davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (SD)

Thank you for taking the time to review my complaint. Below is an email that I sent to GM Financial on XX/XX/XXXX, in regard to my family 's 2 leases through them. I have not received any correspondence from them to my knowledge, and really just need the 2 late payments removed from my credit report. 



To whom it may concern at GM Financial : I am writing to dispute the negative reporting on my credit bureau that was due to your negligent website, dating back to XX/XX/XXXX/XX/XX/XXXX. As you may recall, GM Financial underwent a seemingly major website overhaul, or website maintenance period where inaccurate account information was shown. We have 2 current leases with GM Financial, and I log in to pay them twice a month. At that time, I was neither unable to log in to my accounts, NOR was I able to reach anyone with your company as the customer service department was not taking calls. 

Once it was " fixed '', there was a past due notice on the main payment screen where both leases are listed, but not once I clicked on " make payment '' on either account so I assumed everything was on track. I've attached a screenshot of how the actual payment screen looked at that time, and as it still looks today. You can imagine the confusion that ensues from the complete lack of cohesion and transparency on your website. No matter what the main payment screen says, the ACTUAL payment screen ALWAYS shows zero for every line. The user must open a new browser screen or flip back and forth between the main page and the payment page to make sure they are free-typing in the correct payment amount. 

This is completely ridiculous. I pay every other family bill online and your site is by far the worst interface to deal with. At the very least, I recommend fixing it to reflect accurate payment information on the main payment screen, among other customer focused upgrades that are necessary to avoid future problems for your company. 

I kindly ask that you remove the negative reportings from my credit bureau ( the 2 30+ days late payments from earlier this year ), due to your negligence and extreme customer service shortcomings.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Manhattan Beach Venture, LLC (FL)

XXXX University They are holding my degree Because they said I own the school {$5000.00} Has per by student loans And the Department of Education my loans are all being discharged Borrow defense discharge loan Plus I dont own the school The school is being discharged all students loans who attend XXXX Because base on misleading students On education process
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX  payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MA)

I have been trying to open a business account since XX/XX/XXXX. I have been unable to because allegedly I have a past due balance on a personal account that was closed in XXXX. The alleged balance was charged off, but somehow still carries a balance. I have been requesting validation of this alleged debt every 30 days since XX/XX/XXXX. I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form on or before XX/XX/XXXX. I repeatedly made these offers ; every 30 days to be exact. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right, they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/XXXX. As of today, XX/XX/XXXX, the alleged debt is still there so I am unable to open my business account. With no valid documentation ensuring the alleged debt is 100 % verifiable and 100 % accurate, this alleged debt does not exist. The CFPB ordered Navy Federal to pay $ XXXX on XX/XX/XXXX for these same exact practices. It is obvious that those same exact improper debt collection practices are continuing today.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AL)

I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. 

I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. 

On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MD)

XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit  reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (NV)

I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.
Consumer complaint received 2018-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX XXXX XXXXXXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-10-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Round Point Mortgage administration and Law firm reported my VA Loan of around {$240000.00} as owed debt to Veterans Administration and damaging my VA Eligibility entitlement. 
On XX/XX/XXXX my former Texas Attorneys XXXX XXXX and XXXX XXXX supported me on my file bankruptcy chapter XXXX and filed at XXXX, Texas in Federal Court. 
On XX/XX/XXXX Federal Judge Discharged Bankruptcy XXXX in which XXXX XXXX XXXX was was servicing my VA Loan.number XXXX. 
On XX/XX/XXXX my VA Loan was sold or transferred to Round Point Mortgage all evidence of bankruptcy chapter XXXX was emailed to Round Point and VA administration. 

Why is VA Administration gave me a recent certificate of eligibility by email with a debt of {$240000.00} and adding Foreclosure, or deed on my VA Certificate of Eligibility? 

In due of respect to VA Administration and Round Point Mortgage is VA adopting Round Point Mortgage debt of {$240000.00} to get the CORRUPTED, FRAUD VA Loan compensation of guarantee fundings? 

I am XXXX and Retired and XXXX XXXX Honorable Miltary Veteran. 
I am been Discriminated and Retaliated by Round Point Mortgage and VA Administration because I am XXXX and XXXX XXXX XXXX. 

Very Urgent Matters
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Call CapitalOne about letters I received about both of my cards being closed due to a payment that fraudulent. I notified CapitalOne of a strange payment that had been made for {$5000.00} on one of my  CapitalOne cards. I also contacted the bank the payment came from XXXX XXXX in Massachusetts ( not my bank ). Because of a fraudulent payment CapitalOne closed my accounts. The account that the payment supposedly came from was a closed account. I was a victim of a scan of some sort. 
When I CapitalOne today as to why I was being punished by having my cards closed, the agent " XXXX '' was of no help, laughed at me and hung up.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (DC)

*XX/XX/XXXX I requested my credit reports from all 3 credit bureaus to find a collection account be reported by XXXX XXXX XXXX in the amount of ~ {$17000.00}. 
*XX/XX/XXXX I contacted XXXX , XXXX  XXXX XXXX XXXX XXXX , and XXXX ( original lender ) disputing this reporting. The credit bureaus responded with written notification that the debt had been verified, XXXX XXXX XXXX nor did XXXX respond. 
*XX/XX/XXXX I sent a second round of letters disputing the debt reporting to both cb, the collection company, and the original lender. The cb again responded that the debt had been verified, the original lender again did not respond, however the collection agency sent a copy of a statement from XXXX and the front page of an inactive homeowners policy with my name on it. 
This debt is being reported incorrectly and I'm not responsible for this debt, in a written statement ( which I will include ) admits that the insurance company agreed to pay them for the work and when the invoice was submitted to the insurance company the insurance company refused to pay the claim. I have made multiple attempts to contact XXXX & XXXX XXXX XXXX without success.
Consumer complaint received 2018-10-21
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. (FL)

Experian continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
Consumer complaint received 2018-10-21
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX Payment History Changed 93 % 100 % On-time payment percentage as of XX/XX/2018 On-time payment percentage as of XX/XX/2018 Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

The XX/XX/2018 payment status for your XXXX XXXX XXXX XXXX automotive account was updated from " 30 days late '' to " current ''. 




This is what my report read recently, yet recently the late payment was re-inserted and I was not notified within 5 days and in writing which is F.C.R.A. law I want it removed, and not re-inserted again ... as I have provided proof, a letter from XXXX XXXX, and was told that you need to update your records ... and refrain from using XXXX outdated verification and refrain from stating that they verified when they did not ...
Consumer complaint received 2018-01-05
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 — Problem with personal statement of dispute
Company: TENET HEALTHCARE CORPORATION (CA)

On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the XXXX XXXX, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX-XXXX with a XXXX-XXXX of {$970.00}, since they were the ones who provided me with a copy of my XXXX-XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my XXXX and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX XXXX means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX XXXX of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX XXXX XXXX of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
Consumer complaint received 2018-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

I've completed two complaints regarding false statements from my mortgage company XXXX XXXX XXXX. I have a written response from them stating my bank didn't honor my payments and a letter from my bank I sufficient funds and no funds were attempted to be retrieved. The last payment retrieve from XXXX XXXX was in XX/XX/2017. My account has not changed and the check they received in XXXX from my financial institution should reflect the same account info from XXXX 's payment