davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

There are two companies involved here. One is XXXX XXXX d.b.a. XXXX XXXX ; the other is National Credit Adjusters. In XXXX of XX/XX/XXXX I took out a loan with XXXX XXXX. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from XXXX XXXX told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, XXXX XXXX sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency National Credit Adjusters saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XX/XX/XXXX XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern XX/XX/XXXX and moving to XX/XX/XXXX where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to National Credit Adjusters reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from XXXX XXXX saying my loan is paid off. 
2. The Paid in Full doc from XXXX XXXX XXXX. 
3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.
Consumer complaint received 2018-07-25
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: Colony Brands, Inc. (NJ)

I have no recollection of doing business with this creditor. I have disputed this account numerous times. After numerous attempts to have the account removed from my report through disputes account continues to be verified and not investigated properly. The Creditor continues to refuse to remove account and re-aged the account.
Consumer complaint received 2018-07-25
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. (LA)

Credit Inquiries 1. XXXX XXXX XX/XX/2017 2.XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX. XX/XX/2017 5. XXXX XXXX XX/XX/2017 6.  XXXX XXXX XX/XX/2017 7. XXXX  XXXX XX/XX/2017 8. XXXX XX/XX/2017 All were dropped off and some how appeared back on my credit report. drooped my score 28 pts
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Avadyne Health Holdings, Inc (PA)

XXXX XXXX  continue to contact my place of work after I asked to stop on several occasions. They have been verbally aggressive over the phone.. 
the phone numbers they call from are XXXX and XXXX
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (PA)

Westlake Financial Services bought the company that I took my original car loan out with. I know and understand that my payments are late as of right now but I am making strides to get it caught up. My problem, however is that they are harassing me at work via my company telephone line and call me upwards of 15 times per day. I have asked them on the phone in the past to not call me at work, at my employer prohibits me from receiving these kind of calls during work hours. They have continued to call. They even called me today, XX/XX/18 at approximately XXXXXXXX XXXX. They have called my cell phone already fives times today and its only XXXX in the XXXX. I have explained that I am struggling financially right now and even asked if they could temporarily lower the payments for me so that I can try to catch up. They denied my request. They have also denied my request to essentially refinance the loan and extend out my term. I am trying to work with them but I can not continue to receive these calls constantly through out my day. Its harassment!
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have contacted Capital One about two accounts that they have been reporting and they continue to report and even try to settle with bills. These accounts are not mine, I never had capital one credit cards. It is obvious what accounts I am aware of because I pay them and Capital One is not one of them. They will not provide applications or security agreements that was completed for me to even try and investigate where they received my information from.
Consumer complaint received 2018-07-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (CA)

I had a payday loan from an online lender, XXXX XXXX XXXX, which originated XX/XX/XXXX and went into default that same year. They wrote the debt off and it must have been sold to Midwest Recovery Systems who are now re-aging this old debt. Under California law, the statute of limitations is 4 years - this debt is over 6 years old. This  company has been calling me non stop, sent me an email and have reported this debt as new debt with a start date of XX/XX/XXXX with the reporting bureaus, hence my Fico Score has taken a huge hit - they are clearly trying to re age an old uncollectible debt. I would really appreciate your help in getting this resolved. 

Thank you,
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I sold a medical device to XXXX XXXX via XXXX. 
She requested a refund claiming the item no longer works. 
Her request was past the 30 days allowed for a refund. 
The item worked as shown in the photo the day I posted it and sent it. 
It was rarely used, pristine. A medical device prescribed by my doctor for my XXXX. Never were any drugs used in it. Only one nutrient was ever nebulized in the machine. 

If I trusted her I would just do a refund once the item was returned. 
However, claiming she had no money, she kept talking me down in price. 
THEN, once we agreed on a price she immediately asked me if I had anymore! 
I became suspicious that she uses these things for parts. 
I saw parts from these nebulizers sold for quite a bit on XXXX. 

XXXX repeatedly tells me I do not have to refund her. 
PAYPAL will not listen. PAYPAL takes XXXX XXXX 'S side on this. 
They are sending this to COLLECTIONS and adding a {$20.00} fee to this incident. 

I do not understand how they can so unfairly try to force me to provide a refund when the XXXX policy says no refunds after 30 days. 

Oh and at some point in one of numerous conversations with PAYPAL they accused me of costing them hundreds of dollars due to this transaction. 


XX/XX/XXXX Fee reversal from PayPal Completed {$2.00} XXXX XX/XX/XXXX Transfer to Bank Account Completed - {$71.00} XXXX XX/XX/XXXX Payment from XXXX XXXX Completed {$74.00} USD
Consumer complaint received 2020-05-28
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. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

On XX/XX/2019 my bill for {$340.00} dollars did not go through when it was submitted on Toyota Financial online payment site. I reached out to Toyota they said that sometimes those payments online may not go threw so we should always verify to make sure payment was accepted. Because of payment not going threw I received a 30 day late on my credit. I explained that it was the only 30 day I had ever received after leasing with Toyota for over 7 years could they remove it from my credit as a one time courtesy. I was told all credit disputes have to be submitted in writing and I did so and they denied me the removal. Due to this late payment it affected my rates for turning in my vehicle and purchasing another lease.
Consumer complaint received 2020-05-28
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. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AR)

missing a payment by a few days shell points auto attendant is a nitemare calling as many as dozen times a day usually with someone that can't speak good English and refuses to identify themselves told them covid has affected my work past 12 weeks and now just a few days late they are pest asked them as to not call will make payment within couple weeks and will be caught up to date still call dozen times or more to home and work site ( which I am no longer there ) and leave messages with operators urgent personal business must call immediately
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a capital one XXXX card and the bank is not crediting my payments on the date of receipt in accordance with the Truth in Lending act section 1026.10 ( a ). for example I made a payment via web electronically thru their app of {$900.00} on XX/XX/XXXX which they received XX/XX/XXXX ( XXXX ). I had to call today to get the payment " hold '' released. they wont tell me why my payments get held nor when this might stop but I know its against the law. i work in banking and I know that by holding payments, they increase their income tremendously. it needs to stop. this is the third tome in a month I've had to call to get my payment credited. please tell me how to help them understand truth in lending ;
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (OH)

I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TekCollect Inc. (MO)

TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX. 
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest. 
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not. 

