davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

My identity was stolen by someone and XXXX XXXXXXXX XXXX never contacted me to indicate that I owed a debt of any kind. I looked on my credit report and noticed a fraudulent account. I took the necessary steps but XXXX XXXX XXXX took the debt and they gave me the run around for an Affidavit which NEVER came to my house. They never indicated to me that they XXXX XXXX XXXX was very negligent in getting this issue resolved and they're using another party to collect this debt I do not owe. Thankfully, XXXXXXXX XXXX XXXXXXXX have sent the Affidavit and I am going through a painful process of getting this resolved.
Consumer complaint received 2018-07-16
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: JPMORGAN CHASE & CO. (CA)

Fraud occurred on my Chase credit card on XX/XX/2018 at the XXXX XXXX XXXX in XXXX XXXX XXXX, Florida for {$250.00}. The SAME DAY and the days before and after the charge, all my charges ( there were many! ) showed that I was in XXXX XXXX and the XXXX California area at the time ( where I live! ), more than 3k miles away!!!! I have never been to XXXX XXXX XXXX or the XXXX area in my entire life! could never have been at this spa. The spa doesn't even appear to be open : XXXX XXXX XXXX  Please help me get reimbursed for this charge. I reported it immediately to Chase and even got a new card when I reported the fraud so no more fraudulent charges could be made. And despite continuing to dispute the charge, Chase is still making me pay for the fraudulent charge. I have even filed a police report. What else can I do?
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (NJ)

XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RateGenius Loan Services Inc (FL)

Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

I have for two months had issues with XXXX XXXX  XXXX ... I have been approved for a 403b refinance so I can get a new roof post hurrican Irma. The new lender XXXX XXXX XXXX needs a letter from Loancare, just simply stating I was in a disaster forbarence from XX/XX/XXXX to XX/XX/XXXX, and prior to this had no late payments. ( Which is exactly what my records for them show ). I have spoke to 50 people, tons of supervisors, and I can't even explain the stress.. the last call someone told me that it would be illegal for the to give me this email ... everyone says they can't do anything, no supervisor will return my calls ... I just need this one XXXX thing, so I can refi, and pay for my roof! Please help
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NJ)

I had an XXXX System installed by an authorized Carrier installer that offered 36 Months zero percent financing through Wells Fargo. When I enrolled I was told that if I pay down my balance the monthly amount would change based on the balance and remainder of time. about my 3rd payment I payed down more that half my balance but the monthly charge stayed the same. I contacted Wells Fargo and they stated the they do not change the monthly payment. They stated this is NOT a credit card but my statement says the credit card. And they sent me an actual credit card. This is deceptive and wrong! 

I would like to get a copy of my recorded phone conversation and the inception of this account.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I have been asking FedLoan Servicing for a recount of my number of qualifying payments for the XXXX XXXX XXXX XXXX XXXX program since XXXX. I call or email about once every other month requesting the recount. I've kept a record of all of these phone calls for the last year. And, I've also kept sent receipts for all of the email I've sent on the subject. Every time I call or email, XXXX responds that they will do a recount. But it's been over two years now, and I'm concerned the information will become more difficult to track as time goes on. 

When I have talked with a manager at XXXX XXXX in XXXX of XXXX, he did agree that the number was definitely wrong, and we agreed on the correct number. But the change was never made to my account.
Consumer complaint received 2018-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Dear Equifax Executive : With all do respect, I tried to use your website in its online dispute section but it appeared clearly you restricted my access to it, because I tried every day or days to use it and there is no valid reason to deny my right to use that public service offered to others ( I put exactly my basic information, address, ssn, dob, email and phone ), the other alternative is every time I call your Equifax representatives either need more training or they alter and manipulate my dispute argument of the only negative item on my Equifax credit report ( collection ) ( I never been late on any payment for any business I deal or dealt with and thats including XXXX And I challenge XXXX and Equifax to prove I canceled the auto payment to that referenced XXXX account on the above collection ( please find name of collection and other details in some of the files attached ). 

Also if XXXX was convinced I was right when my ligitimate Request from XXXX to prove I canceled the auto payment to the account referenced in that above collection, made XXXX face the truth its unexplained targeting of my person despite I didnt cancel auto payment they have from my XXXX XXXX credit card ( ending In XXXX as you can see in some of the attached file ) information for the auto payement to that account in the collection. That credit card still open never changed its number and always has couple thousands available. 

The issue with Equifax is to address This unexplained wrongful investigation of my dispute that causes continues adverse action against my person and that is for no benefit to anyone. I am suffering from your Equifax dispute intake staff. So far two requested same dispute to why you should delete that collection like XXXX did and as you can see in attached files.

Please stop my struggle for keeping my clean financial records as always it has been. Im I asking Equifax too much?

the calls to equifax were recorded and I have a privileged recording of it too as Equifax has and it should listen to it when I called Equifax and itS intake Representatives each time struggling to type my very important dispute argument or pretending they cant hear or other unethical manners. They keep stating things I didnt say and that make XXXX easily show the argument dont stand. Please be ethical. 



