davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.
Consumer complaint received 2015-05-17
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (FL)

they call all the time.i said i would pay XXXX a month and that 's what i do. it was a mobile home i let go back. so they gave it away an i have to pay the balance. they do n't send you a balance or anything to let you no they received your money.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

XXXX party debt collector has reported to my credit a debt and I have repeatedly sent them letters advising them to cease and desist this collection activity as I do not deal with collection agencies. I advised them that if they were going to continue to report or try to collect this debt that I required they send me a copy of the Surety bond that they had to have purchased and filed with the secretary of state in order to legally report this debt and the date of the bond would have to correspond with the date that this agency began its collection activity. Per the law below that is my right. 
According to the Texas Consumer Law and Texas Debt Collection Act, Subchapter B ; Section 392.101 ; a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in the state of Texas. A copy of the bond must be filed with the secretary of state. The bond must be in favor of any person who is damaged by a violation of the chapter and the bond must be in the amount of {$10000.00}. 
If you persist in collecting this debt please supply the surety bond number and the date of when the bond was filed with the Texas Secretary of State. 

Section 624 [ 15 U.S.C. 1681t ] states that you must comply with Texas State Law. 

Since it is my policy to neither recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

After all of my attempts to get this collection agency to send me this info or delete this item from my credit, they have ignored. I even sent my last letter certified, signature return receipt. 

I am a licensed mortgage loan originator and now my license is being threatened because of this reporting. I do not owe this company. I have never entered into a contract with them. They purchase my debt as a third party from an original creditor that no longer is collecting or reporting this debt. please help me get them to delete this erroneous information from my credit report before I lose my license.
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

We are selling our home. We have been in escrow since XXXX XXXX, 2015. It is now XXXX XXXX, 2015. The Lender, Mountain West Financial has been Telling us for the last 7 weeks that the loan will close this week, every week. It still has yet to close. We are now living in our trailer, forced to make not only mortgage, but rent for our trailer. We want them to finish the file, but keep getting the run around on it
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An account listed as XXXX on my credit report is extremely old and I have attempted to dispute that it because it is well past 7 years old and is not supposed to be reported to my credit file any longer because there has been absolutely no activity since XXXX 2008. I have disputed its acuracy and I have asked for it to be removed with certified mail various times. This account has kept my credit down and is affecting me very negatoivey. I have not recieved any adequate repsonse from Transunion and they keep sending me generic answers and do not verify the facts that I am expressing to them. Pkease, investogate this fro me. This account is devasttaing my life and is not legally allowed to be on my file anymore. Why are they keeping it on my file illegally? They have not verifed the dates that I have asked them to correct in order to see that this account has had no activuty n over 7 years. Please help me, someone. I have no options left.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is reporting on my credit report with false information provided by XXXX XXXX for supposed creditor XXXX XXXX XXXX XXXX XXXX. This supposed unpaid medical bill showed up OVER 5 years after date of service. I have no outstanding medical debts with XXXX XXXX XXXX. I have had for over 20 years incredible medical insurance that has paid my medical bills. I have not received XXXX bill of a balance due and after having received nothing in OVER 5 years I find this debt to be fraudulent. I am not responsible for their faulty accounting records or inaccurately recording PAID debts. I want this immediately removed from my credit.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.
Consumer complaint received 2015-05-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: F.H. Cann & Associates, Inc. (WA)

They sent me a letter threatening to take legal action against me if I did n't take action to pay off my student loans so on Friday XXXX I spoke with a lady from FH CANN I told her that I was already doing a loanRehab with XXXX through the Department of Rd she ask me what was my payments and I told her {$5.00} a month and she told me that {$5.00} was n't feasible for them and they will need more money than that she was so rude about the situation and also I would Like them to contact me only not my job
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

