davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Resurgent Capital Services L.P. (WA)

Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR ONLINES COLLECTIONS, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ONLINE COLLECTIONS, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MI)

This is a debt from XXXX XXXX, when our home was foreclosed on the equipment for XXXX was left in the home. We could n't go back and get it so XXXX charged us for it. We wrote XXXX and explained the circumstances and that they needed to contact the bank to get access to the equipment as we could n't so how could we be charged? This debt collection agency must have just recently purchased the account, has not sent me any letters but it appears on my credit report as a NEW account with a XXXX open date, when clearly this account will soon be at the 7 year mark and would be removed from my credit report.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc (VA)

We are trying to set up payment arrangements and the company Hunter warfield Inc., stating they wo n't give me any prof if I 'm making payments that it would hair sit on my credit no receipt number or anything.
Consumer complaint received 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc. (TX)

I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.
Consumer complaint received 2016-07-07
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc. (NY)

My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I was not properly notified of a debt by XXXX XXXX XXXX ( " XXXX '' ), which sent collection notices to an outdated address despite my updated address being available. XXXX continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount reported by XXXX differs from the final bill and ignores an unprocessed energy draft. The credit reporting agencies ( Equifax, XXXX, XXXX ) are reporting conflicting Dates of First Delinquency and amounts owed. I request the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Other — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

On XXXX XXXX, 2016 I applied for a credit card with Penfed Credit Union. I received an email from Penfed stating that my XXXX credit report was locked. On XXXX XXXX, 2016 I removed the lock from my XXXX credit report. Penfed subsequently approved the credit card application. On XXXX XXXX, 2016 I again applied for credit with Penfed and received another email from Penfed stating that my XXXX credit report was locked. I contacted Penfed on this date and explained that my XXXX credit report was n't locked and asked if they could use the same hard pull from XXXX XXXX, 2016. The Penfed representative stated that they could use the same hard pull if it was done within a 90 day period. I proceeded with the application process based on the information provided by the Penfed representative. On XXXX XXXX, 2016 I again applied for credit with Penfed and received an email stating that my XXXX credit report was locked. I again contacted Penfed, as my XXXX credit report was n't locked and I was again informed by the Penfed representative that they could utilize the same hard pull within a 90 day period. Penfed has consistently informed me that they could use the same hard pull as long as it was within 90 days. On XXXX XXXX, 2016 I spoke with a Penfed representative who informed me that their system showed that Penfed only pulled my credit one time on XXXX XXXX, 2016. The representative stated that if I had a credit report detailing that Penfed pulled my credit after XXXX XXXX, 2016 that I needed to submit a copy of my XXXX credit report to Penfed and they would remove the inquiries from XXXX XXXX, 2016 and XXXX XXXX, 2016. I submitted this information to Penfed and also a dispute with XXXX. Both Penfed and XXXX stated that the inquiries were factual. I did n't authorize inquiries of XXXX XXXX, 2016 and XXXX XXXX, 2016, as the Penfed representatives informed me that they would be utilizing the XXXX XXXX, 2016 hard pull from XXXX.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I spoke with Transunion regarding the inquiries that were deleted from my credit report and then mysteriously reappeared. They informed me that they would not be able to remove all of them and only removed XXXX of the XXXX. The reason they gave was because they were from a particular date, however, regardless of the date, these inquiries were removed and placed back on my credit report and I know this is in violation of my rights. The inquiries that remain on my Transunion credit report should be removed and not placed back on again.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Consultants, Inc. (DE)

Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. 
On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. 
Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.
Consumer complaint received 2024-08-27
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/year> - I booked a vacation package at XXXX for 4 family members on my Capital One credit card. My sister ( onXXXX of the travelers ) XXXX XXXX, called XXXX to see if it was possible to change the airport she was flying out of to one closer to her home. XXXX sent her to the XXXX XXXX department where she was told that it would be cheaper/easier to cancel only her flight and keep the remaining tickets since the trip was within the cancellation window. She was told to expect the {$400.00} refund back to my original card within approximately 5 business days. 

XX/XX/year> - XXXX confirmed that her ticket was no longer showing up on the XXXX website and that the other three tickets had been moved to a new confirmation number ( XXXX  ). 

XX/XX/year> - The refund was never received. Called XXXX and was again transferred to the XXXX XXXX department. XXXX agent stated that the flight should have been charged for only the three tickets ( {$1200.00} ) and that she could see where the ticket for XXXX XXXX was cancelled. Told XXXX agent that the total package had been charged for the full amount ( flight & hotel {$3700.00} ). XXXX agent stated that she would make a note and asked if we could get copy of credit card bill showing full charge so she could submit it to accounting. Got a copy of the credit card charge and called back the same night. Spoke to a different XXXX agent who said he would forward the issue to their accounting department and that it should be resolved within 3 business days or so. 

XX/XX/year> - Refund still not received for {$400.00}. Put in a dispute with my Capital One credit card. Received call from Capital One and was told I may need to submit documents. 

XX/XX/year>- Capital One sent an update saying that documents were never received. Let them know I hadn't been told specific documents to send, but sent them a copy of XXXX confirming the ticket was cancelled. 
Called XXXX back and was told they couldn't refund until the dispute was closed. 

XX/XX/year> - dispute was closed against me and temporary credit was cleared from card. Called XXXX back to verify dispute was cleared and was told not on their side but it would be refunded soon. 

XX/XX/year> - refund still not received.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hirshberg Acceptance Corporation (MI)

I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, DISCOVER BANK number : XXXX date XX/XX/year> XX/XX/year> .Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days