davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: Receivables Performance Management, LLC (NY)

I have previously sent you a request to validate my debt, RECEIVABLES PERFORMANCE MANAGEMENT account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX, 2015 XXXX XXXX XXXX contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to Midland Credit on XXXX/XXXX/2015 Now XXXX XXXX has no record of the transaction that was taken from my bank account. And my balance with Midland Credit does not reflect on my account. However my checking account shows that the XXXX dollars was taken by XXXX XXXX before the account was sold to Midland credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the PRA ombudsman as well with no luck. Illegal and shady practices by PRA.
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery has been calling me since 2002. At first they told me I owed almost {$2000.00} on a closed out XXXX card and had to pay it, I asked what was purchased for that at XXXX and when. The could not tell me when it was purchased but the cost was {$79.00}. I then asked how it became almost {$2.00} and they said that it was never paid and that was the interest that accumulated until the account was closed. I told them it was paid for and they said I had to show them proof of payment. I told them I closed the account XX/XX/XXXX and had no more proof since I had gotten rid of all my old bills. Since then they keep calling me and telling me I have to pay them.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I attempted to withdraw a {$1000.00} two times at Bank of America XXXX XXXX, XXXX XXXX, CA XXXX. It gave me an error message and did to allow me to withdraw money. 

On the same day I went to B of A XXXX XXXX. XXXX in XXXX, CA XXXX. I attempted to withdraw {$1000.00} and error message was I exceeded my daily withdrawal limit. 

when I checked my account online {$1000.00} was dedcuted from my account and it showed ATM withdrawal at XXXX XXXX. I called customer service of B of A and they issued a temporary credit of {$1000.00}. 

On XX/XX/2020, the temporary credit was reversed. On XX/XX/XXXX I called B of A spoke to XXXX employee # XXXX and he advise me that the findings was that the transaction I had at B of A in XXXX XXXX is valid and they took the {$1000.00} back. I explained to XXXX no money was dispense. I asked if he can send the full document and error messages and most importantly to send me the video that I took the {$1000.00}. XXXX advise me that as per B of A their case is closed and nothing they can do. If I want I can get my own attorney and file legal action.
Consumer complaint received 2015-10-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I used the money gram money transfer to send money to an account directly on the XXXX/XXXX/2015 but my receiver did not get the funds.I got in touch with money gram to find out why the money was not transferred but they insist that from their records the transaction was successful which of course is not the case since no funds have been delivered in the account I sent money to.I requested for the proof of the transaction and they promised to send it to via email within the week but they didn't.I called again and they are still telling me the same thing to wait another week with no grantees.I got the impression that they did n't want to be bothered.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance Owed : {$880.00}
Consumer complaint received 2015-06-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

3 to 4 yrs ago, XXXX XXXX transferred its Equity Line of Credit loans to Ocwen Servicing Center. Beginning in XXXX, 2013, up to present I have repeatedly requested that any access payment made above my regular payment be applied directly to the Principal. This is not being done. Instead, when i call to make the next months payment to make the interest payment ( as the account is set up to pay interest only and any overage going directly to the principal ), but because the overage paid from the month before is not being applied to the Principal, an incorrect interest amount is being shown due to Ocwen 's failure to apply the funds to the Principal. This is an on-going issue and i have been to Supervisors, Managers, the Escalation Dept., etc. and this problem has still not been resolved.
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CO)

Great Lakes provided false and/or misleading information in regards to my school closure. I was a student at XXXX/XXXX in the past. I earned an XXXX in XXXX XXXX and XXXX via distance courses from XXXX, FL. Since graduation I have not been able to use my degree since graduation. I received an email from the Dept. of Education about the closure and possible loan discharge qualifications. When I contacted Great Lakes to inquire about the details and possible fraud I was given the wrong information and paperwork to submit for loan forgiveness or loan discharge for my situation. I needed a Borrower 's Defense Application or Attestation Form and I got a school closure form instead. I was also informed that I needed to get the discharge approved by the loan servicer BEFORE I would be allowed to submit it to the Dept. of Education. I was denied for the wrong application by Great Lakes over a year ago and have been paying what I can afford on my loans since. I feel I was intentionally misinformed in order to retain the loan and the profit from the interest. Which they then capitalized the interest that accrued while my loan was in forbearance waiting for the decision to be made which was never theirs to begin with and added another few thousand dollars! I can not even afford this loan since I have never been able to obtain employment in my field of study and can not transfer the credits into any reputable college in my area. Job placement and the growth rate as well as the student services that were to be provided after graduation was a lie! I never gained anything except this debt and now have been manipulated once again to hold me to the promissory note when I qualify for forgiveness.
Consumer complaint received 2016-03-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. 

