davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

Received a letter from : Professional Credit Service XXXX : XXXX XXXX XXXX Claimed that they are collecting on behalf of Oregon Department Of Revenue. 
Amt = {$140.00} When I called them - the amount was = {$1600.00} I asked for tax information and more information on the debt. 
The agent XXXX request that I write in to their company - they can then get approval from Oregon Department of XXXX to release to me. 

They asked for my last XXXX digits and I regretted providing. 
Because when they tried to verify my home number - the number they have on file was wrong. 

Please help me check if they are legit? 
I'm requesting for debt information : Tax letters so that I can verify they are collecting on behalf of the XXXX department. 
I need proof that I owe Oregon Department of XXXX money
Consumer complaint received 2016-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (LA)

I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (CT)

I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delray Capital, LLC (CA)

This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-05-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TN)

I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

When I checked my report on Equifax I noticed that there were XXXX delinquent medical bills that were bought by a debt collection agency. I immediately disputed all XXXX of them pointing out the fact that it clearly says that the original owner of this debt was XXXX which stands for XXXX XXXXXXXX University XXXX XXXX proving that these XXXX delinquencies are actually medical bills and that under the consumer protection act, they can not be reported on my credit report negatively impacting my credit score. Equifax investigated it and said that they found that the company reported the delinquencies correctly and there will be no changes made to my report. Unless the law has changed, then they are completely in the wrong here and should immediately remove all XXXX medical bills from my credit file!!
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MS)

XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (WA)

I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CMI Group, Inc. (FL)

I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.
Consumer complaint received 2016-08-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (FL)

I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE (GA)

XX/XX/XXXX, I did a loan modification and it has been a nightmare every since. After the modification, the escrow account was not properly funded. They tried to increase my payment to XXXX per month when I am only supposed to pay XXXX. I have been trying to get this resolved since XX/XX/XXXX. The loss mitigation department, identified the issue, stated the issue was on the end of the money source and they would get it fixed. To date it has not been fixed and now they are reporting me late to all credit bureaus.
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.
Consumer complaint received 2016-05-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GMFS, LLC (TN)

Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
XXXX
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MO)

I 've had my Citi Thankyou card since 1996. Never had any problems until this year. I was 2 days late making the payment to completely pay off my balance in XXXX. I knew I would be charged interest on my next statement. I paid the complete balance in XXXX. However, when I received my statement for XXXX, there was another interest charge of {$240.00}, so I called customer service. They said they could n't help me, but would have a supervisor contact me. I missed the call when the supervior called back and she left a message saying that I should call the number on the back of my card. I have called 4 more times and each time I get the same response, that they will have a supervisor contact me. To date, I have n't received a return call from the supervisor. It 's very frustrating to received no response at all.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

I had a fraudulent charge on my bloomingdales credit card XX/XX/XXXX. It took them until XXXX XXXX to resolve the charge. Throughout the investigation process I was getting late payments marked on my credit report as well as a charge off. They keep telling me it 's cleared on their end and my credit report should be updated, but it has not. I even have a letter from them confirming that everything was resolved. This is causing me financial harm as I am trying to get a mortgage. My credit score was above XXXX and now it 's around XXXX. Every single time I call them I get a different answer. One has told me it 's all cleared and it should update on my credit report. The next person will tell me they are waiting to get the account back from a collection agency so they can remove the charge off.
Consumer complaint received 2015-03-26
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (PA)

Hi, on XX/XX/XXXX, I purchase new windows including their installations from my local XXXX in XXXX, pa ; the purchased amount was {$7900.00}. 
I choose to take advantage of the free XXXX months credit that was offered at this time ; I therefore used my Home Depot Credit card to make the purchase. The Home Depot credit card is affiliated to Citi Cards to manage credit and payments. I had built in automatic monthly payments to repay the loan. 
The XXXX months credit expired in XX/XX/XXXX ; unfortunately because I am travelling extensively and I am not as alert as a younger person would be, I let pass the XXXX months free credit period. 
When I looked more precisely at my XX/XX/XXXX statement, I was astonished to see a balance of {$9500.00}, i.e. despite XXXX months ( free credit period ) plus XXXX months XXXX XX/XX/XXXX to XX/XX/XXXX ) of monthly repayments, my balance was {$9500.00}, i.e. almost XXXX % higher than my original purchase. THIS MADE NO SENSE TO ME!! And I called immediately Home Depot/Citi Card customer service and they explained to me that when the free credit period expires not only do they start charging interest BUT do it retroactively from the date of the purchase. I told them I would accept paying interest charges from the end of the free credit period and as a show of good faith and I immediately paid {$6000.00} which I estimated would be approximately the balance from the end of the free credit period plus interests less my continuous monthly repayments. 
I send them a registered letter asking them for leniency and understanding and asked my bank to stop paying the new coming charges ; they responded by asking to call them which I did on XX/XX/XXXX. Their position had not changed and they were completely inflexible, THE BOTTOM LINE AND THE LEARNING : THE FREE CREDIT PERIOD ( IN THIS CASE 18 MONTHS ) IS NOT A FREE CREDIT PERIOD IF THERE IS STILL A BALANCE AT THE END OF THE PERIOD AND THEY CHARGE RETROACTIVELY INTEREST FROM THE START, IE THE PURCHASE DATE. 
IT IS A SMART BUT DEVIOUS, ABUSIVE AND HIGHLY UNETHICAL WAY TO TRICK PEOPLE INTO WHAT THEY BELIEVE IS FREE CREDIT AS XXXX PEOPLE LIKE ME AND I AM SURE MANY OTHERS GET CAUGHT, FORGETTING THE XXXX MONTHS DEADLINE AND OVERLOOOKING THEIR STATEMENTS AND FINDING OUT THAY ARE PAYING INTEREST FROM DAY ONE. 
THIS IS A HIGHLY DISHONNEST " CORPORATE '' WAY OF ATTRACTING CUSTOMERS INTO A POTENTIALLY VERY COSTLY ADVENTURE. 
I WOULD LIKE YOU TO PLEASE 1/ - GIVE THE LARGEST VISIBILITY TO THIS SITUATION WHICH I AM SURE IS FAR FROM BEING UNIQUE AND 2/ BE KIND ENOUGH IF YOU CAN TO NEGOTIATE ON MY BEHALF WITH HOME DEPOT/CITI CARD A REASONABLE SETTLEMENT. 
THIS WILL BE BENEFICIAL I AM SURE TO MANY PEOPLE.