davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
Consumer complaint received 2015-09-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Express Collections, Inc. (OR)

I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

his is not my debt. I have reported it to Experian and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
XXXX XXXX XXXXAddress:XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XX/XX/XXXX Type : CollectionTerms:1 MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.
Consumer complaint received 2015-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015. 

I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP!
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

TSI/XXXX IS TRANSWORLD SYSTEM INC ON MY CREDIT REPORT AS BEING OPEN FOUR MONTHS AGO.AND UPDATED XXXX XXXX. NEVER HEARD OF THE AGENCY NOR HAVE I EVER BEEN CONTACTED, VIA PRIORITY MAIL, EMAIL, PHONE, AND NO LEGAL DOCUMENTS. NOTHING SHOWING ANY SIGNATURES AS PROOF.ALL INFORMATION IS INACCURATE INFORMATION. BEEN OVER 60 THIS COMPANY HAS NOT PROVIDED ANYTHING TO PROOF THE THAT THE AMOUNT LOAN OF {$14000.00} IS MINDS. JUST HARASSMENT CALLS DAILY, ASKING TO VERIFY MY IDENTITY AND PHONE NUMBER, ADDRESS, ETC. THEY MIGHT BE A LEGITIMATE COMPANY WHO ARENT FOLLOWING THE RULES, JUST THEM REPORTS TO CREDIT REPORTS. NO ACCURATE INFORMATION
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OK)

Equifax is reporting a debt from XX/XX/XXXX that is the last date of delinquency it was sold to a collection agency that is reporting it as XX/XX/XXXX I have never paid anything to the collection agency for I do not owe it due to the fact that the business where the accident happened agreed to pay the bill but did not. I have a lawsuit against the collection agency for refreshing this debt but the Equifax will not remove this item even with proof of the original creditor date of XX/XX/XXXX. I have read on this site that I am correct statute begins after last day of delinquency unless I have paid on it which I have not I want the removed from my credit report this violates my rights.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Equifax - I can not access my credit report or file a dispute on line. Every time I answer their verification questions I am told my answers do n't match their information. However, I am able to pass the verification questions for the other XXXX credit reporting companies. This has been an ongoing issue for at least a year.
Consumer complaint received 2015-09-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Professional Recovery Management (TN)

FOX Collection Center has been assigned to collect a debt for XXXX XXXX XXXX in XXXX, TN. This is for a medical procedure my husband had done. 

They communicate with us thru mail and also our cell phones. Today XXXX, Fox attempted to contact me & my husband during our work hours on our cell phones. They chose not to leave a message. Was n't long when my husband received a phone call from HIS EMPLOYER that he needed to call a certain number!!! 

FOX COLLECTION CENTER has chosen to leave a message with my husband 's employer instead of on our personal phone lines, which they have, which does have working voice mails. 

Therefore, I 'm filing a formal complaint against them for unfair business practices. There was absolutely no need for them to leave a message with his employer. That could have been done when they called both our cell phones right before that!!! 

And as a side note, we have NO IDEA where they even got his employer information. We never gave it to them. This is very unfair and strong arming should be against the business practice of collections!!!
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has been requesting that we re-sign and re-notarize our mortgage documents because they detected formatting errors in the original documents that are preventing them from filing our agreement with the XXXX XXXX Court. 
Bank of America hired a third party agency to contact us and arrange to have their notary public come to our home to have a new set of revised mortgage documents signed and notarized. We requested that Bank of America send us a copy of XXXX our originally signed documents and a copy of the revised documents, highlighting the formatting errors that they mean to correct. We have made this formal request to them three times. 
The first time they requested this action was in XXXX 2015. At that time, we let the third party know that we wanted to know exactly what formatting errors are questionable to the court. The third party is not privy to that information and connected us with Bank of America to have our questions answered. We told Bank of America that we are not signing any new documents until they show us the specific, highlighted errors that they are revising. Bank of America said they would get back to us with that information. 
Instead, in XXXX 2015, we received a second set of documents with the identical request for signature and notarization to be arranged by a third party agency. Again, we told the third party agency that we only want to know the exact changes to be made to our mortgage documents before we sign anything. The third party agency began a series of harassing phone calls to schedule the notary public to meet us at our home. We asked them to discontinue this protocol until our questions to Bank of America are answered. 
In XXXX 2015, we received a third identical copy of the request to sign and notarize newly revised documents and the process with the third party agency began anew. We let the third party agency know that we were still awaiting Bank of America 's response to our question. 
Then, XX/XX/XXXX, a notary public randomly showed up at our residence and said they were sent by Bank of America to witness us sign a new set of revised mortgage documents. No one called to schedule this visit and we let the notary public know the history of what had transpired thus far and that we would not sign anything until Bank of America gave us a highlighted version of the documents to make clear what the formatting errors are and what would be revised in the new documents. 
We believe that Bank of America is trying to do something underhanded with regard to our mortgage. We understand that we agreed to assist in correcting any possible errors. However, we did not agree to sign new papers without knowledge of what specific mistakes were made and how the corrections impact our mortgage. 
Please have someone from your office contact me, or my husband, XXXX XXXX, XXXX, to discuss any possible recourse we might have and what our rights are under the law. 
Thank you very much.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The payment history of my mortgage account received from BofA has transaction that are questionable. In the history of the account when Countrywide bought my mortgage XX/XX/XXXX for 6 years ( XXXX ) no payments was posted. XX/XX/XXXX was also the month my property tax was due. I did make payments to my mortgage in XX/XX/XXXX for these years that are not posted. 
On XX/XX/XXXX there is a transaction of {$4700.00} that was XXXX back to my mortgage balance. BofA has not provided an explanation for this transaction. 
There is a lien on my property by HUD for an amount of {$7600.00} filed XX/XX/XXXX. The court documents does not state what the loans was for and Bof A has state is a partial payment which they have not provided documentation of this transaction. They can only provide a history of the payments applied to my account. 
There are many missing payment made to my account.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just turned XXXX and I want to make sure my credit is clean. I have had notifications that someone had applied for credit in my name. I have had XXXX inquiries on my credit report, and I just graduated from high school. I did not make any inquiries on my report, and want to make sure that I am not a victim of identify theft. At this point, I feel that this has possibly happened, as they had my addresses from the last three places I lived.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (TX)

Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MD)

Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.