davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc. (GA)

I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

Citibank is refusing to comply with the requirement under 12 CFR section 1026.11 ( a ) ( 2 ) to issue a refund for my credit balance within 7 business days, and is instead telling me that it will take several weeks.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX XXXX. Before it was transferred I was working with XXXX on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my XXXX children. They kept insisting that I have my XXXX minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In XXXX XXXX, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in XXXX XXXX. On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX stating I had been approved for a modification, but the envelope was postmarked XXXX XXXX, XXXX, so clearly they mailed it after the conversation I had with them. They refused to allow me to make the payment to accept the modification because it was past due date. I immediately reapplied for another modification but this time was quickly denied because my modified payment would be higher than the original payment. I appealed this decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by XXXX XXXX and i asked if I was reviewed for a XXXX XXXX modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.
Consumer complaint received 2016-09-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (FL)

I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. 
Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. 
With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. 
My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. 
On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. 
To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? 
I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. 
Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. 
The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? 
I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
Consumer complaint received 2018-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NV)

Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I request that Midwest Recover Systems verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2015-10-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (IL)

CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency TrueAccord stating that I had an unpaid balance with XXXX XXXX. I have never ever done business with XXXXXXXX XXXX or TrueAccord for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AL)

I submitted a letter to the credit bureau on  XXXX / XXXX / 17 ,  XXXX / XXXX /   17  and  XXXX / XXXX /   17  in regards to a collection that is reporting on my   XXXX   report. I also submitted the consumer a letter on  XXXX / XXXX / 17  and they responded back on  XXXX / XXXX / 17  and the letter states if they have furnished information to any credit reporting agency on this account, a request is being submitted to the credit reporting agency to delete that information. The credit bureau responding on  XXXX / XXXX / 17  stating my dispute is still pending, received another report dated  XXXX / XXXX / 17  stating the collection was updated and received another report dated  XXXX / XXXX / 17  stating the information I disputed has been verified as accurate. On each of my letters i advised the consumer and bureaus to please send me copies of the documents that they have in their files as of this date ( of each disputes ) that they used to verify the accuracy of this account. The consumer and credit bureau fail to disclose any information that I requested to validate this accuracy under the Fair Credit Reporting Act. The account is still showing as a negative impact on my  XXXX  credit report and I have not received any validation. I would like for this item to be dele ted due to they fail to provide me documentation. I have never consult or sign and documents with this company Pinnacle LLC/Resurgent, which is also  going to  be a HIPAA violation.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not XXXX
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (CA)

XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Skopos Financial, LLC (TX)

skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).
Consumer complaint received 2022-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX  bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I ordered a mint, sealed collectible figure for {$120.00} off of XXXX and paid with Paypal. I disputed this amount with Paypal Credit by Synchrony Bank because the item was sent in a flimsy shoebox with no protection. It arrived damaged, and the figure was yellow, sticky, and quite frankly a biohazard and probably not safe to handle. Completely not the same item in the picture that they were selling. I provided pictures for proof. I also messaged the seller and they only offered XXXX Euros for a return and said I must accept it, and then sent another message saying they would refund me the XXXX Euros, and then send a separate XXXX Euros outside over PayPal, which was shady/scammy behavior, and I did not trust them to do so, hense why I asked Paypal for help. Paypal/Paypal Credit refuse to help me at all and expect me to eat the {$120.00}. 

Their buyer protection policy states : " Protection you can count on. If you don't receive the item that you ordered, or it shows up significantly different from its description, you may qualify for Purchase Protection, and we'll reimburse you for the full purchase price plus any original shipping costs, subject to terms and limitations. '' I have went back and forth with them for MONTHS since 2022 trying to get my money back. They are refusing to reimburse me unless 'I ' send the package back, and 'I ' pay international shipping back! ( Over {$30.00} to send back garbage! ) Paypal also keeps denying me because I " didn't return the item ''. I was never even given an option by the seller to return it! They state on their page that they do not accept returns. This is going against Paypal 's buyer protection policy and I am now stuck with a disgusting damaged item that needs to be thrown away unless I fork over shipping costs. Again against their policy.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (PA)

I lost my job after all government funded programs from the stimulus bills and everything else have ended in XX/XX/2021. I at that time had a credit score of XXXX  I now have a credit score of XXXX. I have a total of six credit cards they were taken out to rebuild my credit which I did when I had a good job paid them all 100 % on time and in three months time of not being able to pay none of them would lower my payment would take a partial payment or just stop the interest from building. So now I am totally screwed and 8000 and {$400.00} in debt unbelievable. And I waited for my unemployment for 23 weeks so I couldnt even pay the minimum when I was fired from my job unfairly I might add which I finally won the case of unemployment after 23 weeks of no money from any of you. I will list the credit card companies I dont think it really matters because whos going to pay my {$8000.00} back it sure aint gon na be Pennsylvania.

2cards -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Card Services is a disgusting company that would literally take your last dollar and leave you on the street thats genesis card services whoever owns that should be I dont know put away for just being a thief to low income people. {$8400.00} is my now total owed. Do you know what it is before I got fired 2160 bucks thats what it was and now since I got no unemployment for weeks and lost my job unfairly I owe over {$8000.00} that is disgusting in this country and I paid every bill on time so I could build my credit to a 700 from nothing I started at where I am now 400 this country makes me sick with that stuff.
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (OK)

My loan was transferred to a new servicer ( UHEAA ) and the new servicer unilaterally reduced my monthly payment without informing me so that my final pay-off date would be in XXXX ( the pay-off date under the note ), rather than ahead of schedule in XXXX. I have routinely paid more on my loans than the monthly minimum amount so that they will be paid off quicker and I will pay less interest. The result of lowering my monthly payment is that I would pay more interest over time.