davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. XXXX failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXXIn the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

XXXX having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX County Florida Small Claims Case XXXX.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXXXXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXXXXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX   XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXXXXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened account with Union Bank in 2015. When I was at branch location in XXXX XXXX XXXX, teller was very rude and refused deposit a check, because my first name had one letter different. I tried to explain and even showed California government Insurance, that my first name can spell different. I also pointed out that similar check /same merchant, similar $ 800+ amount was deposited previous week /. I asked for supervisor. They had so many people working at this branch but only 1 teller was available. Behind me was an impatient XXXX  man who was pacing and asking me to move, while I still was speaking to teller! I stood aside. XXXX  man went to cashier and was making comments about me, while I was there - its a very small branch and space by counter is tiny. I politely told him not to talk about me. Manager came in, that XXXX  man got weird and hit my leg with his leg! He knew very well that Bank workers couldn't see that, because of tall counter! I was upset and told him to stop acting crazy while he called me name. Manager said that he is regular customer! They refused to assist me. When I went to my car and drove away, I saw XXXX  man behind me! I parked and called acquaintance of mine. 2 hours later we safely left. I was prejudiced against in this branch where they favor XXXX, I was insulted. I lost money, because not able to deposit a check, I ended up cashing it without any problems at cashing place for a very high fees, because I needed cash to pay a bill. I left a card in the branch, being upset about mistreatment and couldn't withdraw my own money. Shorty after, branch in XXXX XXXX sent me letter that they discontinued my services! I had to wait for a while, when they told me they will mail me check from my account, losing money because of all above mentioned - {$580.00}. Bank was holding onto my money meanwhile, while I wasn't their customer. Eventually they sent a check. 
I am demanding them to pay my losses {$580.00}
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (VA)

Over the past month I've been trying to have fraudulent property tax payments removed from the final balance of my lease pay off. When I leased the car I lived in XXXX XXXX, a year later when I moved I updated the vehicle registration information with both the Dept of motor vehicle and Hyundai Finance.  Over the past few years I've been paying taxes on the lease in the county I moved to- XXXX XXXX and that's the Cty Hyuandai finance has been charging me. However, for some reason the month before my lease ended, they added taxes from XXXX XXXX Cty-XXXX to my account and stated I owe these fees. Keep in mind I've been paying the property taxes with Hyundai for XXXX Cty over the past years, which proves they have my updated property tax information. I've contacted Hyundai finance several times and each time they state they haven't received any verifying information from me and the Hyundai finance tax department hasn't uploaded the verifying faxed documents I submitted to clear this up. Hyundai states they have no other means for me to send this information and still claim they aren't receiving my faxex although I have receipts. I'm reporting this because I've tried and failed to resolve this with them. Hoping you all can speed up the process. Please let me know if you need further information from me/documents for verification. Thanks.
Consumer complaint received 2019-11-12
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: BANCO POPULAR DE PUERTO RICO (TX)

After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ BANCO POPULAR , PU .. A Balance of XXXX Opening date XXXX XXXX, 2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (CA)

I quit my health club, XXXX, in XXXX, CA around XX/XX/XXXX after a phone call from their accountant telling me I had not renewed on time. They were very unpleasant about it and I had to hang up to end the call. The woman claimed I owed them since XXXX XXXX. I had last paid for a {$100.00} extra XXXX XXXX class in XXXX XXXX that I had not use due to injury. Nobody had ever told me I was due for another payment. I thought I was about up for renewal and was going to negotiate with them about the unused XXXX classes. 

No bill was ever submitted to me for any amount. 

I began receiving calls from Seas & Associates shortly after. I explained and the way they talked it seemed they were aware there had never been a bill submitted. The rep acted like she was trying to trap me into saying I owed something. I hung up. 

Seas & Associates has robocalled me since several times a week. I blocked them, but get the robo-call voice mails. I now received a letter with a bill for {$390.00}. The letter says that failure to respond within 30 days of their date, XXXX XXXX, XXXX, will mean that I acknowledge the bill to be legitimate. 

There never was a bill presented to me by XXXX. There is no debt.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (NV)

XXXX XXXX XXXX contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The XXXX XXXX  I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-procollect, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2019-11-12
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. (TX)

I have sent by mail as experian does not allow faxing or web based uploads 3 different times the ftc report about approx 13 fraudulent accounts on my credit report company has refused to answer my calls or return them
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

On XX/XX/2019 I spoke to a Ditech representative, she set up electronic payment arrangement plan for my to pay back the pass due amount for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, totaling at little over {$3200.00}. Today I was informed the mortgage is in foreclosure and I must pay over {$7500.00} to reinstate the mortgage. Apparently it went to foreclosure on XX/XX/2019. I spoke with two representatives today, each had different information to share. The first one said I will receive a reinstatement letter with past due amount plus legal fees due and the second representative informed me the payments electronically taken will be returned. I thought I was on a payment plan to repay loan. I am not getting correct information and I don't understand why payments were never applied.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP (NJ)

Learn from me .... 
How does a car affect purchasing a home? ... Continue reading. 
Having my 3 year old car repossessed due to transmission failure XX/XX/XXXX and being XXXX with my third child in a little over a year from having my second was a surprise, shock and stressful time in my life. Little did I know the car situation was the start to a horrible dream in the making. Forward 7 years later and now being 2 years into making payments on that judgement stemming from the " lemon '' I bought I 'm paying {$100.00} a month a agreement myself and the attorney reached. Not having been late or missing a payment I now need this attorney to sign a subornation agreement so I can purchase a home. My lawyer has reached out to the attorney representing the car for over a month. After back and forth they agreed I would pay down the dept by me sending in {$1500.00} while still continuing to pay my monthly payments in exchange for the signed agreement. I have supporting documents. This lawyer has not been heard from since the check was sent certified funds to them. They wo n't respond to calls and messages. Now I 'm in the current week which they are aware, of my settlement and I have nothing. No signed agreement. My attorney has made them aware we need this letter a few days prior to closing to clear underwriting and yet we have 4 days until settlement and I 'm in limbo not knowing if I will be able to move my XXXX XXXX children from my sisters couches, who is XXXX to the home we fell to love. If I do n't get this letter I lose my deposit and the house. Worse is I still need the letter to purchase. I have done everything required within reason on my end. Now my families future is in the hands of an attorney who could care less if we make settlement. How is this right and constitutional?
Consumer complaint received 2016-05-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TX)

This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

Received loan on XX/XX/19 with biweekly installment payment terms. Changed banks in XXXX. Took me a full month to get any assistance from customer service to update my banking info so that I can continue to make payments. Finally it worked. In XXXX of XXXX, the company stopped debiting my payments but continued to debit my " membership fees '' ( a requirement if you have a loan ). I have been contacting this company daily ever since and only getting automated messages to update my app and re-add my banking info, which I have done repeatedly. Nothing works and I can not get a live person on the phone to save my life. I started emailing in XXXX as well as calling, I have attached screenshots of my sent emails to them as well as the content of one of those emails, and still no response or action was taken to help me.This company is now reporting me as defaulting on my loan and respond to my disputes no problem but still can not address the issue with why they can debit my account for membership payment but not loan payments. I tried to pay the loan in full so that I can be done with this company once and for all, and they never processed that payment either and still will not respond to me or answer my calls. Meanwhile, on their website, it shows my loan is paid in full, yet I know it hasn't been and they continue to report me for non payment.
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax dropped my credit score 56 points to XXXX on XX/XX/2019. The only change that happened during that time is I paid {$70.00} to my XXXX XXXX XXXX  credit card. My score just prior to that on XX/XX/2019, was XXXX. I contacted Equifax on XX/XX/2019, asking why they lowered my score when it should have been increased from reducing my overall balance. The supervisor, XXXX, at Equifax looked into my account and confirmed that she did not see any reason why it should have been lowered. She created a complaint ticket for me, # XXXX. She also mailed me my credit report. I waited one month and called Equifax on XX/XX/2019, to follow up. XXXX could not tell me any additional information and there is nothing further she can do. I will call FICO XXXX next to see what can be done. As of today, there is still 50 points difference between my Equifax ( XXXX ) and XXXX  ( XXXX ) scores. There is no justification or accountability of why Equifax lowered my credit score.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Fidelity Properties Inc. (OH)

Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OH)

I opened a new credit card with Wells Fargo and never received my first statement. As a result, I missed the due date on my first bill and was charged a late fee and interest. Because it was my first bill, I had no expectations for when my monthly bill should be due. When I called Wells Fargo, they offered to waive the late fee, but not the interest. They could not provide me with delivery confirmation or detailed mailing information to prove that they ever sent the first statement. They only confirmed that my address was correct.