davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Our father XXXX XXXX XXXX passed away on XX/XX/XXXX. 
Our mother XXXX XXXX XXXX passed away on XX/XX/XXXX. 
My brother XXXX XXXX XXXX, who is residing at our parents home with his wife and family, received a letter dated XX/XX/XXXX from a company SLS ( Specialized Loan Servicing out of Colorado ) addressed to our deceased father XXXX XXXX XXXX. 

This letter was informing our father that unless he repaid a Home Equity Loan taken out around XXXX, and that our parents missed their payment for XX/XX/XXXX, that they would begin foreclosure proceedings ( SLS LOAN XXXX ). 

Our father who was a XXXX veteran had to file Bankruptcy on XX/XX/XXXX due to mounting medical bills from him XXXX  XXXX  XXXX   XXXX XXXX XXXX from a XXXX  XXXX XXXX. 

Our fathers Bankruptcy was XXXX in XXXX XXXX on XXXX/XXXX/XXXX under case XXXX. Our father thought that all his debts, other than the Original Mortgage, and his vehicle loan, were discharged in the bankruptcy, including this Home Equity Loan. 

My brother and his wife attempted to contact SLS in regards to this matter. SLS would not speak to my brother or his wife as they did not have AUTHORIZATION from our deceased parents. 

I filled out a complaint with the XXXX XXXX XXXX regarding this issue with SLS on XX/XX/XXXX. 

On XX/XX/XXXX SLS sent a second letter to our deceased father wanting both our deceased parents signature authorizing SLS to speak to me ( XXXX XXXX ) as I am the EXECUTOR OF THEIR ESTATE. How can 2 deceased people sign an authorization. 

On XX/XX/XXXX I sent SLS a signed 3rd Party Authorization to talk with me regarding my parents case. 

I had also in the mean time contacted the Illinois Attorney Generals Office, along with a Private Attorney, XXXX XXXX, from XXXX XXXX, IL. 
The Attorney General advised recently that SLS refuses to contact their office reference our parents case. The Attorney has sent letters, signed 3rd Party Authorizations to SLS, only to be ignored. 

I would like this Home Equity Loan be CLOSED out by this company SLS as they refuse to talk to us, they refuse to send our attorney any documentation of the Home Equity Loan. 

This makes me believe that my parents never signed any paperwork for this loan. 

This H.E.L shows up on the deed to our parents home as being originally through XXXX XXXX XXXX. 

This company was known to have committed Civil Mortgage Fraud and was taken over by XXXX  XXXX XXXX in XXXX. 

This company is a disgrace to the lenders that make legitimate loans. 

I have the documentation and our parents Death Certificates if needed.
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stallings Financial Group, Inc. (GA)

Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.
Consumer complaint received 2020-01-24
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. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: ENCORE CAPITAL GROUP INC. (GA)

A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (TX)

I was victim of a crypto scam on Robinhood and they froze my assets for safety. It has been more than a week now and the only information they are able to provide is that they are investigating the issue. I need to access my funds because I work with them and I am loosing money as I speak. Their customer service seems not to care and keep repeating me that they are working on it
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I am writing again to formally dispute the inaccuracy on my account, which has been reported to credit agencies under my name. Despite my previous letters and attempts to resolve this issue, my account remains uncorrected.The address listed in your records is incorrect, and I did not authorize or sign any agreement with your company. I have contacted you multiple times to have this inaccuracy removed from my credit report, yet no corrective action has been taken.Under consumer protection laws, I request that you immediately
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022, I was charged {$140.00} for a subscription that I did not authorize. The company claimed I had agreed to the renewal in advance but, at the time of initial purchase, I made sure auto-renewal was not enabled. I do this with every service related to my business. 

Similar to my other filed complaint ( XXXX ), I have had to repeatedly dispute this transaction with Apple Card . This issue, in addition to the other complaint, is what led me to cancel my card with Goldman Sachs and Apple. 

Per their request, I provided detailed communication to Apple Card about how I was charged without my authorization. I provided written communication and screenshots of my current account type with XXXX ( I have the " free '' version ) to Apple 's dispute department. 

For whatever reason, Apple Card continued to tell me that their dispute resolution team found that I was still liable for an annual subscription that I did not authorize. To date, I still have the " free '' version of the service and have not used the service at any point that I was charged. 

Apple auto-drafted a portion of the {$140.00} as payment after denying my dispute for the XXXX time. 

In XXXX, I had a credit of {$94.00}. In XXXX, when they reversed the charges again my balance went from $ XXXX to owing {$57.00}.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (GA)