Thank you,
Consumer complaint received 2018-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! 
Sincerely, XXXX XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. 

Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. 

Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MI)

This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming. 

The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX   and XXXX XXXX. 


Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist. 
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!! 

This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX I went to check my credit summary on XXXX XXXX. Their was an alert on there at which point I went to check out. It seems that a new account was opened at XXXX XXXX XXXX in XXXX OH on XX/XX/2018. It was for a total of {$130.00}. I immediately went and sent the bank a registered letter that I did through XXXX XXXX. This was mailed on XX/XX/XXXX and I haven't heard one thing back.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions Specialist, Inc. (TX)

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

At the end of the my lease, there existed over mileage and minor damages to the vehicle. I was in contact with XXXX XXXX in an effort to settle the over mileage and also the damage. I was consistently told by Huyndai that there was no option for a payment plan available to me to cover these excess charges. My only option was that I had to wait until the account was sent to collection in order to make payment arrangements for these charges. I offered to make payments to Hyundai and they refused to accept them unless it was the full amount. I explained that I was not in a position to pay the full amount at that time, but would be able to pay it in full over the course of a period of time. Hyundai said to wait and deal with the collection agency. I waited until I received the information from XXXX XXXX, XXXX, they acting as debt collector for XXXX XXXX XXXX company and at the direction of Huyndai made payment arrangements with me. During all of my conversations with both Hyundai and XXXX XXXX, I repeatedly asked and was told that excess mileage would not be held against me on my credit report. All Lease payments were paid on time and in full. As of today, my credit report has been damaged, My father who was a co-signor on the lease has received a Release of Debt from XXXX on behalf of XXXX XXXX XXXX See attachment. He received this document after filing his complaint with the CFPB and the information was removed from his credit report. XXXX XXXX, XXXX, should also have sent the same information to me as I was a co-signor/borrower. The payments were paid as outlined by the Collection Agency for the over mileage and excess wear and tear. See attached comments from XXXX outlining all of the dates and payments made. Again I was told this would not appear on my credit report. Hyundai should be correcting my account as their agenct, XXXX XXXX XXXX told me that since this was for excess mileage and damage it would not be reported. If Hyundai had offer any type of payment option at the end of lease for over mileage or excess damage I would have made the payments directly to them. I would ask that my credit report be corrected and all delinquencies from XX/XX/17, XX/XX/17 ; XX/XX/17 ; and XX/XX/17 be removed from all three of the repositories listed under XXXX XXXX XXXX. I would also request that I receive a Release of Debt correspondence from XXXX Collection on behalf of XXXX XXXX XXXX and also a Release of Debt from XXXX XXXX XXXX as all payments have been paid.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MA)

I am a parent borrower ( my daughter was a student ) and I borrowed {$41000.00} in total paid {$18000.00} so that left {$23000.00} unpaid. I am willing to pay base on my income I tried to apply for lower monthly payment with XXXX XXXX XXXX. They told me to consolidate the loan that in order I am able to lower payment. I thought that was I had been seeking and I applied for that option. Then they received email from XXXX ( XXXX XXXX XXXX ) for consolidation and I replied back right after regarding withdrawing the application due to missunstood because of the principal balance go higher that I did not know. The XXXX rejected my request of withdraw the application. I do not think it is right because borrower has right to cancel the application. 
I keep paying what I owe XXXX as much as I can but I never agree with the term of loan I have addressed this to XXXX but they ignore. I am seeking for help to solve this issue I hope CFPB may help. 

Thank you for your help in advance. 

XXXX XXXX my last SS # XXXX resident of XXXX XXXX XXXX, XXXX, Ma XXXX email XXXX XXXX
Consumer complaint received 2018-09-24
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. (TX)

On XX/XX/XXXX I sent Equifax a method of verifcation letter after receiving a generic response to a dipsute I submitted. Per the FCRA the company has 15 days to respond, it has been almost a month and I have yet to receive a method of verifcation from Equifax. I have attached a copy of the letter and read receipt.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TN)

I bought a pair of earrings which were never delivered, I called and filed a dispute, they said it would be resolved, never resolved, they billed me for it and charged my bank account for it, still 2 months later no resolution and no response.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

I received numerous calls from XXXX XXXX XXXX. They are claiming that I owe money. I returned their call, and ask them 1. Who are you- 2. Who do you want to talk to. I received no response to my questions, but they just keep on calling. Also I said that if I owe money send me a letter and I will pay it-if I owe anything. Again no response. I am XXXX years old with a XXXX XXXX- and would like for them to tell me something or stop calling me.. If we are a nation of laws - then this abuse of their power must be stopped.. XXXX XXXX disconnected me- after they failed to justify why they were calling me..
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this  account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.