davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (NY)

To whom it may concern, We customers ( XXXX & XXXX XXXX ) are writing to make a complaints for Hyundai XXXX in XXXX XXXX at that time XXXX XXXX we paid down-payment {$1200.00} and was approved after tried at least 5 different running our credit. At that time was {$580.00} a month all different kinds of perks but over the cost of time .When we paid {$18000.00} all together but we was missing 3 payments the car was repossessed IN XX/XX/XXXX STARTING WAS 11 MILES AND CONTRACT TERMS WAS3 YEARS/45,000 Miles. Sold at auction {$10000.00} also yet to remind you the car suppose to be brand New XXXX Hyundai XXXX .We learn their was 3 Recall on car. It's on credit report.DECEPTIVE PRACTICE ( Bad practices ) We like to sue for {$18000.00}. Vin # XXXX Please help us soon as possible.i will send documents soon. 
Thank you
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc. (ME)

THe Thomas Agency has called twice now, from an unidentified number, to leave messages stating I owe a debt to XXXX Hospital. I have verified with XXXX Hospital TWICE that there is no outstanding amount due. First the agency should not be calling from an unidentified number. I can only assume they don't want people to answer the phone. 

Secondly I have never received any written communication from the Thomas agency, only random pre-recorded phone calls that are made to my cell phone once the office is closed for the evening. 

I have twice now immediately called back only to be directed to an automated service, as the office is closed when these calls are generated. I have left messages that they are not to contact me via phone and to only contact me in writting. Additionally they need to verify what they are trying to collect with their client. 

.
Consumer complaint received 2022-08-12
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: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : AMEX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC (MD)

On XX/XX/2023 ACCELERATED INVENTORY MANAGEMENT LLC ( AIM ) through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action AIM, XXXX, and XXXX caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX my wife and I told Bank of America that we could no longer make our mortgage payments. The reason being I have health reasons that take include XXXX and I have XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX in my XXXX ), XXXX XXXX XXXX XXXX in my XXXX, and XXXX XXXX XXXX in my XXXX All these problems require a specialist. We live on social security and my wife has a small XXXX dollar pension. All we have heard or gotten from Bank of America is 5 letters wanting us to refinance! We have told them5 times now that the house is theirs we do not want it or can afford it! They continue to carry us as delinquent in our payments for all this time!! They have ruined our XXXX XXXX of the first things we asked for was a short sale. They sent us a refinance form! We sent item another letter stating that we did not want the house, to no avail they are now finally now starting foreclosure on us. How long are these Banks aloud to put of what the customer asks for?? It has been 22mounths since we turned the house back in to them and are still being carried as delinquent with a bad credit rating! I do not think this is right! I had to go to the VA. for medical help and prescriptions.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have notified XXXX XXXX XXXX that an account in the amount of {$71.00} does not belong to me. Yet they still report it on to my credit file. I have also notified Equifax yet my request has been ignored to remove from my credit file. I am a victim of identity theft and did not open or authorize this account or at any establishment that XXXX XXXX represent. I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I will be forced to sue all CRS 's reporting this account and XXXX XXXX.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (GA)

I sent a dispute on XX/XX/2018 asking FirstSource Advantage LLC to validate debt of {$230.00} I was looking to get full accounting of the alleged debt. I received a print out of an account summary from XXXX XXXX XXXX  and without any of the other information requested from my debt validation letter. Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with FirstSource Advantage LLC. Please send bonding agent for FirstSource Advantage LLC. in case if legal action  becomes necessary.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Cease and Desist, Notice to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, North Carolina [ XXXX ] XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX To Whom it May Concern : I received a reply to my conditional acceptance dated XX/XX/XXXX and in my request I had a total of XXXX items that I requested, in order to verify the debt and to provide me with the complete disclosure of the accounting and how you came about my account details. You failed to send me any of the information I requested, and I have also attached the original notice in case you may not have understood the request. What you did send me was a monthly billing statement from XXXX who is supposed to be the creditor for the account ending in XXXX. The document shows the closing date of XX/XX/XXXX. This document is XXXX years old and doesnt disclose proof of an actual security agreement with Surge, LVNV Funding LLC or with your company Resurgent Capital Services . 

Your cover letter has your name on the top right header but in the description of account box it shows the original creditor as XXXX Bank, the current owner as LVNV Funding LLC, and again the monthly statement from XXXX. At this point I am confused with all the different companies involved and you have failed to provide substantive information that validates that I am responsible for a debt to YOU. I have also attached the notice dated XX/XX/XXXX that was sent to me stating LVNV Funding LLC wasnt servicing the account any longer as of XX/XX/XXXX. 

You have sent me a billing statement showing XXXX as the creditor and that document is from XXXX. This doesnt validate that I have a debt with your organization. I have no knowledge of a contract with you, and I have no obligation to a servicer or a debt collector who has purchased the debt. You are not a party of interest, holding a security agreement and you can not rightfully enforce your financial claim under U.C.C. - ARTICLE 3 3-301. Under 15 U.S.C. CHAPTER 41, SUBCHAPTER V 1692 ( g ) ( part b ). You are hereby given notice and blatant disregard for this law is subject to fines by the Federal Trade Commission ( FTC ). Since you have failed to prove validity, you are required by the Fair Debt Collections Practices Act ( FDCPA ), to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. I want this removed from my credit report/file and for you to cease and desist harassing me, you have a legal responsibility. I have also uploaded this and your correspondence with the CFPB. 


Thank you, XXXX XXXX Without Recourse
Consumer complaint received 2020-04-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (TX)

I requested for account to be closed on XX/XX/2024 through customer service. The agent confirmed the account had a XXXX balance and would be closed. On XX/XX/2024 I was charged a monthly fee and the account was not closed. I requested through customer service on XX/XX/XXXX that the fee be refunded and account closed and agent lied and said they show no request of it even though I called their customer service number.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (GA)

I received notice in XX/XX/XXXX that my mortgage would be transferred or sold from CitiMortgage to XXXX XXXX. I told my wife that I wanted to just go ahead and pay the thing off to avoid any mix-ups or hassles related to the transfer. We only had about 8 payments left on a 15 year. We utilized their online payment system and paid it off in XXXX increments with the last amount showing XXXX. We tried to pay the XXXX but could only pay XXXX so it left one cent remaining. I assumed they would deduct this penny plus whatever made up fees they claimed from our {$1200.00} they owed us from escrow. I also received a notice of Our records indicated your mortgage has been paid in full. Please be aware you are responsible for all property taxes and insurance. Thank you for your business! when I logged on to make sure that things were done. I thought cool, they will now mail me the escrow balance check. 

My understanding is they have 30 days to settle the escrow. They then went forward with transferring the mortgage to XXXX XXXX and I have now received a letter stating Our records indicate that as of today, XX/XX/XXXX, your monthly mortgage installment which was due onXX/XX/XXXX, in the amount of {$2100.00} has not been received. I first called XXXX XXXX and they stated that they did show a balance but did not understand why I received the letter. The advisor also stated that my credit would not be marked for 60 days because it was a mortgage transfer and they would look into it. It was also my understanding that my load was not going to transfer to the new provider until the end of XX/XX/XXXX. I called CitiMortgage and spoke to a supervisor on XX/XX/XXXX and was told I could not pay off my mortgage using the online method and I had to request a payoff and that is why the load was transferred. 

I feel that Im being bullied and will likely have to pay a late fee of {$96.00} because I owe XXXX cent on the mortgage and it was late even though they have {$1200.00} of my money that they were obligated under the Real Estate Settlement Procedures Act to return to me within 30 days. 

Please help with this time wasting madness. 

Thank You Very Much.
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (IN)

I am still in the process of dealing with original hospital and the drs company is now handled by a new company. I have insurance that pays 100 % and they did not cover the dr for some reason. So I filled financial assistance, It was approved. I mailed to the drs office forever ago. I never heard back. I assumed it was taken care of. Then Went to get a loan. She said I had a medicle bill that was on there with XXXX. I was like what is that. So I googled. I called XX/XX/XXXX. Since then 8 calls in 2 days, I called first just to see what it was. I have a life. I am not able to drive to the hospital and figure out what to do at this time. I called left voicemails. I am trying to get the thing saying I was approved! I am unable to pay it. I really wont get the money within 2 hours of each call. It might take me a year to save the money. I have a lot going on at this time. I am unemployed right now. My son passed away in 2017. I am not doing so well. So in debt all over. Its a disaster. I get calls after I explained to one person. Then if I am driving and someone answers they demand to talk to me. So driving on XXXX looking for an exit was fun. She remembered I was supposed to call her back and got off the phone after I yelled at her. Then calls keep coming in. Ive asked them not to call me. I am over it. I cant pull money out of thin air. What money I do have will be going to my sons headstone! My credit is the least of my worries! They are heartless and dont even say sorry for your loss and have no compassion!!!
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXXXXXX. Account # : XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

For over a week I have been trying to sign up for the Equifax Trusted ID service to freeze my credit report with Equifax due to the recent security breach. I was able to successfully freeze my credit report with the other two agencies in under an hour with minimal effort, but with Equifax I have been met with nothing but a wall of miss-information and unhelpful representatives. The e-mail that Equifax said they were supposed to send to complete the enrollment process has never arrived after more than a week. When I call I am told someone will call me back in 24-48 hours, but they never do. When I called today ( 3 separate occassions ), I was told by a call center representative that the e-mail may never come and I should stop trying. When I asked to speak to a supervisor, I was told they dont have any supervisors, just people working the phones giving out other phone numbers to call that are non-operational numbers. One of the numbers begin given out is XXXX. What is most frustrating is all the advice we keep hearing from so called 'credit experts ' that keep saying, sign up for the free Equifax service and lock your credit report. Obviously they do not have the same issue that many others are having. Would appreciate your agency investigating Equifax and their ability to handle credit freezes and the services they are advertising. Someone at Equifax needs to be held accountable and our elected officials should investigate the company.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (TX)

I have been receiving continuos calls from the debt collector every day Monday through Friday for at least the last month If not longer. They have even left numerous voice mails. I initially talked to them and agreed that I will not take action on the bill until I see proof of the bill and a break down actual of amounts owed. My number is currently registered on the do not call list and I continuously receive calls.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Segan, Mason & Mason, P.C. (VA)

We have been attempting to pay our monthly condominium fees XXXX to XXXX XXXX XXXX XXXX. The payments for 5 months keep being returned. We emailed the management company, and delivered a letter to the Board of Directors by certified mail, and have been ignored by them ( a direct violation of the Ethics Code for being a Board member and fiduciary duty ). 

We finally sent emails to the officers of the management company, and received a reply from the president, XXXX XXXX. He informed us that our payments were being returned because we had been placed " in Collections '', and our payments had to be made to the association 's Attorney. The association Attorney, under VA 's Civil Code, is required to inform us, in writing, by certified mail, that we have been placed in Collections. We have not had any response or communication with the management company office since XX/XX/2020 despite emailed requests for information ; and we have received no information from either the Board or the Attorney, by email or letter, let alone a certified letter. 

We have continued to make our payments by XXXX -- several times a month -- but they continue to be returned. Our condo unit will need to be sold as part of an agreement for the VA loan program for our current domicile. We think the Board and the Attorney are attempting to falsely foreclose on the condo unit, or to hold it hostage for fraudulent collection charges. 

This is not the first time the Board or the Attorney have acted in an underhanded manner with unit owners. We can not do anything and can not verify anything. We can provide receipts of our payments showing we are current in payments -- if they would be applied when received and not returned to us. If we were put in collections some documents need to exist -- including a proof of certified mail received by us. We can not obtain proof of anything : not when this collection started, nor for what amount, nor proof of certified mail sent to us. We do not know what we should pay and to what address. 

We asked disclosure of our financial situation for our account repeatedly, by certified mail and emails and we have not received it. We have the receipt of our certified mail sent to the Board, and emails to prove our efforts. We are kept in the dark and, despite our payments, our account is unpaid now for as much as 5 months. And, apparently, we are in " Collections ''.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OLD NATIONAL BANCORP (IL)

I have a XXXX  credit card through Old National Bank ( formely FIrst midwest bank ) Late last year they switched credit cards from XXXX to XXXX XXXX. All was fine in XXXX. Last month I got three credit card statements for the two different cards. When I called to make a payment they said I didn't owe anything but I do. I have carried and paid on the XXXX balance for months. After hours on the phone with credit card company I went to my bank and they said they couldn't help me because they are not the issuing bank. They tried to rectify the problem with the issuing bank and couldn't. Finally found a way to make the payment and did so. 

This month I am thinking all is okay had the the account set up on XXXX XXXX XXXX XXXX. Try to pay the account and I keep getting the message that I don't owe anything and I know I do because I was paying minimum plus. After 3 days of trying to make this happen I go to the bank today till well after closing and they can get any information on this account. In fact the bank that issued it can't even find it. They wouldn't even tell me who the issuing bank is. 

I don't know what to do. It won't take my payment yet I have a bill in front of me that says how much I owe. And can't send a payment and it is do today XX/XX/XXXX XXXX