davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I am filing a complaint against Selene Finance due to the fact that I am going through a modification but I am being foreclosed on XXXX XXXX, 2015. When my account was transferred to Selene from XXXX XXXX XXXX, I was going through modification. I told Selene that I wanted to do a Deed in Lieu but was told I had to go through the other modification processes first, trial modification, short sale, then Deed in Lieu. Went through the trial modification. Submitted financial documents. My representative XXXX XXXX got with me and determined that my finances did n't allow me to be able to pay the {$910.00} trial mortgage payment. We contacted them and provided the information to them. After that was over in XXXX I began working on tthe short sale. I contacted a realtor to get help with that. I did n't know them personally but they told me they could set it up for me. Submitted information. Did n't hear anything from Selene so assumed everything was good. Then in XXXX, I got papers from the XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX saying I was being foreclosed on. Contacted Selene to find out what happened. Could n't reach my loan resolution contact XXXX XXXX. I was told that paperwork was n't received. Told them that everything was sent. They never contacted me to say anything. XXXX XXXX is supposed to be working with me and has n't lifted a finger to guide me or help me through this process. I have no idea what is going on. I have been treated terribly and this is n't fair. I need help and do n't know who to talk to or where to seek help. I do n't know how the foreclosure works and if I will just be put out one day while I am out. I am concerned and do n't know what to do. Please help me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (MI)

A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution.
Consumer complaint received 2023-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

On XXXX XXXX XXXX  I brought a XXXX XXXX XXXX from US AUTO SALES in XXXX, Ga at the dealership. Within a week, the transmission was already slipping. By month two the transmission had gone completely out. After taking the vehicle to XXXX located on XXXX XXXX, and waiting over a month and a half for a {$5000.00} brand new transmission and approval from the warranty company XXXX, I received the vehicle back. But unfortunately it was doing the same thing and a week later, the transmission fluid started leaking. The XXXX told me it was my fault because I had hit a median or pothole. But after getting a second opinion ( on camera this time ) I was told they had put a bad transmission in my vehicle. Rusted out was the exact phrase used. US AUTO SALES PROMISED TO REPLACED THE VEHICLE BUT KEPT GIVING THE RUN AROUND. This went on for almost a year with the vehicle constantly breaking down and almost causing numerous accidents. Then in XXXX they shut their doors indefinitely and unexpectedly. Taking the money out of the account for XXXX ( our warranty ), our roadside, and our GAAP. All with a broken down car and empty promises. And the day before they cut their phone lines, they repossessed my vehicle. They took over {$2000.00} from me as a down payment and I couldnt even submit a letter of remittance. I want my down payment back as well as the loan removed from my credit report.
Consumer complaint received 2015-04-10
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Farrell Holdings, LLC (UT)

Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO RC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX ADDRESS XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I had a Toyota Corolla that was repossesed due to me losing my job and not being able to make payments back in XXXX. I filed bankruptcy in XXXX and this was included in it. It is still showing that I owe them and it is still open. How is this possible? This bill is 6 years old and it is affecting my credit due to this still being on there.
Consumer complaint received 2016-01-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I was supposed to the rent paid by Money Gram in the month of XXXX 2015. The rent was late, and I contacted the renter, and she informed that she sent in by XXXX. She contacted Money Gram and they informed that the check was cashed by an unknown person that stole the check that was in the mail. She contacted the local police department. The check was CLEARLY adulterated and Money Gram cashed the check. Now, Money Gram refuse to refund the funds stolen, and is charging {$35.00} per page of the police report to open the investigation.
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN (PA)

In 2007 I took out a student loan with Loan to Learn to help with my attendance at XXXX University XXXX. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called XXXX XXXX XXXX. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is XXXX per month which is unfeasible for me. I did more research as to how my account became this way and it was due to the fact that my account was placed into collections as of 2007 ( which is we signed for the loan ). This information was shared with me from XXXX as well as XXXX XXXX XXXX. My grandparents ( the cosigners ) have been harassed countless times and most recently have been hung up on when speaking to representatives from Loan to Learn. The original contract/agreement states that payment is to be remitted until graduation and that after graduation my cosigners are to be removed. I have made countless calls ( and have kept the logs ) in which we ( we being Loan to Learn and XXXX XXXX XXXX ) spoke specifically about how to attack this situation so that I Can afford the payments and get this delinquency status off of the loan. I am NOT trying to escape making payments ... I am trying to make an affordable payment and that it in turn release my grandparents of this agony and stress as well as reflect as an account that is being paid on time. This loan and its company has been nothing but a headache. Neither Loan to Learn nor XXXX XXXX XXXX are willing to work with you to make repaying a debt feasible. I have even spoken with the Credit Bureaus and received instructions from them and both Loan to Learn and XXXX XXXX XXXX ignore those request as well.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (OH)

I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter. 
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Financial Credit Service, Inc. (AZ)

In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. 
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. 

Thank you CFPB In advance XXXX XXXX