davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FastBucks (ID)

I have been laid off and unemployed for a little over 2 weeks now and was unable to make my {$72.00} payment with Fast Bucks, located on XXXX XXXX in XXXX Idaho, with whom I have an installment loan with. As of today, My loan is three calendar days late. I called Fast bucks at XXXX this morning, XXXX. XXXX, to let them know my situation with my employment, unemployment insurance, and that i will be in sometime this week to make a payment. That is when I was informed that my account " has '' to be put into bad debt. The store also told me my account will still accumulate interest while in bad debt and that they will still accept payments from me. 

Now is this very confusing to me because i thought " bad debt '' only occur after all attempts are made to collect on the debt. And if they are saying that my account is going into " bad debt '', which means the debt to them is not collectible, then why are they still threatening to racking up interest on my account? When i asked the store if it is normal and recognized in state law to continue applying interest in this situation that they informed me about, they said " yes ''. The store also explicitly told me that the CFPB knew about it and approves it. 

When I called the CFPB, i was informed that they could n't find anything in relation to the store practices when it came to interest and bad debt practices. I also was informed by the CFPB that they could n't give me any legal advice with my matter - understandable. They did tell me I could write a complaint on the matter. 

Still wanting answers i tried to call back the Fast Bucks store and got no answer, but the call did get forwarded to the Fast Bucks corporate office. I told corporate about my situation and asked about the " bad debt '' and what steps are taken before a account in put into bad debt. Corporate was VERY vague and told me multiple times " its all depends on the customer ''. " everyone situation is different ''. This too i thought was very strange that the representative could n't give me any details on how long a debt that is unpaid goes before being put into bad debt. The representative exclusively told me that there were no such time frames implemented within the company. When asked to speak to a manager, he told me " he will tell you the same thing ''. I terminated the call after that. 

I feel Fast Bucks as a whole is treating my unfairly. I feel that they are threatening me with false information about putting my account in bad debt. I feel Fast Bucks purposely with holding information on the debt collecting process including : grace periods, time frames and legal steps when collect debts and putting accounts into " bad debt ''. I feel its fraudulent to put someone account into " bad debt '', to write off as a business expense, and still collect interest and payments from the persons whom holds the debt. 


Thank you.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CT)

Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

Hello I have mailed a debt validation request to ERC due to the fact that they have placed a collection on my credit file for a possible fraudulent account. I have no knowledge of this account. I have not received any information via mail regarding this debt and they have placed it on my credit report. I am in the process of gathering more information to file a police report since this account is not mines. Again, this company has placed a collection on my credit file without sending me any type of notice and I became aware of this because I received an alert via XXXX. I need this account removed from my credit file and information sent to me via mail. I have sent a certified letter to the company asking for this information. I have also attempted to call the collection company and they have been very rude and not helpful and keep hanging up the phone on me. I am requesting that the company removes this debt out of my credit file. Thank you
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I am attempting to get a mortgage and received a copy of my credit report from the Mortgage Company. My last home that I sold ( the Mortgage was with XXXX XXXX XXXX. ) is listed as unrated from the bank. This is then pulling as a foreclosure through direct underwriting. This home never went to foreclosure, and I have a copy of the HUD 1 statemnet to prove it. I have spoken to XXXX XXXX, but they say they will not discuss it, I need to send a letter and it can take up to 30 days to get an answer from them.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

XXXX XXXX when I called my Mortgage Co. asking on the status of my " auto pay '', the representative ( her name is XXXX ) told me that my auto pay has not been set up yet, so she advised me to pay by phone to avoid late fee, so I did. Today XXXX XXXX, Seterus ( a Mortgage Company ) charged me twice ( on my checking acct ) dated XXXX XXXX and XXXX XXXX. I called Seterus and I have requested to send the money back to my account but they say that they cant do that unless I request a letter from my bank. XXXX took the funds from my XXXX savings and they charged me for the transfer fee. I called my bank XXXX re : such letter that Seterus is asking but XXXX said that they cant issue letter to a XXXX party. I called Seterus again but they said that there 's nothing else that they can do but considered it as " advance pay '' for the next month. I have asked for the assurance that they I will not get double charged again but they cant give me XXXX. 
I hope that someone can help me regarding the situation, I want my money back on my account, I also hope Seterus will pay the transfee fee that XXXX charged me when they took the funds from my savings to cover. 
Please help.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NC)

I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
Consumer complaint received 2015-10-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (WA)

I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NY)

Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (VA)

Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. 
I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. 


Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (OH)

I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OH)

I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.
Consumer complaint received 2016-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I recently became aware of a loan they received against their equity line in XXXX. The initial loan is listed in the amount of {$50000.00}, in which they used {$25000.00} to pay for repairs on their home they 've lived in since XXXX. The loan was issued with an adjustable interest rate. As of date, they have paid interest on the loan in a sum that is well over the amount of the {$25000.00} they 've used. 

They were solicited by Chase and refinanced their main mortgage in XXXX. My concern is no one advised them to wrap the adjustable equity line with their primary mortgage. I am writing to request your investigation into this matter and to come up with solution to resolve the equity line loan amount by wrapping it into their main mortgage or any other sensible option. I am aware that a refinance may be the solution, however, they are not in a financial position to pay any additional fees.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MA)

Dear Madam/Sir : [ Today 's date XXXX/XXXX/2015 ] Today, I contacted Seterus, Inc. by phone ( XXXX ), to request a copy of my current monthly statement, which reflects all of the missed payments up to the currnt date. I usually login into my account online to obtain any information I need, but because the last statement reflected on my account, as of today, was not current ( only went up to XXXX 2015 ) I was forced to call to request the information by phone, expecting it would be mailed. 

The first representative I spoke to told me that I would not be able to receive a current statement that lists the outstanding monthly amounts because I was automatically opted out of receiving monthly statements and placed into a category of borrowers who now only receive coupon payment vouchers. This is not a request that I personally made, but that Seterus placed me in. I proceeded to ask the representative for a copy of my current monthly statement, but he refused to process the request. He stated that he needed to know why I wanted a copy of my account. I explained I needed an accurate record of all missed payments. He refused to process my request. I asked that he transfer me to his manager. 

His manager, XXXX XXXX, was placed on the phone. At the start of the conversation he explained that Seterus could provide a statement, but could not provide a letter. I said that a statement would be fine, as long as it provided the amount I owe of the missed monthly payments. He then began to ask questions on why I needed the statement and what it was being used for. I explained that it was for my records so that I could confirm the exact amount owed in order to bring my acount current. He then began to create reasons he thought on why I needed the statement. I explained I needed an accurate record in writing. I told him that I have always received statements. I am not sure why Seterus would cancel my ability to receive paper statements without my consent. XXXX . XXXX, the Manager then said that it was Seterus ' perrogative to do as they choose. When I told XXXX . XXXX that I now have all of the information I need to discuss this matter with the proper authorities and that I was happy the call was being recorded, he then said that Seterus could provide me with the letter with my account information, but that it would have to be requested from a department called " Correspondence ''. The address provided was : XXXX XXXX XXXX, XXXX, CT XXXX. He said it would take 30 days to process the request. 

I was refused a copy of my current statement and told that this information was inaccessible to me at this time. The explanation provided was that I have been placed in a category of borrowers who have been forced to receive coupon vouchers without their consent. I just want a current copy of my montly statement.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I had my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Seterus. I had no prior notification from Seterus about my loan is being transferred. I ca n't make my XX/XX/XXXX payment on the due date because I have no information where to make my payments. I wanted to verify my ending balance with XXXX XXXX XXXX but all of my prior information, including my prior monthly statements are all gone. I was finally able to sign up an online account with Seterus and got a copy of my initial statement. But there is no way I can verify the beginning balances with Seterus are correct. And I realize that they had charged me {$250.00} legal fee to my account. I dont believe its fair for me to pay for any legal expenses on sales transactions between XXXX XXXX XXXX and Seterus. When I called Seterus to complaint, they refuse to refund this {$250.00} legal fee. Instead they gave me a PO box address and told me to write a letter to that address. This is completely unacceptable.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I am requesting with this notice that the following account be DELETED from my credit report. XXXX ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided