davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from XXXX from XX/XX/XXXX and I believe I stop paying into XX/XX/XXXX. I was paying XXXX but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. XXXX decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and XXXX should not have sold this to them. I did my research and XXXX was being held responsible for selling loans they should n't sold. I was more than willing to work with XXXX and I have letters to prove my struggle with XXXX. I have always had a high credit score before needing a operations. I even was able to work with ( XXXX XXXX ) which I understand is one of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXX was removed from your credit report.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (NY)

I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

The debt collection agency was paid via wage garnishment by the California Tax board ( because the collection agency did not properly verify proof of debt from original creditor, and did not respond within 30 days of the request of proof of debt ) so the California tax board acted on their behalf. Once the wages were garnished to completion of debt, a letter was mailed by the California Tax board stating the withdrawal of garnishment ( due to debt being fulfilled ). Two months later I received a letter in the mail from the California Tax board stating that hundreds of dollars from my tax return would be garnished due to a debt from the collection agency. Upon contacting the collection agency they admitted they made a mistake, but said it would take possibly three months to receive our refund of hundreds of dollars they wrongly took. This agency failed to verify the debt from the very beginning.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.
Consumer complaint received 2016-03-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.
Consumer complaint received 2016-11-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MN)

After struggling for a long time to make my increased mortgage payment, I stopped making it, and during this time tried and tried to get a loan modification. Finally, after filing complaints and my sale coming up, I got a TPP. I made the payments and got the final docs signed and now I get my first billing statement and my payment increased {$200.00}. It does n't say why, but I am guessing it is escrow. I am guessing that now that my account status is back to current and out of foreclosure, an analysis was completed and my escrow is short. Then there is another " past due '' amount of {$100.00}. There should be no past due amount when my account was just brought current with a loan mod. I obviously can not afford these extra charges/amounts, if I could I would not have been in foreclosure in the first place.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter. 

me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that BoA had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then BoA - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.
Consumer complaint received 2016-12-09
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Onity Group Inc. (FL)

I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. 
OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Funding , LLC continues to contact me either by phone or by mail regarding a XXXX XXXX account which was not mine. I have told them they have the wrong person and they have verified it on the phone with me via cross referencing the SS number of the account holder and my SS number. They contend they will take my information off the account each time I talk to them and then something pops up from them again every 3-4 months. I think they have people looking for something to do.
Consumer complaint received 2016-12-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OR)

Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (PA)

I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.