davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (OH)

On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Consumer complaint received 2017-10-24
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: CITIBANK, N.A. (CA)

Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.
Consumer complaint received 2021-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am not liable for this debt of {$450.00} with ( I C SYSTEMS COLLECTIONS ) Account Number : XXXX | I do not have a contract with I C Systems collections, nor did I ever open up a credit card or use services in the amount of {$450.00} with the original debtor. I am in no way shape or form responsible for the debt.They have been falsely reporting this debt on my consumer credit report. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 U.S.C 1666. I would like this removed from my credit consumer report.
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (WI)

We went through Home Depot 's project loan, representative XXXX XXXX, to have our roof replaced this summer. They hired contractors ( XXXX XXXX XXXX ) that not only caused {$15000.00} dollars worth of siding damage while taking 2 extra days to complete the job, they were also drinking alcohol while doing our roof. We received an offer from that contractors insurance company for {$7500.00} half of what it will cost to have it replaced. Home Depot called us this morning and said these exact words " We stand behind the contractors insurance '' which means Home Depot is not going to do ANYTHING to fix or make this situation right. We still owe and need to pay the {$14000.00} for the replacement of the roof AND now come up with the {$7700.00} to fix the siding. We 've been in touch with XXXX XXXX and XXXX XXXX from Home Depot in regards to the price of the roof and nothing there has been handled or changed price wise. Not only has this been stressful but has been a financial hardship for us.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
XXXX. XXXX XXXX acct # XXXX 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX XXXX  acct # XXXX ... 
XXXX. XXXX acct # XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

I was forced into forbearance after graduating because my job at the time did not pay enough for me to support myself and also pay back my student loans- as a result, I have a huge amount of interest built up from the forbearance. In addition, after both my parents died last year ( who were co-signers ), no loans under their names were forgiven- they were put onto me which I am still currently paying back, along with the interest.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This is an ongoing dispute with Capital One. I know my rights and you are trying to over charge a payment plan. What I would like for Capital one to do is to honor what was stated over the phone or lower the payment to a reasonable payment plan.. Their employee said XXXX dollar payment, I asked for a clarification that this was a XXXX dollar monthly payment and I was told yes, then she took the payment, then I asked again and was told no this was just a payment towards the bill. If I am correct if a bill is XXXX, XXXX  dollars you can not charge more than XXXX dollar payment. This is a law and Capital one is breaking that law by making a charge for XXXX dollars. if my bill was XXXX to XXXX dollars I can see a XXXX dollar payment. Calling you customer service to discuss a payment plan has not worked, if you were willing to work with me, then you would have done that the first time I called in. Now that I have involved the CFPB, now you want to discuss a payment if I call capital one. What I want is your capital one to lower my payment from XXXX dollars to a manageable. On my other card I have from you, my payment is XXXX dollars, so you can lower the payment, you are just refusing to do so. I will keep filing my complaint until you agree to a reasonable payment plan. 

Thank You
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (CA)

NetSpend sent me two separate emails indicating that I should expect a credit card in the mail from them that they claimed I ordered. I did not order any such services, nor have I ever been a NetSpend customer. Upon contacting their dispute team to determine if my identity was stolen, they confirmed that the email was fallacious, and that it was merely a marketing campaign.
Consumer complaint received 2017-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (KS)

On XXXX XXXX, XXXX I send a wire from XXXX XXXX XXXX to Citibank in XXXX. The money was to be available on XXXX XXXX, XXXX ( or earlier ) for {$XXXX} USD. This money has not been deposited or returned to me as of XXXX XXXX, XXXX. The individual has asked that the money be returned for the last three days. XXXX XXXX XXXX has asked that the wire be returned by it has not received an answer and has asked again. The money is being held by Citibank without it coming back to me or the individual. I have the individual at the name that is receiving email from the person who was to receive the money.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (MN)

