davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello my name is XXXX and I am having problems with Midland Funding..Midland Credit Managements and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently Midland Funding purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made Midland an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX
Consumer complaint received 2019-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. 

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-08-14
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: EQUIFAX, INC. (TX)

INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

My planned cruise expected to sail XX/XX/XXXX through XX/XX/XXXX was completely cancelled 2 days prior to sailing. The cancellation was a result of a mandate from the US government to prohibit all sailings by law due to COVID-19. This was something 100 % outside of my control and I had every intention of attending the cruise until the cancellation. The transaction is valid and this is not a case of fraud, but the fact of the matter is the entire cruise was cancelled and the company is refusing to provide a cash refund. Not only is Celebrity acting unethically but this can be questioned legally, by not providing cash refunds for a trip that never occurred. Ive requested twice over dispute for Barclays to resolve this and theyve been of no assistance. Ive sent several documents and supporting details capturing the details around the cancelled cruise.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX   XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime (NV)

I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

In 2018, after a wrongful termination, I remained in contact with Toyota Credit in an effort to keep my car. As I began to fell behind, it was determined by Toyota reposession was the only option. The representative explained the process and informed me the car woud go to auction and then I would receive a notification letter if there is an outstanding balance. After having the car detailed, I met the reposession gentleman, handed the keys and that would be the last interaction with Toyota. 

After 4 years of silence I received notification from XXXX XXXX stating I owed {$9400.00} and how would I like to take care of the balance. That is the amount on my experian credit report. I never received a deficiency balance notification after the auctionn of the vehicle. On my credit report, it states the original balance was {$14000.00} and the lease was for 40 months. I disputed the amount owed through experian. I made 23 months of payments at $ XXXX which equals {$11000.00}. If the original amount was correct, then my outstanding balance should be {$2900.00}. Also I questioned the deficiency balance since a notification of an updated balance after auction was never received. 

I reached out to XXXX and informed them of my dispute due to the errors on my credit report. I also requested a verification of debt letter from them which as of yet has not been received. 

I received notification from XXXX today regarding the dispute. The information provided was the original amount of the debt is correct. Then the amount owed is incorrect. Also I do not know if the balance was updated post auction. I was paying {$490.00} /mo on a 40 month lease that comes to {$19000.00}. A {$5400.00} difference than what is reported. 

Their contact number on my credit report is not provided so I am unable to call them. I need some help getting this matter resolved. After being homeless, I am concentrating on my credit and getting my life restored. I appreciate any and all help. Thank you.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo and XXXX XXXX XXXX failed to provide full proof of full disclosure to all matters dealing with loan and said agreement and contract as required by law in the Truth in Lending Act. Fraud of inducement has been committed willfully by the original lender in executing the contract through their lack of full disclosure. In regards to acknowledging the fraudulent activity, I exercised my right to rescind my contract by certified mail and no further action has been taken by either party. Original loan date is XX/XX/XXXX. A complaint was filed to XXXX XXXX on XX/XX/XXXX and to Wells Fargo on XX/XX/XXXX. XXXX XXXX XXXX has not responded. My property has also been repossessed unlawfully on XX/XX/XXXX. Proper documents were not sent following the repossession.
Consumer complaint received 2019-03-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Completed loss mitigation form with Company completed process/documents notarized all require documents. The company had approved modification, but because The notarized documents sent a day or 2 late, they turn around and said they didnt receive doucments on time and 1 document missing a check box on form 4506-T and another page not notarized. We took all documents to a notary and assumed all were notarized. My husband is a Vetern and suffering some health issues as well as myself to put us financial back. We are willing to get back on track and not lose the house. I feel that many times documents cross and also many times did not actually received mail documentation, and had to rely on email with company. All the company is nice overall, they almost set us up for failure. If the only issue was a document why not allow the time to get it to them, as we did via email/faxes. Please help
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Associates are trying to collect on a debt that was paid in full in XX/XX/2017. ALL original documents and proof of debt paid are saved. They are calling me from multiple numbers from multiple states telling me to pay again several times a day. I have told them I paid and to stop calling. The person I spoke with said they didnt care and that they would harass me within the laws until I pay again. They have started sending me bills in the mail stating the debt is past limitations to collect so they will not report to credit bureaus or sue me - they just want more money from me on a debt I do not owe.
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.
Consumer complaint received 2019-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (MO)

