davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC (GA)

In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (TN)

I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

My son 's student loans were referred by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) toXXXX Services of XXXX, New York for collection. I wrote ConServe on XXXX/XXXX/XX/XX/XXXX requesting copies for balance sheets for the XXXX loans, showing how the payments I had made for several years had been credited. On XXXX/XXXX/XX/XX/XXXX, they responded with statements of the totals owed for the XXXX laons, but not the breakdown of payments that I had made. I wrote them on XXXX/XXXXXX/XX/XXXX again requesting balance sheets for each loan, so I could ascertain how the payments that I made had been applied. I received no response from them. On XXXX/XXXX/XX/XX/XXXX my son receioved notification that his federal tax refund of over {$1000.00} had been offset at the request of XXXX. On XXXX he received notification that the same XXXX loansad been referred to XXXX XXXX XXXX for collection. I wrote XXXX on XXXX/XXXX/XX/XX/XXXX disputing the debt, and requesting the same information that I previously requester from ConServe.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and i still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 30 days so those items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation due to the stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (FL)

I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureaus reported inaccurate information in violation of due process as outlined in the statute below. Credit Bureaus reported late payments and I have never been late on any payments.

15 U.S.C. 1666 ( a ) ( b ) ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2015-04-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (PA)

I had routine visit 's to XXXX XXXX XXXX center in XX/XX/XXXX I stopped getting bills after normal month and insurance coverage wait. I continueously contacted their billing dept throughout XX/XX/XXXX with the concern. Was abruptly told that their billing system changed and I would get the opportunity to make my payments once things were straightened out. In XX/XX/XXXX I received a total of amount due from their Dept out of state in XXXX with a " Collections XXXX XXXX '' address. I immiediately called that business number and was told I owed payment in full. I reached the local branch office in XXXX business dept to discuss my concern at this point and inability to make a full payment. They set me up on a payment plan. I immiedately made my XXXX payment and every month since, thereafter, to date as of now XX/XX/XXXX. A few months ago I received XXXX " Collections '' notices of an amount due much higher than what I have it already paid down to, along with harrasing calls from a dept collector on the facilties behalf named " PASI ''. This become so frustrating as they would not initially acknowledge the proper amount I yet owed but that I had already been making payments monthly and on time all along to XXXX XXXX XXXX XXXX directly which I have full documentation of proof of. I actually had to go to the local business office in person to ease my mind and was late for work. I eventually lost my job over this and the emotional distress it has put me under. Now I am getting calls yet again by " PASI '' to collect this " Debt '' which is not a Debt as I am still and all along making payment directly to XXXX XXXX XXXX XXXX intially by phone debit payments and most recently via their website as they instructed me that I could do. So I am now without a job, yet still making my payment as per their payment plan directly to them, and still getting harrassed by debt collections " PASI ''. What rights do I have at this point? Again, I have full documentation of all payments and some legal recorded calls regarding the matter as I informed other party on phone that I would be recording the call as per XXXX state law. Can anyone help me? I am emotionally distressed over this and out of work.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I was incarcerated at the time of all transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see supporting documents attached My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.
Consumer complaint received 2015-07-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (PA)

I purchased a C.D.from my local bank in the amount of {$9000.00}. I was told at the time of purchase that the C.D. had an automatic rollover. I put it in a safety deposit box when purchased in 2003 and took it out last week. I went into the local branch where I bought it and they said they had no record of it. They said to check the state treasury which I did to no avail .I then went to the XXXX, the FDIC and finally was told to register a complaint with this office.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (TX)

I received a notice from this company saying I owe a debt to " XXXX '' an electric provider. The problem isXXXX is the original creditor, yet : XXXX is on my credit report for this as well as " XXXX ''. I have filed a complaint against " XXXX '' for not removing themselves from my credit report when they sold the debt to XXXX in XXXX. Now here is another agency trying to collect the same debt.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (WA)

On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.
Consumer complaint received 2015-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I had a mortgage loan that was never late since inception ( XXXX ). In XXXX XXXX, I applied for a loan modification for the third times ( since XXXX ) and was finally approved. The trial period started in XXXX and completed successfully with XXXX payment. However, while waiting for the permanent loan modification contract to arrive ( which servicer never sent out ), the loan was transferred to Specialized Loan Servicing ( " SLS '' ) in XXXX XXXX, XXXX. 
Please understand that the actual monthly payment was {$800.00}, But because the servicer was fraudulently claiming - it paid {$1100.00} for property tax ( while the county record shows that it paid only {$990.00} ) ; therefore, it increased my monthly amount to {$820.00}. Therefore, I refer to {$820.00} as " full payment '' ( although this amount is erroneous ). 
Meanwhile, before the loan was transferred on XXXX XXXX, XXXX, I made a full TIMELY payment. However, non-of the XXXX servicer show this payment. 
BUT, as XXXX was transferring the loan ( while waiting to send the permanent modification agreement ), it reported to credit agencies the account 3 months late ( 30, 60, 90+ days late ). 
As soon as SLS received the loan, it initiated sending XXXX collection and foreclosure certified letters to me. Through XXXX phone calls to SLS or its own collection calls, I tried very hard to, make SLS understand that the loan was not late. I did not succeed. Therefore, starting from XXXX XXXX, along with each monthly " full payment '', I sent a certified letter to the SLS president asking him to investigate the issue before sending/having its representatives call me for collection or foreclosure threat or sending me the same type of letters. I repeatedly asked that I needed to hear from someone at the SLS corporate level ( someone who would not lie and was competent ) to resolve the issues and that if I TRULY owe an amount ( after all the correction ), I will be glad to pay what is TRULY owed. I even asked for a complete loan history since XXXX XXXX. SLS refused to call me or sending me any accounting. The only thing I would receive from SLS was either a collection call or certified foreclosure letters. I have a big pile of these types of letter from SLS. 
XXXX through XXXX XXXX ( each month ) along with a " Full monthly '' payment, I sent SLS president a certified letter asking - since it claims to be a collection agency, then according to the law, it must investigate and also provide me ( a borrower ) statement of the account. SLS refused and never did anything. 
The last call to SLS ( besides the many lies I repeatedly hear from its representatives - XXXX says XXXX thing and another says completely the opposite- on recorded calls ), I hear that even if I bring the account current ( even based on their miscalculation ), they WILL STILL REPORT MY ACCOUNT ( that has never been late ) - as two-three months 60 days late to the credit agencies ). 
TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.
Consumer complaint received 2016-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an Amex cardholder for over XXXX years. I have always paid my bill on time and in full. I mailed my last payment on XXXX XXXX for payment due XXXX XXXX. I received my bill and was charged {$170.00} in late fees and interest as my payment was received XXXX XXXX. I called Amex and was told there was nothing they could do. I could not figure out how it took XXXX days to go from XXXX to XXXX. They just kept saying they would not do anything to remove the charges. I called again the next day and XXXX told me that I was a valued cardholder but she would do nothing to remove the charges. She told me that I was not a desirable cardholder since I paid my bill in full so they did not make any money off of me. I also have a XXXX Amex so they pay me to use the card in the form of the rebate check. Lastly I was told that I should have considered it was tax season and mailed my payment earlier. So basically it was all my fault and they refused to do anything.
Consumer complaint received 2015-04-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (MI)

this was a genesis loan for XXXX taken out by XXXX in XXXX, Mi have been paying on this loan since 2009 appr. XXXX per month. the balance is still XXXX. As soon as I found out this was a fraudulent loan I was advised to stop paying it. my credit report currently states I am 120 days past due and received a bill yesterday that my minimum payment due is XXXX.