I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Buffalo Auto Acceptance Corp. (NY)

representative harassed me about missing a payment. I made a payment. provided medical reasons for missing payment. Yet still they stated I was behind. As I tried to pay the money was put on current charges leaving late fees adding up from missing payment. XXXX  they came and took the vehicle from my workplace while I was working. I've been receiving a letter stating the car that was {$17000.00} sold for {$6500.00} and I owe the reminder or my wages will be garnished. The vehicle had XXXX miles at the time of purchase.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Control Services, Inc (OR)

I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.
Consumer complaint received 2024-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (AZ)

we had XX/XX/XXXXmortgage for 4 years then got transferred to fay in XXXX in XXXX XXXX put 5 months and escrow shortage into are loan and uped are mortgage amount because my wife was on XXXX for 6 months XXXX percent pay we have the paperwork fay is saying beside are normal mortgage of XX/XX/XXXX that we owe XXXX and are adding intrest on it XXXX fixed it in XXXX
Consumer complaint received 2021-10-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.
Consumer complaint received 2017-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (DE)

I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing. 
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title. 
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I was approved for a XXXXXXXX XXXX the car was acting up so I brought it to the XXXX XXXX and the mechanic told me that the transmission is going out on the car so I told XXXX XXXX about it and they didnt do anything about it and credit acceptance didnt also so I brought the car back to XXXX XXXX and left it there for them to keep
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from XXXX XXXX XXXX XXXX XXXX stating that owed a bill from XXXX XXXX for {$1200.00} from an account billed to the same name that I have with an address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA. I wrote to them on XX/XX/XXXX, informing them this was not my account. They had mailed the bill to my vacation home in XXXX, CA. I gave them my home address in XXXX XXXX. Recently I received another letter from them at my vacation home in XXXX, and for the first time gave me the address of the debtor in XXXX, GA. I have never resided outside of the State of California, and the only time I was in XXXX was to switch planes in XX/XX/XXXX, and have never been outside the airport. Either someone is purporting to be me, or this is an attempt to collect an uncollectible debt, as it was charged off in XX/XX/XXXX, and the statute of limitations in California is 4 years.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. 
regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

Every time I make a payment, I attempt to pay additional principle payments and they are never applied. I have included a note, written on the check, envelope, The company is intentionally not applying extra principle payments. 
I have called them at least XXXX time and spent hours on the phone with them.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP (NY)

The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief. 

The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it. 

I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector. 

Thank you Respectfully
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC (AZ)

I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Consultants of California (CA)

Hello, I am emailing in regards to XXXX bills from XXXX XXXX XXXX still showing up on my credit file. I am aware that Collection Consultants in XXXX, California ( XXXX. XXXX XXXX, zip XXXX ) still has me showing bad debt for {$75.00} and for {$10000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Bills ). 

XXXX XXXX, my insurance plan was never billed for the XX/XX/XXXX {$10000.00} amount and is still awaiting on the bill from XXXX XXXX of XXXX. 

The {$75.00} debt was sent to collections without me ever have received a bill. How am I supposed to know that the {$75.00} debt to XXXX XXXX of XXXX is mine? No bill was ever received but it was sent to collections without my knowledge. 

I do know that starting XX/XX/XXXX there have been many changes to all three major reporting agency companies ( XXXX, XXXX and XXXX ). I know that my social, my name, address and either my D.O.B or social should be listed to identify me as the person who the company is trying to collect a debt from. I also know that this past XX/XX/XXXX, all XXXX agencies are to remove all medical debt accounts that were sent without properly billing my or any XXXX persons medical insurance. I demand proof from XXXX XXXX XXXX of XXXX that they have billed XXXX XXXX as I have sent in my bills on my own and they have been awaiting a response from XXXX XXXX XXXX XXXX since the beginning of the year to send in a payment. They requested their TAX ID to make a payment on the XX/XX/XXXX bill for {$10000.00}. 

I work in the XXXX field and I understand that insurance companies MUST be billed and that it can take from XXXX days to up to a year for payment. In this case, XXXX XXXX XXXX of XXXX just sent my account to collections for {$10000.00} and tarnished my hard work in keeping my credit file clean. 

Please let me know what can and will be done. A copy of this has been sent to CFPB.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info 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  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX