davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hirshberg Acceptance Corporation (MI)

To whom it may concern I have been in contact with a debt collector that works out of the office of XXXX. 
Address : XXXX, XXXX, MI XXXX. 
They claimed that they had sent notices about the credit card debt but I never received any information from then until I had been informed from mine and my wifes bank that our savings account was being garnished. After I contacted the company I received a letter from them. I sent them the information they requested and a letter of debt validation ( certified mail ) on XX/XX/2016. I called them today XX/XX/2016 and they are refusing to send me any information about the debt they claim I owe. From the research I have done they are breaking the law under the ( FDCPA ).
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OR)

Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another scam.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (GA)

FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} RENT RECOVERY SOLUTIONS Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, HSBC . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. 


Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Consumer complaint received 2016-05-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My husband and I were approved for a loan modification from Bank of America in XXXX 2015. We made the four scheduled payments on time and were to receive XXXX copies of the agreement to sign 10 days after the fourth payment. We have made 6 payments and still have not received the paperwork to sign and our credit was ruined during this process. We receive a delinquency notice on XXXX XXXX saying we owe XXXX. We have not missed any payments and we continue to get lied to by the relationship manager. All she will say is that we are working on it. They are causing us undue XXXX and my husband is XXXX. We just want answers as to why this process is taking so long and all we are told is that we made the payments too early which is not true. The payments are due on the XXXX of the month and my husband pays it after the third week for the following month when he gets his XXXX check. We have not been delinquent and we want this resolved so we can repair our credit that Bank of America has ruined for us.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Acceptance Company (NJ)

I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am disputing a 30 day late on my XXXX credit report. I have a issue with XXXX late payment in XXXX which was a little bit after I moved from XXXX XXXX XXXX XXXX Ga XXXX to XXXX GA XXXX and also thought this was setup on automatic payments do to previous manual payments and asking to be setup on auto billing. I was unaware of any notices sent to my previous address saying that my payment was going to be late or any need of a payment due. Please remove this late payment off all credit bureaus. 

I really appreciate your assistance
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (TX)

I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX
Consumer complaint received 2021-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

My loans were discharged by total XXXX student loan discharge on XX/XX/XXXX with an effective date of XXXX of XXXX. I received a refund of payments from Navient however to dat they still show a balance on my account and list the loans in a forbearance status for one year. They are also listing that I need to recertify my Income Driven Repayment program status. Its been two months since Navient was given the information from XXXX and they still do not seem to have processed this correctly. My concern is that this will end up going back to a payment status in XXXX of XXXX and I will be forced to go through the process all over again. My XXXX are due to are service connected and this whole issue cause me a lot of XXXX. Can you please get them to correct process this so I do not have any problems in the future?
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

After completing a loan forbearance under the CARES Act in XX/XX/2021, I was placed in a VA Streamline Covid19 Disaster Modification repayment in which I have been on time each month. However, Homebridge Financial is negatively reporting my payments citing that once the initial prequalification is completed ( 3 months ) then they will remove the negative reporting to my credit. This does not make any sense and I never signed anything agreeing to such a crazy process. I feel that I am being discriminated against and I need your help to resolve this issue and make whole the credit reporting issue.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions XXXX 3 times XXXX and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (OH)

After making written requests to the creditor known as Consumer Portfolio Services ( CPS ) to cease and desist their continued harassing telephone calls, I received yet another call from the representative named XXXX XXXX. She does n't seem to get it - cease and desist means DO NOT CALL. I reported the incident last Thursday and was assured the calls will cease, and then she calls again today. I will file suit under the FDCPA because nothing else seems to work. When I prevail, they can issue me a lien release immediately and cancel the debt, sending me a XXXX balance statement along with my title, since they do n't want to follow the law.
Consumer complaint received 2016-11-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (IL)

after sending multiple certified letters to ad astra and filing complaints XXXX and XXXX, ad astra asked me to go onto the ftc id theft website and send them a copy of this to get the tradeline removed. I have done this and sent them a certified letter that was signed for on XX/XX/XXXX. This still has not been done, even though i have done what they have asked. Ad astra continues to work in bad faith by not honoring what they said they would do. I have never done anything with this company.. i do not have a signed contract with this company nor do i owe this company any money. this is a BAD DEBT
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Ad Astra Recovery Services Inc (AL)

I have previously disputed with this showing me that they have signed documentation that I owe them the said accounts. The only thing I have received is the uploaded information. This is not showing me that I 'm the person who has a signed contract with this company. They are stating they have reviewed the clients files, but no type of documentation was forwarded to me. I 'm requesting accounts ( both ) to be removed from all XXXX credit reporting agencies.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (AL)

I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. 

On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?
Consumer complaint received 2016-05-17
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Americas Car-Mart, Inc. (AR)

I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent transunion a dispute with copies of verification of items being removed and re-inserted on the same day, on XX/XX/2017. Today I called them and told them I have not received anything from them and asked for status as it has been over 30 days. I spoke with XXXX. 
When I disputed back in XXXX, which XXXX, confirmed over the phone, I did n't receive a written status update or update credit report from Transunion. So today I asked them to remove the accounts I disputed on XX/XX/2017 because they have not responded in the time allotted by law and was told that it was previously ( XXXX XXXX returned from the creditor as " verified '' I have charged off accounts showing balances and reporting charged of monthly which should not have a balance " XXXX '' and should not report as an open account and tansunion does not want to delete this false information. I 'm frustrated because ive been reading the laws and I 'm disputing based on the laws but transunion is not complying.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are XXXX.