davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

On XX/XX/XXXX I rec 'd a forwarded recorded message from someone whom I do not live with, stating that a Ms. XXXX with XXXX XXXX XXXX XXXX ( XXXX ) was looking to obtain a statement placed in their office containing my name and social security number, stating to call XXXX. The person who forwarded the message is not part of my household, and the phone number Ms. XXXX called attempting to reach me, is not a valid number for me, and has been continuously leaving messages at various individuals voicemails about the debt. The information was obtained through public records and violated the debt collection act by leaving details that should have been intended for me. I received a direct call on my personal cell phone on XX/XX/XXXX at XXXX XXXX, from the same individual, Ms. XXXX representing XXXX. She stated she was representing the former Creditor, LoanMe with whom I defaulted on a {$3500.00} installment loan in XXXX, after I could not complete the final payment of {$1800.00} estimated balance on a negotiated settlement for the loan. The the loan was sold for collection to XXXX. I told Ms. XXXX that the number she was calling me on this day, was my correct phone number, and and that she is to only speak to me about the debt, and no one else. I advised her that I was unable to pay due to a Federal Tax Lien Filed on my personal property and assets by the Internal Revenue Service in XXXX of XXXX. I stated that I was in the process of obtaining an attorney through my legal team XXXX XXXX XXXX, and preparing to file a bankruptcy petition with a legal counselor. I stated due to the tax lien, no funds would be paid to anyone until a plan was put in place and filed. She proceeded to argue with me about the debt, and ask why I haven't obtained an attorney. I explained to her, that I am a State essential worker, I am in the midst of a financial hardship due to COVID-19, and since the courts were closed, having trouble finding an attorney. I obtained her address, and stated the company she was collecting on behalf of would be notified of the attorney and case when it's finished. Ms. XXXX was also told again on XX/XX/XXXX, if there are further collection calls, she was to contact me directly and no one else! I gave her my number again, and verified my mailing address. With that in mind, she still proceeded to harass me about why I haven't filed, why I haven't obtained an attorney, and that she had a right to call whomever to collect the debt, and I hung up. She is still calling other people and leaving messages, knowing that she has my active contact information on file! Today, on XX/XX/XXXX. I was notified by yet another individual, again, who does not live with me, is not related to me or share the same phone number, that they received a recorded phone message from Ms. XXXX stating they were attempting to collect a debt, and left details on the message. This is a violation of the Fair Debt Collection Act.
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.
Consumer complaint received 2022-03-07
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. (WA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I have an existing complaint with Seterus .Back in XX/XX/2020, I wrote them a grievance letter addressing concerns with the mortgage my father signed.I never received any response from them.I want them to response to the letter.This matter affected my family severely and it deserves a response.I have never been treated with any respect in fact i have been treated rudely and ignored.Just because i am not someone famous or important, this industry treats you like an insect that should be stomped.My familys home has been taken, I am suffering from severe XXXX .I want XXXX XXXX to answer my  questions.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (NY)

I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.
Consumer complaint received 2016-09-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is XXXX XXXX.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

On XX/XX/2020 I called my finance company to get some help regarding my XXXX payment due to COVID-19. They offered a deferment for the payment to go to the end of my contact. I agreed in order for me not to lose my car. They asked for a payment of {$50.00} I gave the payment. Thereafter I keep making small parcial payments for XX/XX/2020 {$280.00}. XX/XX/2020 {$150.00}. XX/XX/2020 {$82.00}. XX/XX/2020 {$570.00}. XX/XX/2020 {$12.00}. XX/XX/2020 {$570.00} All of these payments have not been deducted from my balance. When I noticed and called they couldnt give me an explainable reason All they said was it all went to my interest. {$1600.00} and nothing to my principal balance. Until the month of XXXX it started going to my principal balance and to the interest.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2020 an account opened from XXXX  XXXX  XXXX  with an original creditor as GMAC on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FMA Alliance, Ltd. (CA)

FMA Alliance , Ltd. sent me a vague letter trying to collect {$11000.00} for XXXX XXXX with Account number ending in XXXX. 