I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander. 
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018. 

I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I reached out to the company and haven't received a response. The account they are reporting on my credit reports is inaccurate. There is NO balance owed to this company. The balance they are reporting is an error. The original creditor was paid
Consumer complaint received 2019-04-08
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. (GA)

I have submitted multiple documents to Equifax in effort to resolve this issue ... XXXX XXXX is reporting on my credit file with Equifax and Equifax only ... .they claim that it was verified yet neither of the other 2 bureaus were able to verify this fraudulent account. I asked for the original contract with my signature on it ... ..for proof to validate this account ... .Equifax told me that they don't have to provide proof ... ..According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have sent in document after document which I have record of that this account is being reported incorrectly and or fraudulently. Equifax are some law breaking XXXXXXXXXXXX!!
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I when to XXXX to buy something but the cashier told me that I was not able to purchase because I was not the card member, his name was XXXX and he called the manager and confirmed that I was not able to buy the product, at this time he returned my credit card and passed the next person, I did not signed any bill or was able to purcharse anything and I spoke with chase and explained but they don't want to hear They taking XXXX side since the first time. 

XXXX XX/XX/2019 XXXX $
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This is a follow up to complaint XXXX. 

In response to my complaint against SPS ( Select Portfolio Servicing , Inc. ) they sent me a letter stating I am in default on my loan. 
Not only is this completely false, it is punitive and retaliatory and completely unacceptable. 

It appears that SPS is demanding that we pay our entire mortgage in full by XX/XX/XXXX, which is not going to happen. I am submitting my timeline with this incredibly inept loan servicer which has completely screwed up my loan from day one, along with the new threatening letter. 

Looking at more than 1200 complaints against this company on the CFPB site, it's pretty clear we'll be needing a lawyer.
Consumer complaint received 2019-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

When my student loans came due in XX/XX/2009 I was told by XXXX then XXXX that if I agreed to a capped monthly loan and paid it for 10 yrs without missing a payment that as I work for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my debt would be canceled after the 10 yrs. In XX/XX/2009 I sent paperwork into my loan holder to make sure I would qualify. 
Now at the 10 yr mark, I am being told by my current loan holder ( XXXX US Dept of Ed ) that my loans were transferred to them and I did not fill out the right forms and I was in the wrong payment plan. When I challenged this as I was never made aware of 1. The loan transfer and 2. I was never informed that I needed to complete new forms. 3. I never missed a payment in 10 yrs! I cant get the forgiveness. 
I now will have to pay another 10 yrs before I can get forgiveness ; which I totally dont believe they will do. 
I have to complete and have my work fill out forms yearly and I only found out that I cant afford the payment plan they tell me I need to be in. 
This is XXXX! I work in rural Maine with the XXXX XXXX and XXXX. I can barely afford to live and have been lied to by the Loan companys and now the US Dept of Education. I went to school with the belief if I did the work I do, with the population I work with ; my loans would be forgiven.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

I have a mortgage and escrow with Ditech. I received an annual escrow analysis dated XX/XX/XXXX that states only 1 of 2 county tax bills had been paid in XXXX. 

On XX/XX/XXXX, I both called and wrote an email to Ditech asking for clarification on the missing XX/XX/XXXX payment. 

Today, I received a letter from Ditech stating " all taxes are paid current and there are no prior year delinquencies '' without any verification or further explanation. Another copy of the XX/XX/XXXX escrow analysis was included which clearly states only 1 of 2 tax payments was made in XXXX. 

My county tax department shows I still have an amount due from XXXX. 

I have wasted too much time on this issue to deal with Ditech 's incompetence in researching their mistake. I will be cancelling my escrow with Ditech and file complaints against them as well.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have patiently have waited for an approval on my loan modification. This is very frustrating. I have requested Wells Fargo a work out plan and until today I have received absolutely nothing. I have been dealing with this since XX/XX/XXXX when my property taxes had an absorbing increase. It was then that I began to struggle to make my mortgage payments. I then had a reduction on wages. I also confronted unanticipated urgent property repairs. These were circumstances beyond my control. 
I immediately reached out to Well s Fargo. 
However, do to miss communication with Wells Fargo I defaulted on a trial period in XX/XX/XXXX. I immediately retained my present attorney for I want to keep my home. I provided another financial package to no success. 
On XX/XX/XXXX My attorneys receives call that my home has a sale day of XX/XX/XXXX. Wells Fargo has not inform me anything or my attorney of such before XX/XX/XXXX. 
They did not provided any correspondence regarding receipt of any packages. 
Our Current situation is stabilized now I have minimized all expenses for it is important to keep my home. 
I feel that we have been financially injured as a result of the miss communication with Wells Fargo. I please ask that wells Fargo consider my request. I will provide up dated documents for the file.. I request that the Wells Fargo allow me to provide such and cancel the sale. My income now is substantial for my wife and I both had quite an increase in pay this past year.