davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (SC)

I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (MA)

XXXX XXXX emailed me that I have an open collection. So i open it and saw a {$610.00} debt collection from XXXX. I do not where this come from. I do not owe {$610.00} on anyone. I have no information about this debt that they are talking about.This is theDebt i am talking about. 

XXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ 614BalanceCOLLECTIONOriginal Creditor $ XXXXHigh BalanceMay XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibility
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (MD)

I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.
Consumer complaint received 2015-10-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (WI)

I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
Consumer complaint received 2015-10-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (NJ)

On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Bank of America. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Bank of America on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am writing to file a complaint regarding unauthorized credit inquiries that were added to my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provide authorization before any credit inquiry is made. In this instance, the companies involved, as well as The credit agency, failed to contact me for permission, which constitutes a violation of the FCRA. 

XXXX : I did not pay any company to do any credit repair for me as i am educated and research a lot on the FCRA laws.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.
Consumer complaint received 2015-10-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I reviewed a copy of my credit report on XXXX. The following account was added to my credit file with XXXX HSBC XXXX XXXX, CA XXXXThe debt collector falsely reported their name. 

Section 807. False or misleading representations [ 15 USC 1692e ] ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The name and address is registered to XXXX a debt buyer. The debt collector claims to be collecting a debt from HSBC. They are not HSBC. 

The debt collector added this account to my credit report on XX/XX/XXXX without sending a written notice. To date, I still have not received a written notice, although the debt collector has verified all attempts to dispute with XXXX. 

Section 1692g of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a 1692g notice, is a violation of the FDCPAThis complaint is for record only as I would like the XXXX, CFPB, FTC and State Attorney General to be aware of this debt buyer and their illegal business practices. They are previously XXXX XXXX and XXXX XXXX. The registered agent is XXXX XXXX. They now go by XXXX XXXX XXXX XXXX, the registered agent is again, XXXX XXXX. Same physical address. 

The debt buyer has violated several FDCPA and FCRA laws : No written noticeFails to identify as debt collectorCollects unauthorized fees, interest, or expensesMisrepresent debt character, amount or statusFalsely threatens illegal or unintended act
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gatestone & Co. International Inc. (FL)

I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.
Consumer complaint received 2015-10-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I saw a new collection appear on my XXXX XXXX. This collection is by Portfolio Recovery Associates , LLC. I have no information at all on this company, but I did get a phone number. They told me they're seeking to recover a debt by XXXX XXXX. They gave an opening date of XXXX. However, I did have a XXXX XXXX card opened in XXXX. I paid in full and closed this account. This company is attempting to collect on a paid credit card.