XXXX XXXX Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. FMA Alliance , Ltd. should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and FMA Alliance should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX XXXX XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelty, Inc (AZ)

I contacted XXXX XXXX from Intelty , Inc in XX/XX/2020 as I was trying to get prequalified to buy a new home. A prequalified letter was provided to me in XXXX and I opened escrow on a home in XXXX. I advised XXXX to submit my loan application immediately to avoid any delay. Throughout this process, he was not very responsive on most messages left for him. I contacted his company and even their receptionist would screen my call and not let me talk to anyone in the office to answer questions on my loan status. XXXX kept saying I would get an answer today on multiple occasions, but it turned out to be a complete lie. You can not leave a message for him or with another employee in his company. We are in the month of XXXX, and still no answer as been provided. I contacted the underwriter and wouldn't provide me with any information as it had to be filtered through this mortgage broker. I lost money in doing an appraisal and I was not able to close on my new home due to his no response. No adverse action letter was provided explaining the final decision on my loan application. This was a very embarrassing experience not only with my realtor, but with the seller.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (GA)

I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. 
I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! 

Thanks in advance!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.
Consumer complaint received 2017-01-09
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (GA)

To Whom It May Concern : I am having issues with Flagstar trying to maintain my home ownership after divorce. Per the divorce decree, my ex-spouse must be relinquished from all financial liability of home ownership of said property. 
I have requested through multiple formal submissions to FlagStar Bank, mortgage servicer for XXXX, to assist in maintaining my home ownership - beginning XX/XX/XXXX ; with a follow-up request occurring XX/XX/XXXX ; and most recently, I have sent a third request XX/XX/XXXX. 
Throughout these past months, I have not only been met with resistance from FlagStar, but I have even had the FlagStar representative dictate to me I should " Sell my home ; downsize ; and get something more affordable. '' My sister was on the phone and witnessed this statement. I find this comment deplorable and offensive. After much thought and research, I am confident neither the CFPB or Fannie Mae would find those words acceptable. As a result and in addition to submitting to FlagStar, because of all previous denials ; lack of responsiveness ; refusal to find the " right '' solution and/or provide possible options ; and offensive words, I am also submitting this mortgage complaint to the CFPB for support and guidance to navigate the mortgage process and help me keep my home. 
I absolutely want to maintain full ownership of my primary residence. I am established in the community as a graduate of XXXX university ; XXXX ; and my family lives in the same subdivision. 
Please assist me. 
Thank you.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I was told by FedLoans that my XXXX individual XXXX loan were consolidated, but I found out that was NOT true. XXXX of them are unsub and XXXX of them are sub. The starting balance and current balance are as follows ; Original XXXX current XXXX ( paid off {$67.00} ) Original XXXX current XXXX ( went up {$75.00} ) Original XXXX current XXXX ( went up {$260.00} ) Original XXXX current XXXX ( paid off {$130.00} ) Original XXXX current XXXX ( went up {$220.00} ) This has been over a FOUR Year period! The customer support are always very rude and unintelligent. I had to once go into forbearance due to loss of job, and they were happy to help me ( most likely due to interest collected ). During this time they reported to the credit bearueu that I was delinquent when that was not the case. There was XXXX other time earlier in the years that I had to go into forbearance due to no work. So just twice, both times approved. 

I am back to paying my loan again due to a great full time career. I just looked at my recent payment, and it was split up between the XXXX loans. More was paid to interest than principal, I 've even seen times where 99 % went to interest and 1 % went to principal. 

This loan company only wants your money. They will have you pay for decades, XXXX over your credit report, collect money on interest and never pass go. Over the years of paying this loan on time ( except for those 2 times ), I still have n't been able to decrease it below the {$8400.00} mark. {$470.00} has gone to principal, where as {$990.00} has gone to interest. I will never be able to be rid of these people, I feel like it 's a debt owed to the XXXX
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am incredibly dissatisfied with the way Bank of America has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Bank of America and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they " deserve to be paid for any services that were rendered ''. What this company sold me vs what was " rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Bank of America is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using " Claim and defenses '' and I would like this to be properly investigated as such.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (MN)

I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.