What rights to I have as a consumer?
Consumer complaint received 2022-07-19
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: SYNCHRONY FINANCIAL (FL)

I looked at my XXXX credit report online for the first time in a while. I had a credit card from XXXX that was paid in full & closed. I saw that the main bank of this old card is STILL MONITORING me & my credit monthly for the past year ( that i can see from XX/XX/XXXX to current ) I called Synchrony Bank with the number shown- I got bounced around from agent to agent & eventually put on hold for over 40 minutes. With absolutely NO answers as to WHY a company i no longer do business with or have an active account with is " watching & monitoring '' me & my credit. This is NOT OK- I want this bank REMOVED from having access to my personal info & SS #. There is absolutely no excuse for suddenly since XXXX starting to have " inquiries '' about me - I have no applied for ANY credit cards in years.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (PA)

I received the below offer in XX/XX/XXXX Double Bonus Opportunity Earn up to 60,000 miles! 
XXXX, you've been selected to receive this special cardmember offer. 
No need to enroll! 
Just use your Barclaycard Arrival Mastercard. 
Use your Barclaycard Arrival Mastercard for purchases from XX/XX/XXXX to XX/XX/XXXX and earn up to 60,000 miles.1 2 1 Earn an additional 10 miles for every {$1.00} spent on purchases made from XX/XX/XXXX to XX/XX/XXXX, up to 10,000 miles. 
The miles you earn with this offer are in addition to the miles you already earn with your Barclaycard Arrival Mastercard.

2 Plus, earn 50,000 miles when you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 

I have met this offer but never received 60000 reward points into my account. I have passed three statements after I met the offer. I have contacted barclays many times regarding this. I was told on XX/XX/XXXX, that I will receive the 60000 reward points for this offer on XX/XX/XXXX statement but I have not received it. Barclays has been continuously cheating me for months.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Asset Management (Texas) (TX)

A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AP)

On approximately XX/XX/XXXX I responded to a claim for received medical care XX/XX/XXXX. I informed Online Information Services in writing that the claim was fraudulently made because I was attending Technical Training for the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I have continuously provided certified documentation only to have them say that it wasn't good enough. I've completed the companies fraud application, provided proof of military service, bank records to show that I was not residing in AZ during the period of service, copy of passport and state ID. I hold a XXXX XXXX XXXX and I am concerned that this companies failure to communicate will put my career in jeopardy.
Consumer complaint received 2020-11-25
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: AMERICAN EXPRESS COMPANY (TX)

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX  XXXX  XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Asset Management (Texas) (TN)

I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (AZ)

I dont recognize the loan amount and date and place they open the collection account. 

Initial date and address and the store location mentioned for speedy cash in the amount of XXXX and the location XXXX Texas dated XXXX as per records don't even match my physical presence on that date I was not present physically in the state of Texas. 

I did had speedy cash loan but on a different date and different location and stare which was completely paid and never renewed, I do believe it was duplicated in my name on a different location n time. 

I m hereby attaching sone receipts from XXXX I was driving and food delivering commerce California and was physically present in XXXX XXXX California. 

I dont hv XXXX account anymore but I m trying to retrieve it further, I have tried agency for disputing it credit repair tried self dispute but the collection agency XXXX XXXXXXXX keep on posting it on my credit report back to back without giving me a decision or naturality of fact how can I be possibly physically present at 2 places at same time. 

I have given more proofs via credit repair but I no longer working with them was not satisfy if needed I can provide more