davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P. (TX)

On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION CREDIT REPORTING AGENCY HAS MADE AN ERROR IN REMOVING XXXX ACCOUNTS FROM MY TRANSUNION CREDIT FILE. THE FOLLOWING XXXX CREDIT ACCOUNTS : XXXX HAVE BEEN REMOVED WITHOUT AUTHORIZATION FROM CREDITOR. I HAVE VERIFIED WITH CREDITORS THAT ACCOUNTS ARE STILL ACTIVE AND BOTH HAVE A XXXX BALANCE WITH A XXXX CREDIT LIMIT THAT WERE BOTH OPENED IN XXXX OF 2012. THIS ACCOUNTS NEED TO BE FIXED AND ALL PAYMENT HISTORY AND ACCOUNT STATUS ON BOTH OF THESE ACCOUNTS NEED TO BE REPORTED BACK ONTO MY TRANSUNION CREDIT FILE. PER FCRA LAW, TRANSUNION IS REQUIRED TO PROVIDED ACCURATE CREDIT FILE INFORMATION.
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (PA)

I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

I LIVED IN AN AREA WHERE I COULD NOT RECEIVE A SIGNAL FROM XXXX SO I CALLED XXXX AND TOLD THEM. THEY TOLD ME TOUGH YOU SIGNED A TWO YEAR CONTRACT. SO I WENT TO ATT AND IT WORKED FINE -- I COULD N'T SEE PAYING FOR A SERVICE I COULD N'T USE
Consumer complaint received 2015-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. 
XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;
Consumer complaint received 2015-05-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Creekside Recovery And Capital Management (NC)

I received a call on XX/XX/XXXX from an unknown number the caller left a message stating I need to make myself available on XX/XX/XXXX between XXXX and XXXX ... So I can sign seal documents also have a witness available ... if I was n't available they would proceed to my job ... I was also prompted to call XXXX ... .creek side recovery ... it was a very unprofessional call as I spoke with the person who said I needed to pay XXXX on aXX/XX/XXXX debt ... he placed me on hold to supposedly be speaking with the company ... .came back and said the company would settle for XXXX .... Due XX/XX/XXXX ... Gave him card # ... To collect they were very very direct with me ... I feel threatened because not only do they have my number but my address also ... ..
Consumer complaint received 2015-05-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.
Consumer complaint received 2015-05-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (FL)

I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 

On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 

On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners.
Consumer complaint received 2015-05-23
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Southwest Business Corporation (TN)

I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.
Consumer complaint received 2015-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know
Consumer complaint received 2015-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.
Consumer complaint received 2015-05-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Life Line Billing Systems, LLC (FL)

I do not owe this debt. I have rechecked my dates that I was covered by my parents policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parents policy in XXXX XXXX. 

On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not owe any medical balances, I even had additional coverage in my employment package. Please note this to my prior entry.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.
Consumer complaint received 2024-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I asked that this dispute be re investigation by XXXX and the following violations be address Capital one violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this debt. Capital one violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. XXXX violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. On XX/XX/XXXX XXXX stated in response verified however none of the violations are address by capital one and know validate of debt provided to this consumer. XXXX stated per our phone called on XX/XX/XXXX it the consumer responsible to obtain the validation documentation from the original creditor. Capital one has failed to submit any documentation or validation this debt and XXXX has allow this original creditor violation the law. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Consumer complaint received 2015-05-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (CA)

In the beginning of XXXX, my mortgage was transfered to United Security Financial Corp, aka : XXXX. Since then, when I receive a statement, the payment sent is applied wrong. I have called them several times, talking with persons who seem unconcerned with customer satisfaction. Recently ( XXXX/XXXX/15 ), I called and spoke with XXXX about the " unapplied '' funds which on the payment coupon is specifically stated as extra to principal or escrow. I was on hold for a while and finally asking what was taking so long only to be told : " I 'm trying to get someone to help me with this '' After some time, he asked me how I wanted my other " overages '' applied. ( I pay extra each month to either escrow or principal ) When I asked how much monies we were talking about, I was put on hold yet again. After XXXX minutes I hung up. This is my mortgage, my home. I feel that my mortgage servicer is not being competent in servicing my loan and would like someone to look into it 's practices. The address I have been sending my " on time '' payments to is : XXXX XXXX XXXX, IL XXXX. I would appreciate any correspondence from cfpb. Thank You.
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AL)

I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NY)

I received a call from Dynamic Recovery Solutions ( XXXX, SC ). I was informed that I owe a debt that dates from 1989. I informed them that I did not recall said debt. In addition, I informed them of NYS law regarding statue of limitations ( 6 years ). I received mail attempting to collect debt.
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (CA)

I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.