davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resolute Credit, LLC (CT)

I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: American Coradius International LLC (MA)

Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Bronstein & Weiss Arbitration (FL)

a few people over the last month have called me repeatedly at work and on my cell phone claiming to be attorneys from Brownstein & Weiss Arbitration. 
I asked them to send me something in writing regarding the debt they claim I owe. 
After several requests I did finally get a vague letter on XXXX XXXX. 
I immediately drafted a responce to the letter to Cease and Desist and that I have no record of said debt and if they had futher documentation to please mail it to me. 
I did not hear anything from them for a few days and then they called and left a message indicating they were going to service me XXXX days later. I emailed a repsone to the same emailed letter indicating I have certified my dispute letter to them. I had not heard anything from them since my email on XXXX XXXX until today. 
So far today they have called me at work XXXX times. The woman was very rude and nasty and told me I have XXXX warrants for my arrest for charges. When I asked what this is regarding she began screaming in the phone I told her to stop calling me and if they feel I owe money to please mail me proof to the XXXX XXXX provided them. They then proceeded to call my cell phone XXXX times in a row. 
They have now also called a co-worker and told that personI have XXXX warrants out for my arrest and they will be picking me up if I do not call them and resolve the debt today. 
This is absurd and is way out of hand. 
I always pay my bills on time if not early. I have no records of the debt they are claiming I owe and have simply requested proof and for them to stop calling my work and cell phone. 
Please help
Consumer complaint received 2015-07-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.
Consumer complaint received 2015-09-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (MO)

I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.
Consumer complaint received 2016-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My ex-mother-in-law ( now deceased several years ) had her identity stolen a decade ago and had a number of debts run up on her credit. These bottom-feeding debt collection agencies buy the debt for pennies on the dollar and then harass anyone remotely connected with the " debtor. '' My Ex-MIL never lived here. My phone was never connected with the debt -- in fact my Ex-MIL never even knew this number. Another bottom feeder ( XXXX Bank ) found that this number is associated with a house that my Ex-MIL used to own ( I bought it from them fifteen years ago ) and began to call trying to contact my deceased Ex-MIL here. 

After a year of complaints to the FTC and you folks, they finally were forced to stop harassing me. 

They stopped and then ( I imagine ) sold my number ( and presumably the " debt '' ) to Portfolio Recover Associates in XXXX, AL who have now continued the harassment. 

A juicy fine would shock their tentacles back. How about it?
Consumer complaint received 2016-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Solutions, LLC (CA)

They called my cell phone and left a message and then went as far to call my place of employment and ask for the Human Resources department. This is an embarassment to me at my place of work for three years over something I dont even know of. Possibly debts that were from my XXXX. I am XXXX.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: United Student Aid (USA) Funds (CT)

I have had a dispute with XXXX over this since 1994. I completed an " Application and Promissory Note '' for a Consolidation Loan from XXXX XXXX XXXX XXXX, because I was led to believe by a Collector that I might benefit from the program. When I received the Disclosure Statement, some five months later, it was clear that the higher interest rate and capitalization of the penalties was not to my benefit. Therefore, I did not accept the terms of this loan contract, nor sign any agreement, nor make any voluntary payments. Clearly, there was no " meeting of the minds between two parties '' as required by contract law. The loan subsequently defaulted and was guaranteed by USA Funds. It defaulted again and was then guaranteed by XXXX. Since then, XXXX has steadfastly refused to provide me with due process to resolve this issue. Their contract collectors have committed violations of the Fair Debt Collection Practices Act. Both XXXX and their contractors continue to assert that this is an enforceable contract even though I never agreed to any specific terms. The simple question is this- do student loan agreements fall outside of the accepted principals of contract law? Namely, that the terms must be clearly stated, that there must be offer and acceptance, and a " meeting of the minds '' must be demonstrated in order for any contract to be enforceable. Are student lenders immune from these basic principals, as XXXX asserts? Has XXXX deprived student borrowers of their basic rights under contract law, in order to protect lenders? I have attached the ambiguous " Application and Promissory Note '' which states no specific terms, nor does it clearly state the names of the parties entering in the agreement. I have also attached the " Repayment Addendum and Disclosure Statement '' which does state the terms, and which I never accepted. I had rehabilitated my student loan in 1994 when, while checking my options, XXXX XXXX XXXX XXXX voluntarily satisfied my debt without my permission. When I refused to accept their fraud, USA Funds then filed a fraudulent default claim with XXXX. XXXX has been harassing me since 1994. XXXX should be looking to recover the funds from XXXX and/or USA Funds. The simple question I have is this- are student loan banks immune from the basic principles of contract law? How do I get this XXXX?
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (SC)

I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Consumer complaint received 2015-07-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a Ch. XXXX Bankruptcy in XXXX California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid CHASE accounts in full. 

XXXX - CHASE reports XXXX " Derogatory '' accounts. 
The first account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 
The second account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and " Potentially Negative Closed ''. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report " Status : Payment Plan '' and in " Remarks Chapter XXXX ; wage earner plan account ''. This account should also be reported as closed. 

I have disputed the incorrect information XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to CHASE and ECAST Settlement Corporation, the address listed with the Bankruptcy Court. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes twice in XXXX month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.
Consumer complaint received 2016-01-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AK)

Caliber Home Loans failed to pay our annual property taxes for XXXX but all year have been dispersing funds from our escrow account. We received a deliquent tax notice with threats of foreclosure. I provided this information to the Caliber Tax Department via phone and fax on XXXX/XXXX/XXXX. Spoke to supervisor XXXX XXXX who promised to resolve immediately and call me back to update me on the status on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX, I have left 3 message with Supervisor XXXX XXXX with no return phone calls and the Tax Department customer service representatives claim they will have someone call me back but no communication. Currently our escrow account shows that funds have been paid out and the Mortgage Company can not account for nearly {$6000.00} worth of our money paid into the Escrow account but the money is now no longer there but our taxes were not paid.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. 

In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. 

First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership.