davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, 2015 I faxed Chase and sent certified mail a " Qualified Written Request ''. On XXXX XXXX, 2015 I received a package from Chase that contained and account history that had XXXX items listed " NO XXXX '' even though I was being charged various amounts and Truth and Lending Statement that did not have my signature nor my husband signature on it. I called Chase on XXXX XXXX, 2015 and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to find out, what am I paying for under the items on my detailed account history listed as " NO XXXX '', why the Truth and Lending did not have our signatures on it and why Chase opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 which none of the above Representives could answer. During this time Chase kept reporting to XXXX which is against the law under Fair Debt Collection Practices Act and RESPA. I then sent them another " qualified written request '' on XXXX XXXX, 2015 certified mail. In XXXX I did receive several letters from Chase requesting more time and then on XXXX XXXX, 2015 I sent Chase a Letter of Denial for Extension under RESPA. On XXXX XXXX, 2015 I received a copy of my " qualified written response '' ( with no response just the copy of my letter ) and a copy of the written notes on my account. I can prove that Chase has fabricated half of the notes as I have all the actual recordings to these dates. Unfortunately your programs will not allow me to attach voice recordings but I will mail in the disc. Chase has written me that information on the origination of the loan, accounting and servicing fees, debits and credits, Mortgage and assignments, Attorneys fees, suspense and unapplied accounts, property inspection fees and servicing related questions are propriety or unavailable, and will not be provided. How can I pay Chase when they can not provide proof that they own my loan. Chase has also opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 and they can not tell me why. What they are doing is criminal under the fair debt collection practices act and RESPA. I know that the CFPB do not represent the consumer but they must be stopped. How many other people are they doing this too. Please make them accountable for the same laws that we have to follow and there punishment should be the same as ours the consumer.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have had a mortgage on the same house for over 25 years. I have never had a late payment. Green Tree is now saying I have had late payments and is trying to assess late fees despite proof to the contrary. I make my payments by phone each month. This past month their phone lines were down and I was unable to reach anyone for 3 days. The calls were cut off when trying to reach a live person. The prior month GT indicated my payment was received a day late despite phone records to prove otherwise. When attempting to make a payment on-line one is allowed only to pay the amount listed despite disputes to the contrary. Their employee 's are rude and incompetent. They have repeatedly lied about information they have received.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.
Consumer complaint received 2015-04-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (GA)

Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.
Consumer complaint received 2015-11-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: C/C Financial (MD)

COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX. 

Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P. (WA)

I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A collection company XXXX is reporting XXXX accounts under collection that are zombie debts. XXXX created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TRUSTMARK CORPORATION (FL)

XXXX Bank charged me {$10.00} plus interest at 19 % for an overdraft of {$0.00}. 
I have been with this bank from the 1950 's when it was XXXX XXXX XXXX For most of that time I have had an overdraft LOC. I have not used it in years. When I last used it, I was much poorer than I am now and was NEVER charged a fee for using it. 
Now they have instituted the fee without any notification that I can recall. 
It is not a lot of money but I think this fee is uncalled for. I have requested a refund and so far have been denied. I have told them that I will be closing this account if the fee is not cancelled and refunded. 
I guess these days one can not contest the 19 % but it does seem to be very high. People of limited means can be seriously affected by this fee and the interest rate. 
Whatever happened to service?
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Resource Systems, Inc (CA)

i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe
Consumer complaint received 2015-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (IL)

XX/XX/XXXX I had a medical procedure completed at XXXX XXXX in XXXX, IL ( part of XXXX and recently acquired by XXXX XXXX ). At the time I had the procedure done, I thought I had insurance. Since I had not received a bill from the hospital, I did not know there was anything still outstanding. 

In XX/XX/XXXX ( over 2 years later ), XXXX sent me a bill for the first time stating that XXXX XXXX XXXX XXXX ( XXXX ) had paid the bill, then took the money back on XX/XX/XXXX. 

I immediately called XXXX and filled a hardship application, which was approved for 100 % financial assistance on XX/XX/XXXX. 

I also filed a complaint with the Illinois Department of Insurance ( IDOI ) against XXXX. My claim against XXXX was reviewed, and they repaid the insurance portion on XX/XX/XXXX. 

I immediately contacted XXXX XXXX to inform them that my efforts had resulted in them recouping the {$4400.00} back from XXXX. XXXX XXXX acknowledged that they received the XXXX payment. 

On XX/XX/XXXX, XXXX XXXX issued me an invoice for the 20 % co-pay that XXXX did not cover {$240.00}, even though the entire amount of {$4700.00} had previously been written off. 

On XX/XX/XXXX, I received a collection notice from Nationwide Credit and Collections for the same {$240.00} - even though I have a written letter from XXXX XXXX stating that I owed nothing. The financial assistance letter states it is good for XXXX months, so clearly it is still in force. In addition, my account was sent to collections apparently the same day I was sent the invoice ; and I was never even given an opportunity to resolve the issue with XXXX XXXX before they sent my account to collections. 

Also on XX/XX/XXXX I attempted to contact a manager at XXXX XXXX / XXXX XXXX, because clearly there is a procedural problem with their billing department. When I called the billing number XXXX, I was told that I could not have that information. I have tried searching online for the information and there is no clear way to contact anyone at the executive level to bring this to their attention.
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC (PA)

The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.
Consumer complaint received 2024-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NJ)

My heloc has been bought and sold many times in the past 18 years. I havent made a payment in over 14 years. I live in NJ where the statue of limitation is 6 years. My lender has been harassing me with phone calls and notes on the door until I got an attorney. They are foreclosing on me now which I dont believe they have a right to do. My loan was recently transferred to Shellpoint Servicing which the communication has been aweful. Any help you can provide would be greatly appreciate.
Consumer complaint received 2015-11-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (TX)

Security Credit Services continues to report an illegally obtained/fraudulent account. 

The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

In regards to Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.