davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
Consumer complaint received 2015-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX 2014 I ran my credit at my bank and had accounts listed that were not mines so the banker told me it was identity theft she advised me to call the police department so I did and spoke to an officer we went over all accounts he told me to wait a few days and come to police station to pick up a police report with all accounts listed and submit a copy to each credit bureau so I did but nothing happen so at this point I 'm trying to restore my good name and credit I need these accounts removed from my credit.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My banking records were subpoenaed from Bank of America, by XXXX XXXX XXXX XXXX. The attorney illegally pulled records, in an effort to track down my personal information. According to XXXX court records there is no judgement against me. In fact, the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, 2016. So how were XXXX XXXX XXXX able to subpoena bank records? Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, does not have proper documentation to subpoena bank records and does not have a judgement pending against me. 
What 's worse, Bank of America mailed the subpoena to me on XXXX/XXXX/16, according to metered stamp envelope. It was received on XXXX ( Sat ) and the papers were released to XXXX XXXX XXXX on XXXX/XXXX/16, according to bank 's representative who spoke with the bank 's legal team member. I had only XXXX working day ( XXXX ) to refute when I am leglly allowed XXXX business days.I was not able to speak to the bank 's legal dept which is a rule that needs to be changed and made the issue more complication that it was. I needed accurate information and be able to hold someone accountable for the informaton given.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! 
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX
Consumer complaint received 2015-10-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Fitzgerald Goldman & Associates, Inc. (FL)

I 'm an attorney. I represent XXXX XXXX. She has received false threats of lawsuits and garnishments from a company called Fitzgerald, Goldman & Associates. After witnessing FGA make these threats to my client during the course of a telephone conversation, I interjected and asked for their address and the account number upon which they claim to have filed the lawsuit. FGA repeatedly refused to provide their address or the account number for the alleged debt. 

I sent a notice of representation, which they ignore. They have no license to collect debts in Florida, and their behavior violates the FDCPA and numerous other laws. It is unknown whether the account ( which is unidentified ) is valid or not. 

I have tracked their corporate address to be Fitzgerald, Goldman and Associates at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX and their registered agent to be XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MD XXXX. The phone number for FGA is XXXX XXXX XXXX and XXXX. They have blocked my office number ( meaning the call does n't even ring when I call ) and I can only reach them by changing the phone from which I call. 

XXXX XXXX XXXX ( name obtained via their phone mail system ) flatly refused to discuss the alleged lawsuit with me even after I sent a letter giving notice of my representation. This firm is engaged in a criminal operation to scam consumers into making payments to them. 

My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IN)

I have been cleaning up my credit report. XXXX and XXXX both investigated and removed everything I sent. Equifax on the other hand is a diff story I have disputed several things one was a judgement that was basically illegally filed because they knowingly sent it to an old address and we did n't know anything about it until I pulled the credit report. I sent in letters to all agencies with documentation showing they filed without us knowing. It was investigated by all agencies XXXX and XXXX deleted it equifax marked it as satisified ( which is incorrect ). 2nd I sent a letter to a collection agency requesting proof that a debt was ours for comcast because we believe it is for the equipment that we turned in. Its been 45 days they have n't responded to the letter, I disputed it with all agencies it was removed from XXXX and XXXX. Equifax has n't removed it. 3rd sent out another letter to a collection agency for harris and harris requesting they validate the debt show proof it was ours. They never responded its been 3 months nothing. Field a dispute with XXXX and XXXX it was investigated and removed. Equifax did n't remove it. XXXX. XXXX paid tax leins we did n't know we had until I pulled the report they were paid in 2014 XXXX removed them. XXXX and equifax have not I filed for an expungment from the state and that has n't gone through yet but I did send letters and proof it was filed to both agencies. I 'm trying to get this cleared up to purchase a home and its becoming incredibly difficult. I do n't understand how one agency can verify something as incorrect or not ours and removes it and another agency finds something totally different.
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

MORTAGE LOAN WITH QCWEN nUMBER XXXX AFTER NUMBEROUS REQUESTS FOR MODIFICAITON DUE TO HIGH INTEREST AND FALLING HOME VAHOME VALUE THE COMPANY STATES IT IS A SERVER AND CAN NOTHELP ME DIRECTLY BUT SUBMITE MY REQUEST TO LOAN HOLDER. IWANT OCWEN TO COMPLY AND HELP ME STAY IN MY HOME. I BUILD THE HOME IN 1983 WITH A LOAN FROM MY DAD. HAD TO GE A PREDATORY LOAN FOT PYA PAY FOR MEDICAL COAST ASSOCIATED WITH CARING FOR A XXXX PERSON OF 16 YEARS. I TOOK THE LOAN IN AT 9.75 % ( XXXX TIMES THE NATIONAL AVERAGE. ) i REQUESTED MOTIFICATIONS AND REINSTATEMENTS NUMVEEADLY NUMEROUS TIMES. mY HOME WENT DOWN IN VALUE AND MY COST AND WHAT WAS OWED WENT UP. I NOW OWE MORE THAN WHAT IT IS WORTH.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. ()

Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank is failing to send updated transaction information to the company XXXX so that I may receive money for the hours I have worked in the week. Failing to do so is causing the bank to send me a fee for not having money in my account, but if they sent the info like they are supposed to, I would n't be charged the fee. They are essentially stealing from me
Consumer complaint received 2016-06-23
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (AL)

I called XXXX XXXX XXXX and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Someone opened a credit card with Bank Of America in my name and put a fake name on the account as well. 
They put all of my information as the primary card holder and had the card ( s ) sent to my address. Bank of America has no other phone number or address on file. There were no charges on the card. I closed the account. 
I want the credit bureaus to remove the hit on my credit for opening a card that I did n't actually open and then closing it. It needs to be removed from my credit rating all together. 
I spoke with the Police department and they indicated to notify the credit bureau and the social security administration. There is no need for a police report because there are no charges to the account. 
I can not get in touch with any department of the credit bureau to notify them.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

On XXXX XXXX, 2016, I received mail from Portfolio Recovery about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Portfolio Recovery to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Portfolio Recovery has contravened its XXXX statutory requirement to sufficiently validate the debt.
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

My private loans from college were financed through XXXX. now d/b/a Navient. I received a letter stating I was unable to apply funds directly to the loan principal, despite the account being current. Navient insisted that the additional funds would be applied to interest that had accrued since the last payment. I responded that any accrued interest would be paid when I make the NEXT monthly payment ; however, Navient refused to apply the additional funds to the loan principal. I called the CFPB in XXXX XXXX inquiring about this new " policy '' and whether it was illegal. The CFPB representative had never heard of such a policy. She indicated that most loan providers allowed principal-only payments if the account were up-to-date. I figured this may be an illegal practice since the mortgage industry attempted a similar tactic ( requiring one to pay all the interest before payment to the principal ) and it was struck down by the courts. 

When I attempted to apply additional funds directly to the principal, despite this new " policy, '' Navient applied it to the interest. I fought with them for two months to have the money applied to the principal, but Navient decided returning those funds to me was a better option. In XXXX XXXX. Navient raised my interest rate in retaliation for the refund! 

This " policy '' is a problem because only XXXX of the payment I send to Navient as payment for the loans is applied to the principal. This " policy '' would essentially keep students in debt, well beyond the 15+ years it already takes to pay off student loans. Is this " policy '' to keep students in debt ACTUALLY allowed?