine.
Consumer complaint received 2015-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (VA)

After being a customer of XXXX for TV ( $ XXXX/month ) for 5 or more years, I became so frustrated with lousy reception and the need to change boxes or have a technician come to the house so often, that when a service person called after a weekend in XX/XX/XXXX if we had called over the day or two before that I told him that as of that time we were discontinuing service with XXXX. I figured that at most we had received 5 days of 31 possible days of service that month, and I sent XXXX a check for 5 of 31 days billing, totalling {$14.00}. This check was cashed by XXXX, but I was billed until XXXX, XXXX 
Furthermore, I called XXXX to pick up their equipment. No one came to the house, and after the XXXX call they sent a postage paid box for me to mail by XXXX their equipment. They received it, and the mailing took place in the XX/XX/XXXX. I never received any receipt for this. 
In addition, I have receipts for equipment loaned or rented to me by XXXX back to XX/XX/XXXX. 
I received bills from XXXX through XX/XX/XXXX, and on XX/XX/XXXX I received XXXX calls, presumably from XXXX but possibly from a collection agency in XXXX, TX, who began mailing me notices of my past bills and statements that my credit rating could be damaged if payment were not forthcoming. I received the XXXX written notice from the credit collection agency on XX/XX/XXXX. 
On a phone call of XX/XX/XXXX a woman asked if XXXX XXXX sent the cable box and equipment. I told her of my letters of XX/XX/XXXX and XX/XX/XXXX to XXXX setting out my position and verifying that I 'd sent the equipment as they requested. 
I spoke on XX/XX/XXXX to a representative of the credit agency and told her that when a human being from XXXX contacted me, I 'd be glad to communicate with him/her. As far as I know the credit agency has a copy of my original letter of XX/XX/XXXX to XXXX. 

The last printed claim against me for this bill from the collection agency was postmarked XXXX XXXX. I have not opened all the printed notices, but adjustments were made, and I am said to owe XXXX {$220.00}. 

I have had up to XXXX calls a day from the agency. Most I do not answer. A recording asks me to verify who I am, and says what the matter is, gives me a reference # and their XXXX phone #. From my standpoint the calls are a type of harrassment. Furthermore, XXXX billed me through XX/XX/XXXX, then adjusted a bill or XXXX, saying that I had had no service since XXXX XXXX. In the meantime their monthly bills had increased. 

I am asking if you think I am being harrassed. I shall be happy to print out my message to you and send it to XXXX. 

Thank you.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I sent disputes to Experian over 45 days ago and when they finally did respond they said they were " unable to honor XXXX my ] request.. '' due to a limited amount of information. This is not true! I gave them a reason for each dispute and detailed explanations. They are attempting to stall the investigation and this is unfair! My name has been defamed because of the numbers erroneous accounts they are reporting. It is my right to dispute these items and by law they must investigate and respond. They have failed to do their part and need to be held accountable! I want these erroneous accounts deleted immediately! I have given them more than enough time!
Consumer complaint received 2015-05-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!
Consumer complaint received 2015-05-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OR)

I have been trying to obtain a XXXX home mortgage loan for roof repair from Wells Fargo. They declined saying I was " late '' in making payments in the fall of 2013. This is not true. During that period I underwent a loan modification process and during that process WF specifically advised me to not make payments. 

More importantly, last week I sent you an official print out of my payment history to Wells Fargo that I received FROM THEM. It shows NO late payment in the fall of 2013. 

I have also sent this official print out to the XXXX credit reporting agencies so they can correct their reports. 

Therefore, Wells Fargo should stop lying and grant me a mortgage loan for roof repairs. 

thank youXXXX XXXX
Consumer complaint received 2015-10-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? 
I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lendmark Financial Services (SC)

A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. 
It would be greatly appreciated if you all could assist me in resolving this matter.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

I fell behind on my mortgage due to loss of income and my monthly mortgage payment went up ... i 've tried a loan modification many times but unsuccessful. i 'm so far behind that there 's no catching up ... i have to do a shortsale.. i have an offer on the property and there is an active shortsale but my lender tells me that they needed to have the offer at least XXXX days prior to the sale date in order to postpone the auction. the auction is scheduled for XXXX XXXX ... i need a little more time please. thank you.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

Since XXXX XXXX I am a Medicaid recipient and this benefit has never stop. This company is trying to collect a debt that I do not owe because Medicaid pays all the bills that we owe. The situation and my concern is that XXXX members of my family have been contacted by this agency and XXXX of them paid more than XXXX XXXX dollars for a debt from XX/XX/XXXX when he was a child. Also my uncle who is medicaid recipient too, is being harassed by them trying to collect a suppose debt.