EXETER FIN has two charge off accounts listed on my credit reports. One charge off in the amount of {$15000.00} stated Date opened XX/XX/XXXX. The other charge off in the amount of {$7600.00} stated Date opened XX/XX/XXXX. I sent the company two Validation Letters XX/XX/XXXX, but I never received any response. I sent one to XXXX. XXXX   XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I was given no evidence of my obligation to pay this dept that is not mine. The Fair Credit Reporting Act requires the collection agency to verify the validity within 30 days. 
EXETER FIN has not followed the laws of the FCRA when they did not respond to my Validation letters sent in XX/XX/XXXX. If the validity can not be verified, they are obligated by Law to remove the debt from my credit file.
Consumer complaint received 2020-01-24
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. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX a debit transaction attempted to clear my account. It was not an ACH or A Check but a debit transaction. This transaction was denied and I was charge a {$32.00} fee by XXXX. This merchant attempted to charge my card again on XX/XX/2020 and again XXXX charged be {$32.00} for this attempted debit transaction. I made it very clear to the XXXX customer service rep that I don't have overdraft coverage and I opted out of this coverage with one of their customer service representatives by phone to mitigate fees like this. It outrageous to assume that banks would try to charge someone a fee for an attempted debit transaction. This is just greed.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America mailed to me a promotion of zero percent interest on balance transfers and purchases until XX/XX/2021. Along with the offer two checks were sent in which I filled out. 1 ) for {$970.00} to XXXX XXXX XXXX and another to XXXX XXXX for {$7900.00}. I looked at my account online today and discovered I am being charged 1.99 % interest on my purchase of {$7900.00} to XXXX XXXX until XX/XX/2021 and 0 % interest on my charge of {$770.00} to XXXX XXXX. I called to inquire and was told that the two checks had different promotional offers and that it was my fault for not filling the checks out correctly. I was told that this could not be resolved that I would just have to live with it. I was charged a total of {$260.00} for a 3 % transaction fee, which I knew I would get, and a {$8.00} interest fee that I did not agree to. I am so concerned that they may fraud me further that I closed my accounts and will be paying them off within the next few weeks, even if I have to sell a kidney. So far this has been a {$270.00} lesson.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AZ)

I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved. 

Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it. 

What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar? 

Attached are the two letters received from ERC. One is  dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (MI)

Complaint against NewRez dba Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation who on XX/XX/XXXX hired Specialized Loan Servicing, LLC to collect from me ; who authorized transfer of servicing and from whom this servicing was transferred. [ who was the prior servicer ] On XX/XX/XXXX I received AI-generated runaround telling me that Specialized Loan Servicing ( SLS ), was my prior mortgage servicer to whom SOMEONE - unknown to me- allegedly transferred " servicing '' to collect from me money for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

The letter " from Shellpoint/NewRez [ faux companies owned by XXXX XXXX XXXX  via its hedge fund XXXX XXXX ] failed to disclose who hired Specialized Loan Services , LLC and who authorized SLS to collect from me. 

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. On XX/XX/XXXX SLS sent me XXXX unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/XXXX. This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a wet-ink signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX : two charges appear on my capital one credit card statement -- both at XXXX XXXX on XXXX XXXX XXXX in XXXX, one for {$590.00} and another for {$270.00}. 
- I report fraud that same day, locking the credit card, and admitting to the capital one customer service representative that the card was perhaps not on my person, thinking that it may have been stolen. 
- later that day I find my card in my house and know that there is no way it was also present at the XXXX XXXX at XXXX XXXX ( I have never stepped foot in that store ). 

XX/XX/XXXX : both charges are refunded to my credit card account while capital one considers my fraud claim. 

I am issued a new credit card, get it in the mail XX/XX/XXXX, and am in possession of both the old ( canceled ) card and the new card. 

XX/XX/XXXX : both charges are once again charged to my account. 

XX/XX/XXXX : I notice the charges and call capital one to follow up. I am told in a roundabout way that my claim was denied because the chip was present at the store at the time of the transaction. Implying that either I myself made the transaction, or someone stole/borrowed my card and then returned it to my house in order to make the purchases. I lock the currently active card. 

XX/XX/XXXX : I attempt to call capital one again and sort this out. I am told there is nothing they can do and that I will be responsible for the charge. 

XX/XX/XXXX : I call XXXX XXXX customer service, am connected to the XXXX   XXXX XXXX location and am connected back to customer service after speaking to 4 different people. No one can give me transaction numbers or confirm that the card was present at time of purchase. No one can give me an itemized receipt, tell me what items were charged, or give me SKU numbers or any other information about the purchases. 
-- I also receive a letter XX/XX/XXXX from capital one stating that the fraud investigation revealed no evidence of fraud. I did not receive any other notification of this, only a letter ( attached ). 
-- I am now filing a complaint with FTC on this website and plan to report to local law enforcement tomorrow.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AR Resources, Inc. (SC)

I recently saw a company called AR RESOURCES INC., that obtained my XXXX credit report that I do not recognize on XX/XX/year>. They never contacted me prior to pulling my report. They did not have my permission to pull my report. I wish to see proof that they had a lawful reason for pulling my report. Credit report attached.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (MI)

Complaint against NewRez dba Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation who on XX/XX/XXXX hired Specialized Loan Servicing , LLC to collect from me ; who authorized transfer of servicing and from whom this servicing was transferred. [ who was the prior servicer ] On XX/XX/XXXX I received AI-generated runaround telling me that Specialized Loan Servicing ( SLS ), was my prior mortgage servicer to whom SOMEONE - unknown to me- allegedly transferred " servicing '' to collect from me money for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

The letter " from Shellpoint/NewRez [ faux companies owned by XXXX XXXX XXXXXXXX via its hedge fund XXXX XXXX ] failed to disclose who hired Specialized Loan Services , LLC and who authorized SLS to collect from me. 

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. On XX/XX/XXXX SLS sent me AI-generated unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/XXXX. This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a wet-ink signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CL Holdings LLC (CO)

I have sent a validation letter to XXXX XXXX to validate debt and provide me with agreement that I owe them the alleged collection. - This was over 40 days ago, and I have also enclosed the return receipt showing the signed for my letter. 
I have received no response, and Its still reporting on my credit report. 

ALSO they are in violation of the FDCPA : Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report.