Received letter from One Advantage on XX/XX/XXXX ( Document 1 ), for services from XX/XX/XXXX. Now as stated in the previous complaint, I have received ONE single bill that is supposed to be for ALL pending billing issues. This amount sent to me by One Advantage is supposed to be included in what I had to file a XXXX   complaint to have my financial aid assistance in XXXX of XXXX ( based on phone calls from XXXX XXXX in XX/XX/XXXX, and the incompetence of its staff ). 
Furthermore, this amount is no longer valid ; as my insurance company has reprocessed the claim and PAID IT IN FULL. Reference Documents 2 and 3 ; as shown on page one of both documents, the transaction date is XX/XX/XXXX and also shows that my insurance company paid in full. 
Referencing page two from Documents 2 and 3 ; the claim was sent to the insurance company on XX/XX/XXXX and processed it on XX/XX/XXXX. Referencing Document 1, the claim was processed by One Advantage on XX/XX/XXXX ; which gave XXXX XXXX Hospital fourteen days ( nine business days ) to update their records for this issue before sending it to collections. 
Note : I did remove the name of the service provider from Documents 2 and 3, as it would give an indication of the nature of the procedure I had. The procedure was required due to an XXXX XXXX XXXX XXXX, in which I am under no obligation to disclose to One Advantage. Furthermore, any employee of One Advantage with knowledge of my medical condition would be a violation of the XXXX and HIPPA.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

XXXX XXXX # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/2019 I deposited {$580.00} cash at the ATM at US Bank and the ATM took all of my money and didnt deposit any of it to my account so I called the number the ATM gave me on my receipt and they said it could take up to 45 days to get my money back and then I went into the bank the following day XX/XX/XXXX and they said it could be 10 days before I get my cash and that they couldnt tell me when the ATM auditor was going to balance the machine or when I was going to see my money but I really need that money a lot sooner than this and no one was really helpful to my situation.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (AZ)

On or about XX/XX/18, I received a call from XXXX requesting payment for an outstanding bill for XXXX XXXX. He was calling from a collection agency called XXXX. I advised I was not aware of an amount that was owed. He stated the amount was {$XXXX}. 
On XX/XX/18 I sent a letter to XXXX to request that they send a bill and/or paperwork so that I can confirm any information and/or personal information. 
I did not receive a response. On XX/XX/18, I sent a letter to the credit bureau to request that this be taken off of my report. I received my report and found that this was not reported. 
On XX/XX/18, I received a bill from XXXX XXXX for XXXX XXXX. Now the amount is {$XXXX}. I am going to send a letter of validation.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I received a letter dated XXXX XXXX, XXXX from Portfolio Recovery Associates, LLC trying to collect from a XXXX XXXX XXXX XXXX. account that has been closed for and satisfied for years. This account has not appeared on my credit report in years.
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking account with Bank of America in XXXX, 2018. On XX/XX/2018 I deposit a check into my BOA account written out to me from my XXXX XXXX XXXX financial Aid Loan Account. The next day Bank of America close my checking account and told me that it was close for suspected fraud and the check had bounced. I reached out to my other bank and was told that the account was fine need to call Bank of America back and the problem was on their end. I was immediately forwarded over to the risk department and was told that Bank of America reserves the right to not disclose any information and they can close any account whenever they want and they can choose whom they want to conduct business with. Anyways my account was positive when they close my account and I received a refund check to my address. However, Bank of America reported me and my account as suspected fraud to XXXX when I contacted them any times I was never able to get an answer right now I am having a hard time opening up a bank account because of this. There was no fraud conducted on my end I know outstanding balance was owed to Bank of America. I contacted him many times and could never get an answer or a letter of satisfaction. Please help
Consumer complaint received 2018-02-01
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: AR Resources, Inc. (FL)

After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.
Consumer complaint received 2018-03-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/2018 I sent a validation letter to portfolio recovery about an account they have listed on my credit report. This was to include a valid ink signature not a copy of a copy or a copy of a statement. They only have sent me a statement and said it was valid. They refused to adequately validate the account and refused to remove it from my credit report. On XX/XX/18 I received yet again another letter from them stating it was valid with a copy of a copy of a statement. This item needs to be removed as they can not legally validate the account they are trying to keep on my credit report.
Consumer complaint received 2021-02-04
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. (TX)

This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.