Started with a hospital visit & billing error by XXXX XXXX XXXX XX/XX/XXXX. Hospital failed to submit the proper claim through my insurance company & was charging me the full bill. Took them almost until XX/XX/XXXX to fix the problem, all I owed was a {$150.00} copay. Hospital never sent a bill but instead, reported & sent me to collections. Company is called Harris & Harris LTD out of XXXX IL. I paid the {$150.00} bill online XX/XX/XXXX after I requested a proper bill with the correct amount for my records. I am still getting collection calls on my cell phone. I have faxed & notified them verbally to stop the calls as the amount owed has been paid. Harris & Harris phone representatives are extremely rude & pushy insisting I have n't paid the {$150.00}. No one will take ownership and keeps transferring me to different people ultimately ending up with the same fax number to fax my proof of payment. The harassment has gotten so bad that I no longer pick up my phone when I see their number on my caller ID. Least they can do is offer to verify payment & make the proper corrections. Or at least, be pleasant on the phone, I do not owe them money & therefore need to be treated right & not as a deadbeat. All because XXXX failed at its obligations to properly process my claim & send me the correct {$150.00} copay bill.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NE)

I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have submitted loan modification but they denied it. They said I have other option which is Short Sale with HAFA. I have submitted and qualified for HAFA. They sent me letter and asked me to list the house as the price they approved and told me they will postpone my sale date until they complete marketing period. My agent informed me that the sale date is on XXXX/XXXX/2015 and she tried to contact negotiator but no response. I could not understand that we do have paper show they will help to postpone the sale
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

An account with XXXX was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus 2 times, once as XXXX, once as their in-house collection division called Asset Acceptance. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (FL)

On XXXX XXXX, 2015 at XXXX, I received a call from a gentleman who said he represented The Revenue Group. He said he mailed a letter to me in XXXX and that I did not respond. I asked him to please re-send the letter as I never received it. He refused. He said he 'd tell his client that I was unresponsive. I told him that was not correct, and I asked for the letter to explain any debt he was trying to collect. He hung up. I am not aware of ANY debt I owe that would end up in collections.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chime Financial Inc (TN)

XXXX XXXX - open XXXX XXXX - closed/chargeoff Chime/XXXX  - open XXXX XXXX - Status - paid /closed XXXX XXXX XXXX - open In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have filed numerous disputes with XXXX, Experian, and XXXX. I have accounts on my credit report reporting late payments, but the accounts were closed and transferred before the late payment was reported. There is a 60 day grace period of mortgage transfers. The mortgage was never late. I have asked the original creditors for information, but none has been provided. I would like your assistance in making sure the bureaus actually investigate my disputes. Thank you.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (SC)

Information was linked to the dark web on XX/XX/year>. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!
Consumer complaint received 2024-09-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/year> I submitted payment of {$460.00} towards the credit card balance. On XX/XX/year> the money was withdrawn from my checking account so money was received by target credit card issuer. On XX/XX/year> I was at the store and made a purchase of {$130.00} and the card was declined. I used another card at the store does not able to receive the 5 % off that the target card benefit has. I called the target card services and talked with a XXXX who advised me I have no available credit. Now my card limit is {$500.00} which is another story but just for reference. I advised XXXX I made a payment on XX/XX/year> and advised her the money was withdrawn on XX/XX/year>. She told me it can take time for payments to be credited to the account and credit opened back up. It has been 9 business days for this payment to be credited to my account. She put me on hold for 5 minutes and came back and told me to be happy she was able to get the payment credited to my account and I now have an available balance to spend. I asked her about the 5 % discount I had to not receive because I had to use a different card and she said there was nothing she could do and transferred me to client relations. Now XXXX at client relations was able to resolve the issue and gave me a rounded up XXXX $ gift card as credit to use at the store but I am not happy and feel the practices of target applying payments is deceptive and illegal. We also had a transaction last week that was declined that I didnt call on but I should have. The funny thing though is that yesterday I went to the same target store to buy a jalapeo and I was able to use my target credit card to charge {$0.00} for the jalapeo and I saved the 5 % and got {$0.00} off my purchase yet on my larger purchase I was declined. I feel like something is not right and I should not have to call to have my credit balance be updated when they receive payment.