davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

I paid off my lease for Ford Credit and leased another car from Ford Credit, At the time I lease the new car, I paid the I paid the last installment of the current car. The dealership assured me that it would satisfy the remainder of the lease. 
Within a couple of days from leasing the new car, Ford then drafted the payment from my old car even though the lease was satisfied. I have written XXXX emails and called 3 times to get the refund and I am always promised that it would be refunded immediately. The first e-mail said within 10 days. 
After 2 weeks I called not having received it. I was assured it was on its way, A week later ... the same thing. The next time I called they said it would be 24 hours and it would be ACH 'd back to my account. I still do not have the refund and its been a month. Ford Credit drafted a payment on a paid off account and now I ca n't get a refund,,,,,,, please help. 

Thank you.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian has made it difficult for me to get my report # XXXX and # XXXX they refuse to remove wrong information. I am upset. They are ruining my life. They refuse to provide validation, creditors reporting them do not provide validation and those accounts MUST be removed by law. They are reporting incorrect addresses and they are letting people see my credit who I never authorized to pull my credit. The erroneous information is as follows. 
I never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my addresses, Experian has been notified and refuses to comply and remove them. Additionally, they continue to illegally report the following accounts that do not belong to me. They refuse to provide documentation for me to reasonably defend myself and so do the creditors. Knowing my name, address, etc. does not constitute a contract or legal debt. 
XXXX XXXX Account # XXXX XXXX Account # XXXX .... 
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 
Finally, I did not give anyone permission to pull my credit in years. The illegal, unauthorized credit pulls that need to be removed are here. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I was a victim of the XXXX Data Breech and my purse was stolen in XX/XX/XXXX with my social security card, driver 's license, and my birth certificate on a card. I already sent a copy of the police report to Experian and a copy of the letter including me in the XXXX data breech. These are not my accounts. I have hired XXXX XXXX to sue if it 's not corrected immediately. I am done being a victim.
Consumer complaint received 2015-11-02
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}.
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?
Consumer complaint received 2020-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (CA)

I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a XXXX XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from XXXX XXXX stating that they purchased the loan from Ditech for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX  to XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of 31 years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















XXXX
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I had sent an email to Transworld Systems INC ( TSI ) they collect for the XXXX ( XXXX XXXX XXXX XXXX XXXX ) and don't remember the date, to say that the amount was incorrect. I received an updated letter with an updated amount that I am willing to pay. Today XX/XX/20, XXXX, XXXX, I called XXXX, XXXX to ask what is the process to update, an account and remove it from my credit report once it is paid. I got XXXX on the line and asked her what is the process. She wanted to verify my identity first and I asked her what difference does my identity make. I'm just asking about the process. From my phone number she verified my identity and affirmed my identity. She would not shut her mouth and listen, kept speaking over me, kept interrupting me and would not give me the information I was requesting. I just said forget it and hung up.
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Mendelson Law Firm (MS)

I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (VA)

I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When my husband and I leased a car recently, the dealer said I did not have a credit score. I got my credit report from Trans Union showing the hard inquiry by XXXX XXXX. I also went to the XXXX XXXX free credit score site and got my score from them through XXXX. I called Trans Union but could not make the representative understand my dilemma. He kept telling me the problem was with XXXX XXXX 's calculations, even though the problem was n't their calculation but the fact that I had no score at all. I have written Trans Union three times but have received only form letters that do not address the issue. There was a slight discrepancy with my address which I have tried to correct, but again all I get in response are form letters. My husband and I have been married for 45 years and have essentially the same credit report. His score and the one I received through XXXX XXXX are well above XXXX. He had a near fatal illness last fall and if he had passed, I would be financially paralyzed. Can you help me find out why I do not exist in the eyes of Trans Union.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
Consumer complaint received 2016-09-15
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC. (NY)

the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. 

Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (ID)

I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).
Consumer complaint received 2016-04-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please